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Re: WHOA! Discover Bank
Posted by  JanetK_CA of CA on 2/1/18 2:16am Msg #589327
So far, it looks like the verdict is unanimous and everyone who has posted disagrees with you. I'm not aware of any statute here in CA or elsewhere that addresses the document creation or effective date. As an NSA, our responsibilities regarding dates on documents are essentially limited to two things (unless specifically instructed that they're date-sensitive). The first is that the date on our notary certificates is correct. The second is that the RTC period allows for a MINIMUM of three business days for each signer - and with some lenders, they might not be the same three days, if it's a split signing. Other lenders will just extend the rescission period for the first signer so they end on the same date, just to keep it simple.

It's understandable that you'd come to the conclusion you did because of the situation you had with the County Recorder's office, but we need to always be aware that their staff can make mistakes, too. That's just one more reason for us to be certain to be on top of our state's notary laws.
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Messages in this Thread
 WHOA! Discover Bank -  dww on 1/31/18 2:58pm
 Sometimes I get confused... - NVLSlady/VA on 1/31/18 3:09pm
 Re: Sometimes I get confused... -  dww on 1/31/18 3:14pm
 I don't know of that statute. could you post a link? n/m -  sigtogo/OR on 1/31/18 3:28pm
 Re: WHOA! Discover Bank - pan/nd on 1/31/18 3:09pm
 Re: WHOA! Discover Bank -  dww on 1/31/18 3:17pm
 The date on the docs is the transaction's effective date -  Teresa/FL on 1/31/18 3:23pm
 Exactly! n/m -  sigtogo/OR on 1/31/18 3:27pm
 Re: The date on the docs is the transaction -  dww on 1/31/18 3:46pm
 Re: WHOA! Discover Bank -  Cheryl Elliott on 1/31/18 3:26pm
 Re: WHOA! Discover Bank -  dww on 1/31/18 3:47pm
 Re: WHOA! Discover Bank -  sigtogo/OR on 1/31/18 4:16pm
 Re: WHOA! Discover Bank -  Cheryl Elliott on 1/31/18 5:18pm
 Re: WHOA! Discover Bank - Clem/CA on 2/1/18 11:19am
 IMO you're making a major issue out of a non-issue - Linda_H/FL on 1/31/18 4:12pm
 have to agree with Teresa, Donna, and Linda - notarydi/CA on 1/31/18 5:03pm
 Do not change dates on loan package -  Ilene C. Seidel on 1/31/18 5:02pm
 Discover Bank Is Correct - PegiT_MN on 1/31/18 5:37pm
 IMO you crossed the line into UPL. It's not unusual for -  MW/VA on 1/31/18 6:33pm
 Re: WHOA! Discover Bank -  JanetK_CA on 2/1/18 2:16am
 Nice. n/m - NVLSlady/VA on 2/1/18 9:05am
 Re: WHOA! Discover Bank - PMB_WashSt on 2/1/18 1:39pm
 Re: WHOA! Discover Bank - Luckydog on 2/3/18 10:20am
 Date of EXECUTION - Jo worr on 9/8/19 2:36pm



 
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