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‚Äôs 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.