Digital closing Archives - 星空传媒 星空传媒 Title Insurance Co. /tag/digital-closing/ #AgentsFirst Fri, 20 Feb 2026 17:14:48 +0000 en-US hourly 1 https://wordpress.org/?v=7.0 /wp-content/uploads/2023/03/cropped-星空传媒_星空传媒_logo_web_blue_small-32x32.png Digital closing Archives - 星空传媒 星空传媒 Title Insurance Co. /tag/digital-closing/ 32 32 How New Fraud and Notarization Laws Affect Real Estate Closings /2026/02/19/how-new-fraud-and-notarization-laws-affect-real-estate-closings/ /2026/02/19/how-new-fraud-and-notarization-laws-affect-real-estate-closings/#respond Thu, 19 Feb 2026 20:20:00 +0000 https://anticlive.azurewebsites.net/?p=8249 A Practical Look at the Legal Environment Behind 鈥淰erify, Then Trust鈥 By: Elyce Schweitzer, 星空传媒 星空传媒 Regulatory Compliance Officer Artificial intelligence has made fraud more convincing and more difficult to spot. As we explored in our earlier piece on deepfake-enabled fraud, today鈥檚 bad actors can impersonate real parties, voices, and documents with a level of sophistication that would have been ...

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A Practical Look at the Legal Environment Behind
鈥淰erify, Then Trust鈥

By: Elyce Schweitzer, 星空传媒 星空传媒 Regulatory Compliance Officer

Artificial intelligence has made fraud more convincing and more difficult to spot. As we explored in our earlier piece on deepfake-enabled fraud, today鈥檚 bad actors can impersonate real parties, voices, and documents with a level of sophistication that would have been unimaginable just a few years ago.

In response, lawmakers and regulators are strengthening the legal tools available to prosecutors, civil enforcers, and courts. These developments don鈥檛 rewrite core fraud principles, but they do change how those principles apply to real estate closings 鈥 and they reinforce the value of careful verification.

Understanding this evolving landscape helps explain why it鈥檚 so important to Verify, Then trust 鈥 every file, every party, every time.  

Fraud and Impersonation: Statutory Tools That Matter

States are updating their criminal and civil fraud statutes to make it clearer that impersonation using modern technology is not a technical loophole but a prosecutable offense.

For example, in Texas, (effective September 1, 2025) amended Chapter 32 of the Texas Penal Code by adding Sections 32.56 and 32.57. Section 32.56 makes it an offense, with intent to enter or remain on real property, to knowingly present to another person a false, fraudulent, or fictitious document purporting to be a lease agreement, deed, or other instrument conveying real property or an interest in real property. Section 32.57 makes it a first-degree felony to knowingly list, advertise, sell, rent, or lease residential real property without legal title or authority.

In practice, these sections clarify that impersonation involving falsified property documents constitutes fraud, even when the deception relies on digital or AI-assisted tools. Notably for title agents, when such cases are investigated or litigated, the analysis may extend beyond the fraudulent act itself to examine how the transaction progressed, including what steps were taken to confirm identity and authority before reliance occurred.

The Role of Notarization and Remote Online Notarization

Notarization has become a critical built-in safety mechanism for property transactions. States that authorize Remote Online Notarization (RON) typically require defined identity-verification procedures, which may include multi-factor authentication, recorded sessions, and retained audit logs.

These requirements do more than check a box. They create layers of verification that are observable after the fact. When fraud does occur, prosecutors, judges, and civil litigants may scrutinize whether these verification layers were followed.

In other words, notarization statutes don鈥檛 replace professional diligence 鈥 but they codify expectations for how identity and intent should be confirmed and documented.

Expanding Definitions of Deceptive Communication

Other states have updated their fraud laws to explicitly cover realistic representations made with advanced technologies. , effective April 2, 2025, defines 鈥渄eceptive audio or visual media鈥 as the use of highly realistic representations of speech, conduct, or writing where the subject did not actually engage in that conduct. The statute criminalizes generating, soliciting, disclosing, or using deceptive audio or visual media for the purpose of attempting or furthering the commission of a crime or offense, or with knowledge it will be used for that purpose.

takes a broader approach by recognizing that sophisticated communications techniques, including those enabled by technology, play a central role in modern fraud schemes. The statute consolidates fraud and organized fraud offenses, aligns state law with federal mail and wire fraud precedents, and includes enhanced penalties for certain first-degree felony offenses. It also provides civil remedies related to identity misuse and sets limitation periods and tolling rules that account for defendants who are absent from the state or lack an ascertainable address.

