District of Columbia Land Title Association News

Advocacy In Action

Wed, 13 Dec 2023 18:56:36 GMT

DCLTA Meeting with Recorder of Deeds and Office of Tax and Revenue Regarding Homestead Tax Reduction Concerns

Several members of the DC Land Title Association Board of Directors met with senior members of the District of Columbia’s Recorder of Deeds Office, Assessment Services Division and Office of Tax and Revenue (OTR) on December 13, 2023 to discuss concerns the industry is having related to the filing of the Homestead/Senior Tax Exemption application. In the way of background, in 2020, the OTR’s Homestead Unit implemented a new policy with required the mandatory electronic filing of the Homestead Deduction, Disabled Senior Citizen and Disabled Property Tax Relief Application (ASD-100) This change went into effect as of October 1, 2021.

DCLTA Vice President Chris Darby began the discussion by pointing out some general areas concern title companies are experiencing with this transition from submitting a hard copy of the ASD 100, filled out at closing by the buyer to the new requirement that it be submitted electronically through an OTR portal. This new process requires that the buyer submit this application Post-Closing, outside of the closing table. Given the general overwhelming nature of a real estate closing, we suspect that there are many buyers simply forgetting to submit these applications online when they leave the settlement company office.

In response to this concern, Frank Bessenyei, the Division Chief for Assessment Services at OTR suggested that perhaps his office put together a one pager to be provided to the buyers at closing and included in the hard copy of closing docs they take home. This document would provide step by step instructions on how to apply for the homestead/senior citizen and/or disabled property tax relief application, along with further detail regarding the time frame the buyer can expect to see their application either approved or denied and other relevant information association with the new filing system. The industry acknowledged that for many title companies this is already taking place but acknowledged the value in their being a standardized set of instructions, crated by OTR for all title companies to provide to their buyers.

The next issues brought to the attention of the District staff is the requirement found in the D.C. statute that a copy of the Homestead Application and proof of its submission be attached to the FP7-C at the time of recording when the buyer is a first time DC homebuyer and applying for the reduced Recordation Tax Rate provided to these individuals. Ida Williams, the Recorder of Deeds, reminded the industry representatives that in addition to submitting the hard copy of the application, they must also file the ASD-100 electronically with the Homestead office. Ida indicated that there is some evidence of these not being recorded electronically when auditing taxpayers accounts and reviewing whether the applications are getting filed.

It was suggested that we remind our members as to what exactly is required when presenting the Reduced Recordation Tax Rate for First-Time Homebuyers Application (Form ROD 11) and FP7-C at the time of recordation. The current mandate is that ROD will require only the following documents:

Screenshot of completed "Property Information" page of the Homestead online application.
Screenshot of completed "Owner Information" page of the Homestead online application.
Confirmation of Homestead submission by copy of the email confirmation as receipt or screenshot of the online receipt.

Additionally, it was advised that the deed must be recorded within a few business days of the electronic homestead application in order to avoid the risk of that the buyers homestead application will be denied due to the deed being presented for recordation weeks later.

Kevin Anderson, President of DCLTA, next discussed the issue being found when conducting closing of newly created condominium conversion projects. In this case, while the OTR has issued new 2000 lot numbers for the unit units, it is taking weeks to months before these lot numbers become visible on the OTR website. It then becomes impossible to file a Homestead Application until such time as the lot numbers become visible in the OTR system.

Frank Bessenyei, provided the solution to this issue (though it won’t be available until October of 2024). The District is currently working on a major upgrade to their operating system, called Core 21. This new system will provide that any new lot numbers issued by OTR, such as the new condominium lot numbers issued once a project is completed, be instantaneously visible to the public on the OTR online system, www.mytaxdc.gov. While this will certainly resolve this aspect of the Homestead credit, Kevin pointed out that while this is a great and welcome change in DC reporting capability, we still have 12 months to develop an alternative to the current solution. Currently, either the tile company or the buyer are required to monitor the OTR website until such time as the lot numbers become visible at which point the buyer may submit their Homestead application electronically. Given the potentially lengthy time span from the date of closing until the time the lot numbers become visible, Frank suggested a separate meeting with Kevin Anderson and anyone else interested in this issue to try to develop a temporary solution to this problem.

Chris Darby and Katie Griffin brought up the final issue discussed in the meeting and that being the audits associated with the Homestead Tax Reduction. Among other aspects of the audit process, a conversation was had regarding the ordering by title companies of Tax Certificates as part of a settlement and exactly what assurances we as an industry can derive from that document. Frank Bessenyei, offered to have a more in depth conversation with Chris Darby and any others in the industry to discuss these audits in more detail and possible solutions to some of the concerns we see as a result of these audits.

