AI for title companies and title agencies, tested first on commitments your examiners already wrote.

A closed file carries the whole chain: the search your plant, abstractor or search vendor returned, each revision of the commitment, the copy marked up at closing, and the policy that issued. The commitment your examiner signed off is the answer key. Your reviewer, the examiner who knows your underwriter's guidelines best, sets each AI draft beside it requirement by requirement and exception by exception, and nothing about the test depends on a demo file.

The job sits where your agency's authority sits. ALTA's Best Practices define a title agency as one a title insurer authorizes to issue policies, which may also handle escrow, disburse funds and record documents. The 2021 ALTA commitment draws the same line from the insurer's side: its Condition 7 makes the issuing agent the company's agent only for issuing commitments and policies, not for closing, settlement or escrow. These pages test the title side. The escrow side, with its trust accounts and wires, stays out of every job here.

Forms changed recently enough to matter in a sample. ALTA's 2021 commitment and policies took effect July 1, 2021, and the 2016 commitment and the 2006 owner's and loan policies were decertified at the end of 2022, so older files may sit on forms you no longer issue. Texas agents work on forms the Texas Department of Insurance promulgates, and those split by property type: the T-1R owner's policy for improved one-to-four family homes and the T-1 for everything else, both effective November 1, 2024, like the T-2 loan policy. Your reviewer picks files on today's forms, from the states you write in.

Both kinds of file belong in the test, because they go wrong in different places. A residential refinance repeats the same handful of requirements file after file, and the risk is a judgment against a similar name or a second mortgage nobody asked about. A commercial purchase brings entity sellers, a lender's endorsement list and a land title survey, and the risk is a recorded easement drafted wrong. Final policies come after commitments: ALTA's Best Practices ask for a policy within 30 days of the later of settlement or the day the commitment's terms are met, reported to the underwriter within 45, and both clocks depend on the commitment being right.

Privacy decides what we see. Version 5.0 of ALTA's Best Practices, effective October 8, 2026, turned its seventh pillar into vendor management and asks an agency to weigh whether a vendor will reach nonpublic personal information or funds. Under the framework, NPI means a name joined with a Social Security, driver's license or state ID number, or a card or other financial account number. So copies arrive redacted, under the NDA, and no NPI, bank detail or wire instruction enters the test. The proof of concept never issues or signs a commitment or policy, never decides insurability or whether an exception stays, never handles funds, and never contacts a buyer, seller, lender or underwriter. A licensed person at your agency decides. None of this is legal or underwriting advice.