These statutory definitions reinforce something title professionals already know from experience: fraud is not defined by medium but by intent and effect. A voice message, video call, or carefully worded email can be just as fraudulent as a forged signature on paper. What matters is whether it induces action based on false representations.

Federal Reporting and Awareness Efforts

At the federal level, activity has focused on understanding and reporting on the risks associated with AI technologies. For example, legislation passed in connection with the 2021 星空传媒 Defense Authorization Act (NDAA) the Department of Homeland Security to produce annual reports on digital content forgery technology. 鈥 the core technology behind deepfakes.

For those of you who enjoy reading more technical material, the is available for your enjoyment.  A review of the report makes it clear that the technology and its potential for harm to our industry is complicated.

These federal efforts help catalog the risks and raise awareness across industries, but they do not change state criminal or civil liability in property transactions. Instead, they improve the information environment in which professionals and regulators operate.

What This Means for Title Professionals

When closings are reviewed after fraud occurs, the focus will likely shift to whether steps were taken to verify identity, authority, and intent, and whether those steps were reasonable under the circumstances. This reflects how fraud is often evaluated after the fact: technology may enable new methods of deception, but it does not change the underlying wisdom: Verify, Then Trust before acting.

The Bottom Line

Regulatory and statutory changes are not abstract developments. They reflect how lawmakers and enforcers are applying long-established fraud principles to modern threats.

Deepfakes and AI-enabled impersonation present real risks in real estate transactions. The truth is, when fraud is investigated or litigated, attention will likely shift beyond the technology itself to how the transaction unfolded, including whether identity and authority were meaningfully confirmed before reliance occurred.

For agents who incorporate verification as a routine part of their workflow, 鈥淰erify, Then Trust鈥 functions as a practical risk-management framework. It aligns with the way fraud is examined after the fact and supports defensible decision-making when transactions are questioned. Applied consistently, this approach helps protect the transaction, the parties involved, and the professionals responsible for bringing the deal to completion.

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Top Fraud Concerns to Watch Out for in 2026 /2026/02/19/top-fraud-concerns-to-watch-out-for-in-2026/ /2026/02/19/top-fraud-concerns-to-watch-out-for-in-2026/#respond Thu, 19 Feb 2026 00:32:22 +0000 https://anticlive.azurewebsites.net/?p=8253 Keep every file and every party safe by usingthese best practices every day By Mauri Hawkins, Chief Claims Counsel, 星空传媒 Title pros know that fraud is a big problem in our industry, but the available data is still eye-popping. In 2024, the American Land Title Association (ALTA) reported that fraud and forgery claim costs averaged over ...

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Keep every file and every party safe by using
these best practices every day

By Mauri Hawkins, Chief Claims Counsel, 星空传媒

Title pros know that fraud is a big problem in our industry, but the available data is still eye-popping. In 2024, the American Land Title Association (ALTA) reported that fraud and forgery claim costs averaged over $143,000 per incident.[i] Such losses can significantly impact a typical agency鈥檚 business, which makes prevention your best defense. To help, we鈥檝e outlined 2026鈥檚 top fraud threats as well as strategies for spotting them early and protecting every file, every party, every day.

Why redouble our focus on fraud in 2026?

Fraud in 2026 harms businesses in a way that goes beyond dollars and cents. Fraud can also inflict major reputational damage, leading to lost referrals and, quite possibly, the closure of your business itself. In short, fraud and forgery can derail your company鈥檚 goals and prospects in both the short and long term. These serious consequences highlight why we must scrutinize the details of every file that comes across our desks鈥攑articularly from the insidious schemes we will explore below.

Seller impersonation is a danger

First up is seller impersonation. Increasingly common, seller impersonators pose as property owners and sell properties out from under the real owners without their even knowing. Given how widespread it has become, agents must never eyeball ID documents. ID-verification tools must be used on every file, every party, every day instead. Agents must also take time to scrutinize notary seals and the notaries themselves. When possible, avoid mail-away closings and use a reputable remote online notarization (RON) provider. Also, validate IDs at the time you receive an order, as this helps stop fraud in its tracks! And finally, educate your real estate agents, lenders and consumers on the very real risk of losing their money.

