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Under current Utah law, title insurance producers handling real estate escrow transactions must issue a standard title insurance policy as part of the deal. This bill updates that law to also allow an attorney opinion letter — a written assessment of a property's title from a licensed attorney — to satisfy that requirement, as long as the loan is eligible for sale to a government-sponsored enterprise like Fannie Mae or Freddie Mac. The rest of the bill makes technical cleanup changes, such as streamlining language and reorganizing definitions, without changing the underlying rules governing how escrow money must be handled. Homebuyers obtaining certain types of mortgage loans may gain a lower-cost alternative to traditional title insurance, since an attorney opinion letter can be less expensive than a full title insurance policy.