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Electronic and Remote Online Notarization Flashcards

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  1. What is 'knowledge-based authentication' (KBA) in the context of Massachusetts RON?

    Answer: A quiz of dynamic personal questions drawn from public records that only the true identity holder should be able to answer

    KBA is an identity verification method where the signer answers multiple-choice questions based on their personal history derived from public records databases.

  2. What happens if a signer fails the knowledge-based authentication during a Massachusetts RON attempt?

    Answer: The notary must decline the RON and the signer may need to appear in person

    If a signer fails KBA, identity cannot be sufficiently established for RON purposes, and the notary must decline to proceed remotely.

  3. Under Massachusetts RON law, must the notary be physically located in Massachusetts during the remote notarization?

    Answer: Yes, the notary must be physically located in Massachusetts at the time of the RON

    A Massachusetts notary performing RON must be physically located within Massachusetts at the time of the notarial act, as their authority derives from their Massachusetts commission.

  4. What is 'credential analysis' in Massachusetts RON identity verification?

    Answer: Technology-based inspection of a government-issued ID to verify its authenticity and match it to the signer

    Credential analysis uses technology to examine the signer's government-issued ID for authenticity markers and compare the ID photo to the signer's live image.

  5. Can a Massachusetts RON notarization be challenged if the audio-visual recording is unavailable?

    Answer: Yes, the inability to produce the required recording could undermine the notarization's legal validity

    The recording is a legal requirement of RON; its absence could create challenges to the notarization's validity and expose the notary to liability.

  6. Under Massachusetts RON law, can a notary use personal appearance in the same session as RON?

    Answer: Yes, some platforms allow hybrid sessions where some signers appear in person and others appear remotely

    Some RON platforms and transaction structures allow hybrid closings where certain participants are physically present while others appear remotely.