A licensed producer dies. To whom may the commissioner issue a temporary license so the business can be sold?N.J.S.A. 17:22A-37(a)
A licensed title producer moves the office. Within how many days of the change must the commissioner be told the new address?N.J.S.A. 17:22A-33(f)
A New Jersey producer misses a renewal. For how many months after the fee fell due can the same license be taken back with no written test?N.J.S.A. 17:22A-33(c)
A producer faces a criminal prosecution. Within how many days of the initial pretrial hearing date must the producer report it to the commissioner?N.J.S.A. 17:22A-47(b)
A producer surrenders the license while under investigation. What becomes of the commissioner's authority to impose a penalty?N.J.S.A. 17:22A-40(d)
A title producer knowingly accepts insurance business from an unlicensed producer. What may the commissioner do?N.J.S.A. 17:22A-40(a)
An applicant for a New Jersey producer license consents to a background check. Which check is it, and who bears the cost?N.J.S.A. 17:22A-32(e)
An insurer cancels its contract with an agent. When does the agency appointment terminate?N.J.S.A. 17:22A-42(b)
Show all 127 questions (119 more)
Licensing, the commissioner and fraud, continued
Before a New Jersey agency adopts, amends or repeals a rule, how much notice of its intended action must it give?N.J.S.A. 52:14B-4(a)
Besides passing the examination, what must a resident applicant have completed before the commissioner approves a producer application?N.J.S.A. 17:22A-32(a)
How does an insurer authorized in New Jersey appoint a licensed producer as its agent?N.J.S.A. 17:22A-42(a)
In which languages must New Jersey offer the producer examination?N.J.S.A. 17:22A-31(e)
May a New Jersey insurer pay a commission to a person who sold insurance without the license the act requires?N.J.S.A. 17:22A-41
New Jersey's Insurance Fraud Prevention Act sets civil penalties of up to $5,000 and $10,000 for a first and a second violation. What is the ceiling for each later one?N.J.S.A. 17:33A-5(b)
New Jersey's temporary producer license, given without an examination where a business must be serviced, cannot run past how many days?N.J.S.A. 17:22A-37(a)
Under the Insurance Fraud Prevention Act, what is the position of a person who knowingly urges another to violate it?N.J.S.A. 17:33A-4(b)
What must a business entity have designated before New Jersey approves its insurance producer license?N.J.S.A. 17:22A-32(b)
What penalty may New Jersey require for a producer renewal fee received after its due date?N.J.S.A. 17:22A-33(c)
Which of these is a cause for discipline of a producer under N.J.S.A. 17:22A-40?N.J.S.A. 17:22A-40(a)
Which power does N.J.S.A. 17:1-15 give the commissioner against a person violating Title 17?N.J.S.A. 17:1-15
Who must pass a written examination before New Jersey issues an insurance producer license?N.J.S.A. 17:22A-31(a)
New Jersey Title Insurance Act 33
A "title search business entity" doing business in New Jersey must register with, and is regulated by, which department?N.J.S.A. 17:46B-1.1(b)
A consumer agrees to use a certain title or settlement service company. To what is that agreement subject?N.J.S.A. 17:46B-63(a)
A New Jersey title agent wants to clear out old files. What is the shortest time the proof behind a policy's examination and insurability decision must stay on file?N.J.S.A. 17:46B-9
A New Jersey title insurer issues policies on reports from an "approved attorney." What may that attorney not be?N.J.S.A. 17:46B-1(h)
A New Jersey title insurer's annual statement shows its condition on December 31. When is it due at the commissioner's office?N.J.S.A. 17:46B-55(a)
A New Jersey title producer may disburse against deposited settlement funds that are not yet collected funds only up to what amount?N.J.S.A. 17:46B-10.1(b)
A person interferes with a consumer's free choice of title company. What business license suspension follows a first violation?N.J.S.A. 17:46B-63(b)
A salaried officer of a title insurance company examines titles and signs policies in New Jersey. Is that officer a "title insurance agent"?N.J.S.A. 17:46B-1(i)
A title company mails the proposed insured a notice with or beside the commitment. What does the notice say the insured is entitled to do?N.J.S.A. 17:46B-9
