A licensed producer changes address or business e-mail address. Within how many days must the commissioner be told in writing?MCA 33-17-214(6)
A person gives the commissioner a written demand for a hearing. If no order granting it issues within how many days is the hearing considered refused?MCA 33-1-701(2)
A person keeps violating a cease and desist order issued under 33-18-1004. Each day is a separate violation of up to $1,000. What is the cap on the total penalty?MCA 33-18-1005(1)
A producer licensed on Montana residency relocates to another state. What happens to that license?MCA 33-17-211(1)
A producer wants to share a commission with a helper who holds no license for that kind of insurance. Under 33-17-1103, the producer:MCA 33-17-1103(2)
A producer's license has been revoked twice. When is that person again eligible for a license under the insurance code?MCA 33-17-1002(3)
A title insurer signs an agency contract with a producer. By when must it file the notice of appointment with the commissioner?MCA 33-17-236(2)
After a hearing, what is the largest fine the commissioner may impose on an insurance producer for each violation of the insurance code?MCA 33-1-317
Show all 138 questions (130 more)
Montana insurance law, all lines, continued
After revoking a license once, for up to how long may the commissioner refuse to issue that person a new one?MCA 33-17-1002(3)
An applicant passed the title examination some time ago. To count, the pass must fall within how long of the license application?MCA 33-17-211(1)
An insurer liable on a claim misses the statutory time for payment. What annual interest does it owe on the amount due?MCA 33-18-232(2)
At least how often must the commissioner examine each authorized insurer?MCA 33-1-401(1)
The commissioner issues a temporary cease and desist order. How long does the respondent have, from receipt, to ask in writing for a hearing?MCA 33-1-318(1)
How long does a producer's appointment by an insurer last in Montana?MCA 33-17-236(5)
How often may the commissioner examine the accounts and records of an insurance producer to check compliance with the code?MCA 33-1-402
Most producers keep records of their transactions for at least 3 years. What does 33-17-1101 say for a title insurance producer?MCA 33-17-1101(4)
Most producers may commingle funds belonging to others in one separate deposit if each person's share is ascertainable. Does that allowance cover a title insurance producer?MCA 33-17-1102(1)
Under whose control and supervision is Montana's insurance department?MCA 33-1-301(1)
What does Montana law call a statement that misrepresents or incompletely compares policy terms in order to induce a policyholder to lapse, surrender or convert a policy?MCA 33-18-204
Where must a Montana insurance producer display the license, or a copy of it?MCA 33-17-1101(2)
Which applicants for a Montana producer license must undergo a prelicensing background examination?MCA 33-17-201(3)
Which of these is a ground listed in 33-17-1001 for suspending or revoking a producer license?MCA 33-17-1001(1)
Which sales practice does 33-18-202 list as a prohibited misrepresentation?MCA 33-18-202(9)
With no request for more information, how soon after receiving a proof of loss must a Montana insurer pay or deny a claim?MCA 33-18-232(1)
Montana Title Insurance Act 25
A borrower declines an owner's policy and signs the form the commissioner prescribes for that. For how long after receipt must the producer retain it?MCA 33-25-216(2)
A borrower who declines an owner's policy refuses to sign anything for the producer's file. What does the producer do?MCA 33-25-216(2)
A borrower who was told that a mortgagee's policy will not protect the borrower chooses not to buy an owner's policy. What must the title insurance producer obtain?MCA 33-25-216(2)
A mortgagee's policy will be issued on a purchase loan and no owner's policy has been ordered. When must the borrower get the written notice that 33-25-216 requires?MCA 33-25-216(1)
A policyholder presents a loss claim to a title insurance producer. What does 33-25-215 require of the producer?MCA 33-25-215
A title insurer issues a policy without the search and examination that 33-25-214 requires. What follows as a matter of law?MCA 33-25-214(4)
