Two of the “best practices” that the American Land Title Association (ALTA) discloses in their Best Practices document are to:

1. “ensure secure collection and transmission of Non-Public Personal Information”

and to

2. “use only secure delivery methods when transmitting Non-Public Personal Information”

And in accordance with GLBA (section 501 (b)), all companies must “protect against any anticipated threats or hazards to the security or integrity of such records;”

and

“protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.”

This means that a secure email solution or encryption process needs to be in place for the transference and storage of customer records across the internet, and email specifically.

Non-repudiation works in conjunction with the following section of the Integrated Disclosure Rule:

11.3 When is the Closing Disclosure considered to be received if it is delivered in person or if it is mailed? (§ 1026.19(f)(1)(iii))

If the Closing Disclosure is provided in person, it is considered received by the consumer on the day it is provided. If it is mailed or delivered electronically, the consumer is considered to have received the Closing Disclosure three business days after it is delivered or placed in the mail. (§ 1026.19(f)(1)(iii); Comment 19(f)(1)(ii)-2) However, if the creditor has evidence that the consumer received the Closing Disclosure earlier than three business days after it is mailed or delivered, it may rely on that evidence and consider it to be received on that date.

NeoCertified’s secure email non-repudiation verifies the authenticity of the date the message was sent, the time the message was sent, the time the message was opened, and the time the attachments of the message were opened. Non-repudiation ensures that this information is unalterable and can be used in a court of law. This will allow for an audit trail of all messages, dates, and times that messages are sent, received, and opened.

NeoCertified allows secure messages to be sent with “No Reply” options, while offering security and both an audit trail and non-repudiation, which is optimal when sending “Disclosures” in the Title and Mortgage industries.

Non-Repudiation & Digital Signature

Sending a message by way of our secure email solution both ensures and substantiates the validity of the message sent. A digital signature is also included with each secure message.

As a full user, you can even set up read-receipt notifications and email reminder notifications, which inform you that the user has or hasn’t read your secure message by a given time.

You’ll also have access to track and monitor when and by whom the message is opened by. If you need to run a Message Report, you can do that directly from our Cloud-based portal.

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