Vacant land sales pose a real threat

Vacant land remains another top fraud target in 2026. It is driving a huge share of claims nationwide and can get wildly expensive.

To cut down on these claims, ID-verification tools are again your best friend. Apply them to every file at the beginning of each order. That way, you can properly verify the parties involved and not waste time on bogus deals.

You should also always contact vested owners at a trusted address, whether by email or by mail, to confirm the sale. Finally, stay on guard for red flags like recent address changes or sudden changes to entity information located in the Secretary of State records. Those are go-to moves that sophisticated fraudsters love to deploy.

Fight back against payoff fraud

At 星空传媒 星空传媒, we are also seeing a sharp rise in payoff fraud. These involve bad actors injecting themselves into the payoff process and rerouting funds away from the real lender or servicer and into their own bank accounts. Fraudsters have gotten good at compromising payoff mechanisms鈥攆rom email to fax. Given that, the principle of Verify, Then Trust matters more than ever before.

Some best practices to remember include:

  • Never accept payoff info from a party to the transaction.
  • Prior to sending funds, confirm with the lender, using independently verified contact information, the wire information or payment address.
  • Follow the verified lender instructions exactly and double-check payment details before disbursing.
  • Treat any last-minute changes or 鈥渘ew鈥 payoff directions as a major red flag, and contact the lender directly at the independently verified contact information before taking any further action.

For more best practices, managers should review  on handling payoffs securely and share it with their agents.

Staying cyber smart

No conversation about fraud in 2026 would be complete without touching upon cybersecurity concerns, particularly from phishing emails. Cyberattacks are one of the most common ways fraudsters can attack our industry. In fact, data reveals that over $16 billion in losses resulted from cybersecurity issues alone.[ii]

The silver lining is that we have a powerful way to prevent cybercrime and stem these losses. The numbers show that one of the most consistent reasons why a cyberattack is successful has to do with human error. Implementing security awareness training for your agency can reduce the likelihood of a fraudster pulling a fast one by 70-90%.[iii]

Strong cyber insurance is also essential for agencies to protect themselves from fraudsters. Review your policy鈥檚 terms and conditions thoroughly, institute processes and procedures for the team to follow in each transaction, and document each file with the actions taken to show that the processes and procedures were followed. This is highly important for when a claim is made under the cyber insurance policy.

You have a partner in the fight against fraud

At 星空传媒 星空传媒, we鈥檙e here to support you in the fight against fraudsters. We have resources that can help:

  • 星空传媒 星空传媒 Crime Watch Program: If an 星空传媒 星空传媒 agent鈥檚 employee spots and prevents possible fraud, agency management can nominate that employee to receive an award. Find more information here about the program.
  • The 星空传媒 星空传媒 Fraud Prevention Tips: Find handy best practices for spotting and stopping fraud with this tip sheet.
  • ID Verification Tools: Explore today鈥檚 top platforms and make sure your team is trained on the right policies and best practices. 星空传媒 星空传媒 agents, for example, 鈥攁 leading identity verification provider.

You鈥檙e ready to face fraudsters

Armed with these tools and knowledge of 2026鈥檚 top fraud threats, you鈥檙e ready to spot bad actors and act before a scheme escalates into a loss.  Just remember to never take anything at face value and to verify before you ever extend your trust. By approaching your files with the mantra of 鈥淰erify, Then Trust鈥 in mind, you can rest easy knowing you鈥檝e protected every file, every party, every day.  


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Level Up Your IT Game In 2026 /2025/12/17/level-up-your-it-game-in-2026our/ Wed, 17 Dec 2025 22:02:42 +0000 https://anticlive.azurewebsites.net/?p=8064 Our IT director shares three recommendations for optimizing your tech stack By: Bryan Johnson, IT Director, 星空传媒 With the new year upon us, it鈥檚 time again for my annual roundup of tech trends to watch in the months ahead. After over 20 years in software development and IT, I can safely say that technology best practices ...

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Our IT director shares three recommendations for optimizing your tech stack

By: Bryan Johnson, IT Director, 星空传媒

With the new year upon us, it鈥檚 time again for my annual roundup of tech trends to watch in the months ahead. After over 20 years in software development and IT, I can safely say that technology best practices are changing all the time鈥攐ften with blazing speed. It鈥檚 essential for businesses to stay aligned with the latest developments. By following these recommendations, you can do just that and ensure your technology stack fires on all cylinders in 2026.

