Posted by Allan Eu on 11/22/06 11:00pm
Msg #161747

Our industry is being hi-jacked again and again

There are thousands of non-licensed loan officers or AE’s out there. All they have to do is to take two $10.00 online courses "Agency" and "Ethic" and they can conduct mortgage loans and collect private information from consumers’ so why are they exempt from even one background check?
Are bank employees also exempt from background check and extensive education toward ethic and knowledge? They are … because they are under the roof of “Corporate America”
Meanwhile, as a licensed real estate agent my background was checked by the FBI and DOJ (an extensive one) then I am also a notary public therefore, my background was checked again (an extensive one)

NNA wants to conduct notary public background check every year, which costs $159 a shot. How convenience!

The law enforcement agencies cannot solve the ID theft crime so the NNA and other outfits got their reason to cash in. It is called when there is a crisis there’s an opportunity.
So instead of solving the problem they punish the notary publics and prioritize.

Now what them black list me for this.

Reply by John_NorCal on 11/23/06 12:17am
Msg #161763

Can you tell us how you really feel Allan? n/m

Reply by Allan Eu on 11/23/06 5:51pm
Msg #161817

Re: Can you tell us how you really feel Allan?

Hello John,

Happy Thanksgiving!
I grew up as a survivor since age 8 in boarding schools. I learned to roll with ordeals and find positive outcomes. However, some stuff is just getting old and smelly!
This is no different than our health care/pharmaceutical system (without having to get into it) certain agencies are nothing but profiteering professionals.
My mother was a columnist for a major Hong Kong newspaper who fought for the underdogs. Lesson learned from her career … Say Less.
One of my relatives was a government official who went the extra mile for anyone who asked. Lesson learned … how do you do the right thing without stepping onto other politicians toes?
Best Regards

Allan Eu
CA Notary Public / Licensed Agent

Reply by Allan Eu on 11/23/06 6:05pm
Msg #161818

Re: Can you tell us how you really feel Allan?

Hi again John,

Please allow me to correct the last word on my first post.
It should be: "So instead of solving the problem they punish the notary publics and PROFITEER.

thanks

Allan Eu

Reply by ReneeK_MI on 11/23/06 3:55am
Msg #161771

employees inside are far from exempt

Where does the idea that SA's are being singled out and held to higher standards than the 'inside' people come from?? While I will not accept a CBC protocol that in my opinion violates anti-trust laws - I do accept and agree that SA's should be brought up to many of the same standards of protecting the public's privacy/security interests as employees inside the industry are held to.

The last 3 corporate employers that hired me, over the past DECADE have:

1) performed extensive CBC's
2) including CREDIT checks
3) drug tested
4) finger-printed
5) confirm any/all diplomas, degrees, certifications, etc.

The last one also did pre-employment PERSONALITY 'profiling' (not something I agree to, but had no choice if I wanted the job) and skills-testing. On TOP of all that - some of the larger corporations have a policy of hiring you through a temp service for the first 90 days (makes it easier to dump you if things ... um ... don't work out.)

Furthermore, inside 'corporate America' in this industry - you are subject to random 'surprise' visits by Federal governing bodies as well as internal QC folks who can bring about fines, or cost you your job upon walking in and finding things as seemingly 'mundane' as an unattended desk (you ran to the bathroom?) with an open file on it, or a monitor left showing any private information. Warning: they WILL check your waste basket also!

You will be subject to countless meetings, seminars, tests, required reading handouts, etc. to teach/test your required knowledge of Federal and State laws, mandates, protocol.

So - suffice to say that those inside are run through the proverbial ringer.

It continually baffles me that so many people would assume the 'inside' isn't subject to such things - and why would/should WE not be? The need for this isn't the beef - it's the manner in which it is being presented, and the monopoly that's being attempted.

Reply by MC_oh on 11/23/06 7:47am
Msg #161778

Re: employees inside are far from exempt

I seems to really depend on the company. Sometimes its a matter of what the company's insurance carrier demands.

I've worked for a small, family owned company that required background check and drug screening for an office position. In that job, I was did not see any confidential information.

I've also worked for a very large, nationwide company that specializes in tax preparation. In that position, I had knowledge of all of the client's finances as well as the ss numbers for the whole family. I also was able to open financial accounts for the client. This company did not even check references for hire. They had a written policy about confidentiality that had to be signed with the contract.

There just doesn't seem to be any standard.

Reply by LkArrowhd/CA on 11/23/06 9:25am
Msg #161793

Re: MC you are right on target, there is no rule of thumb

for everyone or everything, large or small, family owned, nationwide........no one really knows who what or where your information may be going or seen by......ANYTHING ABOUT ONESELF......BELONGS TO ONLY YOU AND YOU DECIDE WHO NEEDS TO SEE IT OR NOT.....

Reply by John_NorCal on 11/23/06 10:01am
Msg #161796

Re: employees inside are far from exempt

OK, after my rather flip answer to Allan, I have to say that I agree with Renee and MC. While we have to go through a state mandated back ground check for our commissions, it is still up to the individuals and the companies that they deal with to adhere to standards of confidentiality. I feel this whole issue of BGC are motivated primarily by greed on the part of the NNA and a "sky is falling" attitude from some of the major title companies. While a thorugh BGC will or may reveal issues from a persons past, it is still up to the individual and/or affected companies to implement and adhere to a privacy policy. As has been pointed out by Renee and MC it may be super thorough or it could be with a "come what may" attitude. The ultimate responsibility lies with concerned individuals.

Reply by Mia on 11/23/06 12:37pm
Msg #161804

Doing a BGC

How is a background check on a Notary going to protect the confidental
information of any borrower?

Since each State has different Notary Laws, why hasn't the Federal Gov't
approached each State and asked that certain requirements be implemented?

JMO - this is just another Dog and Pony Show with certain people making money
off of it.

Reply by texNcally on 11/24/06 1:21am
Msg #161843

Re: Doing a BGC

I am lost on this since here in California we have to go through all the background checks before we become a notary. Does no other state do this? I wouuld just refer them to the state office where I am commisioned through if they want to know about passing a background check. I have read many of the posts on this and I would have to ask the company that says I need another backgrouund check if I can see the background check on them as an employer. Who has checked them out, who has determined they are honest?
We are an impartial witness with no money on the line. I say tell them to call your real boss the secretary of state.

Reply by Distant1 on 11/24/06 10:39am
Msg #161872

Re: Doing a BGC

Wouldn't it be wonderful if we, as notaries, started requesting MANDATORY CREDIT CHECKS and FINANCIAL INFO on the SS's? That way, we would know that we were going to get paid....LOL

This whole topic just gives me the heebie jeebies

Just my opinion....

Reply by Stamper_WI on 11/24/06 8:23am
Msg #161857

Re: Doing a BGC

Its been a very long time since I studied US Government. But I seem to remember something about the Fed Gov cannot dictate state laws.

Reply by flexono on 11/24/06 7:07pm
Msg #161919

Re: Doing a BGC

Right on. Only if it is a matter of National security. We are comm. by a State not the Feds and certainly not the NNA.