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January 17, 2017

Notary vs. Signing Agent

Filed under: Popular on Linked In,Popular on Twitter,Technical & Legal — Tags: , — admin @ 12:21 am

We write about this topic every so often. It is so basic and so critical that all new Notaries should understand. Every year, hundreds of thousands of Americans become Notaries. As Notaries they can perform tasks such as Acknowledging signatures, performing Jurats, administering Oaths, and other tasks which might be state specific. Notaries can hold their heads up high as their function is to identify signers, keep good records (in most states at least) and deter or prevent fraud. But, that is only if they are doing their job correctly — and most states do not vet their Notaries well enough to know the difference.

What is a Notary?
(1) A Notary Public is a state appointed official that is authorized to perform particular Notary functions. All states allow Notaries to perform Acknowledgments, Jurats, and Oaths, while some states allow Notaries to act as an official witness, safety box opener, proof of execution, protests, take Depositions, and more.

(2) A Notary receives a formal certificate of commission from their state, and a commission number.

(3) Many states require a Notary to have an official notary seal that has the Notary’s name, commission number, expiration date, state andcounty.

(4) Many states require the Notary to keep a bound and sequential official journal of notarial acts.

To be short, a Notary can perform certain basic Notary functions that their state allows them to function. Their state offers them a formal certificate of commission, and normally allows them to get one or two official Notary seals with their name, commission number, expiration date, city and state, etc. Notaries use prescribed state specific wording for particular Notary acts and that wording can be used on loose certificates that they can purchase from businesses who sell Notary supplies. A Notary is a public official, although most Notaries don’t understand that on an emotional level. They are appointed by their state as an official who will uphold (or at least are supposed to) the laws of their state at all costs.

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December 21, 2016

DOJ — and the risks of unsupervised notaries public.

On Feb 9, 2012, the Department of Justice released some settlement terms for some of America’s largest lenders regarding the mandate of proper training and supervision of notaries. In October, the Consumer Financial Protection Bureau released their Examination Manual which included requirements for the proper and correct execution of notarized documents.

There are risks to hiring uneducated and unsupervised notaries. Many do not know how to give Oaths, or properly fill out Acknowledgment or Jurat Certificates. Companies are exposed to losses should their notaries make serious mistakes. If you hire notaries, you should make sure you find a way to test them on basic notary procedures and inspect the forms that they fill out. Additionally, you should ask them all about what types of identification is acceptable and how to fill in journal entries. More than half of commissioned notary publics really don’t know what they are doing.

February 9, 2012, the U.S. Department of Justice released settlement terms for some of the nation’s largest financial institutions; including the mandate of proper training and supervision of notaries public. October 2012, the Consumer Financial Protection Bureau released their Examination Manual which includes requirements for proper execution of notarized documents.

For years, educators and advocates of notaries public have warned employers of the risks associated with uneducated and unsupervised notaries public. Employers of notaries public can no longer ignore the risk to which these vital employees expose our institutions and companies. This live audio conference outlines the critical protections your company should put in place to protect your reputation and financial assets, above any statutory or regulatory responsibility to do so. In addition to the relevant settlement released in February 2012, precedent setting case law demonstrates the need for employers of notaries public to take a closer look at their notary education standards, management program, and disciplinary actions to protect their company and business transactions from losses that result from unrelated or from their own uneducated notaries public. Considering that the majority of the commissioning agencies of notaries public do not require any education of your notary-employees; your company is exposed to losses as a result of their errant processes.

After completing this live audio conference, you will understand basic notarial responsibilities, identify specific actions of notary-employees that expose your company to risk, and be able to implement a management and supervisory program that includes basic notarial education and performance expectations for all notary-employees.

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November 30, 2016

Notary Acknowledgment Wording

If you are a Notary, or want to get something Notarized, you will have to deal with Notary wording and perhaps Notary Acknowledgment Wording. There are various types of Notary acts, and Acknowledgments are the most common with Jurats in second place. The process of getting something notarized normally involves the signer personally appearing before a Notary Public, showing ID, signing a journal, etc. The Notary needs to fill in the notary wording on the certificate and then sign and stamp the paperwork. Here are some facts about Acknowledgments.

(1) Certificates
The instrument that contains Notary Acknowledgment wording is called a “Certificate.” A certificate can be a separate piece of paper that is added by staple to a legal document. Or, the certificate wording could be embedded in the document below the signature section. In either case, the Notary certificate must contain notary verbiage specific to the state requirements where the notarization is taking place. The format of the certificate typically includes a venue, body of the acknowledgment and then a signature area at the bottom. There is often an additional or optional information section as well. The Notary’s seal must be affixed near the signature section of the certificate whether it is a loose certificate or boiler plate wording embedded in the actual document.

