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Remote Online Notarization Flashcards

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  1. In the context of Remote Online Notarization, what is knowledge-based authentication (KBA)?

    Answer: A dynamic questionnaire using public records data to verify the signer's identity

    KBA is a dynamic questionnaire based on the signer's personal history and public records, designed to verify identity remotely by asking questions only the true person could answer.

  2. What is credential analysis in the context of Remote Online Notarization?

    Answer: Automated or manual examination of the signer's government-issued ID for authenticity

    Credential analysis involves examining the signer's government-issued photo ID to verify its authenticity and confirm the signer's identity.

  3. Must a Maryland notary maintain a journal entry for Remote Online Notarization transactions?

    Answer: Yes, a journal entry is required for every RON notarial act

    Maryland law requires notaries to maintain a journal of all notarial acts, and this requirement applies to remote online notarizations as well.

  4. Which Maryland office has oversight authority over Remote Online Notarization regulations and platform compliance?

    Answer: Maryland Office of the Secretary of State

    The Maryland Office of the Secretary of State oversees notary commissions and the regulations governing RON platform compliance in the state.

  5. What is the minimum requirement for audio-visual technology used in Maryland Remote Online Notarization?

    Answer: It must enable real-time two-way audio and video communication

    The audio-visual technology for RON must enable real-time, two-way communication so the notary and signer can simultaneously see and hear each other.

  6. What distinguishes Remote Online Notarization (RON) from In-Person Electronic Notarization (IPEN)?

    Answer: In RON the signer is not physically present with the notary; in IPEN they are

    The key distinction is physical presence — in RON the signer appears remotely via audio-visual technology, while in IPEN the signer is physically present with the notary but uses electronic documents.

  7. For how long must records of a Remote Online Notarization, including audio-visual recordings, be retained under Maryland law?

    Answer: 10 years

    Maryland law requires that electronic records and audio-visual recordings of RON sessions be retained for 10 years to preserve a complete record of the notarial act.