Underwriting
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SLS2021006
| UNDERWRITING - Non-Institutional/ Hard Money/ Private Lender Transactions
Rescinds National Bulletin as replaced by state-specific bulletins.
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SLS2021002
| UNDERWRITING - 2021 Minimum Standard Detail Requirements for ALTA / ACSM Land Title Surveys
Updates to the Minimum Standard Detail Requirements for ALTA/NSPS Land Title Surveys, effective February 23, 2021.
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MU2021002
| RATES AND/OR FORMS UPDATE - New and Revised 2021 ALTA Forms
Introduces and describes recently adopted ALTA new/revised forms effective as of July 1, 2021.
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MU2021001
| UNDERWRITING - Non-Institutional / Hard Money / Private Lender Transactions
Some common fraud factors in non-institutional lender transactions and due diligence steps to avoid fraud claims.
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SLS2017005
| UNDERWRITING - HAMP * Loans and Sales by Borrower (* the Home Affordable Modification Program (HAMP®)
A balloon payment is required upon the sale or refinance of a property with a HAMP mortgage. Do not rely on a zero balance statement from a lender.
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SLS2016002
| UNDERWRITING - Foreclosures Extinguishing Subordinate Mortgages or Title Held By Fannie Mae, Freddie Mac, FDIC, or HUD
Requirements to insure a foreclosure of a prior lien where there is a lien held by Fannie Mae or Freddie Mac, the Federal Deposit Insurance Corporation (FDIC), or HUD.
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SLS2014006
| UNDERWRITING - Insuring Title Based Upon a Judgment, Order, or Decree: Appeal Period and Proper Notice
When insuring title based upon a judgment, order, or decree, the order must be a final, non-appealable order.
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SLS2014002
| UNDERWRITING - Extrahazardous Risks
Underwriting approval is required to insure extrahazardous risks. Contains examples of Extrahazardous risks.
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SLS2014001
| UNDERWRITING - The Perishable Agricultural Commodities Act (PACA) and The Packers and Stockyards Act (PSA)
Issues relating to PACA and PSA and related requirements.
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SLS2009007
| Mechanic’s Liens Recap
Required procedures and recurring issues relating to mechanic’s liens (non-construction loans).
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SLS2011004
| Use of Prior Title Evidence (Starter) for Commercial Transactions
Guidelines for the use of starters in commercial transactions.
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SLS2009004
| Use of Starters for Title Search [Revised 3-23-09]
Guidelines for the use of starters.
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SLS2008015
| Paying Off Line of Credit Mortgages
Risks and requirements when paying off credit line mortgages.
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SLS2007007
| Insuring Around, Over, or Against Outstanding Enforceable Recorded Defects, Liens, and Encumbrances
Requirements for insuring over, omitting or insuring the subordinate nature of an enforceable recorded defect, lien, or encumbrance.
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General
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SLS2021008
| GENERAL - US Department of Treasury: Financial Crimes Enforcement Network (FinCEN) - Geographic Targeting Order: Boroughs of Manhattan, Brooklyn, Bronx, Queens and Staten Island, NY; Counties of Bexar, Tarrant and Dallas, TX; Counties of Miami-Dade, Broward, and Palm Beach, FL; Counties of San Diego, Los Angeles, San Francisco, San Mateo, and Santa Clara, CA; City and County of Honolulu, HI; Clark County, NV; King County, WA; Counties of Suffolk and Middlesex, MA; Cook County, IL [Revised 5-08-2020; 11-6-2020; 5-6-2021; 11-1-2021]
Continuing guidance on the FinCEN Geographic Targeting Orders (GTO). This amended GTO extends the effective date of the reporting requirement to April 29, 2022.
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SLS2019007
| GENERAL - Privacy of Personal Information; Updated Privacy Notice [Revised 1-2-20]
The California Consumer Privacy Act (CCPA) took effect January 1, 2020. As the CCPA applies to California residents who may conduct business out of state, this bulletin applies to all transactions. Contains a link to a new CCPA Privacy Supplement.
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SLS2013003
| Search Services and Limitation of Title Insurance Underwriting Agreement
Independent agents are prohibited from using the Stewart name on any non-policy product, including any search product.
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SLS2011010
| Avoidance of Potential Conflicts of Interest
Issuing offices are prohibited from issuing title policies or closing transactions on any property in which a principal or agent has an interest, unless approved in advance.