A title insurer files a new policy form with the commissioner. Unless approved earlier, how long must it wait before issuing the form?N.J.S.A. 17:46B-54
Domestic title insurers are examined at least every 3 years. How often must the commissioner examine every title insurance rating organization?N.J.S.A. 17:46B-58(b)
Each year's addition to a title insurer's statutory premium reserve is released in equal parts each July 1. Over how many years?N.J.S.A. 17:46B-15(f)
How does the New Jersey act treat a domestic title insurer's statutory premium reserve?N.J.S.A. 17:46B-14(a)
How must a New Jersey title insurance producer hold the closing or settlement proceeds of a real estate transaction?N.J.S.A. 17:46B-10.1(a)
How often must a domestic title insurance company redetermine its reserves for unpaid losses and loss expense?N.J.S.A. 17:46B-18(b)
How often must the commissioner examine the affairs of every authorized domestic title insurance company?N.J.S.A. 17:46B-58(b)
In New Jersey, which kind of company, and no other, underwrites title insurance policies?N.J.S.A. 17:46B-5
In the New Jersey act, what does the "fee" for title insurance take in?N.J.S.A. 17:46B-1(f)
In what form must a New Jersey title insurance company be organized?N.J.S.A. 17:46B-6
May a title insurance company in New Jersey also write fire or liability insurance?N.J.S.A. 17:46B-12
New Jersey has a title company mail the proposed insured a notice of the right to review the commitment with an attorney. How long before closing must it be sent?N.J.S.A. 17:46B-9
The notice of the right to review a title commitment need not be mailed when the applicant is who?N.J.S.A. 17:46B-9
Under New Jersey's act, what does title insurance insure owners of real property against?N.J.S.A. 17:46B-1(a)
What does N.J.S.A. 17:46B-13 forbid title insurance companies and title insurance agents to do?N.J.S.A. 17:46B-13
What free choice does N.J.S.A. 17:46B-63 protect for a consumer?N.J.S.A. 17:46B-63(a)
What may a New Jersey lending institution NOT make a condition of granting a mortgage loan?N.J.S.A. 17:46B-30.1
What minimum capital must every title insurance company have paid in and maintain under N.J.S.A. 17:46B-7?N.J.S.A. 17:46B-7(a)
What must a title insurance company have caused to be done before any policy of title insurance is written?N.J.S.A. 17:46B-9
Which functions must a New Jersey "title insurance agent" perform in the regular course of business?N.J.S.A. 17:46B-1(i)
Which guarantee does N.J.S.A. 17:46B-11 bar a title insurance company from giving?N.J.S.A. 17:46B-11
Which lender may be licensed as an insurance producer for a title insurance company under N.J.S.A. 17:46B-30.1?N.J.S.A. 17:46B-30.1
Which of these does N.J.S.A. 17:46B-10.1 treat as "collected funds" for a closing disbursement?N.J.S.A. 17:46B-10.1(b)
Which part of what a New Jersey title company charges is the "premium"?N.J.S.A. 17:46B-1(e)
Commissions, rebates and rates 14
A member of a title insurance rating organization wants to charge below the organization's filed rates. What may it file?N.J.S.A. 17:46B-47
A violation of the Title Insurance Act carries a penalty of up to $1,000. What is the ceiling when the commissioner finds the violation willful?N.J.S.A. 17:46B-51
Before issuing an order disapproving a title insurance rate filing, the commissioner must hold a hearing. On how much written notice?N.J.S.A. 17:46B-45(b)
Besides title companies and agents, who is forbidden to knowingly accept a rebate of a title insurance fee?N.J.S.A. 17:46B-35(c)
The commissioner believes a title agent has paid unlawful commissions and examines its books of account. Who pays the cost?N.J.S.A. 17:46B-36
For which title contracts does the New Jersey commissioner NOT require a filing of rates?N.J.S.A. 17:46B-42(e)
How may a title insurance company satisfy its duty to file its schedule of fees with the commissioner?N.J.S.A. 17:46B-42(b)
May a New Jersey title insurance agent pay part of its fee to someone as an inducement for placing an order for title insurance?N.J.S.A. 17:46B-34
The rate sections of New Jersey's act aim at title insurance rates that are not which three things?N.J.S.A. 17:46B-41
