fraud and identify theft. Notary Public procedures

Notaries should follow their state procedures to validate the signer's identity.  Some title, settlemen companies, lenders or banks my have different approach. These are a few notes regarding Indentity Theft Procedures.

To reduce the incidence of fraud and identify theft, proper identity verification must be
performed at every signing.

1. Validate the signer’s identity
Each signer must be present at the signing and must provide a valid government-issued, photo
identification.

Examples of government-issued identification
o valid driver's license from any U.S. State
o valid U.S. passport
o valid Foreign Passport
o valid Federal ID
o valid Green cards
o valid identification card issued by a federal, state or tribal government that contains the
individual's photo, signature and physical description.
This identification should contain a photograph, physical description and signature. Using
identification with these three components provides a basis of comparison with the
physical appearance and signature of the signer. Identification of this type also makes it
more difficult for a criminal to use a stolen ID.
To be considered valid, the identification cannot be expired.

A copy of any identification used at the signing must be returned to some title companies, settlement agent, lenders or banks if requested, with the closing package.
Be familiar with the laws governing identity verification in the state(s) where you practice.
If your state does not consider one of the listed forms of government -issued identification
as acceptable identification, you may not rely on it for identity verification.

2. Record the details of how you identified the signer in your notary journal
Record details of the type of identification used for identity verification in accordance with the
laws governing journal entries in your state.

3. if the signer does not have valid identification is always good to contact the Title company, signing agency or signing contact person to confirm the procedure to follow.

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Sacramento Mobile Notary Public Signing Agent - Apostille Service- California Mobile Notary Network