1. eNotarization Are We There Yet?
Bill Anderson
Vice President, Government Affairs

2. About the NNA Model Notary Act/Model Electronic Notarization Act
Notary Public Code of Professional Responsibility
National Notary Magazine/Notary Bulletin
U.S. Notary Reference Manual
Notary Hotline
Notary Essentials online course
Half of Fortune 100 rely on NNA training
NotaryEmployer.org (Trusted Notary™ program for employers of Notaries)
NNASuretyBonds.com (escrow, title and commercial bonds)
Notary compliance services

3. Key eNotarization Terms
Electronic notarization (i-ˌlek-ˈträ-nik • nō-tə-rə-ˈzā-shən)
A notarial act using electronic records, signatures and seals
Electronic signature (i-ˌlek-ˈträ-nik • ˈsig-nə-ˌchu̇r)
An electronic sound, symbol or process executed or adopted by a person with intent to sign a record
Electronic seal (i-ˌlek-ˈträ-nik • ˈsēl)
Notary commission information or a graphic image containing such information used to authenticate an electronic notarization

4. What Is Notarization?
Witnessing Act
Notary Public

5. Notarization vs. eNotarization
Witnessing act
Medium: Paper
Tools: Ink pen and stamp/seal
eNotarization
Medium: Record
Tools: Electronic signature/seal

6. Types of Electronic Signature
Digitized
Signature
Digital Signature
Voice
Click Signature
PIN
Typed
Name

7. How Are eNotarizations Performed?
Desktop Apps
Mobile Apps
Web Apps

8. First Official Pilot: October, 2000

9. Washington State Pilot: October, 2001

10. eClosings: What We’ve Learned
Signing experience is crucial
Notary errors are reduced
Notaries add value

11. eSignature/eNotarization Timeline
Freddie Mac accepts eSignatures
2001
Fannie Mae accepts eSignatures
2002
Model Notary Act with Article III
Production-level hybrid closings
2005
Early eClosing pilots in Florida and Utah
2008
2000

12. eSignature/eNotarization Timeline
IRS accepts eSignatures on Form 4506-T
2012
FHA accepts eSignatures January 30, 2014
2014
First FHA eClosing March 18, 2014
CFPB launches eClosing pilot
2015
Financial crisis/housing market correction
2008
2007

13. Allows Notaries to Use e-Signatures
Uniform Electronic Transactions Act and/or
Uniform Real Property Electronic Recording Act

14. Additional eNotarization Statutes/Rules

15. Regulatory Policies LOW MEDIUM HIGH Enabling statutes
Electronic seal statutes
Registration or notification
Separate commission
Tamper-evident signature
Administrative rules
Broad administrative rules
Performance standards
System provider approval
Extensive statutes
Course and/or exam
Ethical conduct provisions
Technology specific
The categories are somewhat subjective
“High,” “medium” and “low” are not necessarily determined by the number of policies implemented by a state, although “high” and “medium” states usually have two or more
Not all states in a category have implemented all of the policies within the category

16. Regulation of eNotarization

17. Examples Low: Texas Medium: Florida High: North Carolina
Gov’t Code §
Medium: Florida
FS §
FAC 1N and 1N-5.002
High: North Carolina
NCGS Chapter 10B, Article 2 “Electronic Notary Act”
18 NCAC Chapter 07C, Subchapter B “Electronic Notary Standards”

18. 2017 Legislation Introductions
Electronic notarization
Remote notarization
Both

19. Remote Notarization Remote notarization (ri-ˈmōt • nō-tə-rə-ˈzā-shən)
A notarial act in which the Notary and signer appear before each other using real-time audio-video communication
Let’s see one in action!
Remote notarization demo courtesy of SIGNIX (YouTube)

20. Remote Notarization Timeline
Virginia enacts remote statute
2011
Montana enacts remote statute
2015
Lender, title and GSE support remote acts
2016
9 states introduce remote bills
2017
Utah enacts first-ever remote statute
2008
2000

21. Remote Notarization Issues
Physical vs. Remote presence
Location of signer/Notary
Jurisdiction of remote act
Coercion of signer
Paper or electronic record
Identifying signer of remote act
Certificate of remote act
Recordkeeping of remote act
Interstate recognition

22. Resources National Notary Association
Model Electronic Notarization Act
What Businesses Need To Know About eNotarization: Technology, Trends & Webcams
Is Video Notarization The Next Big Thing? (YouTube)
National Association of Secretaries of State
Remote Notarization Task Force

23. Vice President, Government Affairs
Contact
Bill Anderson
Vice President, Government Affairs