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here good morning everybody welcome to the Tuesday notary titan's call with Carole ray Laura brewer and myself bill Soroka today is Tuesday February 26 2019 and today we've got a really special topic today Laura Brewer is really going to be running the show today presenting on remote online notarization before we dive into that though Carol thank you so much for taking time out of your day anything that you're excited about with notary to pro this week well I can tell you what my husband told me he's excited I'm a tough ground and that excites me too well good good anything in particular going on yes I'm excited about two things the recording that you did with Lalo who is the translator for our notary - pro Spanish I finally gotten organized enough where I'm going to be putting that on our website so that people can actually see what he looks like I can do that that great interview that you did with him and I'm excited personally because my brother is coming from New York this weekend and I don't get to see him very often he's always flying all over the world he works for UNICEF and some other big organizations he teaches people all over the world to be advocates for themselves and he literally goes everywhere Africa and Spain and you name it and so I get to see him Saturday and I'm excited about that that's awesome what a cool career flying around empowering people I love it Laura thank you so much for joining us today what are you excited about this week gosh what am i excited about I haven't got given a lot of thought other than personally we're practicing being empty nesters so that's kind of fun on the weekends no kids so each hat goes off to their own girlfriend and at once out completely and the other ones your part-time so that's pretty pretty nice new stage that's awesome yeah I bet that will take some getting used to as well and I'm sure there's a lot of silver lining there there will be all right awesome well I'm excited about a few things too on the personal level I am moving literally as we speak so there might be some movers coming in behind me so I apologize I'm just moving just a few miles down the road and then on the business front I'm real excited I don't know if you've got my emails or not but we just launched a 7-day free trial on sign-in Thrive course so if you've been wondering whether it's all about and you want to check it out you can check in there's no cost for the 7 day free trial get in check it out poke around a little bit and that's what I'm excited about this week lots of lots of cool stuff too but we'll save that for next week yeah all right cool so today's call on remote online authorization Thank You Nina is a hot topic across the country and miss our in-house kind of legal expert nerd I love working with Laura because she dives in and she figures out the things that we all want to know so today's call is going to run a little bit differently so normally we have it open where you can pop in and ask questions we're gonna do I'm gonna mute everybody again sorry we got some background noise there so you'll have to unmute yourself Laura so today laura is going to make a presentation on the where remote online notarization or Ron kind of stands today where where it looks like it's going she's going to talk about the country as a whole and what's coming up as well as some California specific laws and anybody who knows how these laws roll out California California is a leader when it comes to laws so a lot of states kind of follow California's direction on some of these things so this will be really interesting as we go through it I'm going to be checking for questions in the chat window and we'll open it up to Q&A as soon as is done so you can hold off on your questions just until the Q&A begins or if you type them into chat I'm gonna try to copy and paste those and keep those into one document so we can hit it all at the end and as we move through this guy's I know there's a lot of questions about the impact that remote online notarization is going to have on our business and what the opportunities might be and what the pitfalls might be I encourage you to approach this with a real open mind and think about this as an entrepreneur seeking opportunity and at the very least sparks your curiosity to kind of figure out as we go through this what that impact is going to be I know there's a lot of open questions I know Laura's going to dive in and talk to us Laura I'm gonna turn it over to you thanks Bill and I also want to say that I'm going to be mentioning legislation in different states and I do have the links if people want to go to their own States legislation and read it for themselves and I'm not going to be able to say each one while I'm talking but we will get it out to you either through the chat or we'll get it out to you as an email after the fact so that because I have about seven or eight different states where there's active legislation going on so let's talk about remote online notarization and the first thing I always like to make sure everybody is on the same page and that is there's a big difference between online notarization and remote online motorisation so I can notarize he notarize documents currently but it requires physical appearance of my signers so they're in front of me and they have an electronic document and I have an ECL and I canna fix that and I use a platform called dock verify to do that today now remote online notarization is where I no longer require the physical appearance of my signer their appearances through a two-way audio-visual meeting in a virtual meeting space so very different thing and it it impacts many different aspects of the notarization so first of all let's just talk about who's doing this right now the remote Montana is doing it Virginia is doing it Texas is doing it Nevada and Minnesota so they already have it out there now whether notaries are you know very many notaries are doing it I'm just saying that's an active place already but we have quite a few other states that the legislation is current and once passes we're looking at 2019 and 2021 depending on the