Posted by wildflower on 11/11/11 10:26pm
Msg #403666

Ummmmmmmm Hmmmmmmmmmmm Security!!!!!!

Can someone please explain to me why on Gods good green earth are signing agents/notaries having to conduct additional background checks when you are required to FBI & DOJ sticking their lil fingers all in ya business before you can even become a notary?

Reply by Jim/AL on 11/11/11 10:46pm
Msg #403667

You are in CA and correct....FBI, DOJ, blood, urine and hair folicle...probably wheat germ and tofu content also.

But in many States like Alabama u just have to be breathing to become a notary.

It also allows them to stick their lil fingers in your wallet not jus ur business.

Reply by wildflower on 11/11/11 11:20pm
Msg #403672

I could have sworn I got a request for a DNA sample! This is ridiculous! LOL

Reply by Susan Fischer on 11/11/11 11:43pm
Msg #403676

It's all about due diligence, liability, compliance, and CYA

What makes sense to me is a Uniform Standard, preserving the original purpose of the Notary Public Commission by each states' SOS.

Some states have changed that universal premise, and politicized the process.

A Uniform Code makes a strong argument.

Reply by Notarysigner on 11/12/11 12:36am
Msg #403679

Maybe it's to see if you qualify for the prisoner early release program. Pays $2,000 per month to house an "early release" felon.

Be kind to your neighbor, they know where you live.

Reply by Buddy Young on 11/12/11 1:11am
Msg #403680

I tried to sign up with a SS the other day and they wanted another background check. I told them notaries in California were required to have a background check before becoming commissioned. They still wanted another one. I told them no, 1 is enough.

Reply by Lee/AR on 11/12/11 6:50am
Msg #403683

Jim/AL and Buddy have it right.

I recently received a 'contract' from a to-remain-unnamed, but quite misguided, company, part of which was that they could 'share my info' (SS#, BGC, and any other personal info they have)with...well, just about anyone who asked.

Uniform Code? It's my belief that any chipping away at State's Rights should be avoided.

I'd still like to know if any NSA

Reply by Lee/AR on 11/12/11 6:55am
Msg #403684

ooops... hit wrong key... continuing

Any NSA anywhere has ever done anything criminal with the info they have?

Note, I did not say 'notary'... as in those who are in cahoots with others in some mortgage scam. These notaries are NOT some NSA just hired for this job.

Reply by Bob_Chicago on 11/12/11 9:22am
Msg #403685

Re: At the risk of being beaten senseless by numerous

notary seals, I believe that it is far more efficient for a lender/tc to file its GLB compliance reports with a line that says something like.
"We require all Notaries who handle confidential borrower info to pass the following background check........." in lieu of
We have them pass the background cleck unless they are in CA where we believe the state checks pretty well, also we are not sure about Wyoming because when we called the SOS to check what they do about screening notaries, they were closed because deer season just started. We called Hawaii and they were out surfing. Alabama says that they don't check yet, but are thinking of staring soon, Illinois has applicants state that they have never been convicted of a felony, and we believe them (true) ,Wisconsin is busy with a lot of political stuff and said that they would get back to us, etc, etc"

Reply by JanetK_CA on 11/12/11 1:07pm
Msg #403693

Re: At the risk of being beaten senseless by numerous

IMO, you're only listing the two extremes. Surely there must be a middle ground, and I think it has to do with what comes after "the following background check..." If they said FBI, DOJ or some generic standard, CA notaries would automatically meet that qualification and others could then choose the carrier / provider they wish to use.

Instead, they name a specific vendor (e.g. XYZ), which means we potentially find ourselves paying multiple times for the same service - or being forced to do business with one organization some of us would rather not be associated with at all, if we want to do any work for that lender or tc. But like janCA indicated, I guess that's the point...

Reply by Yoli/CA on 11/12/11 5:01pm
Msg #403698

Re: At the risk of being beaten senseless by numerous

To those TC/SS who request a BGC from XYZ, I advise them of the California requirement and send them a copy of my NotRot BGC and ask if DOJ, FBI and the provided BGC are sufficient clearance for them.

Haven't had a single rejection.

Reply by MW/VA on 11/12/11 9:39am
Msg #403686

What about the other side of this issue. No bgc's required

of the companies we work for (SOX would be a great example) or the homes we need to visit. Our safety is at stake, after all.

