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Address Confidentiality Program

  • 1.  Address Confidentiality Program

    Posted 03-01-2024 13:32

    We have been asked by a few lenders if we have closed loans using the Address Confidentiality Program.  We've read the ALTA guidance but when I called the local Registry of Deeds, they said that they were not set up to comply.  Does anyone have any experience with closings under this program?  Thanks for your help. 

     

     

     

     

     

    PLEASE NOTE: For your protection we will never accept or request changes to wire instructions via email. If you receive such a request, always call to verify.

     

     

    Confidentiality notice:  This message is intended only for the person to whom addressed in the text above and may contain privileged or confidential information.  If you are not that person, any use of this message is prohibited.  We request that you notify us by reply to this message, and then delete all copies of this message including any contained in your reply.  Thank you.

     

     

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  • 2.  RE: Address Confidentiality Program

    Posted 03-04-2024 06:33

    Susan,

    I hadn't heard of this program until just this minute, so I had to do some research. Here's a link to the states that participate (24 currently) and the statute that sets out the rules in each state. From looking at my own state's guidance, it appears the individual enrolling in the program needs to set it up and then they're provided with a state-issued P.O. Box to use that's not traceable. It doesn't look like the title company has to do anything except perhaps give them the data how to enroll, if they're not already in the program. If they're already in the program, we simply show the P.O.Box on all documents instead of a street address.

    https://evawintl.org/wp-content/uploads/NCADV_AddressConfidentialityPrograms.pdf



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    Cathy Clamp CTIP
    Escrow Officer
    Heart of Texas Title Co., LLC
    Brady TX
    +1 (325) 597-0796
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  • 3.  RE: Address Confidentiality Program

    Posted 03-04-2024 07:36
    Thank you Cathy. We'll review our local guidelines & check with underwriters about the property address in the body of the mortgage and the legal description. 

    Susan Contos
    Senior Vice President
    Accurate Title
    116 South River Road, Building A
    Bedford, NH 03110
    603-296-2750

    Sent from my iPad



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  • 4.  RE: Address Confidentiality Program

    Posted 03-05-2024 12:23

    We have that process in Idaho. 

     

    MAKE A REQUEST FOR THE BEST!

    Morgan Hodge-Escrow Assistant [email protected] 208-416-4403

    Bailey Breitenberg-Escrow Assistant [email protected] 208-416-4428

     

    **Be aware!  Online banking fraud is on the rise.  If you receive an email containing WIRE TRANSFER INSTRUCTIONS call your escrow officer immediately using contact information found from an independent source  to verify the information prior to sending funds.**

     


     

    The materials enclosed with this transmission are private and confidential and are the property of the sender. The information contained in the material is privileged and is intended only for the use of the individual(s) or entity(ies) named above. If you are not the intended recipient, be advised that any unauthorized disclosure, copying, distribution or the taking of any action in reliance on the contents of this information is strictly prohibited. If you have received this transmission in error, please immediately notify us by telephone or via e-mail immediately.

     




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  • 5.  RE: Address Confidentiality Program

    Posted 03-05-2024 13:53

    Thanks.  Do your registries have the ability to block the names or addresses from inquiries other than professional title abstractors? 

     

     

     

     

     

    PLEASE NOTE: For your protection we will never accept or request changes to wire instructions via email. If you receive such a request, always call to verify.

     

     

    Confidentiality notice:  This message is intended only for the person to whom addressed in the text above and may contain privileged or confidential information.  If you are not that person, any use of this message is prohibited.  We request that you notify us by reply to this message, and then delete all copies of this message including any contained in your reply.  Thank you.

     

     




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  • 6.  RE: Address Confidentiality Program

    Posted 03-06-2024 09:07

    We have a program in MN called Safe at Home. Enrollees register and are assigned a P.O. Box which is the only address tied to them in transaction. Title companies and county recorders have a very specific process for recording so the legal and property address are masked from public record. 



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    Tami Finch
    Director of Operations
    Trademark Title Services, Inc.
    Savage MN

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    ALTA Marketplace


  • 7.  RE: Address Confidentiality Program

    Posted 03-06-2024 09:19

    Thanks Tami.  Maybe we can use them as a resource.  I appreciate everyone's help. 

     

     

     

     

     

    PLEASE NOTE: For your protection we will never accept or request changes to wire instructions via email. If you receive such a request, always call to verify.

     

     

    Confidentiality notice:  This message is intended only for the person to whom addressed in the text above and may contain privileged or confidential information.  If you are not that person, any use of this message is prohibited.  We request that you notify us by reply to this message, and then delete all copies of this message including any contained in your reply.  Thank you.

     

     




    ALTA Marketplace


  • 8.  RE: Address Confidentiality Program

    Posted 03-12-2024 10:17

    I am interested in the MN statute, would you please provide citation.  I like the fact that the address can be masked by Clerk, title and maybe even the Assessor.  This could slow down the seller impersonation scams as well.



    ------------------------------
    Patrick Miller
    Attorney
    Preferred Title Company
    Baton Rouge LA
    +1 (225) 766-6464
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  • 9.  RE: Address Confidentiality Program

    Posted 03-12-2024 11:27

    Here is a link with some very good information from the State of MN including links to the state statutes.  The program is typically geared towards victims of abuse, domestic violence, stalking, etc.  Hope this helps!

    https://www.sos.state.mn.us/safe-at-home/about-safe-at-home/



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    Tami Finch
    Director of Operations
    Trademark Title Services, Inc.
    Savage MN
    +1 (952) 226-7912
    ------------------------------

    ALTA Marketplace


  • 10.  RE: Address Confidentiality Program

    Posted 03-04-2024 13:16

    I'd never heard of an Address Confidentiality Program so I had to look it up.  It seems it is a program to help protect victims of domestic violence, etc..

    In my opinion, public information is public information unless a Court orders otherwise.  This is well beyond the scope of title insurance and settlement services.  As much as I feel for anyone being victimized, this is not something people in our industry should be involved in unless and until legislation is passed making it our responsibility.



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    Donna Brady Miller
    Inter-County Abstract
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  • 11.  RE: Address Confidentiality Program

    Posted 03-07-2024 09:54

    Here is some information on the program for New Hampshire, I know the bulk of the work is on the victim and only when they are accepted into the program can a legal fictitious name and address be used, which would be set up with the State. 

    Address Confidentiality Program | Victims/Witness Assistance | NH Department of Justice



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    Kate Fuentes
    Account Manager
    Title Industry Assurance Company, a RRG
    Bethesda MD
    +1 (800) 628-5136
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