state so Arizona has legislation for 2019 of course California has legislations now for implementation in 2021 Florida has already introduced it and it's effective for 2019 Utah has a House bill and it's for 2019 Tennessee also has a House bill and it's due for 2019 then New Jersey and Pennsylvania they're already in the works right now so these are states that already have legislation in place that you can read to see what the requirements would be a view as a notary and what kinds of requirements of vendors that would be in there as well so what it looks like is this you've got a technology company that has a platform that supports synchronous audio-visual feeds with adequate clarity that all is seen and understood and if the notary says I can't understand this person I can't really see them well enough the notary has discretion to stop the transaction the consumer would go to a website say of a technology company seeking remote online so they're going to Google I want virtual or online notarization and that's the consumer direction the title company direction would be partnering up with these platform companies and having their own landing pages for their specific signing purposes now once the the transaction is approved yes we're going to notarize this virtually there are a series of steps and qualifications that has to happen even before the notary can do their part so one is they're gonna have to sign in with information about themselves then they have to go through a kpa process and you're going to hear those initials k ba over and over again for this and that's called knowledge base hey ba authentication knowledge based authentication think of it as a trip down memory lane so they're gonna ask you five questions that only you would know the answer to and it might be did you ever own a you know 1960 pontiac or did you ever have a bank account with such a such bank so you would but you would have to pass that and if you don't get them right then that stops it right there right so that's the first analysis that would go if they pass now they can upload their documents and they can request to meet with the notary in the virtual space now currently there are several about a half a dozen companies that are doing this now and what they do is they control it from the consumer end and then they have notaries that they hire basically to be in a pool of notaries that would get the jobs then would be sent the jobs and I'll talk a little bit more about that in a few minutes so these platforms would suggest that they have a pull of notaries that are available 365 days a year 24/7 so anytime 365 days they will have a notary who can assist them now once we get the notary involved there needs to be a third party additional ID analysis and that's performed by the client placing their ID up to the camera the camera takes a picture of the front and the back scans both and then it's going to look for the security feature it's gonna check for the font style which apparently seems to be a big deal for fraud and probably beyond the scope of what a notary would be able to look for they're also going to look for the placement because every state has a specific placement where the photo has to be and so they're gonna look at that they're gonna scan the barcode and make sure that information is consistent with the information on the front of the card and they're gonna sit there for about a minute while all this third-party analysis is going on if that's acceptable then now now the notary and the signer meet in a virtual meeting room space what's also interesting is you can have multiple signers and they can be in multiple places so a husband can be in one state the wife and another state and the notary and yet another state and we're all meeting in this virtual space and we can like today we can see each other all at the same time now it also can accommodate witnesses so let's say you have a document that requires witnessing so the signers on the witnesses with the signer that person has to be there and that way they can have access to add their signature as a witness and watch them sign for signing the signer has some choices the signer can either a if they have a draw there's a draw and they can sign their name with their finger or they can actually select a font that will be a fit applied to their name so it makes it look like a signature either way they'll have that availability the notary then will fill out the notary certificate add their signature which has a digital certificate provided by a certification Authority like ident trust I don't know if that's the only certification Authority but that is one of the big players and if required by your state a seal now California will require the seal as well but some states do not require of fixing any kind of seal it'll just be the signature and the commission number and the expiration date you know they infirm that you would see on a seal also there's a layer of tamper evidence embedded so that means one of two things for fraud or for changes so it it it logs the history of the document so if there are any changes made to the document subsequent to the notarization that is logged as well so there would be a history of that now once it's completed the documents completed its notarized it is locked so that means it has to be unlocked in order for further changes to be made and of course that history is created because there could be a reason a legal reason for this but this also would then display on the document that changes have been made so that whoever's the receiver of the document would know from the first time it was notarized there have been additional changes and that's what that what did I call that that's what the digital the digital certificate verifies the notary and then the tamper evidence is the part that protects the document so there's two different security features going on one is to verify that this is a notary who is approved to be doing online motorisation through the digital certificate and then the other part is to protect the document you can actually click on the notary signature to see that there are valid notary you can click on the