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).
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.
- 2023 Digital Closing Survey Results (Member-only Access, Log In Here)
- Remote Online Notarization FAQs - February 2021
- RON Workflow
- ALTA's Principles for Remote Notarization
- ALTA's 2017 Principles for Remote Online Notarization (RON)
- Notarization Types and Terminology
This infographic breaks down the various ways notarizations can occur and explains their capabilities and requirements.
- Digital Closing Readiness Checklist
- Digital Closing Statutes
ALTA members have access to this state-by-state list of digital closing statutes.
- List of MERS eRegistry Participants
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 email@example.com.
Green indicates when RON laws were passed with darker green more recently. Click on each state for links to Laws and Regulations. Click "x" to close.
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.
State Legislative Tools
Model Emergency Notarization Order Language
Digital Closing Articles
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’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
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.
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.
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.
Qualia RON is built into the company’s cloud-based title and escrow software platform.
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.
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.
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 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.
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.
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.
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.
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).
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.
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.
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.
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.
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.
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 has entered into an agreement to offer SIGNiX digital signature products to its internal notaries and Stewart Trusted Provider network.
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, 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.