Practice Test Geeks(NSA) Notary Signing Agent Certification Practice Test
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Legal & Ethical Standards Flashcards

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Read the first 7 Legal & Ethical Standards flashcards as text

  1. Which of the following best describes 'notarial misconduct'?

    Answer: A notary's willful failure to comply with notarization laws or performing a notarial act with dishonesty

    Notarial misconduct involves intentional or reckless violations of notarial law, such as false certificates or failure to require personal appearance.

  2. An NSA who witnesses a borrower being coerced into signing should:

    Answer: Refuse to complete the notarization and report the situation to appropriate authorities

    A notarial acknowledgment certifies the signer acted voluntarily; proceeding with a coerced signing makes the NSA complicit in fraud.

  3. Under federal anti-money-laundering requirements, an NSA who suspects a closing involves proceeds of criminal activity should:

    Answer: Decline to participate and, where required, file a Suspicious Activity Report (SAR)

    Certain financial service providers are required by the Bank Secrecy Act to file SARs for suspicious transactions and must not 'tip off' the subject.

  4. A notary seal or stamp is considered which of the following?

    Answer: An official tool of the state whose unauthorized use can result in criminal charges

    A notary seal is an official state instrument; using it after commission expiration or by an unauthorized person is a criminal offense in most states.

  5. An NSA completes a signing and later learns the loan was part of a mortgage fraud scheme. The NSA cooperated with investigators from the start. The NSA is most likely to:

    Answer: Face reduced or no liability if they acted in good faith and complied with all notarial requirements

    NSAs who properly verified identity, obtained genuine signatures, and cooperated with authorities are generally protected from liability for fraud they did not knowingly facilitate.

  6. Which document gives borrowers the federally required itemization of loan closing costs at least three business days before closing?

    Answer: The Closing Disclosure (CD)

    Under TRID (TILA-RESPA Integrated Disclosure), lenders must provide the Closing Disclosure at least three business days before consummation.

  7. An NSA who loses their notarial journal must:

    Answer: Report the loss to the state commissioning authority as required by state law

    Most states require notaries to report a lost or stolen journal to the commissioning authority to prevent fraudulent use of official records.