document on the seal to see if it's a valid seal all of that can be done the recording so it must be recorded and held and currently and it must be held in a in a secure way right well we know how secure our online worlds are but there's they're supposed to have the technology to keep it secure and to hold it all so it has to be stored right so they're going to record it and store it most notaries do not have the required security for storage that these companies will have and so they're gonna be holding it but it can only be accessed either by the receiving agency who wants to get it or by the notary if say they had to pull information after the fact to prove something say they had to get it called the court and they had to be able to pull the original recording then they could this also has a journaling that goes with it even in California I'm shocked at what I see but there's a journaling so they have just a narrative record of what happened when it happened who was there who was involved who was a notary what was the third-party service that was utilized and that may suffice in some states and the notary doesn't have to keep any other journal because it's going to be done for them in states like California and others where a journal is required then there will be an eternal in that separate from this process for the notary to fill in the appropriate entries and anything that's already included I believe would be prefilled for the notary the notary would just have to add in anything that was not already there and then the notary can export copies of any journal entry so it can just be stored and they can pull one out when they need it they can download all of it say I'm not gonna be a notary anymore what happens to those you can export it all download it onto paper and take it to the county clerk if the county clerk cannot accept it you know on a fob or some kind of digital format and in California that's most of our county clerk's wouldn't be able to accept it we have to actually download it now the companies oh I skipped a couple things one is there'll be a payment screen for the consumer when we're talking about a consumer to pay for their service and what's still not clear it depends on which company are talking about the money would go to the notary or if it's a hiring situation there's some kind of split going on where they are paid through the third party company and again I work with Doc verify today I pay an annual fee to have access to it and then they don't take any of my notary money and I'm not on any shifts or anything like that however notary can which is a different one they actually have shifts of people of node reason they offer a pool to the public of notaries to be available to them anytime any day any time of the day or night I don't know how their payment system works because I'm not signed up with them but I certainly want to check them out a little more fully I have looked at their website and so I do know they hire but the details of how that works is not displayed you know they're you'd actually have to sign up and see what the story is so who are the companies the companies where I go check their websites would be notary cam doc verify notarized safe Docs and then there's povo so which actually is a little different than the other one some title companies are hooked up with them directly and utilizing them and so it would be the same way that title company hires you the title company pays you where the signing service pays you directly it's just you're using a different tool and then some title companies have their own proprietary software already set up for instance amrok has their own so they're not gonna be relying on these guys I don't know if there's other title companies large like amrok who would also create their own or if they would just hook up to Baba so and each one is going to have their own requirements so let me just give you some of California's requirements because although not all states are as laden with requirements as we are it's a great example of what potentially what pieces could potentially land up in your state first of all for California you must be about notary first you cannot just be an online notary first you have to do whatever it takes to have a commission then you separately register to become with the Secretary of State to become an online notary and for California it will require a three-hour additional three-hour training course and exam now I believe Florida also has a training requirement for their online all the fees for the application for the training or paid by the notary so we bear that expense as a business expense if we want to move into that type of notarization notaries of course can be both the traditional and and our online or they can just stay in a traditional you don't have to take that other step you could still do paper and pen and be a traditional notary and there will be plenty of work because not everybody has the equipment in their home the consumer on their end in order to perform it for instance you can't have DSL or dial-up it's not fast enough you have to have high speed if you don't have high speed you won't be able to do this kind of work or the consumer wouldn't be able to work with the notary that way now California set the price at $25 maxime imper notarized signature online we have to disclose who the third party platform is we're using to the Secretary of State that's part of our requirement and of course as I mentioned you have to have high-speed Internet to work with the platforms you have to have webcam you have to have speakers in order to make this work now I had my own laptops because I have several of them check to make sure that we meet I meet those requirements than I do so I don't have an issue with that myself so also as a consumer I wouldn't have an issue I could do that now there are a couple of other things that this impacts I want you to think about your certificate so right now your eStore typical your regular certificate says you personally appeared but you're not personally appearing right so that wouldn't be appropriate so they've got they're developed certificates for the knowledge