Frequently Asked Questions about Occupancy Affidavits for Notary Signing Agents Notary Signing Agents encounter a variety of intricate documents when handling mortgage loan signings, some of which have specific or unique requirements. This article aims to address queries regarding the Occupancy Affidavit. What is the Definition of an Occupancy Affidavit? An Occupancy Affidavit is a document where a homeowner affirms that the property being financed will be their primary residence. What is the Purpose of an Occupancy Affidavit? Lenders typically provide lower interest rates to homeowners who reside in their primary residence due to reduced risks associated with property maintenance compared to absentee ownership (such as rental or vacation properties). Are There Alternative Names for Occupancy Affidavits? Indeed, an Occupancy Affidavit might also be known as a “Statement of Occupancy,” “Occupancy Statement,” “Occupancy Certification,” “Owner Occupancy Letter,” “Residency Affidavit,” or other titles. Sometimes, it may be labeled as an "Occupancy and Financial Status Affidavit" or similar, encompassing both occupancy and financial details in a single document. Which Loan Document Packages Commonly Include an Occupancy Affidavit? Occupancy Affidavits are frequently part of residential purchase and refinance loan packages. Is Notarization Required for an Occupancy Affidavit? While some do mandate notarization, others do not. Most lenders stipulate that an Occupancy Affidavit needs notarization with an oath or affirmation, with the borrower signing the Affidavit and confirming its accuracy in the presence of the Notary. Some forms might necessitate an acknowledgment instead, while others may not require notarization at all. Regardless of notarization, providing false information on an Occupancy Affidavit can lead to severe consequences, including fines or imprisonment. Notary Signing Agents should diligently review the Occupancy Affidavit in the loan package for notarial requirements.

Since 2019, H2H NOTARY LLC has been serving the Clark County area with great success, upholding a longstanding tradition of excellence to deliver top-quality service. We recognize the difficulties in finding a reliable Notarial Officer for notarizing and signing documents, and we are committed to guiding you through the process every step of the way. Our operations comply with all state and federal regulations, boasting extensive knowledge of the Notarial Service Business. As members of the National Notary Association and the American Society of Notaries, we are bonded, insured, and conduct thorough background checks on all our Notarial Officers to ensure the proper handling of your documents. At H2H NOTARY, LLC, our Notarial Officers adhere to strict ethical and professional standards, serving the public with honesty, fairness, impartiality, integrity, competence, and diligence. Our team of legal professionals is dependable, composed, and articulate, offering a personalized approach that sets us apart. Customer service, to us, means more than just delivering a service—it's about building lasting relationships with our clients to help them reach their objectives. We are dedicated to continuously enhancing our customer service standards. "Having proudly served the Clark County area for the past four years," expressed Shaun J Federico, founder and CEO of H2H NOTARY LLC, "we have been privileged to assist many individuals during challenging times, including the Covid-19 pandemic, and we are committed to maintaining our exceptional service for years to come." Witnessing the evolution of the Notarial industry, we are enthusiastic about participating in the new era of Remote Online Notarization (RON), leveraging technology to streamline the document notarization process. We stay abreast of the latest RON technology advancements to provide efficient and reliable services. H2H NOTARY LLC has earned a reputation for delivering top-notch service and supporting clients when they need it most. Whether you require online, in-person, or mobile notarization services, do not hesitate to reach out to us at: (775) 523-5197 Email : shaunfedericonotary@gmail.com . Website: https://h2hnotary.com.