Make 2026 the year you get AI right

While the constant stream of AI coverage has become overwhelming in the last few years, don鈥檛 tune it out. AI really can have a transformative effect on your business. Many have already recognized its potential, with three in four companies using AI to optimize at least one business function.[i] In 2026, this trend will only accelerate, with more businesses adopting AI agents to:

  • Automate production workflows bysearching and summarizing documents, generating emails and tracking deadlines, all of which can accelerate closings.
  • Boost security by flagging anomalies, verifying identities and maintaining communication, which enhances trust.
  • Support compliance by using AI to check disclosures and maintain audit logs.

If you haven鈥檛 started using AI yet, you don鈥檛 need to be intimidated. To get started, just pick one or two high-volume, low-risk tasks where you can test out a pilot program. Assign a staff member to 鈥渙wn鈥 the program, choose your tool and define your metrics of success. After 30 days, if you like what you see, you can expand the program. If not, simply retool and try something else.

Zero trust = fewer security issues

I鈥檝e talked about zero trust a few times on this blog, but it remains a critical security protocol for agencies to adopt in 2026. For a while now, the cybersecurity field has basically adopted 鈥淢urphy鈥檚 law.鈥 We assume data breaches are a matter of when鈥攏ot if. This framework is smart because it prioritizes protecting identities and data when these inevitable breaches occur.

Agencies would be well advised to align with this security approach, as the data shows, breaches are becoming far more common. Sixty-five percent of organizations were, in fact, hit by a ransomware attack in 2024.[ii] If you are ever unlucky enough to be one of those statistics, you can mitigate the fallout if you have highly stringent security protocols in place, such as:  

  • Universal MFA adoption for email, production software, escrow platforms, remote access and cloud tools. Collectively, this reduces the likelihood of a stolen password compromising your entire operation.
  • A strong 鈥淶ero Trust鈥 mindset, which assumes every device, user and connection could be compromised, and that users should only be given the minimum access required to do their jobs.
  • Thoughtful, cautious third-party controls that treat every IT vendor, platform and integration as a potential attack vector. To safeguard against potential vulnerabilities, agencies should ask vendors for security documentation, avoid shared logins, limit vendor access and make sure incident-response expectations are baked into any contracts.

Once you have security controls like these set up, you鈥檒l be in a strong position to prevent wire fraud and reduce downtime. You鈥檒l also demonstrate to stakeholders that your agency is taking cybersecurity seriously in 2026.

Go 鈥渄igital first鈥 in 2026

Perhaps the most substantive IT change over the past few years in the title industry has been the normalization of all-digital closings. Remote online notarization (RON) usage, for example, has dramatically surged, with one study showing an astounding 40% increase.[iii] Agencies that stay current with these shifting expectations will gain in 2026. Not only is it a great competitive differentiator, but digitizing your operations can also improve your operational efficiency, strengthen compliance and even expand your customer pool.

Just like with AI, digitizing your process doesn鈥檛 need to feel overwhelming. You can begin by tackling just one closing with one customer. Work with your IT team and/or provider to confirm what RON or e-signing tools you have at your disposal and how you can use them compliantly. Then, chart out your process and implement it.

Don鈥檛 forget to compile data on how digitalization impacted your turn times, what pain points you encountered and what feedback you received from your customers. That last part is arguably the most important, as you will need it to iterate for future improvement.

Be open to opportunity

The poet Edith Lovejoy Pierce once wrote, 鈥淲e will open the book. Its pages are blank. We are going to put words on them ourselves. The book is called 鈥極pportunity,鈥 and its first chapter is New Year鈥檚 Day.鈥 I think this is a good way to sum up what I鈥檝e been trying to convey with this blog. We鈥檝e covered just a few of the ways to improve your agency鈥檚 technology stack in 2026, and by extension, how you deliver for customers and grow your business. If you鈥檙e open to experimenting with new technologies and laying the groundwork for more secure systems, you can seize these opportunities as the holidays end and the new year begins. Rest assured, your customers will thank you for it.


