Explaining the Borrowers' Certification of Notary Duties

Vital Signing, Inc.® has started including a document called the Borrowers' Certification of Notary Duties (BCND) in its packages for notaries. This document, though short and seemingly nothing but one more page to print, is, in actuality, a crucial document for notaries.

Because the liability is great when it comes to the execution of loan documents, notaries have to take extra steps to ensure that they cover themselves in all aspects.

“It is very important that the notary executes the Notice of Right to Cancel properly,” says Vital Signing, Inc.® president Cory Barber. “By signing the Borrowers' Certification of Notary Duties, borrowers are certifying that the notary has performed his or her duty.”

That means that, in signing the BCND, borrowers are certifying that the notary provided a copy of the Truth in Lending Disclosure, left copies of the Right to Cancel/Rescission Notice and did not express personal opinions about the loan.

Notaries are asked by Vital Signing, Inc.® to fax back a copy of the BCND. A notary, however, should keep the original in his or her files in the event that questions regarding the signing arise.


Filling out the BCND

Following the section describing the statements to which a borrower is attesting upon signing, the following section appears. Please click on the graphic below for the clarification:



Pay close attention to ensure that this document is filled out right. It may not appear important, but it’s extremely helpful in cases when your professionalism and diligence are in question!