In The Mortgage & Title Industry, You Need To Be Both Compliant And Secure.

With the TILA (Truth In Lending Act) and RESPA (Real Estate Settlement Procedures Act) Integrated Disclosure Rule modifications being enforced on October 3rd, 2015, you’ll want to make sure that all suggested compliance requirements are met to ensure the protection of both your business and your clients, and that non-repudiation can verify the authenticity of each individual message.

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-Public Personal Information (NPPI) translates to a person’s sensitive data:

  • Name Of Individual
  • State I.D. Card Numbers
  • Social Security Numbers
  • Driver’s License Numbers
  • Health Records
  • Date Of Birth
  • Credit Card Numbers
  • Debit Card Numbers
So, what can you do to be protect NPPI and to ensure that all documents (both sensitive and not) remain secure at all times?For starters, you would need a secure email solution that would safeguard your sensitive information both in transit and at rest. You’d also want something that’s simple and seamless; you don’t need another convoluted process in the workplace. You’ll also need a compliance-driven product to ensure that you’re meeting TILA & RESPA requirements.

NeoCertified offers a secure email solution that not only does all three, but also integrates directly with all versions of Microsoft Outlook (including Office 365). Send and receive messages securely from our Cloud-based portal via any internet-connected device, or utilize the solution directly from Outlook… It’s up to you!

Microsoft Outlook integration

You can Send and Receive secure emails directly from your Microsoft Outlook application. It takes three easy steps to get started!

  1. Open your Microsoft Outlook application (compatible with ’07/10/13/365)
  2. Compose an email and include attachments of up to 20MB in size
  3. Press the “Send NeoCertified”… You’re all done!

We can have your button Outlook integrated button installed within a matter of minutes of registering your account. Your recipients will also be able to reply securely, free of charge!

Learn how to use NeoCertified for Outlook

 

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.

OTHER FEATURED PRODUCT OFFERINGS

Customer Connect

Customer Connect is a secure contact form that allows your clients and customers to initiate the secure conversation. They can send you secure messages and attachments right from your very own website. Try it free today!

Secure Large File Transfer

Need to send large files? Start sending secure files of up to 1GB in size with our Secure Large File Transfer solution. Download the SLFT application directly to your desktop and start sending in minutes!

API Integration

Encrypted email API gives businesses the opportunity to access NeoCertified’s Secure Solution directly from your business application. As long as your business has access to your software source code, you’re good to go!

Have questions about our solutions?

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