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The Tech Tools I Am Most Thankful For /2025/11/21/the-tech-tools-i-am-most-thankful-for/ /2025/11/21/the-tech-tools-i-am-most-thankful-for/#respond Fri, 21 Nov 2025 00:52:05 +0000 https://anticlive.azurewebsites.net/?p=7970 By Bryan Johnson, IT Director, 星空传媒 From AI and analytics systems to cybersecurity and compliance tools, there鈥檚 a lot to appreciate in our current tech landscape. Like many folks, I always think about what I am thankful for around this time of year. It鈥檚 a long list, ranging from my health and family to my coworkers ...

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By Bryan Johnson, IT Director, 星空传媒

From AI and analytics systems to cybersecurity and compliance tools, there鈥檚 a lot to appreciate in our current tech landscape.

Like many folks, I always think about what I am thankful for around this time of year. It鈥檚 a long list, ranging from my health and family to my coworkers and the many agents we serve across the country. One other thing I deeply appreciate is the many tech innovations that have made it easier for us to pursue our industry鈥檚 priorities while also staying safe online. In honor of the approaching holidays, I thought I would share some of my favorite tech tools and applications that are helping agencies complete their essential work.

Cybersecurity advances

If you are a regular reader of mine, then you know I during October鈥檚 annual Cybersecurity Awareness Month. The subject is so important to those in title, however, that it merits mention here as well. There are several recent advances that deserve attention. AI-powered security tools are making it simpler to detect tampered deeds, altered IDs and forged income or asset documents. Secure portals, multi-factor authentication and powerful wire verification methods are also lowering risk. None of this replaces rock-solid procedures and training, of course. But thanks to technology, title professionals can spend more time serving customers and a little less time worrying about bad actors targeting their transactions.

AI applications

Although AI undoubtedly complicates the IT and security landscapes on one hand, it is also giving agencies important tools to streamline operations and protect critical systems and data. Whether you want to automate routine tasks or flag and respond to security incidents in real time, AI is quickly becoming indispensable in our field. I鈥檓 super grateful for how these emerging technologies are lightening the heavy loads of many of my peers and empowering agencies to focus more on service and relationship building.

Compliance technology

Similarly helpful are the advances we are seeing in compliance and RegTech. I don鈥檛 have to tell you that our industry carries some complex reporting and compliance requirements. FinCEN Geographic Targeting Orders. BOI-related workflows. TRID disclosures. Privacy laws. Simply put, there is a lot to keep in mind when trying to operate a compliant and successful agency. Yet technology innovation is gradually cutting the time and effort involved in satisfying these obligations. There are tools available now for automatically collecting required data during intake and pre-closing, before generating and storing compliant reporting. With the right tech tools, it has also become easier to run OFAC/sanctions checks and flag issues in real time. All in all, these technologies are streamlining workflows and eliminating clunky manual processes that slow transactions and stymie profitability.

CRMs

In addition to improving agency efficiency and security, technology is also making it far simpler to promote your business and engage with customers. Customer relationship management software (CRMs) is one such example. CRMs provide greater visibility into where your business comes from and offer features geared toward nurturing long-term customer relationships. With a solid CRM in place, you can integrate it with your title production system, automatically log files and initiate status updates. These systems reduce missed opportunities, create organized customer pipelines and unify the work of different departments by providing a single source of truth.

RON and eClosings

Even before the pandemic, customer expectations across industries had been moving decidedly in a digital-first direction. Our industry has slowly adapted to meet this evolving trend, with states across the country gradually moving to allow for remote online notarizations and eClosings. Customers and agencies alike have benefited from this cultural and legislative shift. With RON technology, stakeholders can sign documents via secure audio-video sessions, complete with credential checks. Agencies gain better and more auditable notary logs as a result and reduce the risk of fraud with high quality identity verification technology.

Thanks to technology and title agents like you

Title insurance can be challenging field, which is why I鈥檓 thankful for the technology advances on this list. Because of these innovations, it has become far easier for agencies to pursue their business goals and do more with less. Of course, technology is only as useful when implemented. So, I must also extend my gratitude to all the agencies investing in their operations and creating better and more secure experiences. Through your efforts, our industry is far better off, as are the customers and communities who rely on us.