The meeting closed with a comment and suggestion from Frank Bessenyei, that we schedule these types of meetings on a regular basis (quarterly perhaps) allowing for both the industry and DC Government discuss any ideas, concerns or issues being realized by both groups. success being that to have the most effective partnership between the industry and DC Government

Should you have question or comments regarding this important meeting, please contact either Mark Bennett, the DCLTA Executive Director at mark@bennett-management-llc.com or 614-579-2630 or Kevin D. Anderson the DCLTA President at kanderson@standardtg.com or 202-888-0132.

Revised Notice - DC ROD Construction

Tue, 11 Jul 2023 17:57:32 GMT

NOTICE TO MEMBERS
REVISED
*NOW Effective August 1, 2023*
District of Columbia’s Recorder of Deeds (ROD) offices will begin extensive renovations from
August 2023 through May 2024

The D.C. Office of Tax and Revenue (OTR) recently issued a notice that; effective August 1, 2023 the OTR Building (Floors 5-7) will undergo extensive renovations which will include the Recorder of Deed’s offices. During the renovations the ROD offices will be closed to the public from August 2023 through May of 2024.

The ROD will not be able to process paper recordings during this period. All documents for recording should be submitted electronically through one of the ROD approved e-filing vendors.

For the list of approved vendors, please visit the DC Recorder of Deed’s website at: https://otr.cfo.dc.gov/service/otrrecorder-deeds

If you have any specific recording questions these may be addressed directly to Ida Williams, the Recorder of Deeds by phone at (202) 442-8610 or via email at Ida.williams@dc.gov

DISTRICT OF COLUMBIA GOVERNMENT

RECORDER OF DEEDS

1101 4th Street, SW, 5th Floor

Washington, DC 20024
(202) 727-5374

Please note: the Real Property Tax Service Center, Suite 270 West, will remain open during the initial stages of construction.

Should you have questions or require assistance with implementing electronic recordings, please contact your underwriter.

LEARN MORE HERE

OTR Tax Notice On Taxation Of Instruments Relating To Refinances And Modifications

Fri, 28 Apr 2023 16:23:08 GMT

NOTICE TO MEMBERS

The District of Columbia Office of Tax and Revenue on April 26, 2023 posted

OTR TAX NOTICE 2023 -03

NOTICE REGARDING THE TAXATION OF INSTRUMENTS RELATING TO REFINANCES AND MODIFICATIONS

This Notice Replaces and Supersedes ORT Tax Notice 2014-05 (dated May 21, 2014)

This notice supplements and supersedes OTR Tax Notice 2014-05 on commercial refinances and modifications to provide more clarification on what constitutes a refinance for recordation tax purposes. Generally, to constitute a refinance, the new loan must be made to the same obligor(s) who wasindebted under the loan(s), as modified and restated, if applicable, that is being paid off,extinguished, and replaced, and must be secured by the same real property that securedthe loan(s), as modified and restated, if applicable, being paid off, extinguished, and replaced.

The revised tax notice is published on Recorder Of Deeds website and OTR’s Tax Law and Guidance – Notices.

Review Full Text of Notice

OTR TAX NOTICE 2023-03

For additional information, please call
ROD’s Customer Service Center at (202) 727-5374 or
contact Ida Williams; Direct phone: (202) 442-8610; ida.williams@dc.gov

President's Message - March 2023

Tue, 21 Mar 2023 13:27:19 GMT

Dear Members

As we welcome the start of spring, I encourage you to celebrate the purpose and value in what you do and what we do. DCLTA is the only organization that represents the title industry at the local level in the District of Columbia.

DCLTA liaisons with government officials. Backed by the strength of our membership, DCLTA advocates for sensible laws and policies that improve not only the business landscape for the title industry but allow for the transfer and marketability of title for DC properties.

Employing the richness of our resources, DCLTA educates it members. In addition to educational opportunities, networking with other DCLTA members is invaluable. DCLTA is a place for professional growth. You each have a wealth of knowledge and experience to share.

Of utmost importance to me during my tenure as President is the long-term sustainability of the organization. The bottom line, DCLTA needs to generate revenue for it to survive and thrive. Developing a plan for sustainability will be the mission of my presidency.

For those that are not already actively involved with DCLTA, I encourage to become involved. Join a committee or start a committee. Recognize your value and the value of all members of the DCLTA. Let’s see what we can do together to make DCLTA the organization that represents the voice of title for decades to come.