Besides fines and license action under 33-25-301, what may the commissioner order a title insurance producer to pay?MCA 33-25-301(3)
Besides its required guaranty fund, how much of its paid-in capital stock may a title insurer invest in its title plant, equipment and, with consent, stock of abstract companies?MCA 33-25-211(2)
Does the Montana Title Insurance Act let the commissioner regulate the practice of law?MCA 33-25-106(2)
Except as the commissioner's rules allow, a producer may not knowingly issue a commitment to insure unless it shows:MCA 33-25-214(3)
How does the Act define an "abstract"?MCA 33-25-105(1)
In the Act, who is an "approved attorney"?MCA 33-25-105(3)
In the Montana Title Insurance Act, a "financial interest" entitles its holder to at least what share of an entity's net profits or net worth?MCA 33-25-105(6)
On which finding may the commissioner disapprove a title agency contract between a producer and a title insurer?MCA 33-25-302(1)
Under 33-25-111, what is a preliminary report?MCA 33-25-111(2)
Under 33-25-212, a title insurance rate may not be excessive, inadequate, or:MCA 33-25-212(2)
What does the Act call the title business that is referred to a title insurance producer by a producer of title business holding a financial interest in it?MCA 33-25-105(5)
What must happen before a Montana title insurer issues a title insurance policy?MCA 33-25-214(1)
What rate may a Montana title insurer quote or charge for title insurance?MCA 33-25-212(3)
Which business is closed to a Montana title insurer by 33-25-213?MCA 33-25-213(2)
Which conduct does 33-25-301 add as a ground for revoking a title insurance producer's license?MCA 33-25-301(1)
Which fee is part of the "rate" as the Act defines it?MCA 33-25-105(9)
Which of these does the Act list as a kind of title guarantee?MCA 33-25-105(11)
Which term does the Act say a "preliminary report" includes?MCA 33-25-105(7)
Who is left out of the definition of "title insurance producer" in the Montana Title Insurance Act?MCA 33-25-105(14)
Escrow and closing rules 16
A bank deducts a service charge from an escrow agent's trust account. How soon after notice must the agent put back non-trust funds equal to the deduction?ARM 6.6.2202(7)
A payment out of escrow earns the escrow agent a refund or discount. What becomes of that benefit?ARM 6.6.2202(11)
A producer keeps a pooled, interest-bearing account for trust funds that are nominal or held a short time. Where does the interest go?MCA 33-25-201(6)
An escrow agent has a business interest in a transaction other than as escrow agent, and is not the buyer or seller. What does the rule require?ARM 6.6.2202(5)
An escrow agent is itself the buyer of the property in a sale. May it close the transaction?ARM 6.6.2202(4)
By when must escrow fees be withdrawn from a closing escrow account?ARM 6.6.2202(10)
Can a creditor of a title insurance producer reach the funds in its escrow trust account?MCA 33-25-201(2)
For how long must an escrow agent preserve its escrow records and the bank statements of its trust accounts?ARM 6.6.2202(14)
How often may the commissioner request an audit of an escrow agent's escrow accounts by an independent public accountant, when no discrepancies have been found?ARM 6.6.2202(15)
How often must an escrow agent reconcile its escrow liability control account with the balance of the bank trust account?ARM 6.6.2202(9)
Under ARM 6.6.2202(8), a principal gives express written instructions to place escrow funds at interest. To whom are the earnings credited?ARM 6.6.2202(8)
What must a Montana escrow agent receive before it accepts funds or papers in escrow?ARM 6.6.2202(2)
What must an escrow account hold before a check may be drawn against it?ARM 6.6.2202(10)
When an escrow transaction is complete, what must the escrow agent deliver to each principal?ARM 6.6.2202(6)
Where must a Montana title insurance producer deposit funds it accepts for an escrow or closing?MCA 33-25-201(2)
Which activity is NOT an escrow, closing or settlement service under the commissioner's rule?ARM 6.6.2202(1)
Rebates and inducements 14
A lender agrees to send its borrowers to one title insurance producer in return for a fee on each order. Under 33-25-401, the fee is:MCA 33-25-401(1)