meant that your Durrett and the proof of execution to indicate that the personally appear was via means of audio-visual of video communication so it's actually written right into the certificate that says that's how they appeared it was via the audiovisual and so I thought that was interesting I didn't even think about how the certificate would need to change so we'd have two kinds of certificates traditional ones that we currently use and then an e certificate that has a slightly different wording to indicate that they did not physically appear there would be an a journal and in the California requirements if I'm going to be a traditional and a remote online I can have two journals I'm gonna have my traditional one to take care of the world traditionally and then I would have a remote online one that I utilize just for that purpose so that would be different she's normally allowed right now to have one for everything including my e notarization z-- there will be some new entries in the journal so the principal signer has to declare where are you they have to declare the location they're purporting to be in and that will be logged in the journal the type of notarization so if you use an online journal a journal for everything because you don't have to use the traditional one if you want to do that then you have to indicate what kind of notarization are you performing are you performing an online one or a traditional or somebody's in front of you um you need to declare the name of the service that's doing the ID analysis and they remove the thumbprint requirement for e journaling only so if you're doing traditional work you would still have a thumbprint but if you're doing a journaling there would be no suffering and I mentioned already that we can have access to that a journal as a notary either downloaded or exported into a file for whatever purpose I need for instance in California at the end of your commission if you're not going to be a notary anymore you to turn that into the County Clerk and it would be the same the same situation right hand him a fob right digital media okay so the seal part let's talk about the seal part California does require the image of a seal and so we will still have that and the image of a seal would be created with the same elements in the image that we have on our traditional seal so that wouldn't change for us it's just being a fixed as a graphic basically but it's embedded with the tamper evidence information and the digital seal for the notaries so it's not just something you can buy on a fob somewhere I know notary rotary for instance not picking on them but they sell an e seal on a file you will not be able to just get it anywhere because the e co has to meet certain security requirements so say that's what you wanted to do then the company you bought it from must be able to embed that digital certificate with it so let's talk about the signer part of it first of all the signer can be for California it says you can be anywhere in the US outside of the US so anywhere around the world the ID that's provided is the same list that we currently have so that wouldn't be changed and they must disclose of course where they're at for my journal entry signers can have witnesses and signers can have multiple signers and all of that can be done conducted simultaneously in that one virtual meeting room they'd all join up from wherever they are the technology requirements is the only thing for the signer part is they've got a laptop or a desktop and it has the webcam right in the speakers and it's high-speed internet access so that they can work with the platform that's their requirement the technology that we're gonna work with has to issue the digital certificate for the notary connect us with the third-party ID proofing service so remember I said they're going to put the the ID up to the camera to capture both sides this is a third party proofing service so there's a lot of responsibility between the technology company with the ke bas and this other third party company was the identification I mean really they're being checked incredibly thoroughly beyond probably what notaries can do when we look at ID cards and of course they maintain they record it and they maintain the recordings in a secured / requirements of the state storage they must be able to of course allow the notary access to the e-journal in any format that the notary needs to access that and or a notarization specific because of a court case or the Secretary of State ask for something whatever it is so all of that must be accommodated through the technology the companies depending on how they work there could be an annual access scheme to get to the technology so for instance I'm signed up with doc verify I paid $100 to be verified as a notary and get a digital certificate then I pay either 15 dollars a month or there's a an annual fee that's a little cheaper so it's a it's between one hundred and sixteen hundred eighty dollars a year just have ongoing access so that I have the ability to perform an e notarization and it would be probably the same way for remote online if that's how the company goes at it now another company may say look we're not gonna charge you anything notary you can get in free but you have to be hired right so everybody's gonna market it you know how it's best for their business right because remember they're not in the business for us we're the product they're in a business for themselves and of course they're in the business to support facilitating notarization of paperwork that's the business and to meet the requirements and to provide you know they don't they're not in business if they don't have any notaries right you gotta have a know I mean they can't do it by themselves so without us they don't have a business but on the other hand you know stamp Doc's same way right snapped rocks didn't have notaries in their database they wouldn't be able to have a platform to share know the reasons other people so there's there's a there's a real balance here between what they're doing and what we're doing and so I think it's incredibly important for you to go to look at your state's