Amy E. Klein

DCLTA President 2022-2023

ALTA TIRS STATE COMPLIANCE GUIDE

DCLTA admin — Tue, 14 Jun 2022 19:30:16 GMT

ALTA TIRS STATE COMPLIANCE GUIDE

As you may know, ALTA maintains a state-by-state regulatory information product called TIRS State Compliance Guide. The 2022 Washington DC TIRS State Compliance Guide is now updated! It is a great resource to stay up to date with Washington DC’s legislative changes and customs and practices.

Developed by industry regulatory counsel, each state guide has been reviewed by in-state editors to ensure that the guides reflect the proper legal and operational environment in all jurisdictions.

"ALTA thanks Brian W. Thompson, Esq., Director of Jackson & Campbell, PC, and Board Member of the District of Columbia Land Title Association for his invaluable industry expertise and his time and effort in updating this guide."

The District of Columbia’s TIRS guide is available for
download for FREE at
https://www.alta.org/tirs-state-compliance-guide/

DCLTA members get a $100 discount for the purchase of any other individual
TIRS state guide with code “TIRS100”.
This offer is not valid with any other offer.

Contact Carolina Perez at cperez@alta.org for additional information or if you need assistance in purchasing the
TIRS State Compliance Guides”

OTR Homestead Unit Suspending Processing Of Homestead Applications

Fri, 12 Jul 2019 15:11:54 GMT

The division of the DC Office of Tax and Revenue that processes Homestead/Senior/Disabled applications (FP-100) has announced that, as of July 17, 2019, it will suspend the processing of applications, grant benefits, and tax account adjustments. This action was “taken to meet a demanding billing timeline to reconcile tax accounts” associated with the upcoming 2019 2^nd half tax year billing.

It is anticipated that the office will resume normal processing on August 16, 2019, but that it may take up to 45 days for accounts to be “updated and a corrected tax bill mailed”. Obviously, tax bills that go out without current homestead reductions may be paid (by lenders and others) in the interim, which may require refunds of overpayments.

Inquiries should be directed to homestead@dc.gov.

ALTA Urges CFPB to Warn Consumers About Wire Fraud Schemes When Purchasing a Home

Tue, 11 Apr 2017 19:56:13 GMT

Washington, D.C., April 4, 2017 — The American Land Title Association (ALTA), the national trade association of the land title insurance industry, in a letter urged the Consumer Financial Protection Bureau (CFPB) to issue an alert warning consumers about wire fraud schemes attempting to steal funds for real estate closings.

“Despite efforts by the title industry and others to educate consumers about the risk, homebuyers continue to be targeted,” said Michelle Korsmo, ALTA’s chief executive officer. “With the spring homebuying season underway, it’s vital to continue raising awareness about these schemes. The CFPB should take this opportunity to protect consumers from criminals looking to steal their money.”

The alert should provide tips to on how to consumers can protect themselves and questions to ask to help determine if real estate professionals have procedures in place to protect their money. ALTA has educated its members over the past few years about these wire fraud schemes, but the best defense is to inform consumers about the danger.

“Unfortunately, these criminals frequently target homebuyers prior to the title company getting involved in the transaction,” Korsmo said. “In many instances, they obtain access to unsecure email accounts used by consumers or real estate professionals. They use this access to find transaction patterns and details to make their fraudulent communications seem legitimate. The criminals will instruct the buyers to send the funds to a different account and the money vanishes in minutes.”

ROD CLOSED Thanksgiving day and Friday, 11/25.

Mon, 21 Nov 2016 21:01:01 GMT

Ida Williams has informed us that ROD will be closed on Thanksgiving and Friday, 11/25. Regular hours will be observed on Wednesday 11/23.

CFPB Proposed TRID Changes

Fri, 29 Jul 2016 18:16:34 GMT

Today the Consumer Financial Protection Bureau (CFPB) announced a Notice of Proposed Rulemaking (NPRM) for the TILA-RESPA Integrated Disclosure (TRID) rule. THIS IS BIG NEWS. We have until October 18 to tell our story and explain to the CFPB how TRID is impacting consumers.

The Title Action Network (TAN) has developed FOUR EASY STEPS to ensure you understand the proposed changes and can help us tell the CFPB to fix the problems with TRID over the next 60 days:

ENGAGE: Learn more about the proposed changes by clicking here. Be sure to open our TAN emails to receive timely information on TRID and the comment period.
COMMENT: Soon the comment period will be open at Regulations.gov (the government website designed to collect regulatory comments). TAN has streamlined the process to work like any other TAN call to action with just a few easy clicks!
RECRUIT: Ask all of your staff and industry colleagues to join TAN now so they also have the most up- to-date information. Our voice must be stronger than ever to ensure the CFPB makes the appropriate changes to TRID! TAN is 100% free, doesn’t clog your inbox and is open to all in the land title industry.
ACTIVATE: Sign up for text alerts to easily take action from anywhere using your phone by clicking here. (If you’ve previously signed up for text alerts you do not need to do so again).

