Notarial Procedures Flashcards
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Read the first 7 Notarial Procedures flashcards as text
The Closing Disclosure (CD) must be provided to the borrower at least how many business days before loan consummation?
Answer: 3 business days
Under TRID rules (RESPA/TILA), the Closing Disclosure must be delivered at least 3 business days before closing.
When a notary performs a copy certification, they are certifying that:
Answer: The copy is a true and accurate reproduction of the original document
A copy certification attests that a photocopy is an accurate reproduction of an original document the notary has personally compared.
If a borrower refuses to sign the Notice of Right to Cancel, the notary should:
Answer: Note the refusal in the journal, do not notarize, and report to the signing company
The notary should document the refusal, decline to notarize, and report the situation to the hiring company — never pressure or sign for a signer.
Which act describes the notary's responsibility to verify the identity of all parties signing a loan document?
Answer: USA PATRIOT Act
The USA PATRIOT Act imposes identity verification requirements to prevent money laundering and fraud in financial transactions, affecting notarial practices.
A notary seal impression that is smudged and illegible should be:
Answer: Corrected by placing a new impression nearby on the same document
If the initial seal impression is unreadable, the notary should apply a clear, legible impression in a nearby space on the same document.
Which type of notarial act is most commonly required for a Deed of Trust or Mortgage in a real estate closing?
Answer: Acknowledgment
An acknowledgment is the most common notarial act for real estate documents, where the signer confirms voluntary execution of the instrument.
What should a notary do if the signer's name on the document differs slightly from the name on the ID (e.g., 'Robert' vs. 'Bob')?
Answer: Notarize using the name as printed on the document only
The notary should notarize using the name as it appears in the document, provided identity is sufficiently established, noting any discrepancy in the journal.