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.

Resources

Resources for Finding RON Vendors

Emergency Notarization Orders and Guidance

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.

Alabama

Arizona

Arkansas

Colorado

Connecticut

Delaware

District of Columbia

Georgia

Hawaii

Illinois

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Mississippi

Missouri

Nebraska

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Pennsylvania

Rhode Island

Tennessee

Texas

Vermont

Washington

West Virginia

Wisconsin

Wyoming

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

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 May 11, 2020)



Digital Closing Articles

Recent 2020 2019

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.