Click here to access ALTA’s statement on the CFPB’s proposed changes.

Sincerely,

Wayne Stanley
American Land Title Association
202-296-3671

DC WASA Authorization Form

Fri, 29 Jul 2016 14:23:40 GMT

I am sure you all are aware of the new requirement from DC Water that the Seller(or account holder) sign an authorization form to receive any information on the account including balances. I sent our general information request form for the Seller,in which we added authorization for DC Water to the existing language giving authority for payoffs, etc.

Below is their authorization for our language:

"A customer’s signature on this form satisfies DC Water’s authorization requirements in the following statement:

I authorize _____________________(title agency) to request loan information, including tax and payoff information, from my current lender(s) on my behalf; to order my prior Owner’s Title Insurance policy on the above property; and to request, on my behalf, any information necessary to clear potential title issues on the above property, including but not limited to contacting condominium management companies, neighborhood associations, water and utility companies, and/or other corporate or governmental entities."

Please amend your forms and you will be in compliance with DC Water’s requirements.

Regards,

R. Bradley Runyan, DCLTA WASA Committee Chair

Recruit and You Could CRUISE Through Summer

Thu, 14 Jul 2016 15:47:52 GMT

Dear DCLTA Members and Friends:

The Consumer Financial Protection Bureau (CFPB) will be considering changes to the TRID rule later this summer. We need your help to ensure TAN’s voice is stronger than ever as we work to convince the CFPB to fix portions of TRID.

Let your voice count – Join TAN now!

Join by JULY 22^nd for a chance to win a 3-NIGHT CARIBBEAN CRUISE!

Each person that you recruit to join TAN between today and July 22 will enter you to win a 3-night Caribbean cruise! All they have to do is join TAN at www.titleactionnetwork.com and enter your name as their “referral.” All new TAN members must join by July 22 to be counted toward this contest. The more you recruit, the more you win! Learn more at www.titleactionnetwork.com/cruise/.

U.S. House Passes ALTA-Driven TRID Bill with Veto-Proof Majority

Thu, 08 Oct 2015 20:32:24 GMT

Washington, D.C. - October 7, 2015 — The American Land Title Association (ALTA), the national trade association of the land title insurance and real estate settlement services industries, released the following statement following tonight’s passage of the Homebuyers Assistance Act, H.R. 3192, by a vote 303 to 121 in the U.S. House of Representatives:

“Tonight’s overwhelming bipartisan and veto-proof vote shows that the House of Representatives recognizes the need for consumers to continue to receive a positive and compliant real estate transaction,” said Michelle Korsmo, ALTA’s chief executive officer. “We greatly appreciate the support of Reps. Reps. French Hill (R-AK) and Brad Sherman (D-CA) and their efforts to pass this important legislation.”

"We urge the Senate to pass this bill immediately so that our ALTA members and the broader real estate members can focus on delivering quality service to consumers when buying a home or refinancing a mortgage. Without certainty, service providers are likely to close fewer transactions to ensure compliance with TRID, which will delay homeownership for consumers around the country,” Korsmo continued.

“Members of the Title Action Network sent nearly 8,000 emails and letters supporting H.R. 3192. We look forward to activating our grassroots network once again to support Sens. Tim Scott (R-SC) and Joe Donnelly (D-IN) to bring S. 1711, the Senate version of H.R. 3192, to the Senate floor as soon as possible.”

###

Wayne M. Stanley

Director of Public Affairs

American Land Title Association

DCLTA - Election of Board

Tue, 06 Oct 2015 15:37:15 GMT

The DCLTA annual meeting and election of Officers

June 17, 2015.

Sworn in by Madeline Nagy of ALTA, are the following:

Board Members and Officers:

Betsy Russo – President , Ben Soto – Vice President, Brian Thompson – Treasurer and President Elect (to take over after the 2016-2017 term)

Barbara Kemp - Secretary

Board Members at Large:

Stuart Kruger, Bradley Runyan, Michael O’Neal, Scott Sweitzer,
and
Manus Holmes, Kevin Anderson, Chris Darby, Jack Reid

Searching DC Public Space and Vault Rental Information

Michael Russo — Tue, 28 Apr 2015 14:17:07 GMT

DC's Mr. Torrell Thomas a Real Property Program Specialist Assessment Services Division as advised that the best way to search for Public Space and Vault Rental information is to contact him directly. The information available on the searchable database is not complete.