Although Notaries are typically familiar with the certificate wording in their own state, requirements for such wording can vary significantly between different locations. Out-of-state certificates may contain wording that is unfamiliar or even confusing. While some states specify the exact wording that must be used in certificates, others provide general guidelines. In certain situations, it is left to the Notary to decide whether the wording on a specific certificate is acceptable. So, how should you handle a Notary certificate from another state? Adhere to the Notary Certificate Laws of Your Own State In most states, the general principle is that certificates must substantially comply with the requirements outlined in the statutes. For instance, many states accept an acknowledgment certificate as long as it includes the phrase "acknowledged before me" or an equivalent, allowing for some flexibility in the exact wording. In these states, a Notary can use a certificate from another jurisdiction as long as they follow all the notarization requirements in their own state. This typically involves the signer personally appearing before the Notary, providing proper identification, and signing or acknowledging the document. However, the specific wording in the certificate describing these actions may vary. In Texas, for example, the state offers suggested certificate wording for Notaries but also allows for alternative wording. Some states have stricter requirements. In Florida, every jurat and acknowledgment certificate completed by a Notary, whether from within or outside the state, must contain 9 specific elements and closely follow the form specified in the statute. This gives Florida Notaries some flexibility in completing out-of-state certificates, as long as they include all required elements and the wording aligns with state law examples. In California, Notaries cannot complete jurat or proof of execution certificates from out of state. Instead, they must use a separate certificate with wording that matches the state requirements exactly. However, they can complete an out-of-state acknowledgment certificate as long as the document will be filed outside of California and the wording does not require the Notary to make determinations not permitted by law. If you have any queries about your state's requirements, contact your state Notary agency or the NNA Hotline. Quick Tips For Out-Of-State Notary Certificates Tip #1 Identify the type of notarization required by the out-of-state certificate. If you are unfamiliar with the style and wording of the certificate, look for keywords and phrases that indicate the type of notarization needed, such as "acknowledged," "subscribed and sworn to," or "signed and sworn to." Tip #2 Verify the venue on the out-of-state Notary certificate. The "venue" section on a notarial certificate should always reflect the state and county where the notarization took place, not necessarily where it was prepared or will be filed. If the certificate has a different venue filled in, correct it accordingly. Tip #3 Assess whether the variations in certificate wording are significant. If you are in a state that requires substantial compliance, compare the certificate on the document with the statutory form usually found in your state's Notary handbook. For example, if the statutory form mandates the inclusion of the notarization date but the out-of-state certificate does not, it may not be compliant. If the statutory form reads, "Before me, John Smith, Notary Public..." and the out-of-state wording is similar, such as "Before me, the undersigned Notary Public of said state...," then the certificate is likely acceptable. Tip #4 When uncertain, use a separate certificate. If you are unsure about the out-of-state certificate, it is advisable to err on the side of caution and replace it with your own. However, first confirm with the signer that a separate certificate would be acceptable.

Violating Notary laws can have serious consequences, including jail time, loss of commission, or costly lawsuits. While law enforcement may not always be actively monitoring Notary practices, breaking the rules can lead to fraudulent activities that harm individuals and businesses. In this article, we will discuss four illegal actions that Notaries should avoid, the reasons behind these prohibitions, and the potential penalties. Illegal Notary Act 1: Providing False Information on a Notary Certificate What does this entail? Sometimes, individuals request Notaries to falsify information on certificates to expedite document processing. This includes backdating or altering details to meet deadlines. Never engage in such practices! Why is this illegal? Notarizations are relied upon for document integrity; falsifying certificates can enable fraud. What are the consequences? Knowingly falsifying a Notary certificate is a punishable offense in every state, with penalties varying from misdemeanors to hefty fines. Illegal Notary Act 2: Not Requiring Personal Appearance for Notarization What does this involve? Notarizing a signature without the signer's personal presence is a common illegal act that can lead to identity fraud and other crimes. Why is this illegal? Personal appearance is crucial for verifying the signer's identity and willingness to sign documents. What are the consequences? Failure to require personal appearance can lead to civil infractions or even misdemeanor charges in some states. Illegal Notary Act 3: Allowing Unauthorized Use of Your Notary Seal What does this mean? Only the commissioned Notary is permitted to use the official seal for notarizations. Why is this illegal? Unauthorized use of the seal can lead to fraudulent activities, putting the Notary at risk of penalties. What are the consequences? Penalties for allowing others to use your seal range from misdemeanors to civil penalties, depending on the state. Illegal Notary Act 4: Overcharging for Notary Services What does this mean? Charging fees above the state's limits or for unauthorized services is prohibited. Why is this illegal? State laws regulate Notary fees to protect customers from unfair pricing practices. What are the consequences? Violating fee regulations can result in severe penalties, including commission suspension or revocation, in addition to civil or criminal liabilities. David Thun is the Editorial Manager at the National Notary.

