Identity Verification Policy

Each RON signer is verified using at least two independent factors: (1) credential analysis of a government-issued photo ID, and (2) Knowledge-Based Authentication (KBA), in accordance with the Mortgage Industry Standards Maintenance Organization (MISMO) RON standard and applicable state law.

Government-issued IDs are analyzed for authenticity using forensic checks on document features (e.g., MRZ, security features, image consistency). Tampering or expired credentials result in rejection.

Where supported by jurisdiction and configured by the customer, we may perform liveness detection to confirm the signer is physically present.

Where state law permits, a notary may proceed based on personal knowledge of the signer, in lieu of credential analysis and KBA.

Failed attempts terminate the session in accordance with state law and platform settings. Repeated failed attempts may temporarily lock the signer from initiating a new session.

Identity verification artifacts (IDs presented, KBA outcomes, audit metadata) are retained according to our Data Retention Policy.

We work with established identity verification vendors. Vendor selection and configuration are subject to ongoing review for accuracy, fairness, and compliance.