1. PRIA Local 906 Chapter Inaugural Meeting October 15, 2019
All Material © 2019 Property Records Industry Association. All Rights Reserved. Unauthorized Use Prohibited.

2. What Is PRIA Local?
All Material © 2019 Property Records Industry Association. All Rights Reserved. Unauthorized Use Prohibited.

3. PRIA Local Brings PRIA Home
Designed to bring together property records industry partners at the local level
Title plants and underwriters; data aggregators
Recording, assessor and tax collecting offices
Banking and mortgage lenders
eRecording and Land Records Management System vendors
Offers locally operated meetings for participants who can’t attend PRIA national conferences

4. What Does PRIA Local Provide?
A structured forum to enhance industry communication
Two co-chairs (one government and one business) who organize meetings
A place to discuss regional issues and devise solutions
A cost-efficient way to stay aware of important national issues and PRIA standards

5. Successful PRIA Locals Provide
Educational opportunities
Awareness of cross-boundary issues
Distribution of PRIA news and work products
A way to work with problem areas in the local market place
A united forum to develop meaningful local legislation

6. PRIA Local 906Chapter Your PRIA Local 906 Chapter co-Chairs
Mary Ann Froberg – Alger County Clerk/ROD, Government Co-Chair
Nakia McFarland – Kofile Technologies, Business Co-Chair

7. PRIA Local Agenda Topics
Standardized indexing
GIS Practices
Best Practices for Certifying Copies
eRecording
TIFF/PDF-A Document Formats
Electronic Notarization Guidelines and Remote Online Notarization
Blockchain
Preservation of Electronic Records
Cybersecurity Issues (such as ransomware and wire fraud)

8. PRIA Local 906 Chapter Agenda 1:15-1:45 – eRecording
History of eRecording
Current National and State Statistics
Value of eRecording for Submitters and Registers
1:45-2:00 – Hear from a Peer
2:00-2:15 – How to begin eRecording for Registers and Submitters
2:15-2:30 – Record if Known Error?
2:30 – 2:45 – What Do You Need From Your Register?
2:45-3:00 – Future of the PRIA Local 906 Chapter

9. PRIA Local 906 Chapter eRecording-History What makes eRecording legal?
The legal foundation lies in three key pieces of federal legislation
Federal Electronic Signatures in Global & National Commerce Act (E-SIGN) – Signed June 30, 2000
Uniform Electronic Transactions Act (UETA) – adopted by the ULC in 1999 – adopted by 47 states, the USVI, Puerto Rico, and DC
The Uniform Real Property Electronic Recording Act (URPERA), promulgated by the ULC in 2004 and adopted by 28 states, the USVI, and DC
The first eRecording was processed in 1999, 20 years ago, in Lancaster County PA (Recorder of Deeds)
E-SIGN and UETA provide for the legal equivalency of electronic records and electronic signatures with their paper and wet-ink counterparts. E-SIGN and UETA are “overlay statutes,” which means their provisions were intended to work synergistically with all existing legislation. New legislation did not need to be drafted for every area of each statute that mentioned paper or ink signatures. Existing and future legislation could rely on the E-SIGN and UETA provisions for moving into electronic processes.

10. PRIA Local 906 Chapter eRecording - Today
As of September 30, ,027 recording jurisdictions offer eRecording to real estate partners and constituents
Approximately 85% of the population resides in jurisdictions that provide eRecording as a service
The only state in the US that does NOT offer eRecording is Vermont

11. PRIA Local 906 Chapter
eRecording - Today

12. PRIA Local 906 Chapter eRecording - Today State of Michigan
53 counties eRecording* (not all are doing conveyances)
5 of these counties are located in “the 906”

13. PRIA Local 906 Chapter
Two counties pending for eRecording Implementation in Michigan, including one in “the 906”

14. eRecording Benefits – Submitters
PRIA Local 906 Chapter
eRecording Benefits – Submitters
Speed – same day recording
Lowers costs
Lowers chance for document loss
Security – document integrity, encryption, secure network
Faster problem resolution
Streamlined payment for recording
Regulatory and lender compliance
ALTA Best Practice Pillar #4
Eco-Friendly
Speed – shorter turn time – reduces gap period
Potential reduction in delivery fees/courier fees – provides savings can keep or pass through to consumersL
Lowers chance for doc loss vs. paper delivery/tracking
Security – everything has an audit
Faster problem resolution – rejections are processed quickly – so corrective action can place and can be resubmitted
Payments – no need to manage escrow accts for multiple counties
Compliance – TRID guidelines