To enhance your understanding of Notary standards of practice, the NNA presents a real-life Notary case scenario and poses the question: What course of action would you take? A couple, the husband and wife, reach out to you seeking notarization of their signatures for a condominium purchase. During the meeting, when they request notarization of the wife's signature, she apologizes for not having her official ID but presents a photocopy as an alternative form of identification. Upon inspecting the photocopy, you observe that the identification details are from 30 years ago and have expired. Furthermore, the signer appears significantly younger than the date of birth indicated on the ID copy, adding to the confusion. The signers acknowledge the poor quality of the ID photocopy and explain that the outdated information is the reason for the difference in appearance. They inquire whether you would proceed with the notarization despite these circumstances, emphasizing the importance of the purchase to them. What action would you take? Do you consider the photocopy sufficient as proof of identity, and is the signer's explanation regarding the outdated copy plausible? Or do the inconsistencies raise concerns? How would you manage this scenario? Would you proceed with the notarization, decline it, or opt for another approach? Feel free to share your responses in the comments below. Your input may be featured in next week's Bulletin article, where we will provide the recommended response to this notarial dilemma.

Being a co-owner of a nationwide signing service, I successfully transitioned from a full-time truck driver to a Signing Agent business. I want to reassure you that even if you are new to the field, you can still secure work opportunities! Our company frequently assigns tasks to new Notary Signing Agents. Companies do not only consider experience when looking for candidates. If you can demonstrate professionalism, proper training, and trustworthiness, you can still receive assignments despite being a novice. The key is to effectively communicate these qualities to the companies you wish to collaborate with. Here is how you can do it: Engage with clients through phone calls or face-to-face meetings. Self-marketing is crucial for any business endeavor. The Notary Signing Agent/mobile Notary profession relies on building relationships, and nothing establishes relationships better and quicker than direct communication with potential clients. When I started as a new Signing Agent, I secured signings by proactively calling a list of 5 to 7 companies daily. I even followed up with the same services multiple times a day. Persistence paid off for me. Many NSAs primarily rely on email communication when seeking work due to its convenience and lack of direct interaction. However, this can be a mistake. While speaking on the phone or meeting in person may seem daunting, it adds a personal touch to your introduction and can significantly impact your success in obtaining assignments. If you are not comfortable with phone calls or face-to-face interactions, consider practicing your introductions with someone to boost your confidence. Look for a local Notary network to join, where you can seek advice and feedback from colleagues. Do not hesitate to explore new strategies or step out of your comfort zone. It can enhance your business marketing skills. Emphasize the value you bring. What does "leading with value" mean? When reaching out to companies, focus on what you can offer them rather than what they can do for you. For instance, instead of asking, "Do you have any signings available for me?" try saying, "I'm reaching out to see how I can assist you and enhance the experience for your customers in need of loan signings." This approach conveys that you are offering value to the company rather than seeking something from them. Also, highlight any additional skills you possess, such as proficiency in other languages or authorization for remote notarizations in your state. Demonstrate professionalism and flexibility. If given the choice between hiring a new NSA who shows dedication to exceptional customer service and an experienced Signing Agent with poor customer interaction, I would opt for the former. When a Signing Agent contacts me, two factors make me more inclined to offer them work, even if they lack extensive experience: Professional dedication. A Signing Agent captures my attention by showcasing a willingness to go above and beyond to deliver excellent service. For example, stating, "Although I am new to this, I guarantee the quality of my work. If I make an error on a document, rest assured I will promptly rectify it," demonstrates a commitment to top-tier service. Flexibility in availability. If you are starting part-time as an NSA, and your schedule only permits taking assignments during evenings or weekends, that is perfectly fine. Position this as a positive attribute. Inform companies of your availability during these hours, as many service providers struggle to find Signing Agents at short notice during these times. Use this to your advantage. Remember, experience is not the sole determining factor. Even as a novice Signing Agent, presenting yourself in the right manner can help you secure work. Once you land your initial assignments, professionalism and strong work ethics will pave the way for a solid reputation and further success.

