An independent think tank has asked the Public Regulation Commission's insurance division - to change its rules - to make sure homeowners get a larger discount on title insurance, when they refinance a mortgage. Think New Mexico wants the state to changes its rules to match a state law enacted in 2009... that law provides for greater title insurance discounts than called for in state insurance rules... and think new mexico says -- because of a conflict between state law and regulations - some homeowners have gotten lower discounts.