Ernst Publishing Co., LLC

Information Services for Financial and Real Estate Professionals

• HUD/RESPA Sources
• Public Record Sources
• Uniform Real Property Electronic Recordation Act
• Consumer Financial Protection Bureau

Uniform Real Property Electronic Recordation Act

Related Acts

• E-Sign—The Electronic Signatures in Global and National Commerce Act.
• UETA—The Uniform Electronic Transaction Act.

Drafting Committee Materials

Initial Meeting (2/21-23/03)

• Memo to Draft Committee (1/03)
• List of Policy Issues (1/03)
• Possible Observers (1/03)
• Policy Issues in 1^st Draft (2/03)
• Agenda-February 23, 2003 Meeting

Second Meeting (5/2-4/03)

• Issues Memo for May 2, 2003 Meeting

March 2004 Meeting (3/12-3/14)

• Announcement Memo
• Reservation Form

Drafts of URPERA

• Original Draft (1/03)
• Second Draft (4/03)
• Third Draft (7/03)
• 4^th Draft (11/03)
• Comments on 4^th Draft
• 5^th Draft (2/04)
• NCCUSL Annual Meeting Draft (7/04)

Industry Resources

Digital Signatures

• X509 Certificate—An illustration of a digital certificate in a document.
• Digital Trust Certificate Agreement—What you sign to get a signature, including a broken web link.
• Digital Trust Certification Practice Statement—What you really agree to when you get, use or depend on a signature.
• MBAA Announcement—Establishment of digital signature company accreditation organization.

Fannie Mae and Freddie Mac

• Fannie Mae Announcement 02-08 (1/03)—Rules with respect to acceptance of eNotes and eMortgages.

Ingeo

• Ingeo Education Series—Well-written summaries the elements of electronic recording, including.
• The Three Levels of Electronic Recording

National Notary Association

• Model Notary Act
• Position Paper on Digital Signatures Laws and Notarization

Property Records Industry Association (PRIA)

• Notary Essentials—notary standard and principles.
• Document Formatting Standards—standards for paper documents.
• Indexing Report and Appendixes—A model automated indexing system for grantor/grantee names.

Commentary by Carl R. Ernst

General

• Opening Statement—Written form of a statement I presented in outline to drafting committee meeting on February 21, 2003 of the issues as I see them, separated into those appropriate to URPERA and those that are not.
• Comments on First Drafting Committee Meeting (Not yet available)—My comments forwarded to committee chair and reporter based on discussion at first meeting, including notes regarding items in my opening statement that are probably not yet contemplated in the second draft.
• What is a Conveyance?—An article concerning the varying definition of the term “conveyance” and how it is misused in new legislation.

Digital Signatures

• Components of a Digital Signature (2/03)—Discusses the characteristics of a digital signature and how its effectiveness can be limited.

Notary

• History of Uniform Notary Legislation
• The Fundamental Principles of Acknowledgement

URPERA Provisions

• A Rule-Making Provision (2/03)—A form of rule-making provision based on UCC Article 9-526