"There is only so much education I can absorb before diving in."
That may be true, but your experience kind of proves the point about how essential it is to know your state's notary law backwards and forwards FIRST. It's great that you're retaking courses (presumably about being a signing agent?), but knowing your stuff as a notary isn't the kind of thing you should figure out as you go... I agree with Sigtogo/OR that the title co may tell you anything just to get the deal done and keep their client (the lender) happy. YOU are the one whose signature is on the line and whose commission (and possibly much more) is at risk!
For whatever it's worth, my state doesn't allow temporary DLs to be used because they don't have all the elements my state requires. (I have no idea about Utah.) However, a wrong address wouldn't be an issue for me, as CA doesn't issue new DLs when someone changes their address. People move all the time, but an address doesn't prove their identity. On the other hand, does the signature match and the physical description of the person? And does the photo look like them? Does a temp DL in Utah even have a photo??
Most importantly, what does your state notary law say about what ID is acceptable and what isn't? That's the kind of thing you should know before you "dive in"! I can't count how many times I've been asked to do something by a title co that wasn't legal in my state.
Sorry if this sounds harsh. I know it took some guts to come back here and provide feedback on how things went. But please do take these recommendations seriously - for your own good!
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