online title escrow company provides legal California title and escrow services in Orange County, LA County, San Diego County, Riverside County, Santa Barbara County, and San Bernardino County

Resources

...more information on the title transfer process

Today, we live in a world economy that is embracing technology at an almost exponential rate. As consumers, we are rapidly becoming accustomed to a "get it done now!" environment that promises and delivers to our "instant gratification" needs.

At the same time, old laws are changing and new laws are being put in place that can only by complied with in a cost effective manner by embracing digital technology for the production infrastructure. What this means is that we need to stay informed about the "new economy" requirements and game rules - and remain nimble enough to change along with the changing business ecosystem.

The escrow, digital certificate, document management laws, and other links below expose information that will provide a better understanding of the challenges we face, the technology we need to comply and remain competitive, and the systems that will form the foundation upon which we move forward into the world economy.

If you feel that other links belong on this page, we invite and appreciate your comments. Send you suggestions to Webmaster@NetPathBusinessSystems.com.

Public and Private Organizations

These organizations provide support to the escrow industry and those industry segments that interface to the escrow process

Escrow Institute of California: A network of independent, licensed Escrow Companies accessible via a search function
California Department of Corporations: The direct link to the Escrow Law section within the Cal Corp website
California Escrow Association: Founded in 1924 and a statewide organization by 1956, this statewide organization is for professional escrow practitioners. It is dedicated to maintaining the highest standards in escrow through continuing education of escrow personnel.
American Escrow Association: The American Escrow Association (AEA) is the national association of real estate settlement agents.
ALTA - American Land Title Association: The mission of ALTA is to improve the skills and knowledge of providers in the real property transaction, effectively advocate member concerns, and standardize products for industry use. Hit this link for great articles on uses of technology in escrow and title.
American Association of Small Property Owners: The American Association of Small Property Owners (AASPO) is a 501C organization advocating for small owners of residential and commercial investment properties. AASPO lobbies for fairness in laws, regulations, taxes and litigation that penalize small property owners.
TitleSearch.com: Popular website providing title and lien searches on any property. Depth of information varies with type/price of search.

Keys, Security, and Certificates

Visit these Trusted Third Parties for Certificates and other security compliance issues. In addition, these sites offer insight into some of the issues you need to consider as you update your 2, 5 and 10 year Business Plan.

Verisign
Thawte
CAcert
COMODO Free
GeoTrust
Entrust
GoDaddy

Legal Landscape, Exposure, Action, Solution

Here is material that helps make you aware of legal liabilities, organizations that react to legal liabilities, and direction on some solutions to today's regulatory environment.

Sarbanes-Oxley: The central repository about all that is going on with Sarbanes-Oxley
Sarbanes-Oxley Summary: This is a cryptic summarization of key points to attend to as presented by the American Institution of Certified Public Accountants on their main website.
Federal Trade Commission: The main government site for information about consumer protection and what the FTC is doing about it. Has many links to relevant information dealing with disclosure, confidentiality, consent, complaints, and resolution.
Bankers OnLine: A portal for the on-line banking industry rich in information about security and regulatory compliance.
OMB eSign Implementation Recommendations: Well written but extensive discussion of implementation steps for the eSign act presented under the CyberCrime.gov website.
Standards and Procedures for Electronic Records and Signatures: The Standards and Procedures for Electronic Records and Signatures ("SPeRS") project is an eCommerce initiative sponsored by the Electronic Financial Services Council ("EFSC"). SPeRS creates voluntary, industry wide guidelines for the electronic execution of signatures, record retention, printing, delivery, and presentation of information.
Electronic Financial Services Council: The EFSC advocates positions on public policies affecting the offering of financial products and services, including mortgage loans, insurance products, investment products, consumer loans and on-line banking, in e-commerce. They strive to promote legislation and regulation designed to ensure that electronic commerce continues to revolutionize the availability and delivery of financial services.

Standards and Compliancy

Industry organizations are committed to creating a homogeneous technical and procedural environments for all participants. This insures that end users can follow protocols where all rules are the same. By creating and enforcing a user friendly ecosystem, business processes are expedited and end user investment in training and technology does not go to waste.

Mortgage Industry Standards Maintenance Organization: Mortgage Industry Standards Maintenance Organization, Inc. (MISMO) was established by the Mortgage Bankers Association (MBA) to coordinate the development and maintenance of Internet based Extensible Markup Language (XML) real estate finance specifications.
MERS: The MERS® eRegistry is a system of record that identifies the owner (Controller) and custodian (Location) for registered eNotes, providing greater liquidity, transferability and security for lenders. MERS was created by the mortgage banking industry to streamline the mortgage process by using electronic commerce to eliminate paper.