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

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.

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

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.

Resources for Finding RON Vendors

States that have Passed Remote Online Notary Legislation (as of July 22, 2020)



Digital Closing Articles

Recent 2020 2019

Qualia Launches Remote Online Notary Platform
August 18, 2020

Qualia RON is built into the company’s cloud-based title and escrow software platform.

Blend Reaches Unicorn Status With $75 Million Series F Raise
HousingWire  |  August 12, 2020

There’s no doubt that the economic situation around the COVID-19 pandemic has placed pressure on lenders to offer remote solutions while keeping up with record loan volumes. To that end, Blend plans to use the new capital to invest in product development such as speeding up the release of its digital closing solution.

 Ask the Digital Boot Camp Experts: The 411 on MISMO’s RON Certification
August 11, 2020

During this latest installment of Ask the Digital Boot Camp Experts (sponsored by the FNF Family of Companies), Lisa Steele of Mother Lode Holding Co. and Eddie Oddo of First American Title Insurance Co. talk with Rick Hill, vice president of industry technology at the Mortgage Bankers Association, about MISMO's Remote Online Notarization (RON) certification program.

Simplifile, DocMagic Partner to Advance Digital Closings
July 23, 2020

Through the partnership, loan closings done through DocMagic’s Total eClose platform can now be automatically routed to the settlement agent thorough Simplifile for electronic closing coordination.

Hawaii Passes Remote Online Notarization Bill
July 16, 2020

Hawaii becomes the 27th state to allow remote online notarizations following the passage of SB 275. The legislation, which awaits the governor's signature, will go into effect Jan. 1, 2021.

 Ask the Digital Boot Camp Experts: Boots on the Ground, The Real Story
July 14, 2020
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. Click here to learn more and register for the upcoming virtual Digital Closing and eMortgage Boot Camp (Aug. 18-20).
PropLogix Launches RON Software
July 14, 2020

ProperSign features video conferencing, knowledge-based authentication, tamper-evident document sealing and long-term storage. Beyond meeting the Florida requirements to facilitate RON and remote ink-signed notarization (RIN) signings, PropLogix said its software can be used to facilitate fully digital or hybrid real estate closings.

MISMO Certifies First Two Remote Online Notary Products
July 9, 2020

Notarize and eNotaryLog became the first two companies to complete MISMO's new remote online notarization (RON) certification program. RON certification provides assurance that products fulfill the requirements of the MISMO RON standards. Earlier this year, ALTA announced its Title & Settlement Agent Registry (ALTA Registry) can now identify title and settlement companies that can perform RON closings. Closing companies that offer RON will be designated with a small graphic icon, making them easy to identify in the ALTA Registry, which is also fully searchable.

Ask The Digital Boot Camp Experts: Agent Spotlight Boots on the Ground
June 30, 2020

Listen to the second installment of the Qualia-sponsored Ask the Digital Boot Camp Experts video series as we spotlight what agents are doing in regard to digital closings. 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 remote online notarizations and remote ink-signed notarizations.

40% Increase in RON Usage, Qualia Finds
June 24, 2020

To support contactless business operations, respondents report that they are conducting more e-recordings, remote online notarizations (RON) and hybrid remote ink-signed notarizations (RIN).

ALTA Develops Principles for Remote Notarization
June 24, 2020

The principles outline guidelines to give consumers digital technology options for notarizations that incorporate safeguards to reduce fraud and protect property rights of consumers. In addition, the principles say any remote notarization must meet certain criteria to provide confidence in the transfer of real estate.

Remote Online Notarizations Surge 40% During Pandemic
HousingWire  |  June 23, 2020

Since stay-at-home orders and self-quarantines began in March, more businesses have moved to digital solutions. A survey from Qualia revealed that there was a nearly 40% surge in remote online notarization from April through May. Seventy percent of those who responded to the survey said they anticipated either having the same volume or an increased volume over the next 30 days compared to the previous month.