Mr. Thomas can be reached at the following:

Mr. Torrell Thomas,
1101 4th St, SW, Suite W550
Washington, DC 20024
P: 202.442.6769| F: 202.442.6691
torrell.thomas@dc.gov
http://cfo.dc.gov

THANK YOU TO MR. THOMAS FOR REACHING OUT TO PROVIDE THIS VALUABLE INFORMATION.

Regards,

Mike Russo

President, DC Land Title Association

DCLTA and ALTA Letter to DISB Acting Commissioner McPherson

Michael Russo — Wed, 08 Apr 2015 16:25:23 GMT

On March 27, 2015 DCLTA joined with the American Land Title Association (ALTA) to write to DISB Acting Commissioner McPherson to express or continuing concerns with the DISB rate review process. The letter can be reviewed by clicking this link: DCLTA & ALTA Letter to DISB Acting Commissioner McPherson. We have not yet had any formal response from Mr. McPherson. We will continue our efforts.

Should you have any questions or comments regarding this process, please do not hesitate to contact us.

Regards,

Mike Russo, President

DC Land Title Association.

DISB Commissioner Barlow Responds to DCLTA

Michael Russo — Tue, 24 Feb 2015 15:38:24 GMT

DISB Insurance Commissioner Philip Barlow has responded to DCLTA's letter regarding the proposed DC settlement agent rate examination. The response can be read at the following link: DISB's Response to DCLTA 021915.

While I am certain you will agree that the response is somewhat disappointing, it also sheds some light on DISB and Mr. Barlow's expectations from the process. In particular, Mr. Barlow states, as follows: "I also want to reiterate that the purpose of looking at
information from individual producers is not intended to be a compliance audit. Rather, we are using the examination format as the safest and most effective method of getting the information needed for Mr. Birnbaum' s charge and to better enable the DISB understand the elements necessary to carry out our responsibilities under District law for reviewing rate filings." He also notes his interest in DCLTA's future presentation on rate avoidance issues specific to DC settlement practice.

We are preparing the presentation and hope to get a date on the calendar for March to meet again with DISB for this presentation. DCLTA will need your assistance in preparing for this. In particular we are looking for an "in the DC trenches" perspective on your most pervasive DC risk avoidance problems; practical examples of these issues; and, any memos, guidelines or other written material that will illustrate the problems or necessary remedial processes. In our last letter to DISB we included an outline of some such issues. A copy can be reviewed at this link: DC Title Considerations. Please contact me if you are able to assist us in moving this process forward.

As always if you have any questions let us know and if you are able to help, please do hesitate to contact me.

Regards,

DC Land Title Association

Mike Russo, President

mailto:russo@CouncilBaradel.com

DCLTA's response to DISB on Rate Exam Questions for Settlement Agents

Michael Russo — Mon, 16 Feb 2015 22:59:50 GMT

Through the enormous effort of Amy Klein, Roy Kaufman and Betsy Russo and with the generous cooperation and contribution of many members, DCLTA has responded to DISB with our comments regarding their proposed settlement agent Rate Exam Questions. Our response can be read at this link:DCLTA Letter to DISB with attachments 2/16/2015.

We are planning to follow up with a presentation to DISB regarding risk avoidance obligations and other activities unique to being a responsible settlement agent in the District of Columbia. We will be calling on members once again to assist with that process.

We are hopeful that DISB will choose to continue this important dialogue. However, DISB is free to proceed as it chooses. We will continue to keep you informed of developments as we learn of them. Likewise, we ask you to contact us with any questions, comments or observations you may have.

Regards,

DC Land Title Association

Mike Russo, President.

DISB - Rate Examination Statutes and Warrant

Michael Russo — Mon, 26 Jan 2015 15:46:47 GMT

Law on Examinations - DC Code Title 31, Chapter 14

Insurance Title Producers - DC Code 31, Title 50B

DISB Rate Exam Warrant

DISB TO QUESTION SETTLEMENT AGENTS

Michael Russo — Fri, 23 Jan 2015 22:41:07 GMT

All:

I want to update you regarding the meeting on Thursday January 22 with DISB Associate Commissioner Philip Barlow and Actuary Robert Nkojo and Birny Birnbaum the independent contractor retained by DISB to conduct the rate examination. The meeting was also attended by Justin Ailes and Wayne Stanley with ALTA, Donna F. Shuler and Tessa Edison with Answer Title, Ben Soto with Premium Title, Todd Ewing with Federal Title, Amy Klein with District Title and Elizabeth Russo with MCP Title Services, LLC.

