House Passes SECURE Notarization Act Allowing Remote Online Notarization (RON)

Mortgage News March 15, 2023

The SECURE Notarization Act of 2023 has been passed by the U.S. House of Representatives, which will allow remote online notarization (RON) technology for notaries public in interstate commerce. Introduced by Reps. Kelly Armstrong and Madeleine Dean, the bill will enable signers located outside of the United States, including active-duty military personnel, the elderly, and homebuyers with disabilities, to securely notarize documents. The bill includes requirements for two-way audiovisual communication, multifactor authentication, and tamper-evident technology to ensure security standards that protect consumers.

The COVID-19 pandemic increased the need for social distancing and remote options for executing important life documents, which was a key reason for the introduction of the SECURE Notarization Act. The legislation also includes national minimum standards for the use of RON and provides certainty for the interstate recognition of RON.

According to Rep. Armstrong. consumers can conveniently complete documents in a safe and secure manner using Remote Online Notarization. He further expressed his excitement over the overwhelming and bipartisan support for the legislation in the House and is optimistic that the Senate will follow suit and pass it into law.

The Mortgage Bankers Association (MBA) and American Land Title Association (ALTA) have expressed their support for the bill. The MBA’s President and CEO, Bob Broeksmit, CMB, stated that the bill’s minimum standards for RON are consistent with the MBA-ALTA model state RON bill and the Mortgage Industry Standards Maintenance Organization (MISMO) RON standards. This would help protect against fraud and make the mortgage closing process more convenient for consumers. Diane Tomb, CEO of the ALTA, also praised the bill, stating that it would modernize the United States’ notarization system and make it easier for Americans who are unable to visit a notary in person.

The SECURE Notarization Act of 2023 has been praised for providing a solution to modernize the notarization system and ensuring the safety and security of consumers. The bill will now move to the Senate for review and passage.

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