1. Am I allowed to notarize the document? The primary concern is to determine if the laws in your state or jurisdiction permit you to carry out the requested action on the document. While most cases involve straightforward acknowledgments or jurats, some situations may be more complex, such as the Form I-9 used for verifying employee eligibility to work in the U.S. The I-9 Form does not require notarization, but the Handbook for Employers mentions that a Notary Public can assist a new employee in completing Section 2 as an "authorized representative." Different states offer specific guidance to Notaries regarding I-9 forms. For instance, in Texas, the Secretary of State's office advises Notaries not to certify or seal I-9 forms but can help in filling them out in a non-Notary capacity. In California, Notaries are prohibited from completing I-9 forms unless registered and bonded as immigration consultants. Furthermore, some companies have instructed Notaries to sign as "Notary Public" under their signature or notarize their own signatures on the form, which is not permissible in any state. There are instances where state Notary regulating officials provide instructions for notarizing unusual documents that may contradict standard practices. For example, the California Secretary of State's 2014 newsletter stated that California Notaries could countersign deer and bear tags for hunters. Notaries are not required to complete a notarial certificate, affix seals, or charge fees for this service but must countersign the tag and record the act in their journals. 2. Is there space for my Notary seal? Certain government documents may require a standard acknowledgment or jurat but provide limited space for affixing a seal impression. For forms like the "TSP-70," used by former federal employees to withdraw funds from a government savings account, there may be insufficient space for the seal. In such cases, the NNA recommends that Notaries with rectangular seals place the seal vertically in the left-hand margin without covering the text. Notaries with circular seals may face challenges if state laws prohibit placing the seal over text or signatures on the document, necessitating a refusal to notarize. 3. Can I use the provided notarial certificate wording? Florida Notaries should decline to notarize Form TSP-70 due to state laws requiring notarial certificates to contain at least nine specific elements. Since Form TSP-70 does not meet these requirements and does not allow for an alternative form, Florida Notaries cannot proceed with the notarization. 4. What options do I have if notarization is not permitted by law? If a government agency's requirements conflict with state laws, Notaries should inquire if an alternative method is acceptable. For example, a medical license form from Ohio may request the Notary seal over a photograph, which could pose challenges. In such cases, Notaries can try alternative approaches, such as affixing the seal near the signature, placing a partial seal over the photo, or attaching a certificate form with space for a clear seal impression, subject to approval by the receiving agency.

Whom should I inform when I decide to resign? When you choose to resign, you should inform the commissioning agency in your state, usually the Secretary of State. The notification should be in writing and sent via certified, return receipt, U.S. mail. Some states may allow or require the resignation to be submitted through an online portal established for managing Notary commissions. In California , Notaries Public must inform the Secretary of State in writing of their intention to resign. In Florida , a Notary Public wishing to resign must send a signed letter of resignation to the Governor and include their certificate of commission. If they do not have the certificate, the Notary must state in the letter that they do not possess the certificate of commission. What should I do with my Notary seal? Most states, such as Illinois , require you to make your Notary seal inoperable. For a rubber-stamp seal, a pen knife or another small-bladed knife can be used to cut up the rubberized part of the seal, causing the stamp's impression to be distorted. For seal embossers, simply put a few drops of instant super glue on the molded part and close it. Due to the glue, it will remain shut, and even if it's pried open, the molded part will be distorted, and no clear embossment can be created. Some states, like North Carolina , mandate that Notary seals be returned directly to the Secretary of State for destruction. What should I do with my Notary journals? Requirements differ from state to state. In Arizona , Notaries must deliver their seals and any journals containing public records to the Secretary of State within three months. California and Texas require a Notary Public to deposit their journals with the county clerk's office where the Notary's oath and bond are on file. Illinois Notaries must keep their journals for five years after the end of the Notary's commission. Montana Notaries who resign their commissions must retain the journals for 10 years after the last entry or opt to leave them with an approved repository. The Secretary of State has a form that must be signed by the Notary and the proposed custodian and approved by the Secretary of State before the journals can be transferred to another repository. In Pennsylvania , resigning Notaries deliver their journals to the office of the recorder of deeds in the county where the Notary last had an office within 30 days of the commission resignation date. Be aware of your state's requirements Some state laws do not specify what to do with your Notary supplies upon resignation. In such cases, the recommended best practice is to inform your Notary commissioning authority in writing or adhere to the practice standards of The Notary Public Code of Professional Responsibility for disposing of your seal and retaining your journal. The Code instructs Notaries to destroy all Nota ry seals and store all Notary journals for at least 10 years from the last entry in a journal.