15. eRecording Benefits – Registers
PRIA Local 906 Chapter
eRecording Benefits – Registers
Reduces mailing and document delivery costs
Reduces delays or document loss
Improves document recording turn time
Faster processing time for rejections – reduces rejections
Eliminates payment errors
Improves office efficiencies by streamlining workflows
Enhances document security

16. PRIA Local 906 Chapter Hear from a Peer
Kate Schuetter – TransNation Title
Carla L’Huillier – Marquette County Register of Deeds

17. Getting Started with eRecording
PRIA Local 906 Chapter
Getting Started with eRecording

18. Getting started with eRecording What do Registers need to do?
PRIA Local 906 Chapter
Getting started with eRecording
What do Registers need to do?
Execute Memorandums of Understand (MOU) contracts with eRecording vendors
Work with multiple eRecording vendors
Accept fees via ACH
Accept real-estate related instruments via eRecording
Work with existing LRMS vendor in partnership with eRecording vendors for testing and acceptance
Registers work with each eRecording vendor, not each individual submitter
Do not limit who eRecorded documents come to you – these companies are delivery mechanisms, much like the postal service, fedex, ups, etc are delivery services for paper documents
Accept monies via ACH – each vendor will deposit daily into a designated acct all fees processed through their respective services –
Determine documents to be accepted electronically – refer to your state statute
Refer to the Best Practice document on PRIA’s site for Recorders/Registers
Contact your system vendor for setup, testing, and acceptance before “go live”

19. Getting started with eRecording What do Submitters need to do?
PRIA Local 906 Chapter
Getting started with eRecording
What do Submitters need to do?
Have access to a PC, high-speed internet using a current web browser, and a document scanner
Have a MOU on file with an eRecording vendor of your choosing
Setup terms with said vendor for payment of recording fees and charges for their respective services (typically through ACH on a daily basis)
Begin eRecording
Review the major submitters- refer back to previous slide
Technical needs – minimal
In reviewing vendors, you may determine if any of the primary companies integrate with your current LOS system or title production system to save steps or clicks on the submission side – think about where you record documents in selecting a vendor – check if those counties work with the vendor you wish to work with

20. PRIA Local 906 Chapter Michelle Wilsey Phil Cerami Phone: 989-292-9456
Phil Cerami
Phone: , ext
Contact information for each vendor – MI coverage for each company
Christie Adams
Phone:
Josie Tindell
Phone:

21. PRIA Local 906 Chapter Record a Document with a Known Error?
Common errors in doc preparation:
Incorrect reference of a document number or book/page
Incorrect spelling of Grantor or Grantee
Incorrect Legal Description
Attaching a copy of a survey as an “Exhibit” in lieu of a separate recording, properly indexed as a Survey
How would you like your local Register to handle these types of errors?
Discussion slide
Are there any other errors that come to mind that should be addressed?

22. What can your Register do for you?
PRIA Local 906 Chapter
What can your Register do for you?
Discussion slide

23. PRIA Local 906 Chapter PRIA Local 906 Chapter – Future
Two meetings per year (one spring, one fall) – minimum of one meeting per year
Work with the local real estate, lending , and land title community for engagement
Provide an open forum for connecting private and public sector
What topics would you like to see for future meetings?
Discussion slide
Are there any other errors that come to mind that should be addressed?

24. PRIA Local Agenda Topics
Standardized indexing
GIS Practices
Best Practices for Certifying Copies
eRecording
TIFF/PDF-A Document Formats
Electronic Notarization Guidelines and Remote Online Notarization
Blockchain
Preservation of Electronic Records
Cybersecurity Issues (such as ransomware and wire fraud)
Review this slide again – does anything interest the audience? Get feedback so that future meetings provide value – any local topics that should be addressed by MARD, MLTA, MBA, etc?

25. PRIA Local Webpage (2019) www.pria.us
Refer to the pria local site for other chapter agendas and discussions

26. Contact Us Any Time
Mary Ann Froberg, 906 Chapter Co-Chair, Nakia McFarland, 906 Chapter Co-chair, Thank you for your attendance today!