Utah’s Controlled Business in Title Insurance Law (Utah’s CBTI Law) is a 35-year-old law that has protected Utah consumers by safeguarding the ability of title insurance agencies to operate as independent, impartial fiduciaries in the real estate settlement process. Utah’s CBTI Law works together with other laws to create protective separations between title insurance agencies, mortgage lenders, builders, and real estate brokerages, for the purpose of avoiding unnecessary conflicts of interest. Presently, national real estate brokerages are promoting in Utah's Legislature Senate Bill 121 (SB 121) which seeks to change Utah’s CBTI Law to allow real estate brokers and builders to own and control the title insurance agencies where they will direct (steer) their customers to close real estate transactions. SB 121 will reintroduce Affiliated Business Arrangements (AfBAs) (also known as Controlled Title Business) into the Utah real estate market. In the mid-1980s the Utah legislature purposely outlawed AfBAs by enacting Utah’s CBTI Law to protect against consumer abuses, and now proponents of SB 121 seek to dismantle this important consumer protection law. In other states where AfBAs are allowed, they have proven to be a threat to consumer welfare by eliminating meaningful consumer choice and driving up closing costs. The real estate brokerages and builders who profit from AfBAs do so at the expense of the consumer by getting paid what would otherwise be considered illegal kick-backs or inducements for the referral of title business. SB 121 will legalize such kick-backs, allow for monopoly in the real estate settlement process, and create strong financial incentives for real estate service providers to exploit, manipulate, and abuse their captive customers, often without the customers even realizing this is happening. A careful and critical examination of the true nature and history of AfBAs gives ample evidence that not only do they offer no benefit, they are costly and harmful to consumers of real estate settlement services.