Specifications include, but are not limited to: Title insurance companies utilized by vendors must have the capability to directly originate and issue title insurance policies in the State of Rhode Island. All title insurance commitments and policies are subject to the review and approval of the agency requesting the service. Title insurance commitments and policies may be subject to the review and approval of federal agencies, including but not limited to, the U.S. Fish and Wildlife Service, USDA, and other funding sources. All title insurance policies must delete the standard title insurance exceptions for tenants in possession, survey, adverse, possession, and mechanics liens, unless the agency agrees to the inclusion of such as an exception in a particular policy. Title insurance commitments must be submitted within forty-five (45) days, unless otherwise agreed to by the agency, in advance.