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:
- Over 30 RON bills have been introduced in more than 20 state legislatures during 2019 alone;
- Twenty-three states have enacted RON legislation; and,
- MBA continues to work with state partners to advocate for 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
- 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
- April 8, 2020: Rhode Island Issues Emergency Order to Allow RON Transactions Temporarily.
- April 6, 2020: Indiana Waives July 1 Effective Date of RON Law to Allow RON Transactions Immediately.
- April 6, 2020: New Mexico Issues Emergency Order to Allow Remote Notarizations.
- April 6, 2020: Hawaii Issues Emergency Order to Suspend In-Person Requirements for Notarial Acts.
- April 1, 2020: Georgia Issues Emergency Order to Allow Remote Notarizations.
- April 1, 2020: West Virginia Secretary of State Issues Emergency Orderto Allow Remote Notarizations.
- March 31, 2020: Fannie Mae and Freddie Mac Provide Guidance on Remote Online Notarization and Other Issues Related to COVID-19.
- March 31, 2020: Colorado Gov. Polis Authorizes Secretary of State to Promulgate Temporary Rules to Allow Remote Notarizations.
- March 31, 2020: Arkansas Issues Executive Order to Allow Remote Notarizations.
- March 30, 2020: Washington Issues Emergency Rules to Enable State RON Law.
- March 30, 2020: Georgia Supreme Court Issues Order to Allow Attorneys to Oversee Closings Remotely.
- March 30, 2020: Alabama Issues Emergency Order to Allow Remote Notarizations.
- March 30, 2020: Vermont Issues Emergency Guidance to Enable RON in State. Note: Emergency guidance does not effect VT statute authorizing the Secretary of State to promulgate RON rules.
- March 30, 2020: Louisiana Issues Emergency Order to Temporarily Allow Remote Notarizations.
- March 30, 2020: Maryland Gov. Hogan Issues Emergency Guidance to Enable State RON Law.
- March 27, 2020: Illinois Issues Executive Order to Allow RON Transactions.
- March 27, 2020: Department of Housing and Urban Development Sends Letter to the Conference of State Bank Supervisors to Urge State Regulators to Allow RON Transactions.
- March 26, 2020: Massachusetts Introduces Emergency Legislation to Allow RON. Note: The language of the bill is inconsistent with the RON standards of the real estate finance industry and there is a risk that the GSEs will not purchase a loan using these guidelines.
- March 26, 2020: Pennslyvania Issues Order to Allow RON for Real Estate Transactions Started Prior to Disaster Declaration.
- March 26, 2020: Maryland Issues Order to Allow Land Records to be Recorded Electronically.
- March 25, 2020: Wyoming Issues Emergency Guidance to Temporarily Allow RON Transactions
- March 25, 2020: Washington Issues Emergency Order to Enable RON (Effective 3/27).
- March 24, 2020: Connecticut Gov. Lamont Issues Executive Order Allowing RON Transactions for 90-Days.
- March 23, 2020: New Hampshire Gov. Sununu Issues Executive Order Temporarily Allowing RON Transactions.
- March 22, 2020: Iowa Gov. Reynolds Issues Exectutive Order To Temporariliy Suspend Personally Appear Requirement for Notarizations to Allow RON Transactions.
- March 19, 2020: New Jersey Fast Tracks RON Legislation (A3864) and Passes Both Houses.
- March 19, 2020: New York Gov. Cuomo Issues Executive Order Temporarily Allowing RON Transactions. NOTE: Minimum standards for real estate finance industry transactions are not required under this Executive Order, and MBA members are strongly encouraged to use vendors who perform RON transactions in a manner consistent with MISMO standards or their equivalent.
- March 18, 2020: Wisconsin Issues Emergency Guidance to Enable RON Immediately.
- March 3, 2020: Wisconsin Gov. Evers Signs AB-293.
- November 12, 2019: Wisconsin RON legislation (AB-293) approved by Assembly. UPDATE: AB-293 approved by WI Senate, February 19, 2020.
- September 9, 2019: MISMO Finalizes RON Standards.
- July 29, 2019: National Mortgage News Article: MISMO Moves Needle on Remote Online Notarization (subscription required).
- July 26, 2019: MBANewslink Article: MISMO Approves New Remote Online Notarization Standards.
- July 25, 2019 MISMO Releases Revised RON Standards
- June 7, 2019: Florida Governor signs RON legislation (HB-409) into law.
- May 24, 2019: Nebraska Legislature approves RON bill (LB-186). UPDATE 6/3: Governor signs bill into law.
- May 20, 2019: Proposed RON legislation (AB-4076A) in New York is amended to algin more closely with industry approach and the laws of other RON states.
- May 13, 2019: Maryland enacts RON legislation (SB-678).