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Need Contact Information - Debbie Thibodeaux/LA
3/9/2007 11:18:29 AM (1877 views)

E&O Insurance - how much needed - Greg M/NJ
3/8/2007 3:00:13 PM (2384 views)
E&O Insurance for Notary Public - Bobbi Shorthouse, Notary Public/CT
3/8/2007 3:30:35 PM (2617 views)
Re: E&O Insurance for Notary Public - Loretta Reed/MD
3/8/2007 4:59:16 PM (2646 views)
Re: E&O Insurance - how much needed - Jim Lissemore/NJ
3/17/2007 8:39:37 AM (2493 views)
Re: E&O Insurance - how much needed - george Hubka/MI
3/19/2007 3:01:43 PM (2534 views)
Re: E&O Insurance - how much needed - Monique Burkes/OH
4/2/2007 8:47:24 AM (2411 views)

Title Issue - Kevin Ahern/CT
3/5/2007 1:36:59 PM (3205 views)
Re: Title Issue - Robert Franco/OH
3/6/2007 5:24:08 PM (2395 views)

Sub-prime lenders - Kevin Ahern/CT
3/4/2007 11:23:04 AM (3260 views)
Re: Sub-prime lenders - Robert Franco/OH
3/4/2007 11:54:23 AM (4278 views)
Re: Sub-prime lenders - Kevin Ahern/CT
3/4/2007 11:59:00 AM (2503 views)
Re: Sub-prime lenders - Ben Kohnen/WI
3/4/2007 7:34:52 PM (2543 views)
Re: Sub-prime lenders - DEED RESEARCH INC./NE
3/21/2007 4:00:52 PM (2503 views)

Info on Fleet Abstracts, INC ? ? - george Hubka/MI
3/3/2007 3:47:39 PM (2599 views)
Re: Info on Fleet Abstracts, INC ? ? - Austin Whitaker/NJ
3/4/2007 12:01:02 AM (2626 views)




iMortgage Services - Brad McCollom/IN
3/2/2007 6:41:23 PM (2278 views)
Re: iMortgage Services - Scott Perry/PA
3/3/2007 11:49:03 AM (2503 views)
Re: iMortgage Services - Bobbi Shorthouse, Notary Public/CT
3/5/2007 12:28:07 PM (2547 views)
Re: iMortgage Services - Vikki Moffitt/GA
3/5/2007 3:16:56 PM (2564 views)