To whom may a title insurance company pay a commission without breaking N.J.S.A. 17:46B-34?N.J.S.A. 17:46B-34
What additional penalty does a person owe New Jersey for paying or receiving an unlawful rebate of a title insurance fee?N.J.S.A. 17:46B-37
What does the New Jersey act call the amount by which a title fee is less than the filed schedule of fees?N.J.S.A. 17:46B-35(b)
What may a New Jersey title insurance agent not knowingly give the commissioner or a rating organization?N.J.S.A. 17:46B-50
Which division of fees does N.J.S.A. 17:46B-38 permit?N.J.S.A. 17:46B-38
Recording, estates and deeds 31
A bank holds a New Jersey mortgage that has been paid in full. Within how many days of receiving the required fees must it submit the mortgage for cancellation of record?N.J.S.A. 46:18-11.2
A deed is exempt from New Jersey's realty transfer fee when its consideration is less than what amount?N.J.S.A. 46:15-10
A document is submitted for recording in New Jersey with no cover sheet or electronic synopsis. What additional fee is charged for indexing?N.J.S.A. 46:26A-5
A judgment lien arises while a notice of settlement is effective, and the deed it describes is recorded within that time. What is the result?N.J.S.A. 46:26A-11
A lease is entitled to recording in New Jersey if it is for life or for a term of at least how long?N.J.S.A. 46:26A-2
A mortgagee does not cancel a paid mortgage within 15 business days of written notice of its noncompliance. What fine then runs each day?N.J.S.A. 46:18-11.3
A New Jersey deed to two sisters does not say how they hold. What estate do they take?N.J.S.A. 46:3-17
A New Jersey deed transfers property on which there is new construction. What must be printed at the top of its first page?N.J.S.A. 46:15-6
A New Jersey grantor covenants to "warrant specially the property hereby conveyed." Against whose claims must the grantor defend?N.J.S.A. 46:4-8
A recorded New Jersey deed misstated the consideration, and too small a transfer fee was paid. What is the effect on the title?N.J.S.A. 46:15-7
A sheriff's deed is indexed by the names of grantor and grantee and by whose names besides?N.J.S.A. 46:26A-8
Against which later buyer is an unrecorded New Jersey deed of no effect?N.J.S.A. 46:26A-12
Besides a party to the settlement or a party's representative, who may execute and record a notice of settlement?N.J.S.A. 46:26A-11
Besides the lot and block, which two items must a New Jersey deed include to satisfy the prerequisites for recording?N.J.S.A. 46:26A-3
During the marriage, what does a spouse need in order to sever or alienate an interest held in a tenancy by entirety?N.J.S.A. 46:3-17.4
For how many days from its recording is a New Jersey notice of settlement effective?N.J.S.A. 46:26A-11
From what moment is a recorded document notice to later purchasers, mortgagees and judgment creditors in New Jersey?N.J.S.A. 46:26A-12
How may the effective period of a recorded notice of settlement be extended?N.J.S.A. 46:26A-11
In what order does a New Jersey county recording officer record and index documents?N.J.S.A. 46:26A-9
Is the word "heirs" needed in a New Jersey deed to convey the fee simple?N.J.S.A. 46:3-13
May a New Jersey owner create a joint tenancy by a deed to himself and another person?N.J.S.A. 46:3-17.1
Must a document be executed under seal to be recorded in New Jersey?N.J.S.A. 46:26A-3
To be recorded, a deed conveying New Jersey real property must refer to which designation on the municipal tax map?N.J.S.A. 46:26A-3
Under New Jersey's statute of frauds, whose signature must be on the writing that transfers an interest in real estate?N.J.S.A. 25:1-11
What does the New Jersey deed covenant "that he has done no act to encumber the said lands" cover?N.J.S.A. 46:4-6
What must a New Jersey officer's certificate of acknowledgment state, among other things?N.J.S.A. 46:14-2.1
When is a document "recorded" under New Jersey's recording act?N.J.S.A. 46:26A-1
Which deed is exempt from New Jersey's realty transfer fee?N.J.S.A. 46:15-10
Which of these is a prerequisite for recording a document in New Jersey?N.J.S.A. 46:26A-3
Which words after two grantees' names are deemed to create a tenancy by the entirety in New Jersey?N.J.S.A. 46:3-17.2