legislation to see what the specific requirements aren't now before it's been implemented that's what I'm doing I've analyzed the ad 199 which is California to see where are their issues for notaries because you know they have open discussions nor do we can testify for or against the bill and since I'm not far from Sacramento that I certainly plan to be active in that role and of course with my connection with the NA I can get in there to do that so those are the basic pieces of information that are important for you to look at is the certificate the journal the seal the technology the notary right and then the Technic umpah knees that are doing this and how are they doing it and how are they planning to work with us are they planning to hire us as a call center or are they giving us access for a fee and I think every one of them are gonna be different okay now where is he how long I talked oh gosh yeah all right so now if if anybody's been Carol or Bill if you've been monitoring the chat room and there's questions that I didn't already give the information I'm happy to answer yeah I think we do I think we have some good ones in here and I'll definitely if you've added a question to the chat window I have copied and pasted it and I'll address that before I do that though is there anybody who has a live question that would like to come on and ask give me a couple seconds to do that now it's not no big deal we have some great questions here okay let me jump in and read these to you okay Laura I'm when I'm in California and I'm a little concerned about the possibility of frauds and it doesn't seem like there's enough safeguards at least from what I'm understanding anyway in California safeguards that would protect the consumer or protect you probably you know I guess both I could see where you know these people are so sharp with technology that they could you know wiggle into some kind of scheme either way Laura what do you say well I think that no matter what I think when we look at our traditional process today there's fraud there's schemes there's wayward notaries there's bad consumers there I mean all of that exists in my world today is a notary and you know somebody could copy my seal today and start using it all over the place and it's up to me to defend myself to prove it wasn't me so I don't think that that is going to go away I think somebody is gonna try to find a way to go around it I just think that's our world today but when I look at the technology's ability to analyze their cards beyond whatever I can do I cannot I don't know the font style I don't know that the placement is off by a quarter of an inch I wouldn't know those things so I think that they've done a great job with the safeguarding of doing the KB ace first and then doing the ID card second the only thing that I feel that there's a greater opportunity is of course as everybody says well I can't see what's going on beyond you can only see my wall of pictures you don't know if there's somebody over here on the side trying to force me to do it but you know what even in traditional I can go into somebody's home and those people have coerced that signer and then they leave the room but the signer is still afraid even though I've said leave the room so I can talk to them separately they may not admit that they're being coerced I think the same things can happen in - in today's traditional world as it can in the technology world and so we do the best that we can with what we have I do say that now the responsibility for properly identifying the notary a signer is not just on the notary shoulders anymore now it's not just us we've got the platform company and the ID company also on the hook yeah right and I can speak to the the technology that goes to verify this is the same company that verifies for federal employees that they're going to work in the White House so they're going to work at the Capitol building that's the same companies as validating these identities also when the the duress factor was a huge concern for me because I don't know if somebody's sitting on the other side of the camera with a weapon forcing them to to make this signature here's what's kind of amazing the technology today can actually measure duress so it will it will take points of their face and if they're showing signs of stress it will indicate to the notary that this is a high-stress situation and the notary can make the call on whether they want to proceed or not can i interject something I have some information not that I've mentioned before I don't know how many years ago it was it's almost five years ago I think that I received a telephone call from these two young fellows that started notarized and one of them came to our home in California from Boston because I am I was a huge advocate against this and a very vocal about it and he wanted to demonstrate the actual product which was kind of interesting he was there who was at our home for several hours and I have to tell you when I I was blown away when he actually went through with my husband and I the software showed us all of the protective and I believe that there was even a way for the camera to to go to all corners of the room at that point in time to see if there was anyone else in the room beside the signers now this was more for the the remote documents just not signing not blown documents but individual documents so by the time that he left I was pretty much sold that this was going to be you know safe and it was going to happen no matter what we did what was interesting was that I had something that I had to have notarized that had to go to the state of Arizona and I was on a time constraint it had to do with my name my business name and long story short I couldn't find a notary we went to Reno and I got somebody at the hotel that was supposedly gonna help me and do the notary and she quit so I'm home I've got like one day to get this document off so I thought well it's my students they're trying out so I called and I got one of my graduates and she was on call for that day and we went through this process and it was interesting it cost me $25 but oh it was well worth it because I got the