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Utah law currently requires title insurance producers handling real estate escrow transactions to issue a standard title insurance policy (an owner's or lender's policy) as part of the deal. This bill would allow an "attorney opinion letter" — a written assessment of a property's title from a licensed attorney — to satisfy that requirement instead, but only for loans eligible for sale to a government-sponsored enterprise like Fannie Mae or Freddie Mac; the bill specifies that such a letter is not insurance and does not protect a lender against losses from title defects the way an insurance policy would. The bill also reorganizes and clarifies existing rules for how escrow money must be handled, including how it's deposited, segregated, protected from a producer's debts, and disbursed, without substantively changing those underlying protections. 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, though it may offer different protections than an insurance policy provides.