(2) State Specific Wording
If the notarization is being recorded in one state, but being notarized in another, then the Notary Acknowledgment wording must be substantially similar to the approved and required state wording where the document is being recorded. Notary Acknowledgment Wording differs from state to state. You can Google your state’s Notary wording if you like, or visit our find a notary page for more detailed information.

(3) Jurats
Please also keep in mind that some people call all Notary forms a “Jurat” while a real Jurat is substantially different from an Acknowledgment as it contains an Oath (by definition) and requires signing in the presence of a Notary. State rules for Jurats also differ from state to state, so you need to find out what the rules are in the state that you are being Notarized in are.

(4) Sections in an Acknowledgment

(a) Venue (State of Nevada; County of Clark)
(b) The words, “Appeared before me”
(c) The date (i.e. 08-04, 2012)
(d) That the signer acknowledges signing the instrument that their name is subscribed to within
(e) Name of the signer and the notary.
(f) Proof of identity of the signer
(g) Signature (seal) of the notary
(h) A place for the notary to affix their official notary seal.

(5) Optional Information
There is also an additional information section on Acknowledgments where you can indicate the number of pages in the document, the document name, and other identifying factors. To deter fraud, it is a prudent habit to fill out as much additional information as possible and even get a thumbprint on the certificate as well as in the journal.

(6) Sample Acknowledgment Wording

State of California
County of Los Angeles

On 5-15-2011 before me, John Doe, notary public, personally appear Joe Barber who proved to me on the basis of satisfactory evidence to be the person whose name is subscribed to the within instrument and who acknowledged to me that he executed the same in his authorized capacity and by his signature(s) on the instrument the person, or entity upon behalf of which the person acted, executed the instrument.

I certify under PENALTY of PERJURY under the laws of the state of California that the foregoing paragraph is true and correct.

WITNESS my hand and official seal

—————————————— (affix stamp here)
(Signature of Notary)

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October 8, 2016

Where can I find a Notary to sign adoption paperwork?

Where do I find a Notary to sign adoption papers?
If you need a Notary for adoption papers, any commissioned Notary Public in your state will do. 123notary is a huge Notary directory with roughly 7000 Notaries who are ready and able to help you sign any type of documents. Just make sure that the name on your ID matches the name on the document. The name on the ID can be matching, but longer than the name on the document, but not shorter than the name on the document.

Visit our advanced search page to find a notary in your area. We also have bilingual notaries and a bilingual search function. And if you like the Notary enough, you can offer to adopt a Notary as well!

Where can I find a Notary for adoption paperwork at night?
123notary has many Notaries who offer late night service. They will have a 24 or owl symbol next to their name.

How much does it cost for an adoption Notary signing?
You need to contact individual Notaries to find out how much they charge. Notaries on 123notary normally charge a travel fee and then a fee by the signature for each signature Notarized.

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October 1, 2016

How do I do a Signature by X notarization?

How do I do a Signature by X?
How do I do a Signature by Mark?

Signature by X is a relatively simple proceedure normally used for elderly people who are too frail to sign their entire name and who can barely hold a pen. Signature by X requires the use of two subscribing witnesses. The function of a subscribing witness is first to witness the signature of the principle and second, to sign the person’s name next to their X.

Subscribing witness #1 must sign the person’s first name and middle initial (if any) to the left of the X in the Notary journal and on the document.

Subscribing witness #2 must sign the person’s surname to the right of the X on the document and in the Notary journal.

It is also prudent to indicate on the document who the subscribing witnesses are, and perhaps even their driver license information just in case they need to be identified after the signing for any legal reason.

Signature by X is also known as Signature by Mark (which would be a great name for a Notary business if your name was Mark.) If your name is Malcolm X, you also might find the signature by X might be the only way to get yourself notarized. Additionally, if you sign by the x with an X, there might be too many x’s. Just make sure there aren’t three x’s in a row otherwise that would be pornographic.

How much should a Notary charge for a Signature by Mark?
A Notary could charge for the signature of the principle and also might charge an extra fee for the witnesses, although you would have to query your state laws on charging for witnesses, especially if an Oath is involved. To learn more about Signature by Mark, you can get a Notary Law Manual for your state from the NNA or look up the Notary laws on your state notary division’s website!

Find a Notary on 123notary.com to do your Signature by X Notarization!

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September 15, 2016

One signing — two venues?

Filed under: Technical & Legal — Tags: , — admin @ 11:27 am

It happened many years ago. I had to do a split signing, but not for a split level building thank God. The husband was in Orange County, but the wife was in Ventura. Some marriage they must have had — but, I couldn’t say anything because — I’m just the Notary!

I couldn’t figure out what to put in the venue though. The signing was happening all on the same day, so technically, I could use one Acknowledgment. The signing company insisted that I only use one Notary Acknowledgment for both signers even though the law allows for the use of one per person. Legally, it is cleaner, but not necessarily more legal to do the signing using two separate acknowledgments since each signer was in a different county. But, the signing company recommended something completely different.