document instantly they had paperwork that was addressed to the state of Arizona stating why it was ill it was legal for them to accept this it was quick and other than our 15 minute conversation it was just it took no time at all it was really easy I'm still really concerned with the security stuff but what they demonstrated to me made me feel a lot more comfortable about doing this so and and Bill knows you know who the companies that they have knowing now doing it or so you know they're so high up there that I don't think that there's a problem anyway I just thought I didn't interject that because that was my real experience with it I loved it yeah thank you Judy I'm sorry can you sit can you say it again I'm sorry your microphones a little muted the venue where you are now normally where you plant your feet but you know this isn't everybody's in different states how would you determine what to put on the so how do you determine if everybody's in different states and even there like a multiple signing situation what's the official venue is it the one that you are actually residing in Laura or is it where the borrower is the venue is the notary okay and of course I have to be in my own state I cannot take it on the road and be a notary across the United States so the venue has to be where I am within the state of California I know there were several questions on that Jason do you have a question or is that just an accident I do I do have a now I have a two-part question the first part is are they possibly going to do remote weddings and two is this going to be optional where people of the questions so your two-part question is do you think this is going to lead to remote online weddings and you are we each state you foresee each state still maintaining both options going remote online authorization in authorization and also live notarization Laura well first of all weddings it's not a notary thing so I just want to make sure that everybody knows other than the few states there's only a few states where that's a notary responsibility everywhere else you're an officiant and it has nothing to do with notarization itself but in just thinking about that because I do jail work and one of the reasons I go there a lot is it's a failure earth not failure to appear able to appear documents for the marriage license and so I have to go to the jail to get his signature notarized and it could be her it's just from my experience it was him and then that the minister and the bride and my document go to the County Clerk's office to get their marriage license so I was just thinking how this mighty facilitate something by having online you know the ability to do online for that process that part of the length but I don't have an answer as to do I think they're doing it I think everything that can go online will go online and whatever service it is if they if it doesn't require hands on I mean hands on your body then they'll probably figure out a way to make it online yeah that's a really great point and great questions Jason that's what I'm talking about spark the curiosity is through and where we might go here's some other questions for us do we foresee the probability of a dramatic reduction in the number of notaries needed if you can be remote that seems to reduce the geographic need for notaries in order to be present wow that is that is a great great question I wish I had my crystal ball to tell us if I think there'll be a reduced need I don't think there'll be a reduced need actually because even though the access may be easier the problem here is that notarization is seen as such a value-added service or process that people utilize it beyond what's required by law so people want it for permission slips and people want it for treatment slips and people want they want it for their rental agreements they want it for their lease agreements it's being used way beyond the scope that initially would have been used for so as more and more agencies like if you're playing to be part of the police department they a release of information is notarized so as more and more documents require notarization that expands the opportunity for notarization and remember not everybody can participate in remote either either you know the consumer because they don't have the tools yeah they don't have the proper technology to do this the other thing is they might not have the skill set and one thing I will work on getting a demonstration for you guys so you can actually watch this and sometime I mean you have to have a certain acuity for technology to to get this you have to know where your webcam is hold it up you got a receive an email if you know don't receive the email you need to know where to go to find it click through and do the kba that Laura was talking about I mean it's as awesome as it is it's still rather clunky yeah oh there's going to be a whole market market of people who just don't know how and don't want to deal with it so they and they appreciate the personal service as well so I'm not I don't see like a huge again I don't have the crystal ball but I'm more excited about having another stream of revenue for those people who do value the remote online authorizations zoom has been hard for me is a challenge enough for so many of us Terry are you trying to ask a question I am I wanted to make a comment to Jason sure I'm in Florida as well okay that we as notaries can do the marriage ceremony we are not notarizing in the marriage certificate the notary seal on this marriage certificate only to indicate the authority vested in us under this laws of the state of Florida right for us to solemnize the marriage if you'll note there is no notary certification at all and even the Secretary of State has confirmed we are not notarizing a marriage certificate we are merely stamping it to show the authority that was given to us to perform that marriage ceremony I can correct something on your part I think earlier you said Florida had already passed remote notarization sometime in 2019 it's not that the bill is coming up the bill was killed last year and not passed it's coming before the legislature again this year hopefully I'm