ALTA strives to help members identify the benefits and risks associated with digital closings in order to put the industry in the best position to solve problems and inspire innovative ideas. ALTA is your source for tools and education about various aspects of digital closing and provide information about the availability of technological advances such as remote online rotary (RON).

Digital Closings/Remote Online Notarization

Remote Online Notarization Videos

Introductory Videos on RON

Introduction to Digital Closings

Get a quick overview of the various types of digital closings, as well as the benefits and operational efficiencies they can provide.

Digital Closings: A Closer Look

Get the 411 on all the terms and acronyms associated with digital closings. Understand what they mean and the processes associated with each of them.

Remote Online Notarization

Learn about the various steps and requirements for performing a RON.

Ask the Digital Boot Camp Experts Video Series

That Darn Promissory Note

Sponsored by Qualia

Listen to the first installment of the Ask the Digital Boot Camp Experts video series as we discuss "That Darn Promissory Note." Joining Lisa Steele of Mother Lode Holding Co. and Eddie Oddo of First American Title Insurance Co. is Camilia Martin with Falcon Capital Advisors.

Agent Spotlight Boots on the Ground

Sponsored by Qualia

Eddie Oddo, vice president of First American Title's corporate business solutions, speaks with Web Raulston, CEO of Team Title Services in Tennessee, and Kelli Flores, vice president of First American's direct operations in Colorado. Learn how these title agents are approaching RON and RIN.

Boots on the Ground, The Real Story

Sponsored by FNF Family of Companies

During this third Ask the Digital Boot Camp Experts video series, Lisa Steele of Mother Lode Holding Co. and Eddie Oddo of First American Title Insurance Co. discuss how title companies are handling remote online notarizations with Celia Flowers of East Texas Title and Dennis Pospisil of Republic Title of Texas.

The 411 on MISMO's RON Certification

During this latest installment of Ask the Digital Boot Camp Experts, Lisa Steele of Mother Lode Holding Co. and Eddie Oddo of First American Title Insurance Co. talk with Rick Hill of the Mortgage Bankers Association about MISMO's Remote Online Notarization Certification.

Agent Spotlight Boots on the Ground

Check out this bonus Ask the Digital Boot Camp Experts video as Lisa Steele of Mother Lode Holding Co. and Eddie Oddo of First American Title Insurance Co. talk with Celia Flowers of East Texas Title and Dennis Pospisil of Republic Title of Texas about how remote online notarizations have affected E&O coverage.

Resources

RON Explained

This video walks through the remote notarization process, which connects consumers and notaries using two-way audio and video conferencing technology.

State Laws Authorizing Remote e-Notarization

Emergency orders and guidance issued by states on RON do not necessarily conform with the ALTA-MBA model or RULONA standards for consumer protections and anti-fraud safeguards. The powers of entities to issue such orders should to be reviewed on a state-by-state basis. Prior to relying on any emergency order or guidance, you should contact your underwriter. 48 states and the District of Columbia have either passed a RON law or issued an executive order pertaining to remotely notarizing documents, some have done both.

Please email any additional orders or guidance not listed to eblosser@alta.org.

Years listed next to state names denote when RON laws were passed.

Nevada (2017)

New Hampshire (2021)

New Jersey

New Mexico (2021)

New York (2021) [pending]

North Carolina

North Dakota (2019)

Ohio (2018)

Oklahoma (2019)

Oregon (2021)

Pennsylvania (2020)

Rhode Island

South Carolina

South Dakota (2019)

Tennessee (2018)

Texas (2017)

Utah (2019)

Vermont (2018)

Virginia (2011)

Washington (2019)

West Virginia (2021)

Wisconsin (2020)

Wyoming

Federal Legislation

The Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020 (SECURE Notarization Act) would permit immediate nationwide use of remote online notary (RON) with minimum standards and provide certainty for the interstate recognition of RON.

States that have Passed Remote Online Notary Legislation (as of August 18, 2021)



Digital Closing Articles

Recent 2021 2020 2019

First Class Signing Launches RON Solution
November 18, 2021

First Class Signing Service announced it has launched a new MISMO-approved remote online notarization (RON) service to serve digital closings nationally and internationally.

New: BOGO Your Way to Boot Camp!
November 2, 2021

Go digital with the ALTA, MBA & MISMO Digital Closing & eMortgage Boot Camps! Right now, you can take advantage of our BOGO offer and bring a colleague or friend for free when you register. You have two chances to attend for your ultimate convenience.

The Mortgage Industry’s Field of Dreams
National Mortgage News  |  November 1, 2021

As state legislators continue to embrace RON and federal legislators push for it, the lingering question of the borrower remains. If lenders build RON technology into their stack, will borrowers come? Data suggests that the answer is yes, borrowers will come walking out of the cornfields for RON.

 New RULONA Amendment Gives More Flexibility
September 21, 2021

It’s not news to anyone in the title industry that there has been an explosion of interest in remote online notarization (RON) since the start of the COVID-19 pandemic. The past year also saw growing interest in paper alternatives to the RON experience. Read on to learn how the new RULONA amendment provides more flexibility as well as the three ways to perform a paper remote online notarization.

Digital Mortgage Closings Could be Legal in all 50 States by 2022, Expert Predicts
FOX Business  |  September 17, 2021

Some experts believe that eClosings could be legalized across all 50 states by 2022, as that process and remote online notarizations (RON) gain more traction. "There continues to be broad, bipartisan support in Congress for the SECURE Notarization Act, and we continue to educate policymakers, alongside a broad coalition of partners, about the importance of expanding access to remote online notarization nationwide with strong standards for its use by all consumers," said Chris Morton, American Land Title Association senior vice president of public affairs.