The Changing Laws on Remote Online Notarization
The Washington Post  |  June 22, 2020

As of mid-June, 26 states allow remote online notarization (RON) closings, including Virginia. The District and Maryland allow RON closings on a temporary, emergency basis. According to Diane Tomb, chief executive of the American Land Title Association (ALTA), nearly 30 percent of title and settlement companies are offering some type of digital closing to meet social distancing requirements. This is up from 17 percent of companies offering digital closings in 2019. “Protecting consumers remains the title insurance industry’s top priority,” Tomb added.

Mortgages for a Digital Age
Fannie Mae  |  June 16, 2020

The consumer demand for digital has driven exponential growth in eMortgages. In October 2018, nearly 17,000 electronic promissory notes (eNotes) were registered. Just one year later, that number exploded. After increasing by more than 500% to over 95,000 in 2019, it continues to rise. February 2020 was a record high month with 19,240 eNotes registered. Read on as Henry Cason, SVP and head of digital products for Fannie Mae, explains the benefits of electronic mortgages.

Colorado Passes RON Bill
June 11, 2020

SB 20-096, which was supported by the Land Title Association of Colorado, Colorado Association of Realtors, Colorado Mortgage Bankers and Colorado Bar Association, awaits the governor's signature. The bill goes into effect Dec. 31, 2020. Colorado becomes the 26th state to pass RON legislation. The bill also extends the use of remote ink notarization in the state through Dec. 31, 2020.

Missouri Passes Remote Online Notarization Bill
May 21, 2020

After a three-year process, Missouri passed a bill that allows for remote online notarization (RON) in the state. HB 1655, which was supported by the Missouri Land Title Association (MLTA), passed both legislative chambers and awaits the signature of Gov. Mike Parson. Missouri became the 25th state to pass RON legislation.

Stewart Title Partners with SIGNiX to Expand RON Services
May 5, 2020

Stewart Title has entered into an agreement to offer SIGNiX digital signature products to its internal notaries and Stewart Trusted Provider network.

MISMO Releases RON Certification Program
April 23, 2020

MISMO said it designed the remote online notarization (RON) software compliance certification program to scale the adoption of RON-enabled digital mortgage closings. Additionally, the program provides RON technology providers with a common set of standards and streamlines the approval processes of RON providers. MISMO's RON standards support model legislation that was developed by ALTA and the Mortgage Bankers Association.

MISMO Rolls Out RON Certification Program
Mortgageorb  |  April 23, 2020

MISMO, the mortgage industry’s standards organization, has introduced a new remote online notarization (RON) certification program for RON providers and mortgage industry participants. “Digital mortgage closings – especially during this time of social distancing and state stay-at-home orders – provide a safe, fast and convenient experience for all parties involved in a real estate transaction,” says Mike Fratantoni, president of MISMO and chief economist and senior vice president of research and industry technology for the Mortgage Bankers Association, in a release.

GSEs Issue New Guidance on RON, Powers of Attorney
March 31, 2020
In response to the COVID-19 pandemic, Fannie Mae and Freddie Mac modified their single-family seller guides including temporary requirements for remote online notarizations (RON) and powers of attorney.
 Hardware and Software Needs to Offer Remote Online Closings
March 19, 2020
In the ever-changing world of technology, title and escrow companies often ask what software they should purchase and what hardware is best to conduct remote online closings. While some prefer form over function, you do need to ensure you have the right tools to accomplish the task at hand. Read on for advice to help you implement the proper infrastructure.
NotaryCam Approved to Provide eNotary, RON Services for Michigan Notaries
January 9, 2020
NotaryCam has been approved by the Michigan Department of State to provide both eNotary and remote online notarization (RON) services to the more than 113,000 notaries public registered in the state.
Pavaso Supports Remote Online Notarization in Florida and Idaho
January 9, 2020
State commissioned remote electronic notaries in these states can select the Pavaso platform to complete RON closings, which gives homebuyers and sellers the option to close real estate transactions remotely, from almost anywhere in the world.
Standing on the Edge of a RON Revolution
Mortgage Orb  |  January 7, 2020
January 1, 2020 marked more than just the start of a new year. It also represented the next milestone in the march towards nationwide legalization of remote online notarization (RON) – a key component to the ability to conduct truly digital mortgage closings.