Put two counties in the venue? What? Yes, this is exactly what the signing company asked me to do after talking to one of their Notary experts on their panel of in-house specialists. I was to put:

State of California
County of Ventura & Orange

The surprising thing is that the county clerk didn’t complain about this. Lucky me. They could have thrown the whole signing back in our face on a whim but they didn’t. Perhaps because my seal was not smudgy. But, this will be a great story to tell my grandchildren if I ever have any. But, you can’t have grandchildren if you don’t have children and you can’t have (legitimate) children without a wife. Boy, I’ve got to get myself a girlfriend and fast!

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September 11, 2016

How do I get a foreign language document notarized?

How do I get an international document notarized?
How do I get a foreign language document notarized?

This is a tricky point in Notary law. The answer is that it depends on what state you are living in. California requires the Notary to be able to communicate directly with the signer which means you need to know the same language well enough to communicate. However, California doesn’t require the Notary to understand the document. Other states might require the Notary to understand the entire document.

The Main Function is to Identify the Signer
The main function of a Notary Public is not to understand the document, but make sure the intended signer is mentioned in the document and is the person actually signing the document. The Notary uses identification documents to identify the signer. Normally a drivers license or passport is used to identify the signer.

Find Out Your State’s Rules
Most states allow notarizing foreign language documents if the Notary doesn’t know the particular foreign language. To find out your state’s rules for whether or not the Notary has to understand the document, you can visit your state’s notary division’s website. Many state notary websites omit critical information about many Notary procedures. So, if your state doesn’t specifically say that you can’t notarize a foreign language document, then it is up to your interpretation. However, the certificate for the notarization (which could be a loose form stapled to the document) must be in English and using wording identical or similar in content to your state’s official notary wording.

Direct Communication with the Signer
Some states allow the use of interpreters during a notarization for the Notary to communicate with the signer. It is not safe to do this as the interpreter could make a mistake or deliberately mislead the signer which could lead to trouble down the road. Even if your state doesn’t require direct communication with the signer, I recommended just to be on the safe side.

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August 28, 2016

July 12, 2016

Subscribing Witnesses Explained

There are TWO types of subscribing witnesses.

1. The person who appears before a Notary on behalf of someone being notarized with a Proof of Execution is called a subscribing witness or executing witness. The actual signer cannot appear before a Notary Public, so a witness is used to sign on the principal’s behalf and swear. The basic idea is that the subscribing witness witnessed the principal sign the document.

2. A person who witnesses a disabled person who is signing by X in a document is also called a subscribing witness.

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As a Notary Public, you may come into a situation where the signer is not able to sign. Most Notaries are not trained in how to handle such situations. If you do hospital notarizations you will deal with this situation a lot. Some signers cannot move their arms properly. Others cannot sign their name. If you can get them to sign an X in your journal and an X in the signature section of the document with two subscribing witnesses watching. You are in luck.

You need to have the subscribing witnesses sign your journal and input their drivers license info as well. Additionally, the subscribing witnesses sign the first and last name of the signer on the document which sounds like forgery, but many states allow this. Check your state notary handbook to see if this procedure is legal in your state.

Signature by X from A to Z
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Subscribing Witness Glossary Definition
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What is Signature by X or Signature by Mark
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Types of witnesses in the notary profession
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March 16, 2016

Can you send a loose acknowledgment? You should hear the answers

I asked a Notary the following questions.

Can you send a loose Acknowledgement if the Grant Deed you already Notarized and send it had a smudgy seal?

The Notary said, that yes you could. You just attach it to the Grant Deed.
I replied back that if you attach the certificate to the Grant Deed, that it would no longer be loose. It is kind of like asking if a virgin can be sent in the mail and you say — yes, she just has relations with Tim and then you can send her. If the virgin had relations with Tim she would no longer be a virgin just like the Acknowledgment Certificate on the Grant Deed would no longer be loose if it were attached to the Grant Deed. On a brighter note, if Tim were the only lady that the “virgin” had relations with, at least she would not be considered to be “loose” like the acknowledgment whose final words were, “Baby, I’ll attach myself to any document… anywhere… any time…”

Legal or not?
Many Notaries feel that it is fine to send a loose Acknowledgment in the mail. This is actually not legal in most states. Acknowledgments should be attached by a stable to the document they are associated with. If the stamp was smudgy on the initial acknowledgment, some states might allow you to destroy the original acknowledgment and add another non-smudgy one in its place. But, no state will allow there to be two acknowledgments for one Notarization floating around. That is just plain crazy.

California?
California wants Notaries to completely re-do smudgy signings. You would have to go back and visit the signer all over again, get a new signed journal entry, and do the Notarization as if you were doing it for the first time if God forbid — there was a smudge.

Summary
The way to handle Acknowledgments with smudges varies from place to place. But, you need to know what the law says so you don’t do something stupid. Most Notaries that I talked to do not have a thorough understanding of the law about this topic.

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