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From Stamps and Paper Cuts to Clicks and Screens: The Tech Revolution in Title Insurance /2025/10/24/from-stamps-and-paper-cuts-to-clicks-and-screens-the-tech-revolution-in-title-insurance/ /2025/10/24/from-stamps-and-paper-cuts-to-clicks-and-screens-the-tech-revolution-in-title-insurance/#respond Fri, 24 Oct 2025 01:32:31 +0000 https://anticlive.azurewebsites.net/?p=7883 We鈥檝e Come a Long Way, Folks By: Elyce Schweitzer,Regulatory Compliance Officer, 星空传媒 For most homebuyers, even five years ago, the experience was familiar: a conference room, a stack of papers taller than a coffee cup, and an aching wrist from signing your name what felt like 437 times. Title insurance鈥攅ssential though it is鈥攚as part of that ...

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We鈥檝e Come a Long Way, Folks

By: Elyce Schweitzer,Regulatory Compliance Officer, 星空传媒

For most homebuyers, even five years ago, the experience was familiar: a conference room, a stack of papers taller than a coffee cup, and an aching wrist from signing your name what felt like 437 times. Title insurance鈥攅ssential though it is鈥攚as part of that long, paperwork-heavy ritual. Fast forward to present day, and the industry is in the middle of a transformation. Over the last several years, title insurance has quietly gone digital, automated, and even futuristic in some places. Let鈥檚 take a tour of what鈥檚 changed.

Digital Closings: Say Goodbye to the Paper Stack

Picture this: instead of driving across town to a title agency or a lawyer鈥檚 office, you鈥檙e sitting in your living room, coffee in hand, while a notary verifies your identity over video. Consumers sign documents electronically, and the county records the deed the same day.

This isn鈥檛 science fiction鈥攊t鈥檚 now reality in most states.

  • Remote notarization (signing over video with an online notary) is legal in almost every state.
  • eMortgages with their digital 鈥渆Notes鈥澛爎epresent loans which big players like Fannie Mae and Freddie Mac happily purchase on the secondary market.聽The GSEs now publish clear rulebooks spelling out when they鈥檒l accept full digital closings, partial digital closings, or traditional paper.

This consistency has made it much easier for lenders and title companies to modernize without fear of rejection.

  • According to , electronic recording is available in 2,607 counties nationwide, so the 鈥渨aiting for the mail鈥 stage is nearly gone, and the time it takes to run over to the courthouse can be better spent on聽other essential title agent tasks.聽 The number of counties accepting electronic recording is only going to continue to grow.

The result? A process that once required customers to drive across town with pen in hand now happens through a few clicks and a video call.


Artificial Intelligence: The New Title Assistant

Artificial intelligence (AI) has found its way into title insurance too鈥攁nd not in a creepy 鈥渞obot lawyer鈥 way.

  • Computers can now scan public records in minutes to spot simple cases that used to take days.
  • Smart assistants help staff open orders, draft commitments, pull tax information, and vesting deeds and even write emails.
  • Connected systems cut down on the mind-numbing retyping of names and addresses into multiple platforms.

This doesn鈥檛 mean human players in the process have been replaced. Instead, it frees up title professionals to focus on the tricky stuff鈥攍ike unraveling messy ownership histories or catching hidden liens鈥攚hile the software handles the repetitive grunt work.


Battling Fraudsters: Keeping Closings Safe

Whenever money moves, crooks are never far behind. Real estate closings are still prime targets because they involve large sums of money. The industry has responded with new layers of armor:

  • Wire fraud protections. Verification tools double-check bank account info before money is sent.
  • Fake-seller scams. Fraudsters pretending to own vacant land are being stopped by tougher ID checks and stricter notary rules and processes.
  • Multi-step identity proofing. Online notarization often requires scanning your ID, answering 鈥淜nowledge Based Authentication鈥 security questions, and even facial recognition.
  • Guidance from industry associations, regulators and stakeholders.聽 All of these stakeholders have ramped up their messaging, education, and training efforts to combat fraud. Delivering the information electronically through email, webpages, eNewsletters, webinars, social media, and other modern methods make it widely accessible for all participants in the industry. 聽Tip: check out the recent update to which recommends every title and settlement company create and implement an Identity Fraud Prevention Program.

Buying a home will always be stressful, but with today鈥檚 safeguards, agents can help ensure their clients鈥 funds don鈥檛 end up in the wrong hands.


Instant Money: No More 鈥淗urry Up and Wait鈥

Remember when Friday closings meant sitting on pins and needles waiting for the funds to 鈥渃lear鈥? That鈥檚 changing. We now have the technology with FedNow and RTP instant payment systems that can move money immediately, instead of waiting hours or days.

