The inter-agency guidelines implementing the Gramm-Leach-Bliley Act (GLBA) require that any individual that handles loan docs be background screened. I am background-screened by both the California Secretary of State (required for all California notaries, and by the way, they use the FBI to conduct their backgrounds). This background check takes place for the first notary commission and for each renewal every four years. In addition, I pay for and am screened by a third-party company (BackgroundsOnline) every year as part of my commitment to being as secure a signing agent as possible. This background check is conducted via the National Notary Association, of whom I am a member.
Also note that federal law requires NSAs to best comply with federal requirements by:
- Receiving sealed loan doc packages directly from the lender/escrow company (whether emailed, handed in person, or retrieved via docs repository)
- Keeping loan docs secure; no one else sees them
- Protecting his/her notary journal
- Using a drop box (or shipped via overnight carrier) to return signed, sealed docs immediately
- Disposing of digital files on the NSAs computer upon payment from the client
My Pledge of Ethical Practice
I am not an attorney and therefore, by law, I cannot explain or interpret the contents of any document for you, instruct you on how to complete a document, or direct you on the advisability of signing a particular document. By doing so I would be engaging in the ‘unauthorized practice of law’ and could face legal penalties that include the possibility of paying fines, and being sentenced to jail time. Any important questions about your document should be addressed to the issuing/receiving agency, or an attorney.