The bottom line is: DISB will be sending questionnaires to at least 10 DC settlement companies whom they will select and will expect answers about how these agents conduct their business. Agents will be selected by DISB and DISB states that responses will be kept confidential. DISB’s examiner will then visit the 10 selected companies and spend about 4 hours interviewing employees and following up on the questions and answers. This process is permitted in a regulated industry, as ours now is, and cannot be avoided.

The proposed questions can be found at this link:
DISB - draft request to title agents 1-22-15.pdf

Once DISB gets this information it will publish a report on the industry in DC and will make recommendations as to whether DC policy premium rates are too high. THIS WILL HAPPEN.

The question for DCLTA and its members is: What can we do about it? Our concern is that if DISB’s examination is not comprehensive enough they will fail to determine the nature and scope of all the work DC agents perform and expenses they incur to provide first class service to the DC community.

Phillip Barlow invited the agents to volunteer examination of their business operations and or to share any information that they believe would be useful for DISB’s understanding of the business, even if the information is not included in the draft requests, attached above. DISB would like information about title issues unique to DC. DCLTA WILL NEED YOUR COOPERATION IN PROVIDING THIS INFORMATION EVEN IF YOU ARE NOT ONE OF THE SELECTED AGENTS.

We urge you to review the draft questions and provide me with your concerns as soon as possible. Also, I need your comments on how best to inform DISB of the realities of our industry in DC. Finally, please let me know whether you would be willing to provide DCLTA with your own company’s answers to these questions – even if you are not one of the selected companies – so that we can compile the responses and forward them to DISB (without identifying your agency).

THE ENTIRE BILLING STRUCTURE WILL CHANGE FOR AGENTS IN DC. THE QUESTION IS HOW IT WILL AFFECT EACH OF OUR MEMBER AGENTS AND WHAT WE CAN DO TO INFLUENCE THAT CHANGE. DCLTA cannot help without your cooperation.

We encourage you to get involved and have a voice in the process.

Regards,

Mike Russo,

President, DC Land Title Association.

DISB - draft request to title agents 1-22-15.pdf

DC Water Certified Outstanding Balance Request Form

(Past member) — Fri, 09 Jan 2015 21:29:20 GMT

As most settlement agents and attorneys know too well, escrowing the correct amount for outstanding utility bills is crucial during residential transactions when final bills are not available until after closing has occurred.

To assist our members, I have attached the preferred form to request the outstanding DC Water balance prior to closing.

Certified Balance Request Form (2).docx

DC Recorder of Deeds Job Vacancy Announcements

(Past member) — Tue, 23 Dec 2014 20:03:57 GMT

Dear John,

If you are contemplating a career move while between your various holiday over-indulgences, attached are some job vacancy announcements that may be of interest to you!

Warm Holiday Wishes,

DCLTA

ROD-Examiner Position.pdf

ROD-Lead Examiner Position.pdf

DCLTA MEMBER INPUT NEEDED FOR DISB MARKET CONDUCT EXAMINATION OF TITLE INSURANCE RATES

Michael Russo — Mon, 22 Dec 2014 16:55:47 GMT

DCLTA MEMBER INPUT NEEDED FOR DISB MARKET CONDUCT EXAMINATION OF TITLE INSURANCE RATES

As many of you are aware the District of Columbia’s Department of Insurance, Security and Banking (DISB) is conducting a market conduct examination of the DC’s title insurance rates. The stated goal of this examination is to “evaluat[e] DC title insurance rates and examining issues related to the operating environment in DC for title insurers and title agents…to identify all title insurance and settlement service activities to ensure that expenses associated with each set of activities are segregated or assigned to just those activities. … to examine all title insurance and settlement expenses to perform any evaluation of the reasonableness of the agent commission.”

Specifically, it is currently not clear to the DISB “why DC title insurers are paying 80 to 85% of the risk rate title premium in commissions to title agents. District of Columbia Title Rate Examination: Revised Follow Up Questions, November 6, 2014. DISB is seeking to identify the specific roles and activities of settlement agents in a settlement of DC property so that they can assess the cost to the consumer of products and services to consumers.

To assist in this process and to make sure that all of our membership has a voice in the process, I am inviting any interested settlement company member, or any member in any aspect of our industry, to volunteer to communicate with DISB’s representatives to educate them on the realities of their respective roles in our industry. It is my goal that the governmental unit that regulates our industry is acutely aware of the work, professional judgment, training and experience that goes into bringing a high quality experience and insurance product to the citizens of the District of Columbia.

Participation in this process will require only a modest time commitment from settlement agents and should be concluded in the next several weeks. If you are able to participate in this important process affecting our industry please contact me at your next convenience at Russo@CouncilBaradel.com.