The main objective for fraudsters is to persuade you to bypass the requirement of having the signer physically present or to accept the identification of an impersonator. To achieve this goal, fraudsters employ various tactics. Here are 5 common strategies that will help you identify them when they arise: Fraudsters may urge you to rush Fraudsters may request a favor from you Fraudsters may use charm to manipulate you Fraudsters may appeal to your sympathy Fraudsters may exert pressure by leveraging their authority Strategy 1: Urging you to rush If a signer insists, “I'm in a hurry; I only have 5 minutes,” the aim is to distract you and prompt you to take shortcuts during the notarization process, potentially leading to oversight in verifying identification or obtaining necessary signatures. Strategy 2: Requesting a favor Unfortunately, this favor may come from someone familiar to you. For instance, a Notary was asked by an employee to notarize her parents' signatures on a property deed without their presence. The employee had forged the signatures and secured a loan against the property without the parents' knowledge. Strategy 3: Using charm This tactic involves engaging you in pleasant conversation to lower your guard. The intention is to distract you from scrutinizing a fake ID or questioning an inconsistent story. Strategy 4: Pleading for sympathy One instance involved a woman who fabricated a story about her husband's inability to sign due to wrist surgery. The man present was an impostor, but the Notary, swayed by sympathy, failed to thoroughly verify his ID, resulting in a significant loss. Strategy 5: Pressuring with authority A grand jury report from New York City highlighted cases where Notaries were deceived by individuals holding respected positions like attorneys or police officers. It can be challenging to refuse when the signer is a first responder, military personnel, or another influential figure. Protecting Yourself as a Notary While these tactics may appear straightforward, they are effective. Stay vigilant, follow each step of a proper notarization meticulously, and resist any attempts to rush or omit essential procedures. If someone tries to hurry you or distract you, take your time and ensure every step is completed accurately. Refuse to finalize the notarization until you have double-checked all details. If someone appears hesitant or overly rushed, suggest they return when they have more time. Emphasize that you cannot offer special treatment, regardless of their identity or circumstances. By adhering to these practices, you can safeguard yourself and potential victims from significant trouble.

