Title Write 1, LLC

🔍 with Title Write!💡 Code Violations Don't Equal Title Defects 🤔

A recent decision from the District of Columbia reminds us of an important underwriting principle: government-issued code violation notices are not title encumbrances.

In 220 Hamilton Street, LLC v. Chicago Title Insurance Co., the court held that Notices of Violation (NOVs) and Notices of Infraction (NOIs) issued by D.C.'s Department of Consumer and Regulatory Affairs are regulatory enforcement tools, not interests in real property. As a result, they do not create liens, defects, or encumbrances that affect title.

⚖️ Key Takeaways for Underwriters:
✅ Code violation notices alone do not cloud title or create a title defect.
✅ Outstanding municipal code violations are regulatory issues, not title issues.
✅ Distinguishing between regulatory matters and true title encumbrances helps ensure accurate title examinations and proper underwriting decisions.

At Title Write, our experienced underwriting team stays current on legal developments like these to help our clients navigate complex title issues with confidence. 👏

🏡 with Title Write! Big news for the housing industry! The U.S. Senate has overwhelmingly passed the 21st Century ROAD to Housing Act with bipartisan support, bringing it one step closer to becoming law.

If passed by the House and signed into law, the legislation aims to make homeownership more attainable by:
🏘️ Reducing regulatory barriers to encourage new housing construction
🏦 Expanding opportunities for community banks in the mortgage market
🚫 Limiting large institutional investors from purchasing single-family homes (with certain exceptions)
🏠 Modernizing manufactured housing regulations

The goal? Increase housing supply, improve affordability, and help more Americans achieve the dream of homeownership.

Honoring Juneteenth ❤️💛💚 Today we reflect on freedom, resilience, and progress.

Reminder: our offices are closed today. We will resume regular business hours on Monday, June 22, 2026.