Thank you and have a great holiday season.

Mike Russo

President, DC Land Title Association.

New ROD Requirements/Forms for Refinances and Modifications/Amendments

(Past member) — Wed, 08 Oct 2014 17:51:59 GMT

ROD has posted on its website general recording requirements for commercial refinances and modifications/amendments. The requirements are in line with OTR’s Notice of May 2014, and hopefully answer the questions of commercial filers in terms of required supporting documentations.

The purpose of this document is to mainly enforce a uniform, standard way of the information presented on the statement to the FP7. A standardized statement to the FP-7 will assist filers to submit relevant information and to present them in an order that facilitates an effective and accurate review by ROD examiners.

Below is the link to the newly posted document. Please feel free to contact the ROD management staff if there are any questions. Please share this email with your colleagues. Thank you!

http://otr.cfo.dc.gov/service/otr-recorder-deeds

FROM IDA WILLIAMS, Esq., DC RECORDER OF DEED -- Final Draft of Part J of FP-7

Michael Russo — Wed, 24 Sep 2014 17:35:08 GMT

EMAIL FROM IDA WILLIAMS, Esq., DC RECORDER OF DEED -- Final Draft of Part J of FP-7

Attached is the final draft of Part J of FP-7 which reflects some of the suggestions from the DCLTA membership. Thank you everyone for your comments!

The revised FP7 form is targeted to be on ROD’s website in a couple of weeks. It will be the only FP7 form that ROD will accept as of January 1, 2015, so please keep it in mind when conducting settlements close to the end of this calendar year.

As usual, myself and ROD Deputy Amy Conn will be more than happy to answer your questions on this matter.

Ida Williams, Esq.

Recorder of Deeds

Office of the Recorder of Deeds

Real Property Tax Administration

Office of Tax and Revenue

1101 4th St SW-5W

Washington D.C. 20024

Direct phone: (202) 442-8610

ida.williams@dc.gov

Message from DC Recorder - Ida Williams -- New OTR Notice on Purchase Money Deed of Trust

Michael Russo — Tue, 16 Sep 2014 15:06:01 GMT

MESSAGE FROM IDA WILLIAMS, DC RECORDER OF DEEDS:

I would like to get the attention of DCLTA members about a new OTR notice on purchase money deeds of trust. The notice is very simple and straightforward in requiring full compliance with DC Code 42-1103(b-1)(2). Below is the link to the notice. This notice is the precursor to the upcoming notice and changes in the FP-7. Please feel free to contact me if there are any questions.

http://otr.cfo.dc.gov/page/otr-notices

DC Recorder of Deeds - Proposed Changes to FP-7, Part J. COMMENTS REQUESTED

Michael Russo — Tue, 16 Sep 2014 14:41:09 GMT

The Recorder of Deeds has reached out to DCLTA to get our members input on the proposed revisions to the FP7 Form.

The main revision will focus on Part J of the FP7 which deals with consideration and its financing. The current form does not provide for information on what portion of the loan is purchase money. So, the intent is to have the filers separately show the purchase money amount or other exempt amounts vs. the non-exempt amounts.

Please see the email below from Ida Williams, Recorder of Deeds, and provide your input by email. Thank you.

The proposed revision aims at revamping Part J of the FP-7. Currently part J provides fields for Cash, First Mortgage, Second Mortgage; Assumed. There is Line 1 “Construction loan”; line 2 “Total Consideration”; line 3 “Assessed value if no consideration or nominal”.

DC Code section 42-1103 (b-1)(2) provides for recording requirements of a purchase money deed of trust. One of the provisions is that a purchase money DOT should recite on its face the amount of purchase money being secured by the instrument. The industry and ROD practice so far has been to overlook this requirement. Very rarely do purchase money DOT-s, commercial and residential, conform with this legal requirement. The current FP7 doesn’t provide for separate fields for the purchase money to be inserted.

(2) A purchase money mortgage or purchase money deed of trust submitted to the Mayor for recordation shall:

         (A) Be executed by the purchaser of the real property as part of a series of transactions conveying title to real property to the purchaser;

         (B) Reference the deed conveying title to the purchaser of the real property by date and instrument number;

         (C) Recite on the face of the document that it is a purchase money mortgage or purchase money deed of trust; and

         (D) Recite on the face of the document the amount of purchase money that it secures.

The effort at this point is to have part J of the FP-7 contain fields for the purchase money amount and other exempt amounts in cases of refinances, modifications or other partially exempt transactions. Below is an idea in its very infant stages as to what Part J of FP7 should contain. Suggestions and ideas are being sought to have a comprehensive and easy to follow part J of FP-7.

