ATG Closing Protection Letter Procedural FAQs

Q: Is a CPL required if there is absolutely no title work provided by the ATG Agent?
A: No. ATG must be, either directly or through its member agents, issuing the commitments and policies AND conducting the closing before CPLs are required. [posted 9-1-11]

Q: Is it okay to change the address on a CPL if it is incorrect?

A: No, all CPLs must be reissued, contact us. [posted 6-2-11]

Q: Can a buyer pay a seller's CPL charge?

A: Either party may pay the other's CPL charge, as long as it has been agreed upon. [posted 6-2-11]

Q: If the seller is also the lender, and we are issuing a MPA – do we also issue the Lender’s CPL?

A: No. One per party is enough. [posted 4-12-11]

Q: Must a Closing Date be entered into Order Entry before a closing protection letter can be requested?

A: No. [revised 8-6-13]

Q: Are closing protection letters (CPLs) required for commercial transactions?

A: CPLs are required for all residential and commercial transactions under $2 million, in Illinois. [posted 2-7-11] CPLs are required for only residential transactions, in Indiana. [posted 6-11-13]

Q: Can the closing protection letter (CPL) remittance be included in the premium check to ATG?

A: Yes, you can include all fees for the transaction per the Accounting Information Schedule (AIS), including CPL charges, in one check to ATG. [posted 1-12-11]

Q: If I am doing the title work for a refi but the bank is doing the closing, does a CPL have to be issued?

A: No. CPLs need to be issued when the following two requirements are met: 1. ATG is issuing a title policy or policies; and 2. ATG or an ATG agent is conducting the closing. [posted 1-3-11]

Q: Are closing protection letters (CPLs) issued for cash transactions?

A: Yes, with a $25.00 charge to the Buyer and $50.00 charge to the Seller. [posted 12-29-10]

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[Last update: 6-11-13]