ALTA, which represents the title insurance monopoly, is criticized for promoting anti-consumer and anti- competition rhetoric to protect its monopoly. The document outlines how the title insurance industry generates billions in revenue while paying out low claims percentages. It also notes that Freddie Mac and Fannie Mae now allow for lower-cost alternatives like attorney opinion letters. The document argues that ALTA spreads propaganda against alternatives to title insurance to protect its monopoly, though consumers and lenders deserve choice in closing services.