A few weeks ago, the bail insurance lobbyists wrote that bail isn’t about money. Now they do a bit of a turnaround and say that bail is about money – well, it’s about making a profit at least, something of which they’re quite proud. Holy smokes. First there’s no presumption of innocence – then there is a presumption of innocence. First it’s not about money – and then it is about money. I wish these guys would read their own memos.
Okay, so now they’re openly proud about the fact that they make their money through the criminal justice system, so let’s take a look at that. Personally, I would like nothing more than ultimately to eliminate my own job; indeed, if my job is gone (and I use the term “job” loosely, as I rarely get paid), that means we’ve eliminated crime and thus the need for police, jails, and courts. I’m pretty sure the bail insurance company lobbyists don’t think that way, though. I’ve often said that if those guys were allowed to run things, they’d actually be thinking of ways to increase crime. They really, really like their jobs, they don’t consider them to be a necessary evil, and they’re proud to think of them like they’re any other job – like dry cleaners and accountants.
But let’s be clear – when the insurance lobbyists say that people in the commercial bail industry actually work for a living, they have to mean the bail agents, and not themselves. And if they say that being in the commercial bail industry is just like having any other job that makes money – like dry cleaners and accountants – they definitely must mean the agents and can’t possibly mean themselves. Like dry cleaners and accountants, bail agents at least actually do something in this world. Bail insurance companies, on the other hand, don’t do a thing for their money. Instead, they rely on other people to make if for them, they don’t care how it’s made (like, they could care less if making money means that you or your family stay in jail because you can’t afford a bail agent), and they’ll fight like crazy if you try to take that money away from them through the law or even through a forfeiture. Bail insurance companies are like the Mafia – they have bail bondsmen do all the work and then force those bondsmen to dump sacks of money on the insurance companies’ doorstep.
It’s a great deal for insurance companies, but here’s the rub: bail insurance companies have to keep the agents happy. And right now that means telling them just about anything to make them think that their industry isn’t in grave danger of disappearing. Bail insurance companies don’t advertise to the public about bail insurance. A lot of them don’t even list it as something they do on their websites. But they need agents to fight their fights – to keep on repeating what the insurance companies tell them to repeat so that the money continues to roll in. That’s why we see posts on insurance company websites talking about how proud everyone is, and posts like this last one, which tries, once again, to make the case as to why surety bonds are so great. But like most things, the insurance companies aren’t giving the bail agents the whole scoop. If they did, those agents might actually switch to another company, or, heaven forbid, start to imagine a world without insurance company backing.
In the latest post, the insurance companies are basically telling the agents to keep on fighting for the current surety bond system because that system is (1) effective, (2) efficient, and (3) makes people accountable. They’re not telling those agents the flip side, though, and so, if you’re a bail agent, you should at least know what I tell people about those same three things.
As for effectiveness, the insurance company lobbyists typically say that certain studies and DOJ data say that release on a surety bond is more effective than release any other way. As I’ve written before, however, the studies they use (and that they want the agents to repeat) are flawed in that most of them are using the DOJ data improperly – indeed, DOJ itself had to warn everybody against doing exactly what the insurance companies are doing with these studies and data.
The studies are flawed for various reasons, but the biggest, in my opinion, is that they only talk about whether a surety bond is effective at getting someone back to court, and that simply isn’t enough at bail.
At bail, we try to accomplish three things: (1) maximize release, while we (2) maximize public safety and (3) maximize court appearance. These purposes are given to us through the law, which is intertwined with the history of bail. Unlike other and perhaps simpler areas of the law, however, these underlying purposes are competing – you have to try to release people, but then you have to worry about what they do once you release them – and thus they present a balance. And here’s the important thing: because you must balance them, you can never only discuss one without the others.
For example, if someone says, “I have a way to achieve 99% public safety and court appearance rates,” the law requires that you ask what that method does to release rates (in fact, about the only way to get such high rates is to detain virtually all defendants, which the law wouldn’t allow). Likewise, if someone says, “I have a way to release more bailable defendants from jail,” you have to ask, “Well, what does that release method do to public safety and court appearance rates?”
By far, the biggest problem with the “studies” that the insurance companies use to show their effectiveness is that they only look at what release on a surety bond does for court appearance. So even if the studies weren’t flawed, you’d still have to ask, “Well, what does a surety bond do for public safety and release rates?” And this is where surety bonds fail, because they do absolutely nothing for public safety (you can’t even forfeit the money on a bail bond for new crimes), and they tend to detain a lot of people who can’t pay the fees or post the collateral to use them. In fact, if you do the math on a group of 100 felony defendants, you’ll see that for the two or three defendants released on a surety bond who skip court and are returned “because bondsmen are out looking for them,” about 28 defendants are detained because they can’t pay the money. In short, surety bonds are only really effective at keeping people in jail. Does the threat of being tracked down by a bondsman cause fewer people to skip court to begin with? Nope, not according to the research.
As for efficiency, the insurance company lobbyists typically say that surety bonds get people back to court because bondsmen go out and get them when they skip. Those lobbyists said this very thing here in Colorado, but all the sheriffs and police officers that I knew said the opposite – they said the bondsmen never really go out and get defendants, and that it’s usually sheriff’s deputies or police officers who find them. Because I and my colleagues were researchers, we actually looked into this question, and for three months we studied how all defendants who had failed to appear for court were returned. The result? Well, as you might imagine, about half of the defendants came back on their own. Virtually all of the rest were brought in by deputies or officers. Less than ½ of 1% were brought in by bail bondsmen or bounty hunters. The fact that bondsmen don’t actually go out and get defendants, combined with the facts that surety bonds have nothing to do with public safety and tend to hinder release, mean that surety bonds are about the least efficient method of release you can think of.
As for accountability, all these previous points show that you don’t get any sort of accountability by using a surety bond. Like I said, for-profit sureties and insurance companies aren’t accountable for public safety – you can’t forfeit the money on a bail bond for new crimes, and so bondsmen don’t really care if a defendant is high risk to commit new crimes. In fact, a defendant who continually commits crimes but keeps coming to court is a bondsman’s best customer. So long as the judge plays along and keeps releasing that defendant on higher and higher amounts, commercial sureties make out like bandits.
Likewise, for-profit sureties and insurance companies aren’t accountable for release – for-profit sureties can essentially decide that a defendant will stay in jail for any number of reasons, or for no reason at all. And, because they get their fee up front, typically collateralize the rest of the financial obligation, don’t bother tracking anyone down, and fight courts to keep from paying forfeitures, you can’t even say they’re accountable for the one thing they claim to do, which is getting people back to court. Out of the three lawful purposes underlying the bail transaction, commercial sureties admit (but try to get you to ignore the fact) that really they only care about one.