Remote Online Notarization
In This Section
2018 Progress Report on RON with William Kooper from 1/16/18
MBA and ALTA’s Launch of Remote Online Notarization (RON) Campaign with William Kooper from 8/27/18
The Mortgage Bankers Association (MBA) and the American Land Title Association (ALTA) have collaborated to prepare model legislation that would provide the framework for any state to adopt an remote online notarization process. This model legislation was developed with input from an ad-hoc task force of MBA and ALTA members and was also exposed for comment to MBA's Legal Issues and Regulatory Compliance Committee, MBA's State Legislative and Regulatory Committee and also ALTA committees. Additionally, key policy makers and other independent groups provided input. Both MBA and ALTA are working with their member companies and state and local association partners to advocate for the provisions of this model.
Remote Online Notarization State Surveys
Find the most comprehensive analysis of state requirements for Remote Online Notarization (RON). MBA Education's Compliance Essentials program has partnered with legal experts at DLA Piper, LLP to produce these surveys. The number of states available continues to grow as legislation is enacted to keep you current and competitive during these trying times. Guides are available for individual purchase or for as many states as you may need. Purchase this fully editable survey, delivered digitally, to gain a thorough understanding of individual state requirements and key issues.
Inside you will find:
- State's laws organized into nine key topics and requirements
- Guide for using the RON State Surveys and key points every lender needs to know
- Matrix of RON Requirements by State with 40 rows of state-specific information for all available states (available only with purchase of full package)
William Kooper Discusses Remote Online Notarization
MBA’s William Kooper provides an update on the industry's progress in the Remote Online Notarization enactment campaign, and discusses
consistency of RON laws among states.
Remote Online Notarization, or 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, DC and Puerto Rico is a critical step in moving to a fully digital mortgage experience. That is why MBA partnered during 2017 with the American Land Title Association to begin a campaign to create a model bill for introduction and passage in every legislature. That campaign has been very successful, and MBA is proud to point out that:
- In 2021, MBA continues to work with ALTA and local partners to promote the enactment of RON legislation;
- So far, thirty-seven states have enacted laws to enable the use of RON;
- At the beginning of 2020, the COVID-19 health crisis caused a paradigm shift where in-person financial transactions were severely restricted and prevented documents from being notarized in a traditional manner;
- Many states issued temporary executive orders to authorize the suspension of the state's statutory requirement that the principal physically appear before a notary. Many states allowed notaries to view the signing of a paper document through an unsecured audiovisual communication tool (e.g., Zoom, Microsoft Teams, and WebEx). The paper documents were then signed and transmitted electronically or through postal mail by the principal to the notary in a process called Remote Ink Notarization (RIN).
- In response to the increase in executive orders enabling RIN, MBA released a model exetutive order for state leaders to safely enable remote notarization during the COVID-19 pandemic;
- MBA views RIN as a short term solution to address thei issues caused by the pandemic and will continue to work with state partners to advocate for RON legislation consistent with the MBA-ALTA model.
Learn more about
- 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
- MBA-ALTA-NAR Model RON/RIN State Executive Order
- Model State Executive Order Sample Letter to Governors
- Model State Executive Order FAQ
- MISMO Remote Online Notarization Standards
- American Land Title Association Resource Page
- MISMO Digital Mortgage Resouce Center
- Fannie Mae eClosing Technology Solution Provider List
- Freddie Mac Reviewed Vendor List
- MERS eRegistry Participants
- DLA Piper Summary of State Executive Orders to Allow Remote Notarizations
Read the latest news related to Remote Online Notarization
- September 24, 2021: MBA submits letter to North Carolina legislators urging them to support legislation (H776) consistent with the national standard for RON adoption.
- September 23, 2021: U.S. House passes the National Defense Authorization Act (NDAA) with language consistent with the SECURE Act, which is supported by MBA and would permit the use of RON nationwide.
- July 14, 2021: MBA submits comment letter to Wyoming Secretary of State to urge him to promulgate crendential analysis standards consistent with national consensus.
- July 1, 2021: MBA sends letter to NY Secretary of State urging them to implement rules consistent with MISMO and national standard.
- June 28, 2021: Illinois Legislature passes legistion (SB2664) to enable RON. Sends bill to Governor Pritzker to be signed.
- June 21, 2021: New Jersey Legislature passes legistion (A4250) to allow RON.
- June 15, 2021: Oregon Governor Brown signs RON legistion (SB765)
- May 10, 2021: New York Legislature passes legislattion (S1780) that would enable RON. Sends legislation to Governor for signature.
- April 29, 2021: Arkansas Governor signs legislation (SB340) to allow RON.
- April 22, 2021: Kansas Governor Kelly signs RON legistion (SB106) into law.
- April 5, 2021: New Mexico Governor Lujan Grisham signed legislation (SB12) to allow remote online notarizations.
- March 31, 2021: West Virginia Governor Jim Justice signs legislation (SB469) to enable all remote notarizations.
- February 26, 2021: Wyoming Governor Mark Gordon signed legislation (SF29) that would enable remote notarizations within the state.