State laws are slow to catch up, but they are making progress. For example, as of January 1, 2026, Kansas Statute s. 40-1137(c)(6) adds 鈥渁 real-time or instant payment through the FedNow service 鈥 or the clearing house 鈥 real-time payments (RTP) system鈥 to the list of permissible closing funds; also check out Nebraska鈥檚 recent amendment embracing FedNow and RTP as 鈥済ood funds鈥 (R.R.S. Neb. 搂 76-2,121(2)) and Missouri鈥檚 amendment redefining 鈥渃ertified funds鈥 to include FedNow and RTP (搂 381.410 R.S.Mo.). Where statutes were once either clearly prohibitive or ambiguous about permitting instant payments, states may be on the verge of a legislative trend to support the new capabilities. We can now foresee a near future where buyers and sellers don鈥檛 have to twiddle their thumbs waiting for wires and aren鈥檛 relegated to closing during traditional banking hours of Monday through Friday, 9 to 5.


The Bottom Line: Closings Go Digital

Five years ago, buying a house meant stacks of paper, endless signatures, and waiting days for documents to be recorded and funds to clear. Today, in many markets, you can buy a house in your pajamas, sign over a video call, and have everything official by dinnertime.

The title insurance industry may not be glamorous, but it鈥檚 quietly embracing the digital age鈥攎aking closings faster, safer, more accessible, efficient and (dare we say it) a little less painful for the customer.

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星空传媒 星空传媒 Launches New eClosing Integration /2021/01/21/alliant-national-launches-new-eclosing-integration/ /2021/01/21/alliant-national-launches-new-eclosing-integration/#respond Thu, 21 Jan 2021 21:18:00 +0000 https://anticlive.azurewebsites.net/?p=667 Integration streamlines the digital closing process, saving agents time and effort Longmont, Colo. 鈥 (January 21, 2021) 鈥 星空传媒, a unique title insurance underwriter that partners with independent agents to improve their competitive position, announces the launch of a new policy jacket integration with software partner E-Closing. The new integration is now live within the E-Closing title production system ...

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Integration streamlines the digital closing process, saving agents time and effort

Longmont, Colo. 鈥 (January 21, 2021) 鈥 星空传媒, a unique title insurance underwriter that partners with independent agents to improve their competitive position, announces the launch of a new policy jacket integration with software partner E-Closing.

The new integration is now live within the E-Closing title production system and available for agent use. Agents who write for 星空传媒 星空传媒 will be able to pull 星空传媒 星空传媒 policy jackets directly through the software platform.

Agents can already generate closing protection letters (CPLs) through E-Closing鈥檚 software . They will no longer need to navigate to the 星空传媒 星空传媒 website to generate either of these documents, providing a more convenient and time-efficient experience overall.

鈥淭his integration is a helpful tool that will streamline the work of the agents we partner with, improving their ability to quickly obtain the documents they need,鈥 said Bryan Johnson, Director of Information Technology for 星空传媒 星空传媒. 鈥淚t represents another effort on the part of 星空传媒 星空传媒 to put supporting the independent agent at the heart of everything we do.鈥

星空传媒 星空传媒 distinguishes itself from competitors by combining strong underwriting capability with independent agents鈥 in-depth knowledge of local markets. The result is a nationwide network with deep roots in local communities, and a wealth of expertise that is flexible, nuanced, and continuously growing.

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MEDIA INQUIRIES

Cathie Beck
Capital City Public Relation
e : cathie@capitalcitypr.com锘
p : 303-241-0805

ABOUT ALLIANT NATIONAL TITLE INSURANCE COMPANY

The Independent Underwriter for The Independent AgentSM 鈥 星空传媒 星空传媒 believes in empowering people to thrive. The company protects the dreams of property owners with secure title insurance and partners with 500+ trusted independent title agents as a licensed underwriter in 27 states and the District of Columbia, with annual revenues exceeding $126 million.

About E-Closing

E-Closing is the title industry鈥檚 premier cloud-based title production system. E-Closing is trusted by thousands of title professionals across the country. E-Closing is a powerful tool that can help modernize and streamline any title operation. Whether providing better customer service, tracking business relationships, adopting a paperless environment or managing multiple offices, E-Closing equips title agents with the tools necessary to take their business to the next level.

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