A lender tells loan applicants that the loan depends on buying title insurance from one named producer. What does 33-25-403 say?MCA 33-25-403
A person is found to have violated 33-25-401. For how much is that person liable to the one charged for the title insurance business?MCA 33-25-402(1)
A producer fails to make the disclosure that 33-25-401 requires when a referral comes from one of its owners. When is that failure not a violation?MCA 33-25-401(2)
A real estate agent asks a title company for market value information to go with a property profile. When may the company provide it?ARM 6.6.2203(3)
A real estate broker owns part of a title agency and is paid a return based on that ownership share. One condition is disclosure with a written estimate of charges. What is the other?MCA 33-25-401(2)
A title company places its deposits with a bank on the understanding that the bank will refer title business to it. Under ARM 6.6.2203, this is:ARM 6.6.2203(2)
A title insurance agent who is also a licensed attorney does legal work in the transaction insured. How must the legal services be billed?ARM 6.6.2203(4)
Deferring a payment that is due for title insurance or a preliminary report becomes an inducement after how long?ARM 6.6.2203(2)
May Montana title insurers and insurance producers share rate proceeds among themselves?MCA 33-25-202
May the insured named in a Montana title policy knowingly accept a rebate of the premium?MCA 33-18-210(2)
When may a charge for title insurance business be split with another person under 33-25-401?MCA 33-25-401(1)
Which item may a "property profile" include under ARM 6.6.2203?ARM 6.6.2203(3)
Which of these is an inducement under ARM 6.6.2203?ARM 6.6.2203(2)
Estates, deeds and recording 25
A deed description gives distances that conflict with permanent, visible monuments on the ground. Which controls under 70-20-201?MCA 70-20-201(2)
A deed grants land "to Ann and Ben, husband and wife" and says nothing more. Under 70-1-314, how do they hold it?MCA 70-1-314
A grantor deeds land in fee simple before owning it, and acquires title later. Under 70-20-302, what happens to that title?MCA 70-20-302
A Montana grant of real property does not say what estate passes. What is presumed?MCA 70-20-301
A Montana owner dies without a will, leaving a spouse and two children. Both children are also the spouse's children and the spouse has no other descendants. What is the spouse's intestate share?MCA 72-2-112(1)
A parcel is described as bounded by a stream that is not navigable. Unless held under another title, how far do the grantor's rights pass?MCA 70-20-201(4)
A recorded instrument affects land lying in two Montana counties. How can it be put of record in the second county?MCA 70-21-201(2)
A right-of-way crosses Lot 1 for the benefit of Lot 2. In Montana's code, Lot 1 is the:MCA 70-17-103
An unrecorded Montana conveyance is void against a later purchaser in good faith and for value who records first. Which conveyance does 70-21-304 leave out of that rule?MCA 70-21-304
Besides continuous occupancy and claim for the statutory period, what must a Montana adverse possessor show under 70-19-411?MCA 70-19-411
Between the parties who signed it, what is the effect of an unrecorded instrument under 70-21-102?MCA 70-21-102
For how long must land be occupied and claimed, continuously, before adverse possession can be established in Montana?MCA 70-19-411
From when is a recorded Montana conveyance constructive notice of its contents to later purchasers and mortgagees?MCA 70-21-302(1)
The homestead value limit was $350,000 in 2021. How does 70-32-104 change it after that year?MCA 70-32-104(3)
How does 70-15-203 define a fee simple?MCA 70-15-203
How does a person select a homestead in Montana under 70-32-105?MCA 70-32-105
In a Montana conveyance of a fee simple, which covenant does the word "grant" imply?MCA 70-20-304(1)
To take as an heir by intestate succession in Montana, by how long must an individual survive the decedent?MCA 72-2-114
What does the term "encumbrances" include under 70-20-305?MCA 70-20-305
What is the status of dower and curtesy in Montana?MCA 72-2-122
What makes an interest owned by several persons a "joint interest" under 70-1-307?MCA 70-1-307
