Top Advocacy Issues We are Watching
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Data Privacy
With states passing inconsistent laws and no uniform federal law ad- dressing data privacy, there's a patchwork of rules for companies to comply with.
Learn More About Data Privacy![](/images/landing/SECURE.jpg)
Digital Closings: SECURE Notarization Act
The Securing and Enabling Commerce Using Remote and Electronic Notarization Act (SECURE Notarization Act) is bipartisan federal legisla- tion that permits immediate nationwide use of remote online notarization.
Learn More About SECURE![](/images/landing/Good-Funds.jpg)
Good Funds
The use of various payment rails in real estate transactions is governed by state Good Funds laws. These laws set requirements for acceptable forms of closing funds.
Learn More About Good Funds![](/images/landing/Ricks-of-Alternatives.jpg)
Risks of Alternatives to Title Insurance
ALTA continues to take the lead in engaging with state regulators, the FHFA, Fannie Mae, Freddie Mac and lenders about the risks of waiving title insurance requirements.
Learn More About Risks of Alternatives to Title Insurance![](/images/landing/Discriminatory-Covenants.jpg)
Discriminatory Covenants
ALTA opposes any form of housing discrimination and proactively works toward solutions that address illegal discriminatory covenants recorded in the public records.
Learn More About Discriminatory Covenants![](/images/landing/NTRAPS.jpg)
Non-Title Recorded Agreements for Personal Service
ALTA supports efforts to protect consumers by prohibiting the filing of unfair real estate fee agreements in property records. ALTA advocates for state laws and regulations preventing enforcement of NTRAPS.
Learn More About NTRAPS![](/images/TAN-Logo-Inverse.png)
Your Voice Matters
TAN is the premier grassroots organization promoting the importance of the land title insurance industry. In the current regulatory environment, our industry faces threats of new policies at both the state and federal levels that could seriously affect your business.
Join TANLatest Advocacy News
ALTA Member Company Knight Barry Title Warns Fake Sellers Spoofing Title Company Websites
August 27, 2024
Knight Barry Title is warning its partners, industry colleagues and consumers about a “new twist” in tactics by cybercriminals engaged in seller impersonation fraud. Over the last month, the Wisconsin-based title company has thwarted multiple attempts by scammers to set up fake webpages to look Knight Barry's website. Read on to learn what the title company is doing to help uncover spoofed sites.
Why Misguided Calls to Scrap Title Insurance Would Make Homeownership More Costly and Threaten the Economy
August 6, 2024
Making homes more affordable for Americans is a worthy goal, but targeting title insurance—a one-time premium that is far lower than many other closing costs—would have the opposite effect, explains First American Chief Economist Mark Fleming. That’s because title insurers play a foundational but largely misunderstood role in the real estate industry: enabling the reliable transfer of property ownership.
Criminals Try to Capitalize on Recent Crowdstrike Outage
August 1, 2024
The recent global Crowdstrike/Microsoft outage wasn't an intentionally malicious act. It was a bug in the software. However, threat actors quickly started using social engineering techniques to trick people across the globe into taking some action that could harm them or their company.
Hawaii Joins States Protecting Homebuyers from Predatory Contracts
July 18, 2024
Hawaii joined 30 other states that have passed ALTA-supported legislation that includes provisions protecting homeowners from the predatory practice of filing unfair real estate fee agreements in property records, known as Non-Title Recorded Agreements for Personal Services (NTRAPS).
Proposed Revisions to ALTA’s Best Practices in Public Comment Period
July 18, 2024
The proposed revisions have been made with the objective of allowing agents and direct operations to continue to optimize their practices and procedures to ensure financial safety, data security and operational stability, and to provide lenders with the assurances that their needs are being fulfilled by improved operations. The proposed changes are now in a public comment period until Aug. 12.
Seller Impersonation Fraud Education Resources
July 11, 2024
Sophisticated fraudsters are using the real property owners' Social Security and drivers' license numbers in transactions, as well as legitimate notary credentials, to commit seller impersonation fraud and illegally sell commercial or residential property. ALTA has created several handouts to educate your staff and consumers about this threat. There also is a document that ALTA members can customize and is available in several languages.
All Advocacy Issues
Anti-Money Laundering/FinCEN
Data Privacy
Digital Closings/Remote Online Notarization
Discriminatory Covenants
Elder Real Estate Fraud
Federal Advocacy
Flood Insurance
Foreign Ownership of Land
Heirs' Property
Native American Lands
Non-Title Recorded Agreements for Personal Service (NTRAPS)
Predictable Recording Fees
Property Tax Foreclosure
Real Time Payments / Good Funds
Redaction/Record Shielding
Serving Consumers and Communities
State Advocacy
State Legislation Tracking Map
Title Waiver Pilot
Unregulated Title Insurance Alternatives