I just recently had a QC error for not filling in this date and having the signers initial it. I have not had this happen before and have never been asked to do this. This was Atlas Title for First Class Notary.
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Actually, those dates should have been filled in by title or lender before the package was sent to you. However, if it was not, then either you fill in the correct dates and have signers initial, or let them fill it in and initial, making sure they know what dates to put in (don’t leave it to them to figure it out).
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Any time the cancel date is not included, the notary is required to fill it out. Signers initial the closing date and the date of cancel to acknowledge those dates. It’s one of the things to look for during document review - if the dates are filled out and correct. You can download a recission calendar from several websites. I keep it on my desktop.
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Not actually required to be filled out before you receive. It usually is, but there’s no rule.
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Now..I did not say “required”…I said “Actually, those dates should have been filled in by title or lender before the package was sent to you”…that was all
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My point is it’s not unusual that it has to be filled in by the notary.
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@ccturner Even when the Notice of Right to Cancel (NORTC) form arrives with pre-filled dates provided by either the title company or the lender, it is the unwavering responsibility of us, as dedicated and professionally trained Certified Loan Signing Agents, to conduct a meticulous and comprehensive review and verification of the accuracy of those crucial dates. This level of thoroughness, focusing specifically on the correctness of the rescission date, is not just a best practice but a defining characteristic that distinctly separates us from a standard Notary Public, who may not possess the same specialized knowledge and training. This specialized training and the consistent demonstration of attention to detail are precisely the reasons why financial institutions and title companies place their trust in us to handle these important and often complex tasks. Our role as Certified Loan Signing Agents extends far beyond the basic functions of simply signing documents, verifying identification, and applying stamps; we are trusted partners in ensuring the integrity and accuracy of loan signing processes.
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Good point but keep in mind - it is Fed Regulation that there be a three-day RTC…but borrowers and Lenders can enter into an agreement to waive or shorten that time - an agreement between only them. If we doubt that the dates are correct, a call to title is in order before changes are made.
I dislike any additional work with todays’ pay for it. So if we are paid low, we should be on the low spend of everything: paper, print, work, gasoline and verifications we aren’t obligated to do. I know it sounds rude but at the end of the day we should be able to feed ourselves and if we have a family, to take care of it as well. Professionalism and prestige come as a result of all components. including and up to what we are paid for our work.
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If dates on the RTC are not printed by the lender, I will use the RTC calendar as my reference on every such occasion and fill in the dates myself. I’ll have the signers initial my entries and I’ll show them the calendar I carry with me to reinforce that I did it correctly.
I NEVER allow the signers/borrowers to complete this part of the form. Who knows what they’ll put in and why?? They might try something sneaky or forget a holiday or do something incorrect or unauthorized by the lender. Nope, never.
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Don’t you check when they hand the form back? I fill it in as well and get it initialed. But it’s sort of weird to think they’ll pull something funny right at the table.
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Absolutely Accurate! 
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Yep. Ideally the dates on all of the loan documents are correct. But if the signing date on the document we receive is wrong (RTC), then the rescission date is also wrong. It is not uncommon, happens all the time.
For the brand new notary signing agents who might be reading this, I will restate what experienced NSAs in here already know: Notaries are expected to use the NNA or Chicago Title Rescission Calendar to calculate the new rescission date, make corrections neatly, have the borrowers initial the corrections.
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I just want to remind everyone that if you can count to 3 or 4, you have a rescission calendar right at the end of one of your arms. All you have to keep abreast of is “business days” and “federal holidays” and you can figure it out for yourself - it’s not rocket science.. And beware because some calendars have been issued with errors in their rescission dates..
Only rocket science is rocket science. BUT I ENCOURAGE THE USE OF A RESCISSION CALENDAR TO AVOID MISTAKES. This is especially important for brand new notary signing agents.
Linda, I have never heard of NNA or Chicago Title issuing a rescission calendar with mistakes. Did you experience that?
@Bobby-CA 
Concur 
percent with your technique.
The adage “if you want something done right . . .” comes to mind in this instance. 
Not me, Carmen - reported elsewhere - was some time ago and I don’t recall who put it out
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