Which event extinguishes a servitude under 70-17-111?MCA 70-17-111(1)
Which interest in Montana real property may be created without a writing under 70-20-101?MCA 70-20-101
Which judgment can be enforced against a Montana homestead under 70-32-202?MCA 70-32-202(1)
Which of these is real property under 70-1-106?MCA 70-1-106
Liens and trust indentures 34
A buyer gives a mortgage for the price of land at the time it is conveyed. Subject to the recording laws, how does it rank against other liens created against the buyer?MCA 71-3-114
A Montana trust indenture says nothing about a power of sale. May the trustee still sell after a breach?MCA 71-1-304(3)
A mortgage has been fully paid and the mortgagor asks for a certificate of discharge. If none is delivered within 90 days, the mortgagee is liable for all actual damages and what sum?MCA 71-1-212
A mortgage is filed before a construction lien attaches. As a general rule under 71-3-542, which has priority?MCA 71-3-542(2)
A recorded lien appears in the search but is barred by the statute of limitations. Under ARM 6.6.2201, may the insurer issue an owner's policy without taking exception to it?ARM 6.6.2201(3)
A recorded lien is being contested. For the insurer to rely on an indemnity under ARM 6.6.2201(5), one acceptable indemnity is what share of the claim?ARM 6.6.2201(5)
A recorded Montana mortgage is good against all until how long after the maturity of the whole debt, if it is not renewed?MCA 71-1-210
A seller takes back a mortgage for the balance of the purchase price and later forecloses. What does 71-1-232 say about a deficiency judgment?MCA 71-1-232
A subcontractor last furnished materials to a Montana building job. Within how many days after that final furnishing must its construction lien be filed?MCA 71-3-535(1)
A title insurance producer paid off the loan secured by a trust indenture at a closing. Before it may itself reconvey the indenture, what must it deliver to the beneficiary or servicer by certified mail?MCA 71-1-308(3)
A title insurance producer reconveys a trust indenture. In which case is it liable to the beneficiary for resulting damages?MCA 71-1-310(1)
A trust indenture is foreclosed by advertisement and sale and brings less than the debt. What may the beneficiary recover from the grantor for the shortfall?MCA 71-1-317
After a trustee's sale under the Small Tract Financing Act, what right of redemption does the grantor have?MCA 71-1-318(3)
An owner wants a filed construction lien off the title and files a bond with the clerk of the district court. How large must the bond be?MCA 71-3-551(2)
At least how long before the date fixed for a trustee's sale must a copy of the recorded notice of sale be mailed by certified mail to the grantor?MCA 71-1-315(1)
Does a Montana mortgage entitle the mortgagee to possession of the property?MCA 71-1-105
For how long does an ordinary Montana judgment lien continue, unless the judgment is satisfied sooner?MCA 25-9-301(2)
For the purpose of applying Montana's mortgage laws to a trust indenture, the grantor is deemed the mortgagor. Who is deemed the mortgagee?MCA 71-1-305
From what moment is a Montana judgment a lien on the debtor's real property in the county?MCA 25-9-301(2)
How does a Montana judgment become a lien on the debtor's real property in a second county?MCA 25-9-302(1)
How does Montana's code define a lien?MCA 71-3-101(2)
How is a Montana notice of trustee's sale published in a newspaper of general circulation?MCA 71-1-315(1)
How many actions may be brought to recover a debt secured by a mortgage on Montana real estate?MCA 71-1-222(1)
Must a title insurance producer be the named trustee in order to reconvey a paid trust indenture under 71-1-308?MCA 71-1-308(2)
Other things being equal, how do different liens on the same Montana property rank?MCA 71-3-113
Real property is sold on execution subject to redemption. Within what time after the sale may the judgment debtor redeem it?MCA 25-13-802
To renew a mortgage that has reached the end of its statutory period, a renewal affidavit is filed with the county clerk. Within how long after the period expires?MCA 71-1-210
Under the commissioner's rule on standards of insurability, which of these is a "defect in title" and not a lien or encumbrance?ARM 6.6.2201(1)