Reply by wildflower on 11/12/11 9:46am
Msg #403687

Re: What about the other side of this issue. No bgc's required

I am not saying that no background check shouldn't be required simply because of the nature of the business, but to have checks after ole FBI & DOJ what next the CIA? come on, enough is enough!!!!!!!!

Reply by janCA on 11/12/11 11:42am
Msg #403690

Re: What about the other side of this issue. No bgc's required

Thank XYZ for all this.

Reply by NJDiva on 11/12/11 12:50pm
Msg #403691

It's ludicrous for them to require BGC's on CA NSA's...IMO

I absolutely agree. Could they do any more of a screening than those that CA performs? Makes ya wonder what kind of commission or percentage ALL of the companies get from doing that.

Sounds like a racket to me! I wonder if someday that'll be the FBI's next big bust!? A conspiracy type of thing. Across state lines and all. Hmmmm, do I detect a class action lawsuit in the works????

Reply by Notarysigner on 11/12/11 1:03pm
Msg #403692

Re: It's ludicrous for them to require BGC's on CA NSA's...IMO

I would like to know what company that pays over $80 requires another BGC...That's the key. IMO

Reply by JanetK_CA on 11/12/11 1:09pm
Msg #403694

GOOD QUESTION!!!!! n/m

Reply by Buddy Young on 11/12/11 4:34pm
Msg #403695

Re: It's ludicrous for them to require BGC's on CA NSA's...IMO

I wonder if the SS that require an additional background check is getting some kind of a kickback from the company doing the background checks. That would not surprize me.

Just another way to squeeze some more money out of us.

Reply by Les_CO on 11/12/11 4:55pm
Msg #403697

Some lenders and some underwriters are now requiring that SS and Title Companies that subcontract some of their closings/signings to Notaries require the said notaries to have a criminal background check. End of story. Why? I don’t know or care, I have it, it seems necessary, as is (in some cases) a bond, or E&O insurance. Kind of like having a laser printer, or a computer, a cell phone or a car. If you want to be in this business best to have it. Where you get it should be your choice. JMO

Reply by LisaWI on 11/12/11 5:15pm
Msg #403700

Re: Ummmmmmmm Les.....

If that would be the case, then why hasnt one of my local Wi title companies asked me for one? I work for a lot of Wi Title Comps. And I have asked them if they have heard anything about requiring their subcontractors to have a bgc from any of the lenders or the underwriters that they work with and the answer is always no.....these companies work with some of the same lenders and underwriters that national title companies use, so this isnt really making any sense from this perspective.....

Reply by Les_CO on 11/12/11 8:18pm
Msg #403702

Re: Ummmmmmmm Les.....

I know for a fact that some now are. I don’t really want to name names here. Why your local Title Company hasn’t asked you for a BGC I can’t say. My point is it now necessary for some, and I believe it will soon be necessary for all. Anyone can get one free, or pay for one at someplace like here at NR. What’s the big deal?

Reply by Buddy Young on 11/12/11 6:03pm
Msg #403701

Re: les, you missed the point

I have a background check with the DOJ and FBI. Why would i need another one?

Reply by Les_CO on 11/12/11 8:26pm
Msg #403703

Re: les, you missed the point

I don’t see why you would. If you have it send it to them, just like asking for proof of insurance, or a copy of your commission, or a tax ID number. If you are talking about companies that require a particular companies BGC like the one offered by the NNA…I think that’s total BS. Tell them to shove it. This business is hard enough to do working with good people…one needn’t suffer fools.

Reply by Buddy Young on 11/12/11 8:48pm
Msg #403704

Re: I did tell them to shove it!!!! n/m

Reply by Les_CO on 11/13/11 10:15am
Msg #403741

Re: I did tell them to shove it!!!! Buddy

Buddy I did not understand that although as a CA notary you must have a BGC but you don’t get a copy of such. Anyone including CA notaries can get a free BGC. I’m reluctant to post exactly where because Harry sells that service here, and his is FAST. It takes a little time and paperwork to get a free one. Send me a PM and I’ll tell you where.

I understand that the lenders/ TC’s should say all NSA’s that are ‘not’ required to have a BGC to be commissioned are required to send a copy of one. That would make sense, but would require that someone make a decision as to which notaries would have to have a BGC and which would not…easier to just say “all”, and stick the (unread) copy in a file somewhere. JMO

Reply by Notarysigner on 11/13/11 6:17pm
Msg #403773

The only reason why see my post above JanetK n/m