Eclipse payments - Wayne Schutt II/NY
3/2/2007 8:20:00 AM (2520 views)
Re: Eclipse payments - Kevin Ahern/CT
3/2/2007 8:29:38 AM (2688 views)
Re: Eclipse payments - Robb Grandon/OH
3/2/2007 9:38:28 AM (2639 views)
Re: Eclipse payments - Kevin Ahern/CT
3/2/2007 9:55:37 AM (2640 views)
Re: Eclipse payments - Wayne Schutt II/NY
3/2/2007 2:42:07 PM (2597 views)
Re: Eclipse payments - Wayne Schutt II/NY
3/2/2007 2:10:19 PM (2586 views)
Re: Eclipse payments - Kevin Ahern/CT
3/2/2007 4:48:06 PM (2561 views)
Re: Eclipse payments- Bank loan???? - george Hubka/MI
3/2/2007 8:34:04 PM (2590 views)
Re: Eclipse payments- Bank loan???? - Wayne Schutt II/NY
3/3/2007 5:00:47 PM (2604 views)
Re: Eclipse payments - Wayne Schutt II/NY
3/3/2007 4:45:49 PM (2528 views)
Re: Eclipse payments - Kevin Ahern/CT
3/3/2007 6:07:21 PM (2530 views)
Re: Eclipse payments - Scott Perry/PA
3/3/2007 11:22:19 PM (2526 views)
Re: Eclipse payments - Kevin Ahern/CT
3/4/2007 3:35:26 AM (2472 views)
Re: Eclipse payments - george Hubka/MI
3/4/2007 9:16:28 AM (2528 views)
Re: Eclipse payments - Scott Perry/PA
3/4/2007 2:32:54 PM (2520 views)
Re: Eclipse payments - Scott Perry/PA
3/4/2007 2:21:26 PM (2413 views)
Re: Eclipse payments - Kevin Ahern/CT
3/4/2007 2:32:32 PM (2493 views)
Re: Eclipse payments - Scott Perry/PA
3/4/2007 2:33:38 PM (2525 views)
Re: Eclipse payments - Kevin Ahern/CT
3/4/2007 3:01:34 PM (2670 views)
Re: Eclipse payments - Scott Perry/PA
3/4/2007 8:30:48 PM (2577 views)
Re: Eclipse payments - Kevin Ahern/CT
3/5/2007 11:16:26 AM (2551 views)
Re: Eclipse payments - Scott Perry/PA
3/5/2007 11:26:10 AM (2514 views)
Re: Eclipse payments - Patrick Tarr/NE
3/7/2007 12:36:24 PM (2396 views)
Re: Eclipse payments - Robert Franco/OH
3/7/2007 12:41:39 PM (2418 views)
Re: Eclipse payments - Patrick Tarr/NE
3/7/2007 2:28:52 PM (2419 views)
Re: Eclipse payments - Robert Franco/OH
3/7/2007 3:26:42 PM (2306 views)
Re: Eclipse payments - Scott Perry/PA
3/7/2007 2:08:12 PM (2451 views)
Re: Eclipse payments - Patrick Tarr/NE
3/7/2007 3:47:43 PM (2360 views)
Re: Eclipse payments - Deborah Manion/VA
3/4/2007 5:09:44 PM (2483 views)
Re: Eclipse payments - Scott Perry/PA
3/4/2007 8:33:44 PM (2383 views)
Re: Eclipse payments - J Nisonger/CA
3/9/2007 9:20:39 PM (4016 views)
Re: Eclipse payments - george Hubka/MI
3/26/2007 5:48:03 PM (2289 views)
Re: Eclipse payments - J Nisonger/CA
3/26/2007 6:20:00 PM (2256 views)
Re: Eclipse payments - Sandra Morton/KS
3/5/2007 9:15:07 AM (2509 views)

E-mail mistakes you don't want to make. - Ethics/OH
3/1/2007 4:42:02 PM (3057 views)
Re: E-mail mistakes you don't want to make. - Wayne Schutt II/NY
3/2/2007 2:47:45 PM (2267 views)

Texas AG abatement - Robert Franco/OH
3/1/2007 4:40:40 PM (2031 views)
Re: Texas AG abatement - Kelli Gorman/TX
3/2/2007 11:41:56 AM (2209 views)

Legislative CALL TO ACTION re Attorney General opinion on public records - David Bloys/TX
2/28/2007 1:21:12 AM (2593 views)
I just received this from a respected title company owner and client.

As you know by now, the Texas Attorney General issued an Opinion (GA-0519) last week (2/21/07) that basically said it is a crime (that could subject a County Clerk to fines, jail time or both) to disclose SSNs in public records (land records and other courthouse records may be public, but people have a right for personal identification in them, such as SSNs, to remain confidential).  The AG opinion cited both state (Sec. 552.147 of the Texas Government Code) and federal (Public Information Act) laws.

So, most County Clerks overreacted, by preventing abstractors, surveyors, etc. from searching public records, either entirely or at least until county personnel could review the documents first.

Now, the Texas state House of Representatives will be voting on emergency legislation soon, probably tomorrow (Wed 2/28/07), that may remove the portion of state law that caused the AG to limit access to public records.

Recent efforts to solve this problem before it got this far have been incomplete, centering around redaction, which is usually done by an expensive computer program that crawls through documents and blacks out SSNs it finds.  Such programs have been consistently shown to miss lots of SSNs.  And removing SSNs one by one, by county personnel, is an overwhelming task that will take years to get right.

We need to get records back in the courthouse.  Before the internet, access to personal information has always been limited by requiring a personal visit to a courthouse.  And most of the people who search them are professionals who keep this information protected.