Under the Small Tract Financing Act of Montana, a trust indenture may secure an obligation with an interest in real property of what area?MCA 71-1-304(1)
Until when may the grantor of a Montana trust indenture cure a default and stop a foreclosure by advertisement and sale?MCA 71-1-312(1)
When is the purchaser at a Montana trustee's sale entitled to possession of the property?MCA 71-1-319
Which of these may serve as trustee of a Montana trust indenture?MCA 71-1-306(1)
Who is excused from giving the contracting owner a notice of the right to claim a construction lien?MCA 71-3-531(1)
Within what time from the filing of a Montana construction lien must an action to enforce it be commenced?MCA 71-3-562
How this list was compiled: Montana Code Annotated: Title 33, chapter 25 (the Montana Title Insurance Act) and Sections 33-1-301, 33-1-317, 33-1-318, 33-1-401, 33-1-402, 33-1-701, 33-17-201, 33-17-211, 33-17-214, 33-17-236, 33-17-1001, 33-17-1002, 33-17-1101 to 33-17-1103, 33-18-202, 33-18-204, 33-18-210, 33-18-232 and 33-18-1005; Sections 25-9-301, 25-9-302 and 25-13-802; Title 70 (Sections 70-1-106, 70-1-307, 70-1-314, 70-15-203, 70-17-103, 70-17-111, 70-19-411, 70-20-101, 70-20-201, 70-20-301 to 70-20-305, 70-21-102, 70-21-201, 70-21-302, 70-21-304, 70-32-104, 70-32-105, 70-32-202); Title 71 (Sections 71-1-105, 71-1-210, 71-1-212, 71-1-222, 71-1-232, 71-1-304 to 71-1-319, 71-3-101, 71-3-113, 71-3-114, 71-3-531, 71-3-535, 71-3-542, 71-3-551, 71-3-562); and Sections 72-2-112, 72-2-114 and 72-2-122, read on October 13, 2026 on the Montana Legislature's website (https://mca.legmt.gov/bills/mca/index.html). Administrative Rules of Montana 6.6.2201, 6.6.2202 and 6.6.2203, read the same day on the state's rules website (https://rules.mt.gov). The topics follow the Montana Title Insurance content outline in the state's Examination Content Outlines effective March 2, 2026 (https://home.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/122703.pdf). Each question names its section and links to it. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
This unofficial Montana title insurance practice test asks the law behind the Title producer exam: 138 questions from the Montana Title Insurance Act, the commissioner's title rules and lien law. Not affiliated with the Montana Commissioner of Securities and Insurance.
Read the full guide
What the real exam holds
The outline has three parts: Montana statutes and rules common to all lines of insurance, 10 questions; statutes and rules pertinent to title insurance, 7; and title insurance terms and related concepts, 18.
What is asked here, and what is not
The first two parts are asked from the sections the outline cites, with rules 6.6.2201 to 6.6.2203. From the third part, only what Montana's code defines is asked: estates, deeds, easements, recording, liens, mortgages and trust indentures. Policy schedules, endorsements and other textbook terms are left out.
Bank charges never come out of a trust account; a deduction is made good within one business day (ARM 6.6.2202).
A financial interest starts at 1 percent; a banned referral fee brings liability of three times the charge (Sections 33-25-105, 33-25-402).
Trust indentures cover tracts up to 40 acres; a trustee's sale leaves no redemption and no deficiency (Sections 71-1-304, 71-1-317, 71-1-318).
Questions and answers
How many questions are on the Montana title insurance exam?
35 scored questions, by the content outline effective March 2, 2026. The candidate handbook dated June 2025 allows 45 minutes for the Title exam.
What is a passing score on the Montana title insurance exam?
The candidate handbook gives a passing score of 75 on a scaled score, which is neither the number nor the percentage of questions answered correctly.
Who is a title insurance producer in Montana?
A person who holds a title insurance producer's license and is authorized in writing by a title insurer to solicit business, collect rates, determine insurability or issue its policies, under Section 33-25-105. An approved attorney is not a producer.
How long must Montana escrow records be kept?
At least six years, for all records the escrow rule requires and all bank statements of trust and escrow accounts, under ARM 6.6.2202(14).