Remote Online Notarization

Remote Online Notarization (RON) is the use of audio/visual technology to complete a notarial act when the principal is not in the same physical location as the notary public—getting consistent state laws passed in all 50 states, the District of Columbia, and Puerto Rico is a critical step in moving to a fully digital mortgage experience.  That is why MBA partnered with the American Land Title Association in 2017 to develop a model bill and campaign for its passage in every legislature. That campaign has been very successful, and MBA is proud to point out that 45 states and the District of Columbia have consistently enacted laws to permit RON in real estate financial transactions. Unfortunately, Connecticut has enacted its RON law with an exclusion for real estate transactions. The introduction and passage of RON legislation in the five remaining states and addressing the industry challenge in Connecticut are top MBA policy priorities, as well as the enactment of RON legislation by Congress. MBA also supports adoption of MISMO's model RON implementation standards. 

Learn More with Our Remote Online Notarization (RON) Resources

• MBA-ALTA Background Memorandum on the Model Bill
• MBA-ALTA Model Bill Section-By-Section Description
• MBA-ALTA Model Bill
• MBA Remote Online Notarization Issue Brief
• Suggested Talking Points on MBA-ALTA Model Bill
• Sample Support Letter to State Legislators
• Frequently Asked Questions on MBA-ALTA Model Bill
• Frequently Used Legal Acronyms of Key Laws and Model Bills
• MISMO Remote Online Notarization Standards
• American Land Title Association Resource Page
• MISMO Digital Mortgage Resource Center
• Fannie Mae eClosing Technology Solution Provider List
• Freddie Mac Reviewed Vendor List
• MERS eRegistry Participants

Latest RON News

• May 1, 2025: At the federal level, the Senate companion to the SECURE Notarization Act of 2025 is introduced (S.1561)
• March 3, 2025: At the federal level, the SECURE Notarization Act of 2025 (HR 1777) was introduced to establish national minimum standards (already achieved in 45 states) for RON in real estate transactions. This open up RON in the remaining five states by allowing interstate recognition of commissioned RON notaries.
• February 16, 2024: Mississippi introduces SB 2546 which would allow for RON.
• February 12, 2024: Successful lobbying efforts across industry result in Arizona'sSB 2409 being held in committee. This legislation would have prohibited the use of RON for real estate. Further conversations continue looking to address seller fraud concerns.
• January 29, 2024: SB 425 is introduced to allow RON & IPEN in Georgia; however, this legislation includes criminal and civil liabilities, including compensatory and other damages.
• January 22, 2024: Arizona legislature introduces SB 2409 that would repeal the use of RON for real estate. This bill is the result of complaints over seller fraud, largely found in paper notarizations. 
• January 15, 2024: Virginia introduces HB 1372 which raises Virginia RON requirements to be in line with the rest of the RON states by including Knowledge Based Authentication assessments.
• 2021-2023 News and Activity