PA eNotarization Program

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PA eNotarization Program

• National Notary Association
• The Second International Forum on eNotarization
  and eApostilles

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PA eNotarization Program

• PA Program Description
• Obstacles to Overcome
• PA Requirements

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PA eNotarization ProgramPhase I

• PA Secretary of State
• Crafted a very thoughtful program
• Not silent about eTransactions
• Strict requirements
• Great attention to details
• Preserves notary tradition
• Is practical and doable

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PA eNotarization ProgramPhase I

• How the Program Works
• Phased Approach
• Select Phase I Participating Counties
• Recorders in a ready state to deploy eRecording /
  eNotarization

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PA eNotarization ProgramPhase I Description

• Phase I Description
• 4 counties - geographic variety east west
• One year review period established
• Six month checkpoint to review activity
• Monthly reports due to the Secretary of States
  Office from the participating Recorder of Deeds
  Offices

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PA eNotarization ProgramPhase I Process

• Phase I Process
• Notary applies to the Secretary of State
• Notary is issued an Electronic Notary Approval
  Letter
• Notary brings authorization letter to 1 of 4
  authorized Recorder of Deeds Offices
• Appears in person with required identity proof

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PA eNotarization ProgramPhase I Process

• Phase I Process
• Recorders staff confirms identity and enters
  information into the on-line system
• Recorders file Electronic Notary Approval Letter
• eNotary has 45 days to complete the downloading
  of the Electronic Notary Seal

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PA eNotarization ProgramObstacles

• Obstacles to be Overcome
• Legislation
• Change
• Digital Certificate Authority

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PA eNotarization ProgramEnabling Legislation

• Enabling Legislation
• Federal eSign
• PA Electronic Transaction Act
• PA Mortgage Satisfaction Act
• PA Notary Public Law
• PA Law required PA Secretary of State to issue
  Notice in the PA Bulletin and establish
  regulations
• Legislation
• Timeframe 1999 to 2005

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PA eNotarization ProgramChange

• Embracing Change
• Organizational
• Marketplace
• Technology

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PA eNotarization ProgramPartnerships

• Building Partnerships
• Philadelphia Bar Association
• PA Land Title Insurance Association
• Banking Industry

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PA eNotarization ProgramDigital Certificate
Authority

• Digital Certificates
• Certificate Authority
• NNA / ENS Program developed

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PA eNotarization ProgramNotary Presence

• PA Requirements
• Inclusion of Notary in Transaction
• Physical Presence
• Embraces change
• Retains notary tradition
• Security
• Number One Issue

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PA eNotarization ProgramSecurity

• Security
• Trusted business partners
• Recorders e-recording vendors
• PA reviewed documentation

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PA eNotarization ProgramSecurity

• Proven and sound technology
• SSL
• PKI, Public / Private Key Infrastructure
• Digital Wrappers

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PA eNotarization ProgramSecurity

• Must use a federally certified certificate
  authority
• Very high standards with strict program
  requirements
• Sound and proven technology
• Structured Process and Methodology
• Data Retention Requirements

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PA eNotarization ProgramSecurity

• Security
• Each PA e-notary transaction checked for the
  presence of an approved PA e-notary
• Digital certificate authorized by the State
• Transaction is rejected if PA digital certificate
  is not affixed

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PA eNotarization ProgramSecurity

• PA Secretary of State has real-time capability to
  suspend and revoke the
• e-notarization
• Level of notification and control that exceeds
  that of the paper world
• PA Secretary of State has the capability to enter
  / view information on-line 24 x 7

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PA eNotarization ProgramThank You!

• Joan Decker
• Records Commissioner
• City of Philadelphia
• Joan.decker_at_phila.gov