Many professionals struggle with work-life balance, but solopreneurs face a particularly tough challenge. We interviewed four Notaries to discuss their difficulties in maintaining a healthy work-life balance and the strategies they have employed to overcome them. Finding Priorities Janae Blatch - Florida Academy of Notaries Janae Blatch, a Notary based in South Florida , did not intend to become a full-time business owner. However, when the pandemic hit, she transitioned from a successful career in education to working as a loan signing agent for extra income. Initially part-time, her signing agent work became so successful that she discovered a passion for it. This led her to establish the Florida Academy of Notaries to provide training resources for other Notaries while utilizing her education skills. Despite enjoying her work, Blatch realized that it was encroaching on her family time. During a vacation, her children asked her to stop working and put away her laptop, highlighting that family time should not be compromised for work. After this realization, Blatch reevaluated her priorities and shifted her focus to prioritizing her life rather than striving for a work-life balance. By setting clear priorities and addressing tasks in order of importance, she found it easier to maintain perspective. Janae’s Takeaway Blatch emphasizes the importance of soul-searching to identify priorities, leading to significant workflow changes. She now limits her work hours, abandons the "hustle mindset," and avoids comparing herself to others to stay true to her priorities. The Beauty of Downtime Sue Hope - NotaryAssist Sue Hope, the owner of Notary Assist Software , has been in business since 1999 but continues to learn how to manage work-life balance effectively. Hope stresses the importance of setting office hours to create a clear boundary between work and personal time. By establishing specific work hours and physically leaving her home office at the end of the day, she can separate work from her personal life. Building a network of trusted colleagues has also been instrumental for Hope. This network allows her to take time off confidently, knowing that her clients are in good hands with her partners. Hope highlights the significance of downtime for generating ideas and fostering creativity. She believes that allowing time for relaxation and solitude is essential for maintaining a healthy work-life balance. Sue’s Takeaway Hope advocates for carving out downtime to realign ideas and enhance creativity, emphasizing the importance of relaxation and spending time with oneself or loved ones. Following Her Own Path Vanessa Terry - Notary2Notary Vanessa Terry, the owner of Notary2Notary , acknowledges the challenges of achieving work-life balance, especially while expanding her business. Terry recognizes the need for a personalized approach to work-life balance and refrains from comparing herself to other solopreneurs. By learning to say no and setting clear priorities, she aims to prevent burnout and maintain a healthy balance between work and family. She also emphasizes the importance of freeing up time by delegating tasks and reevaluating social expectations. Terry encourages individuals to find creative solutions that work best for them, rather than conforming to societal norms. Vanessa’s Takeaway Terry advises Notaries to think innovatively and embrace unconventional approaches to life, suggesting that breaking away from traditional norms can lead to significant improvements in work-life balance. The Gift That Keeps on Giving Daniel Lewis - Lewis Notary Services Daniel C. Lewis of Lewis Notary Services desired more family time despite enjoying long workdays as a signing agent. His decision to coach his son's basketball team marked a pivotal moment, demonstrating that work and personal life can be effectively managed with the right priorities. By defining his business goals and creating a structured schedule that includes family time, Lewis found a balance that worked for him. He also formed referral partnerships to enhance his business and free up more time for his family. Through these changes, Lewis discovered the joy of spending quality time with his children and passing on the values of discipline and work-life balance to them. His example has influenced his children to effectively balance their own work and family commitments. Daniel’s Takeaway As a grandfather, Lewis recognizes the lasting impact of his lessons in work-life balance, viewing it as a valuable gift that continues to benefit his family. His experience underscores the importance of prioritizing family time and creating a harmonious balance between work and personal life.

Update 7-8-24. Notaries often ask the NNA if they can notarize signatures when visiting a different state or a foreign country. We’ve prepared this guide to help answer your questions about notarizing in other states or nations. Can I perform notarizations in other states? Most U.S. states and jurisdictions only authorize commissioned Notaries Public or other notarial officers recognized under state law to perform notarial acts within the borders of the commissioning state or jurisdiction. For example, a Notary commissioned in California or  Florida  may perform notarizations anywhere within the commissioning state’s borders, but may not perform a notarization in another state such as  Georgia . There are a handful of states that permit notarizations outside the state, but only under specific conditions or for certain types of documents: Kentucky Notaries may apply to get a Special Commission, which authorizes them to notarize documents inside or outside the state as long as the document will be recorded in Kentucky (KRS 423.110[6]). Special Commission Notaries may be nonresidents. (Also see “Remote Online Notarization” below for additional information.) Montana allows its Notaries to perform notarial acts in a bordering state that recognizes the