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).

Coronavirus Omnibus Emergency Amendment Act of 2020

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.

Alabama

Alaska (2020)

Arizona (2019)

Arkansas

California

Colorado (2020)

Connecticut

Delaware

District of Columbia

Florida (2019)

Georgia

Hawaii (2020)

Idaho (2019)

Illinois

Indiana (2018)

Iowa (2019)

Kansas

Kentucky (2019)

Louisiana (2020)

Maine

Maryland (2019)

Massachusetts

Michigan (2018)

Minnesota (2018)

Mississippi

Missouri (2020)

Montana (2019)

Nebraska (2019)

Nevada (2017)

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota (2019)

Ohio (2018)

Oklahoma (2019)

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota (2019)

Tennessee (2018)

Texas (2017)

Utah (2019)

Vermont (2018)

Virginia (2011)

Washington (2019)

West Virginia

Wisconsin (2020)

Wyoming

States that have Passed Remote Online Notary Legislation (as of November 9, 2020)



Digital Closing Articles

Recent 2020 2019

ALTA Encourages N.C. Secretary of State to Maintain RON Standards
October 28, 2020

In a letter, ALTA, the North Carolina Land Title Association, Mortgage Bankers Association and Mortgage Bankers Association of North Carolina, detailed the need to ensure the state maintains RON requirements, which provide robust consumer protections and legal certainty to the transaction. The letter indicates the state’s Secretary of State is considering policy that would codify standards not consistent with RON and would introduce unnecessary legal uncertainty and risk to transactions.

Pennsylvania Governor Signs RON Legislation
October 27, 2020

Pennsylvania’s General Assembly passed legislation on Oct. 21 that authorizes the use of remote online notarization. The legislation, which was supported by the Pennsylvania Land Title Association, was signed Oct. 29 by Gov. Tom Wolf. 

 Minnesota Passes Temporary RIN Bill While Michigan S.C. Rejects Governor’s Order Easing Notarial Requirements
October 20, 2020

Minnesota passed legislation that would temporarily allow for remote ink-signed notarizations, while the Michigan Supreme Court ruled the state’s governor lacks the authority to extend or declare states of emergency in relation to the COVID-19 pandemic. The order had eased existing requirements for remote online notarizations.

Impediments to Interstate Commerce Eliminated by Passage of The Secure Notarization Act
MBA NewsLink  |  October 20, 2020

What ever happened to Senate Bill 3533, the Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2020 (the SECURE Act), bipartisan legislation to authorize and establish minimum standards for electronic and remote notarizations (RON), which was introduced in mid-March? The Secure Act, endorsed by ALTA, the Mortgage Bankers Association and the National Association of Realtors, would authorize all notaries in the United States to perform RONs, require tamper-evident technology in electronic notarizations and provide fraud prevention through use of multifactor authentication.

Pandemic Speeds Remote Online Notarization
Auto Finance News  |  October 12, 2020

To date, 26 states have authorized some form of RON legislation. ALTA and the Mortgage Bankers Association have championed uniform RON legislation, which includes a model bill. Due to the pandemic, several states have temporarily authorized RON or accelerated the implementation of enabling legislation.

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