Overview
Kentucky has an active Remote Online Notarization framework under KRS Chapter 423A, administered by the Secretary of State. The process requires an active Kentucky notary commission, completion of an SoS-approved RON training course, application through the Secretary of State portal, and selection of a state-approved technology platform. Once authorization is granted, Kentucky RON notaries can serve signers located anywhere in the country.
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Kentucky’s RON framework is straightforward compared to states with additional exams or heavy documentation requirements. The main gates are the training requirement and the SoS application review. Training must be completed before applying – you cannot submit the application and then take the training afterward.
KRS Chapter 423A: What Kentucky Law Requires
Kentucky’s RON law establishes the following requirements for remote notarial acts:
- The notary must hold an active Kentucky notary public commission
- RON authorization is issued separately by the Secretary of State and must be active before any remote session
- Only SoS-approved technology platforms may be used
- Two-way real-time audio-visual communication is required during every remote session
- Identity verification must use credential analysis and/or knowledge-based authentication (KBA)
- An electronic journal entry is required for every remote notarial act
- Audio-visual recordings must be retained
- The notarial certificate must identify the act as performed remotely
The Kentucky RON Training Requirement
Kentucky requires notaries to complete a training course approved by the Secretary of State before applying for RON authorization. The training covers Kentucky RON law, platform requirements, identity verification procedures, and electronic recordkeeping. The SoS publishes the list of approved training providers – check the current list at sos.ky.gov before enrolling, as providers can change. Courses from NNA and NCAN may overlap with the required content; verify whether the specific course is on Kentucky’s approved list before paying.
After completing training you will receive a certificate of completion that you submit with your RON application. Keep the certificate – applications without proof of training completion are rejected.
Selecting an Approved Kentucky RON Platform
Kentucky maintains a list of approved remote notarization technology platforms. You must select from this list – using a platform not approved by the SoS renders the notarization non-compliant. When evaluating platforms from Kentucky’s approved list, consider:
- Notarize (Proof) – largest consumer-facing volume, pays per completed session
- NotaryLive – strong scheduling and notary-side UX
- DocVerify – enterprise and financial document workflows
- SIGNiX – mortgage and title company integrations
Verify the current Kentucky-approved platform list through the SoS at the time of application – the list is updated and a platform current today may not always remain listed.
The Kentucky RON Application: What to Submit
The RON authorization application is submitted through your notary account on the Kentucky Secretary of State’s website. The application requires:
- Proof of training completion from an SoS-approved training provider
- The name of the approved technology platform you intend to use
- Confirmation that your traditional notary commission is active
- Payment of the $10 application fee
Processing typically takes 2-3 weeks. Do not begin performing remote sessions until you receive written authorization confirmation from the SoS.
Kentucky’s Bond Requirement
Kentucky requires a surety bond for the traditional notary commission. The existing notary bond generally covers RON activities under the same commission – verify the current bond amount and whether any additional coverage is required for RON specifically with the SoS at the time of application, as requirements can be updated.
What Kentucky RON Notaries Can Notarize
Kentucky RON authorization covers acknowledgments, oaths and affirmations, jurats, and signature witnessing. High-volume use cases:
- Real estate and mortgage closings – Kentucky’s residential and commercial markets
- Legal documents – powers of attorney, affidavits, corporate documents
- Loan documents – consistent demand from lender and title platforms
- Out-of-state signers – Kentucky RON notaries can serve signers anywhere in the country
Common Mistakes Kentucky RON Notaries Make
- Submitting the RON application before completing training – applications without proof of training are rejected
- Using a platform not on Kentucky’s current approved list
- Performing remote sessions before receiving SoS authorization confirmation
- Not retaining audio-visual recordings for the required period
- Using traditional in-person certificate language instead of remote notarial act language
Before You Start
Kentucky RON authorization must be granted by the Secretary of State before any remote session is performed. Complete approved training first, then apply, then wait for written confirmation before taking your first job. Official reference: Kentucky Secretary of State – Notary Public.
Prerequisites
- Active Kentucky notary public commission
- Complete SoS-approved RON training course (proof required with application)
- RON authorization approved by Secretary of State
- Use only SoS-approved technology platform
- Electronic journal required per act
- Audio-visual recording retention required
- Remote notarial certificate language required
Steps
Confirm your active Kentucky notary public commission through the Secretary of State
Complete an SoS-approved RON training course and obtain proof of completion
Review the current Kentucky-approved RON platform list at sos.ky.gov
Select an approved RON technology platform
Log in to your notary account on the Kentucky SoS website
Submit the RON authorization application with proof of training and platform information
Pay the $10 application fee
Wait for SoS authorization confirmation (2-3 weeks) before performing any remote sessions
Configure electronic seal, electronic journal, and audio-visual recording on your approved platform
Training & Exam
Training:
SoS-approved RON training course required before application. Covers Kentucky RON law, platform requirements, identity verification, and recordkeeping. Verify the current approved provider list at sos.ky.gov before enrolling. Proof of completion required with RON application.
Exam:
No separate RON exam beyond the required training course. Competency verification is included in the approved training program. Submit proof of training completion with your SoS application.
Bond & E&O
Bond:
Existing Kentucky notary commission surety bond covers RON activities - verify current bond amount and any RON-specific requirements with the Kentucky Secretary of State
E&O Insurance:
E&O insurance recommended; $500,000 coverage typical for professional notaries. Not state-mandated but required by many platforms.
Costs Breakdown
- RON authorization application: $10
- SoS-approved training course: $50-$125
- Traditional Kentucky notary commission: ~$10 state fee
- Surety bond: verify current amount with SoS (~$25-$50/year)
- RON platform/technology: $25-$55/month
- Digital certificate/e-seal: $50-$100/year
- E&O insurance (recommended): $75-$150/year
Timeline
RON authorization: 2-3 weeks after complete application submission to Kentucky Secretary of State
Apply & Official Links
FAQ
Does Kentucky require training before RON authorization?
Yes. Kentucky requires completion of an SoS-approved RON training course before submitting the authorization application. Proof of completion must be included with the application. Applications submitted without training proof are rejected.
What is the Kentucky RON application fee?
$10, submitted through your notary account on the Kentucky Secretary of State website.
Can I use any RON platform in Kentucky?
No. Kentucky maintains an approved technology platform list. You must select from that list and include your chosen platform in your application. Verify the current list at sos.ky.gov before selecting.
How long does Kentucky RON authorization take?
Typically 2-3 weeks after a complete application is submitted. Do not perform remote sessions until you receive written authorization from the Secretary of State.
Can Kentucky RON notaries serve out-of-state signers?
Yes. Once authorized, Kentucky RON notaries can serve signers located anywhere in the country.
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