Who pays New Jersey's realty transfer fee when a deed is offered for recording?N.J.S.A. 46:15-7
Liens, foreclosure, tax sales and estates 28
A New Jersey decedent leaves no will and no surviving spouse. To whom does the estate pass first?N.J.S.A. 3B:5-4
A New Jersey lien claim on a residential construction contract is lodged within 120 days of the last work. What is the period in all other cases?N.J.S.A. 2A:44A-6
A New Jersey municipality that buys a tax sale certificate may sue to foreclose redemption after six months. How long must other buyers wait?N.J.S.A. 54:5-86
A New Jersey residential mortgage lender must give notice of intention to foreclose at least how long before it starts the action?N.J.S.A. 2A:50-56
A New Jersey widow or widower may still hold dower or curtesy in land of which the spouse was seized during the marriage before what date?N.J.S.A. 3B:28-1
A private purchaser's New Jersey tax sale certificate becomes void if the right to redeem is not foreclosed within how many years of the sale?N.J.S.A. 54:5-79
After how many years from its filing is a New Jersey notice of lis pendens no longer effective?N.J.S.A. 2A:15-11
At a New Jersey tax sale, bidders offer to buy subject to redemption at the lowest rate of interest. What rate may never be exceeded?N.J.S.A. 54:5-32
Before final judgment, and with no lis pendens filed, what is a pending New Jersey action to a bona fide purchaser of the land?N.J.S.A. 2A:15-8
From what time does a judgment of the Superior Court bind real estate in New Jersey?N.J.S.A. 2A:16-1
From when does a New Jersey construction lien attach to the interest of the owner?N.J.S.A. 2A:44A-10
How does a New Jersey municipal lien rank against a mortgage recorded before it?N.J.S.A. 54:5-9
How many years of uninterrupted actual possession vest title to New Jersey real estate that is neither woodland nor an uncultivated tract?N.J.S.A. 2A:14-30
In what order must a New Jersey creditor proceed to collect a debt secured by a mortgage on real property?N.J.S.A. 2A:50-2
In which kind of New Jersey action may no notice of lis pendens be filed?N.J.S.A. 2A:15-6
No will, a surviving spouse, no descendant and no parent: how much of a New Jersey intestate estate does the spouse receive?N.J.S.A. 3B:5-3
On a New Jersey residential construction contract, the Notice of Unpaid Balance must be lodged for record within how many days of the last work?N.J.S.A. 2A:44A-21
Ordinary New Jersey real estate takes 30 years of actual possession to vest title. How long do woodlands or uncultivated tracts take?N.J.S.A. 2A:14-30
Until what point may a New Jersey residential mortgage debtor cure the default and reinstate the mortgage?N.J.S.A. 2A:50-57
What gives a New Jersey construction lien claim priority over an earlier conveyance or mortgage of the improved property?N.J.S.A. 2A:44A-20
What kind of lien are unpaid taxes on New Jersey land?N.J.S.A. 54:5-6
Where is a New Jersey notice of lis pendens filed?N.J.S.A. 2A:15-6
Where neither dower nor curtesy applies, what right does a New Jersey spouse have during life in the principal matrimonial residence?N.J.S.A. 3B:28-3
Who may redeem New Jersey land that was sold for municipal taxes?N.J.S.A. 54:5-54
With no written demand from the owner, a New Jersey lien claimant forfeits the lien unless an action to enforce it starts within what time of the last work?N.J.S.A. 2A:44A-14
Within how many years after the right or title accrues must an action at law for New Jersey real estate be commenced?N.J.S.A. 2A:14-7
Within how many years of its date may a judgment of a New Jersey court of record be revived or sued on?N.J.S.A. 2A:14-5
Within what time from a New Jersey foreclosure sale must an action for a deficiency on the bond or note be commenced?N.J.S.A. 2A:50-2