For example, laws that regulate licensing of Texas Registered Professional Land Surveyors, also require that they perform their duties to a higher standard of moral and ethical responsibility that already requires the protection of such personal information.  And, title abstractors are bound by their contracts with mortgage lenders to keep non-public personal information (NPPI) secret during a job, and destroy it once the job is done, under previous Federal law (the Gramm-Leach-Bliley Act of 1999).

It is possible that by asking our legislators for a specific solution, we may get somewhere.

Any change to state law will still leave County Clerks open to violating Federal law, because once documents are out on a county clerk's website, or they are sold in bulk to a website that resells them (CourthouseDirect, etc.) for anyone in the world to download, the SSNs are out of the county's control.

We should ask legislators to be specific in reopening access to records, but ONLY at the local level, in person, at the courthouse.  They should require removal of documents from all county websites, and put a moratorium on further bulk sales to 3rd parties.

Please contact, by fax or email, your legislators with some version of the following message.

Follow the link below and just enter your address to find out who your elected officials are:

Dear Senator (name) or Dear Representative (name) ,

The February 21, 2007 ruling (GA-0519) by the Attorney General of Texas relative to the duties of a County Clerk, under Section 552.147 of the Texas Government Code as enacted by the 79th Legislative session, has had unintended consequences in the access to the public records of all counties of Texas. As I am sure you are aware, the initial reaction of some County Clerks, based on advice from their County Attorney, has been to close both physical and internet-based access to the public records in light of the potential for criminal offense liability if access is allowed to information restricted by the Public Information Act (PIA).

This denial of access has had immediate detrimental and/or devastating affect on the ability of abstractors, surveyors, and private investigators to perform the necessary research in the transaction of real property rights and the issuance of title insurance. You can easily project the delay and cost for all parties, when researchers are faced with having to request a large number of public record copies, only to wait for the County Clerk to have to review each document on an individual basis.

The state legislature will be taking up the issue soon in an attempt to give relief to County Clerks.
 
But, any change to state law will still leave County Clerks open to violating Federal law, because once images of documents are put on a county clerk's website, or they are sold in bulk to a website that resells them, for anyone in the world to download, SSNs and other confidential personal data are totally out of the county's control.

I ask you to be specific in rewriting the law to reopen access to records, but ONLY at the local level, in person, at the courthouse.  And at the same time, make the law require removal of document images from all county websites, and put a moratorium on further bulk sales to 3rd parties.  This way, County Clerks, and only those professionals they know by name and see on a daily basis, can once more be the gatekeepers and safeguarders of this restricted personal information.

As your constituent and a research professional of the State of Texas, I am respectfully requesting your personal involvement in an immediate response to this crisis resulting from unintended consequences of state law.

Sincerely,
(your name, address, phone etc.)

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non payers - Hannah McGinnis/IN
2/27/2007 10:51:54 PM (2136 views)
Re: non payers - Jay Duncan/MO
2/27/2007 11:44:03 PM (4237 views)
Re: non payers - Kevin Ahern/CT
2/28/2007 6:36:06 AM (2372 views)

Texas Atty Gen, Greg Abbott - Jan Forster/NC
2/27/2007 7:42:49 PM (1642 views)

Resource/Clear Tract - Dorothy Payne/NY
2/27/2007 5:53:30 PM (2119 views)
Re: Resource/Clear Tract - Philip Cotugno/MA
2/28/2007 5:40:18 AM (2202 views)
Re: Resource/Clear Tract - Jessica Talley/NJ
3/5/2007 7:18:25 AM (2300 views)
Re: Resource/Clear Tract - Dorothy Payne/NY
3/6/2007 9:25:35 PM (2080 views)
Re: Resource/Clear Tract - george Hubka/MI
3/7/2007 7:24:30 PM (2123 views)

Eclipse Title - Hannah McGinnis/IN
2/27/2007 2:17:04 PM (2014 views)
Re: Eclipse Title - Scott Perry/PA
2/27/2007 4:23:53 PM (2252 views)

Patriot Title LLC - Joseph Hess/PA
2/27/2007 11:31:03 AM (1851 views)


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