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SLS2010026
| Issuing Authority and Escrow Instructions
Issuing agent's authority is limited to the issuance of title commitments and policies. Issuing agents do not have the authority to bind the Company in any other way, including escrow agreements.
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SLS2008001
| Patriot Act Requirements and the Special Alerts Database [Revised 01/18/12]
Issuing office are required to comply with the USA Patriot Act and must check the Stewart Special Alerts Database. In addition to the required search of the Special Alerts Database, if you are aware of any alert or cautionary memorandum issued by Stewart or any other underwriter, you may not close a transaction or issue a Stewart policy without disclosure to and prior written approval from, a Stewart Legal Services representative.
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Claims Avoidance
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SLS2021007
| CLAIMS AVOIDANCE - Fraudulent Land Sale Scheme
Red flags relating to fraudulent sales of vacant properties owned by non-US citizens, located outside of the United States.
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SLS202006
| CLAIMS AVOIDANCE - Spike in Attempted Wire Fraud
Wire fraud attempts are on the rise due to the current coronavirus pandemic.
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SLS2019003
| CLAIMS AVOIDANCE - Wire Fraud Prevention Tips
Tips to help consumers protect against wire fraud.
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SLS2018007
| CLAIMS AVOIDANCE - Stewart Title Guaranty Company Anti-Fraud Plan
Stewart Title has an in-house unit which conducts investigations into alleged fraudulent activities affecting it, its affiliates, and its agents.
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SLS2015006
| CLAIMS AVOIDANCE - Fraudulent Releases of Deeds of Trust
A Deed of Trust or Mortgage that is released with no concurrent refinance loan or deed indicating a sale of the property is a Red Flag.
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SLS2011016
| Fraudulent Release of Deed of Trust or Mortgage [Revised 09-12-11]
Schemes describing fraudulent releases of Deeds of Trust or Mortgages.
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Mechanic’s Liens During Construction
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MU2010009
| Mechanic's Liens Coverage During Construction - No Priority (2)
Alaska, Colorado, Hawaii, Indiana, Maine, Missouri, Montana, New Hampshire, and Oregon
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MU2010008
| Mechanic's Liens Coverage During Construction - Initial Priority if No Commencement (3)
Alabama, Arkansas, Arizona, California, Connecticut, Idaho, Iowa, Kansas, Minnesota, Nebraska, Nevada, Ohio, Oklahoma, Rhode Island, South Dakota, Tennessee, Utah, Washington, West Virginia, and Wyoming
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MU2010007
| Mechanic's Liens Coverage During Construction - Priority if No Lien or Suit Filed when Disbursing (1)
District of Columbia, Kentucky, Mississippi, South Carolina, and Vermont
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DE2010002
| Mechanic's Liens Coverage During Construction
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FL2010002
| Mechanic's Liens Coverage on Lender's Policies During Construction
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GA2014002
| UNDERWRITING - Mechanic's Liens Coverage During Construction
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IL2010005
| Mechanic's Liens Coverage During Construction - No Priority
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LA2010010
| Mechanic's Liens Coverage During Construction - Initial Priority if No Commencement
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MA2010002
| Mechanic's Liens Coverage During Construction
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MD2014002
| UNDERWRITING - Mechanic’s Liens Coverage During Construction - Priority For Future Advances Established Upon Recording of Mortgage
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MI2010007
| Mechanic's Liens Coverage During Construction
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NC2015001
| UNDERWRITING - Mechanic's Liens Coverage During Construction - Initial Priority if No Commencement
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ND2010001
| Mechanic's Liens/Construction Liens Coverage During Construction - Priority if No Lien or Suit Filed when Disburse
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NJ2010005
| Construction Lien Claims in New Jersey
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NM2015002
| UNDERWRITING - Insuring Construction Loans in New Mexico; New Rules Effective August 1 and August 15, 2014
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PA2010009
| Mechanic's Liens Coverage During Construction - Initial Priority if No Commencement
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TX2010008
| Mechanic's Liens Coverage During Construction
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UT2021001
| UNDERWRITING - Mechanic's Liens Coverage During Construction on 1-4 Family Residential Land
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VA2010001
| Mechanic's Liens Coverage During Construction
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WI2010005
| Mechanic's Liens Coverage During Construction
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MU2010009
| Mechanic's Liens Coverage During Construction - No Priority (2)
Alaska, Colorado, Hawaii, Indiana, Maine, Missouri, Montana, New Hampshire, and Oregon
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