How this list was compiled: New Jersey Statutes: N.J.S.A. 2A:14-5, 2A:14-7, 2A:14-30, 2A:15-6, 2A:15-8, 2A:15-11, 2A:16-1, 2A:44A-6, 2A:44A-10, 2A:44A-14, 2A:44A-20, 2A:44A-21, 2A:50-2, 2A:50-56, 2A:50-57, 3B:5-3, 3B:5-4, 3B:28-1, 3B:28-3, 17:1-15, 17:22A-31, 17:22A-32, 17:22A-33, 17:22A-37, 17:22A-40, 17:22A-41, 17:22A-42, 17:22A-47, 17:33A-4, 17:33A-5, 17:46B-1, 17:46B-1.1, 17:46B-5, 17:46B-6, 17:46B-7, 17:46B-9, 17:46B-10.1, 17:46B-11, 17:46B-12, 17:46B-13, 17:46B-14, 17:46B-15, 17:46B-18, 17:46B-30.1, 17:46B-34, 17:46B-35, 17:46B-36, 17:46B-37, 17:46B-38, 17:46B-41, 17:46B-42, 17:46B-45, 17:46B-47, 17:46B-50, 17:46B-51, 17:46B-54, 17:46B-55, 17:46B-58, 17:46B-63, 25:1-11, 46:3-13, 46:3-17, 46:3-17.1, 46:3-17.2, 46:3-17.4, 46:4-6, 46:4-8, 46:14-2.1, 46:15-6, 46:15-7, 46:15-10, 46:18-11.2, 46:18-11.3, 46:26A-1, 46:26A-2, 46:26A-3, 46:26A-5, 46:26A-8, 46:26A-9, 46:26A-11, 46:26A-12, 52:14B-4, 54:5-6, 54:5-9, 54:5-32, 54:5-54, 54:5-79 and 54:5-86, read on October 16, 2026 in the statutes text the New Jersey Legislature publishes at https://pub.njleg.gov/statutes/ (the file of October 15, 2026, updated through P.L.2026, c.50). The Legislature gives no address for a single section, so every link opens its searchable statutes database, https://lis.njleg.state.nj.us/nxt/gateway.dll?f=templates&fn=default.htm&vid=Publish:10.1048/Enu, where the section number is the thing to search for. Statutes only: the New Jersey Administrative Code was not read. The topics follow the Title Producer examination content outline (100 items, 70% correct, 3.5 hours; 25 items on regulation of the insurance industry in New Jersey and 75 on rules pertinent to title insurance), linked from the candidate information bulletin of the examination site that the Department of Banking and Insurance links from https://www.nj.gov/dobi/inslic.htm (the outline: https://proctor2.psionline.com/media/programs/NJINS/TitleProducerInstructor.pdf). The real property statutes (Titles 2A, 3B, 25, 46 and 54) stand where the outline cites a private handbook of title practice. 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 New Jersey title insurance practice test asks the law behind the Title Producer exam: 127 questions written from the Title Insurance Act and the state's recording, lien, foreclosure and tax sale statutes. Not affiliated with the New Jersey Department of Banking and Insurance.
Read the full guide
What the real exam holds
The Title Producer outline has two parts: 25 items on regulation of the insurance industry in New Jersey, with the sections of the producer licensing and trade practice laws it cites, and 75 items on title insurance: legal aspects of real property, the Title Insurance Act, policy forms and fraud.
What is asked here, and what is not
The licensing part is asked from the statutes the outline cites. The title part is asked from the Title Insurance Act, the Insurance Fraud Prevention Act and New Jersey's recording, deed, lien, foreclosure, tax sale and estate statutes. Policy forms, the handbook of title practice the outline names and the New Jersey Administrative Code are not asked.
A title company mails the review notice at least 5 days before closing and keeps the evidence behind a policy 15 years (N.J.S.A. 17:46B-9).
A notice of settlement lasts 60 days and may be extended once; a lis pendens lasts five years (N.J.S.A. 46:26A-11, 2A:15-11).
An unlawful rebate costs up to five times its amount; a willful violation of the act up to $5,000 (N.J.S.A. 17:46B-37, 17:46B-51).
Questions and answers
How many questions are on the New Jersey title insurance exam?
100 scored items in 3.5 hours, by the Title Producer examination content outline. The candidate bulletin updated September 8, 2026 adds that a few unscored experimental questions may be given.
What is a passing score on the New Jersey title insurance exam?
70 percent correct, by the Title Producer content outline. The candidate bulletin lists an examination fee of $38 and says score reports are valid for one year.
Do you need a course before the New Jersey title producer exam?
Yes. N.J.S.A. 17:22A-32 requires a prelicensing course of study for the line applied for, and the candidate bulletin says to bring the course completion certificate, or a waiver from the Department, on examination day.
Can a mortgage lender be a title insurance producer in New Jersey?
Only a State or federally chartered bank, savings bank, savings and loan association or its subsidiary, under N.J.S.A. 17:46B-30.1. Other lenders, mortgage brokers and mortgage servicers may not, and no lender may make a particular title company a condition of the loan.