one on the side saying that's killeth but don't think we have enough information yet in Florida to handle this but that's not yet passed in Florida right and you know the same thing happened in California the bill was killed last night and so they they've come back now I don't know the exact differences from the previous bill to this bill that's my next step is I want to see well why did it die the first time what have they made to think that they'll get it through this time right well the Secretary of State helped to kill it last time because she stated that Florida was not ready that we did not have the infrastructure number one and number two from an authorization standpoint for loan documents the majority of our rural counties do not have the infrastructure nor the money to implement the infrastructure to be able to record documents that has to be recorded that are done electronically so absolutely right authorization and remote notarization x' secretary of state has some concerns because of florida's lack of infrastructure at this time I think we're getting a new Secretary of State so it will be interesting to see I do prabhasa signings but all the documents that need to be electronically recorded are wet signature it's only the non reported documents that we signed by way of palazzo palazzo has at least set up and to do some of these things here in Florida but Wiimote died last time I don't know if it will pass this time but the legislature meets this summer we'll find out well the I think the point would be is they're gonna keep trying and I it's plumbing you know so either we get in front of it and we understand it and we see is there an opportunity for me to participate in it otherwise we run over by it obviously there passes I'm going to participate off to see what infrastructure I need opportunity 'inna under ization is don't concern me because of course we still have personal appearance I just the remote has concerned me you cleared up a lot of my misconceptions or misperceptions every was but I think Florida has concerns as well as far as the infrastructure and the money it will cost to implement this even if it passes the summer I don't know how soon they're implemented and and that's another good point that you made is that for instance even though the bill may pass in California 2021 would be the inflamation implementation or the go date then there's another 12 months after that for the Secretary of State for to develop rules for its implementation so it would be 2022 before if everything went smooth before we could do anything with remote online because the Secretary of State's office is charged with implementation and rules and fees and all of that and they have to develop the infrastructure to support it so you made a great point Terry yeah and I think we're gonna run into that that's part of the reason that this isn't just rolling out across the country just willy-nilly this is really it's a huge undertaking and if you watch the there's an association of secretary of states where they talk about this and they're trying to help each other get the infrastructure in place and it's in itself is so vague but it's no wonder that there's confusion even on the state level so I think you're gonna run into this in a lot of states which is kind of a benefit cuz we got to kind of see now we have our experimental states rights the early adopters the Virginia is the Montana's so we can kind of see what they're running into and then other states will start taking it on and hopefully modify it and make it better the thing that bothers me is something that I mentioned once before because of my affiliation with the state of Virginia it was the first one they were using a lot of notary to pro grants and they're changing things and the things that really bothers me I love this business and everybody that knows me knows I love this business I love the fact that people can be independent and do everything that they want to do what they're doing now I'm so totally against and so maybe somebody from that can talk about that's in Virginia but I know from a couple of people that what they're doing is they're now turning this into a an employee situation where they're having the notaries go to a business they have to be in a building and they're going to a certain City they have to clock in they're apparently putting in their hours and they're being paid by the hour is I understand it they're not being treated as independent contractors they're just sitting there all day and and doing whatever signings they're doing I'd love it if somebody I haven't talked to anybody lately from Virginia but that was my understanding I spoke to one to lungo you know we have a person in the chat at Latrice who's in Virginia and a remote notary I don't know if Latrice you can give us a little insight I saw you just chatted a few minutes minutes ago if you're still on oh yeah and somebody just said something to me - Latrice thanks for your comments can you give us some insight well basically I got the email organization certificate because I'm in Merrill I'm dueling commissioned in Maryland and Virginia so I went on and got some remote mobilization it's pretty neat I don't work for anybody I'm some employee and so I'm going through it's a bit of a slow ride for the remote mobilization for me now because it's an education process because first of all people don't believe that you can do it by email they think that is tentacle scams but otherwise the net is good I deal with this platform silent sonics is a bit expensive but it has everything that is a genuine remote notarization requires because they do require audio and video storage of it and it has to be for five years so in Virginia you have to be a Virginia notary but you also have to do a separate process to become a remote notarization clicks and in Virginia you actually can notarize documents worldwide it doesn't have to be just in Virginia Latrice so how is the do you just you pay in Access see for sine X and then you work directly with your own consumers correct sine X is $60 a month which is a little bit expensive like I said but it's worth it because within that