Notary's authority — currently, only Wyoming and North Dakota do this (MCA 1-5-605[4]). (Also see “Remote Online Notarization” below for additional information.) North Dakota allows its Notaries to perform notarial acts in a state that recognizes the Notary's authority. Currently, only Montana does this (NDCC 44-06.1-09). (Also see “Remote Online Notarization” below for additional information.) Virginia Notaries may notarize a document inside or outside the Commonwealth if the document will be used in the Commonwealth or by the U.S. government (COV 47.1-13[B], 47.1-13.1). (Also see “Remote Online Notarization” below for additional information.) Wyoming allows its Notaries to perform notarial acts in a bordering state that recognizes the Notary's authority — currently only Montana does this (WS 32-3-104[b]). (Also see “Remote Notarization” below for additional information.) Can a Notary commission be transferred? Many Notaries have asked, “If I move to another state, can I transfer my current Notary commission to my new state?” The answer generally is “no” — Notary commissions are not transferable between states. If you are relocating to another state, you need to resign your current commission and apply for a Notary commission in your new state. However, in some jurisdictions, it is possible to hold more than one Notary commission if you live in one state and work in another that allows nonresidents to hold a Notary commission (see “Can a Notary hold commissions in multiple states?”  below).  Can I travel to another country to notarize? Certain individuals may hold special commissions from the federal government to notarize overseas. Some serving U.S. military personnel are authorized to notarize for military members and their families on U.S. bases in other countries. With the exceptions of the special commissions and situations listed above, Notaries commissioned by a U.S. state are not able to use their Notary commission when physically located overseas. Also, officers of the foreign service of the United States and consular agents at U.S. embassies and consulates are authorized under federal law to notarize documents abroad. However, these specialized commissions are not available to Notaries commissioned by U.S. states and jurisdictions. Remote Online Notarization (RON) Currently, more than 40 states have enacted permanent statutes authorizing qualified Notaries to perform remote online notarizations (RON) . These acts permit the Notary to interact with the signer remotely using audiovisual technology over the internet instead of appearing in person before the Notary. Many states that authorize RON permit remote notarizing for signers located in a different state or country than the Notary. However, when performing a RON, the Notary must always be physically present in the commissioning state during the notarization. Can a Notary hold commissions in multiple states? Some jurisdictions allow individuals to apply for a Notary commission in more than one state. In New York , nonresidents may apply for a New York Notary commission, provided they have an office or place of business in New York State. For example, a New Jersey resident who has an office in New York could hold a New Jersey Notary commission and a New York Notary commission, authorizing the person to notarize in both states. If you wish to obtain a Notary commission in another state, always check the laws of the state you reside in as well as the state you wish to be commissioned in to make sure it is permissible in both jurisdictions and you meet all eligibility requirements.

What is the purpose of the USA PATRIOT Act CIP Form? Signed into law in 2001 in the wake of the 9/11 terror attacks, the U.S. PATRIOT (Providing Appropriate Tools Required to Intercept and Obstruct Terrorism) Act established measures to prevent, detect and prosecute persons engaging in money laundering and terrorism. In 2003, regulations to implement Section 326 of the Act required all financial institutions to establish a Customer Identification Program (CIP) for identifying all new account holders. This requires banks and other lending institutions to have a written procedure in place to establish the identity of customers, including home loan borrowers. Because Notary Signing Agents must already positively identify borrowers during a loan document signing to execute acknowledgments on a mortgage or deed of trust, Signing Agents are often asked to complete a USA PATRIOT Act CIP form to certify the NSA properly identified the borrower at the signing appointment. Completing this form helps financial institutions, including the nation’s mortgage lenders, to fulfill their PATRIOT ACT regulatory obligations. Are there other terms for a USA PATRIOT Act CIP Form? Yes. It may be included in a loan package under other names, such as “Verification of Customer Identity,” “PATRIOT Act Information Form,” or “PATRIOT Act Disclosure — Borrower Identification,” among others. What types of loan document packages include a USA PATRIOT Act CIP Form? These forms have been regularly included in various types of loan packages since 2003. Does a USA PATRIOT Act CIP form require notarization? No, it does not. However, because a Notary Signing Agent is present at the loan signing involving a lender’s loan, the NSA represents the lender in obtaining the information required in the form. What information is required to complete a typical PATRIOT Act form? Typically the Signing Agent will be asked to complete the following information on the form: The name of the borrower(s), along with other information such as the borrower’s date of birth, Social Security number or tax ID number. Information about any identification documents used to verify the borrower’s identity, such as the type of ID, the ID identification number, and the date of issuance and expiration for the ID. Some forms may also ask the NSA to include the state or organization that issued the ID.