Online Notarization: Signing and Closing No Matter Where You Are

Part of what’s often termed an online eClosing, remote online notarization offers the utmost in convenience. Not only are documents signed and notarized electronically, but all parties can participate from the location of their choosing.

The following states currently allow online notary (remote) closings: 

STATEIs Online (Remote) Permitted?
AlabamaYes, as long as: (A) the county accepts the instrument for recording; (B) the Notary places his or her seal in a proper statutorily authorized acknowledgement form; and, (C) the instrument is recorded utilizing eRecording. Also, the following applies:
1. If the Signer is located in Alabama and eSigns in presence of a Notary, the Notary must be an Alabama commissioned notary, and via an approved video or webcam conference technology. The notarization and acknowledgement provisions of the Uniform Electronic Signature Act were included when Alabama adopted the act. Further, the statutorily prescribed acknowledgement forms do not require personal appearance, but they do require that the signatory be known to the notary, which is accomplished through photo identification processes. 2. (A) If the Signer is located in another state (within U.S.) and eSigns in the presence of Notary commissioned in another state and is physically located in the state where he/she is commissioned when he/she notarizes the signature via an approved video or webcam conference technology. Yes, as long as: (i) the county accepts the instrument for recording; (ii) the Notary places his or her seal in a proper statutorily authorized acknowledgement form for the state in which the Signer is located when the document is executed; (iii) the instrument is recorded utilizing eRecording; (iv) remote online notarization is authorized in the state in which the signor executed the document; and, (v) the Notary is authorized to acknowledge instruments in the state in which the document eClosing State (Online) Notary- Is online notary permitted? Effective Date: April 30, 2019. is being executed. (B) is not physically located in the state where notaris licensed when notarizes the signature via an approved video or webcam conference technology. Yes, as long as: i) the county accepts the instrument for recording; (ii) the Notary places his or her seal in a proper statutorily authorized acknowledgement form for the state in which the Signer is located when the document is executed; (iii) the instrument is recorded utilizing eRecording; (iv) remote online notarization is authorized in the state in which the signor executed the document; and, (v) the Notary is an authorized to acknowledge instruments in the state in which the document is being executed. Alabama does recognize the validity of acknowledgements for documents executed outside of AL under the laws of, and using the form of acknowledgements for, the state in which the document is executed. Remote online notarization is only permitted and limited to purchase transactions where there is no financing. Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.
AlaskaNo.
Arizona

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction. Secretary of State will promulgate rules for Arizona licensed notaries to meet the effective implementation date of 01/01/2020.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries

ArkansasNo.
CaliforniaNo.
ColoradoNo. Secretary-of-state (SOS) study pending.
ConnecticutNo.
DelawareNo.
District of Columbia No SOS guidance. See Bulletin 15-IB-8-10/23. STG state UW must approve the use of eNotarization or online (remote) notarization.
FloridaNo.
GeorgiaNo.
HawaiiNo.
IdahoNo SOS guidance. Not available at this time.
IlinoisYes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries
Indiana

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction. Secretary of State will promulgate rules for Indiana licensed notaries to meet the effective implementation date of 07/01/2019.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

Iowa

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction. Secretary of State will promulgate rules for Iowa licensed notaries to meet the effective implementation date of 07/01/2020.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

KansasNo.
Kentucky

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction. Secretary of State will promulgate rules for Kentucky licensed notaries to meet the effective implementation date of 01/01/2020.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

LouisianaNo. Study pending.
MaineNo SOS guidance. Not available at this time.
Maryland

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction. Secretary of State will promulgate rules for Maryland licensed notaries to meet the effective implementation date of 10/01/2020.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

MassachusettsNo.
MichiganNo. Legislation was passed, awaiting rules to be promulgated. Expect implementation in 2019.
Minnesota

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction. Secretary of State will promulgate rules for Minnesota licensed notaries to meet the effective implementation date of 07/01/2020.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

MississippiNo.
Missouri

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

Montana

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

NebraskaNo. Bill pending.
Nevada

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction. Offices must apply for eNotary certification and follow rules promulgated by the Secretary of State.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

New HampshireNo.
New JerseyNo.
New MexicoNo.
New YorkNo.
North CarolinaNo.
North Dakota

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction. Secretary of State will promulgate rules for North Dakota licensed notaries to meet the effective implementation date of 09/01/2019.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

Ohio

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction. Secretary of State will promulgate rules for Ohio licensed notaries to meet the effective implementation date of 01/01/2020.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

Oklahoma

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction. Secretary of State will promulgate rules for Oklahoma licensed notaries to meet the effective implementation date of 01/01/2020.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

OregonNo.
PennsylvaniaNo.
Rhode IslandNo SOS guidance. Not available at this time.
South CarolinaNo.
South Dakota

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction. Secretary of State will promulgate rules for South Dakota licensed notaries to meet the effective implementation date of 07/01/2019.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

Tennessee

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction. Secretary of State will promulgate rules for Tennessee licensed notaries to meet the effective implementation date of 07/01/2019.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

Texas

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction. Offices must apply for eNotary certification and follow rules promulgated by the Secretary of State.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

Utah

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction. Secretary of State will promulgate rules for Utah licensed notaries to meet the effective implementation date of 11/01/2019.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

VermontNo. Legislation was passed, awaiting rules to be promulgated. Expect implementation in 2019.
VirginiaYes, in counties that accept instrument for eRecording and subject to STGC's underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept and online notary for recording before we will agree to insure the transaction.
Washington

Yes. In counties that accept eRecording and subject to STGC’s underwriting requirements. Contact your local STGC Underwriter for these requirements. We require confirmation that the local county recorder will accept an online notary for recording before we will agree to insure the transaction. Secretary of State will promulgate rules for Arizona licensed notaries to meet the effective implementation date of 10/01/2020.

Foreign Notary: Issuing offices may proceed to recognize online notarization performed in another jurisdiction with certified eNotaries using the approved vendors platforms and notaries.

West VirginiaNo.
WisconsinNo.
WyomingNo SOS guidance. Not available at this time.

DEFINITIONS

Notary: Unless otherwise indicated, "notary" means a notary licensed by the specific state noted; not a notary licensed in another state.

Out-of-State Notary: Means a notary licensed in another state. Such out-of-state notary may or may not be physically located in the state where he/ she is licensed when he/she notarizes the signature.

In presence of: Means the signer and the notary (including any required witnesses) are performing the action of signing and all required notarial acts via approved video- or webcam-conference technology.

No SOS guidance: State-level secretary-of-state regulations are silent regarding this activity.

Yes: Online (remote) notarization is permitted by state law or SOS regulation.

No: Online (remote) notarization is prohibited by law or SOS regulation.

In addition to this chart, a related bulletin sets forth specific requirements for issuance of title insurance. Read the bulletin at http://www.vuwriter.com/en/ bulletins/2017-2/sls2017002.html?search=electronic&searchType=allwords.

Read the latest bulletin issued on June 6, 2019 regarding requirements and states approved at https://www.virtualunderwriter.com/en/bulletins/2019-5/sls20190020.html

This chart applies to situations where:

  • The signer is located in this state and eSigns in presence of a notary licensed in this state.
  • The signer is located in another state (within U.S.) and eSigns in the presence of an out-of-state notary.
  • State law allows electronic filing and recording of real estate document ("eRecording"). 

For additional information and underwriting requirements, please contact your local Stewart Title Guaranty Company underwriter. Visit stewart.com/underwriting to find your local underwriter.

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