platform it has everything that a person could need to do the normalization because you just can't do it willy-nilly it has to be video and audio and it has to be recorded and it has to be stored for five years part of States the Secretary of State so the trees how do you get your consumers do you put on your own website that you offer remote positions is that how you get there I knew I do my webcam my my website is actually the webcam notary comm so I actually have that information on there I have the YouTube video on there to kind of show everybody what that's like to actually do it all so I'm a lone signer and I also work with Baba so I am falafel certified because there are people now that's doing the hybrid notarization because every you know everything can't be straight remote notarization at this point so there is a hybrid version and a lot of the signing like amrok a lot of them are starting to do the hyper version well I love that Latrice thank you so much for chiming in because I know one of the big concerns across the country is these big mega corporations coming in and funneling us into a call center which is precisely why so many of us got out of call centers and started no they're in loan signing business because we want that independence and flexibility so this is you know this is there's going to be all kinds of different business models and that's what I love about this industry is that it is ripe for innovation on so many levels and this just happens to be what's kind of the hot topic right now is the remote online authorizations so you're gonna see entrepreneurs jumping on this starting notarize calm they're going to start scientist common they're going to get innovative they're just going to start coming up with their own ideas and there's going to be little niches for everybody and I think it will kind of balance out as to what actually works and I'm really rooting for the independent business model to work out because I this is unlike Carol like Laura we love this business we love what it represents we love the life it's created for us and what it's creating for you so that's what I'm rooting for - Keisha are you still here because she's with she's been working with notarize for a long time I don't know she's still on here not I think Laurie was on here - I don't know she's notarized if not we'll jump in there but we got a couple more questions yes all right with you let's try to make some headway here how do you know that signers are being truthful about their location well how do I know they're being truthful about anything they have to report it and that the law doesn't have does not state a way for me or a requirement for me to verify that that's where they are I don't know if the technology can track where they're calling in from or where they're you know their line is coming in from that may be something that can help with that but the largest needs I have to ask and record it doesn't state I have to verify in California now maybe another state well either not even require that or maybe require verification I don't know and the one thing I didn't address that I want to talk about is that if the notary believes that this is not something they can complete because they can't hear they can't see well the ID information is good but the name variation is too great you know in some states the name has to match in some states it doesn't have to match exactly but you have to be confident so you know today you might look at a bunch of other stuff that they have in their wallet well I don't think that remote online notarization is set up to like look at all the cards so if you're not happy with what's being presented to you you can say I cannot complete this notarization you need to provide me such-and-such an ID that has the name that is on the document you want so we still have a lot of control in regards of what we do love that part of it too we still get the ultimate decision as to whether or not we want to do the notarization or not wonderful the other question is do you know of any cases of any organization or government rejecting remote online notarized documents that's a great question I have I have not heard I can't say that I specifically went out and researched that but certainly there could be that just as somebody could reject one of my traditional note was not gonna happen in our traditional world - yep definitely oh I'm sure it could happen awesome this was phenomenal Laura really great presentation thank you for bringing so much clarity to a very very murky new industry for us I really appreciate all the effort and the energy that you put into that Carol thank you so much for your insight on this as well I love that you met with the founders of notarized ahead of time and one of them we have one of them and then Kari I saw your input down there too and I love your attitude about this you know this really could be an additional income stream for any notary that's willing to take it on it's not going to be for everybody just like it's not going to be for every consumer out there either but it's an option and opportunity and it's definitely if nothing else stay curious about this and stay ahead of it because the last thing we want to do is be the blockbuster video or the toys-r-us of this industry right it's new technology that that's coming so let's pull our head out of the sand and take it on head-on guys thank you so much for spending your Tuesday morning growing yourself in your business you guys have a wonderful week and I will send out the email with the the companies all the the links to the government agencies that Laura said I'll send that out via email along with the replay sure yeah before we go next week yes you guests coming we hope yes yes everybody knows Mark Fleming with signature closers be kind to him and and also the owner of executive notary services will be here and I'm hoping that they will give us some enlightenment on what it's like to own a signing service right now in this country and be kind yeah that's great perspective and I can't wait to hear that conversation as well all right guys thank you so much enjoy the rest of your week bye bye