Notary Compliance Guide

Notary Compliance Guide

JP Notary Services Partner Reference

This guide summarizes key compliance requirements for JP Notary Services partner notaries. Laws vary by state — always refer to your state's Secretary of State notary division for the most current rules.

Disclaimer: This guide is for informational purposes only and does not constitute legal advice. Notary laws vary by state and may change. Always verify requirements with your state's Secretary of State or a licensed attorney.

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Notary Commission Requirements

Must hold a valid notary commission issued by your state

Commission ID must be current and not expired

Notary seal/stamp must match the commission name exactly

Commission must be renewed before expiration — no grace period

Must notify your state's Secretary of State of any address change promptly

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Fee Limits (Varies by State)

Notary fees are set by each state's laws — check your state's statutes

Example: NC in-person acts max $10/act, electronic $15/act, RON $25/act

Fees cannot exceed your state's statutory limits — charging more is a violation

Travel fees are separate from notary fees and generally not capped

Witness fees are a separate business charge, not a notary fee

Always confirm your state's current fee schedule with your Secretary of State

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Signer ID Requirements

Notary must verify identity of all signers before notarizing

Acceptable ID: government-issued photo ID (driver's license, passport, state ID)

ID must be current (not expired) or expired within past 3 years for some documents

Notary must record ID type and number in journal for all acts

If signer cannot provide ID, a credible witness procedure may be used

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Notary Journal Requirements

Journal requirements vary by state — some require it, some recommend it

JP Notary Services REQUIRES all partner notaries to maintain a journal

Journal must record: date, type of act, signer name, ID type/number, document type

Journal should be kept for at least 10 years after last entry

Journal is the notary's personal record — not the client's

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Prohibited Acts

Never notarize your own signature or documents where you are a party

Never notarize for a spouse, parent, child, or close relative

Never notarize if the signer is not physically present (except RON)

Never alter, correct, or complete a document before notarizing

Never certify a document as a "true copy" unless authorized

Never provide legal advice or explain legal meaning of documents

Never notarize if signer appears under duress or incapacitated

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E&O Insurance

Errors & Omissions (E&O) insurance is strongly recommended for all notaries

JP Notary Services requires E&O insurance for active network partners

Minimum recommended coverage: $25,000 per occurrence

Policy must be current (not expired) at time of any notarization

Update your policy number in your portal whenever it renews

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Remote Online Notarization (RON)

RON authorization varies by state — verify your state allows it

Must use an approved RON platform (e.g. Notarize, DocVerify, Proof)

Signer identity must be verified through knowledge-based authentication (KBA)

Session must be recorded and retained per your state's requirements

RON fee caps vary by state — check your state's statutes

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Loan Signing Agent Requirements

Must hold active notary commission before signing as LSA

Recommended: National Notary Association (NNA) LSA certification

Must carry E&O insurance — most title companies require it

Cannot provide legal advice on loan documents — just facilitate signing

Must return signed documents on time — late returns can cause closings to fail

Background check may be required by title companies and signing services

Before Every Appointment — Quick Check

My commission is current and not expired

My seal/stamp matches my commission name

I have my notary journal with me

I have verified the signer's government-issued ID

The signer is present, willing, and appears competent

I am not a party to or beneficiary of this document

I understand what document type I am notarizing

My E&O insurance is current

Loan Signing Agent Hub — Step-by-Step Guide →← Back to My Portal