Part J-Consideration and Financing

(a)    Acquisition

Cash

First Mortgage                Purchase Money Amount _______                        Non-Exempt Amount ______

Second Mortgage            Purchase Money Amount _______                        Non-Exempt Amount ______

Assumed                             Purchase Money Amount _______                        Non-Exempt Amount ______

Other

Total of All Non-Exempt DOT-s                                                                                                                                  _______________

(b)   Financing NOT Related to Transfer of Title

First Deed of Trust                           Exempt Amount _______________                     Non-Exempt Amount _______

Second Deed of Trust                    Exempt Amount _______________                     Non-Exempt Amount _______

Other                                                    Exempt Amount _______________                     Non-Exempt Amount _______

Total of all Non-Exempt DOTs                                                                                                                                     ____________________

Line 1.   Total Acquisition Consideration

Line 2.   If no consideration use Assessed Value

Line 3. Total of all Non-Exempt DOTs (a and b)

Ida Williams, Esq.

Recorder of Deeds

Office of the Recorder of Deeds

Real Property Tax Administration

Office of Tax and Revenue

1101 4th St SW-5W

Washington D.C. 20024

Direct phone: (202) 442-8610

ida.williams@dc.gov

DC Court of Appeals: Condo Lien Super-priority Trumps First Deed of Trust.

Michael Russo — Fri, 29 Aug 2014 21:07:54 GMT

In a stunning reversal of the holding of the D.C. Superior Court, the D.C. Court of Appeals held that the foreclosure of a condominium lien can extinguish the lien of a deed of trust. The case, which was decided August 28, 2014, is Chase Plaza Condominium Association, Inc. and Darcy, LLC, v. JP Morgan Chase Bank, N.A.,

The primary issue in the case was whether the special 6 month priority given to condominium association dues under D.C. Code § 42-1903.13 (a)(2) resulted in a lien that if foreclosed, would extinguish all inferior liens, including deeds of trusts and mortgages. The Superior Court had ruled that the liens were not extinguished but the Court of Appeals reversed this ruling and held that all subordinate liens were extinguished by the foreclosure. If this holding is not further challenged by JP Morgan, the result will be that the lien of all deeds of trust which are secured by condominium units are subject to being extinguished when the unit holder fails to pay any condominium dues.

A copy of the opinion can be found at this link http://www.dccourts.gov/sites/default/files/pdf-opinions/13-CV-623plus.pdf

CORRECTION -- COUNTYFUSION SYSTEM - April 7th Classes CANCELLED

Michael Russo — Fri, 04 Apr 2014 21:37:07 GMT

Sorry for the confusion. The classes for users are cancelled and will be re-set in the future. We will let you know when we have more information.

DCLTA

DISB releases regulations relating to the implementation of the recently passed amendment to the foreclosure mediation statute

Wed, 19 Mar 2014 13:15:22 GMT

The regulations relating to the implementation of the recently passed amendments to the foreclosure mediation statute were finally issued by the Department of Insurance, Securities and Banking. They were issued effective as of March 4, 2014 and were published in the March 14, 2014 District of Columbia Register. The regulations were issued as both emergency regulations and proposed final regulations. The emergency regulations take effect immediately but expire on July 2, 2014. There is a 30 day comment period for the proposed regulations but barring a big surprise, it is anticipated that the proposed regulations will be issued in final form shortly after the comment period. Here is a link to the page in the DC Register where the regulations can be found. http://www.dcregs.dc.gov/Notice/NoticeListForPublic.aspx?type=Issue&CategoryName=EmergencyandProposedRulemaking&IssueID=442

NEW ROD WEBSITE -- Status of Search Functionalities

Michael Russo — Thu, 06 Mar 2014 20:03:00 GMT

All,

Below are the time frame responses we received from the vendor. ROD will continue to work closely with both the title industry and the vendor to achieve all the necessary improvements to the website.

COMPLETED/NEAR COMPLETION - Completed already or in the coming week

· Allowing users to sort by Roll/Frame – scheduled for the end of this month..
· Ability to search for multiple, non-consecutive, lots at one time - scheduled for the end of this month.
· Remove excess names from the search result page – Completed
· Improving readability of Print results and of the document itself. The text of copies is small and hard to read. – scheduled for the end of this month
· Make Square and Lot the default search criteria instead of Name – Completed, for the external site
· Increase speed of search and printing. The system is very slow in generating results and printing - Seems to have been completed. Propertyinfo is continuing to work on optimizing the results, but is not noticing any significant delays at this time. Keep in mind, that if there is a significant amount of users using the website at one time, that load will cause the search to work slower.
· Easy way for the user to get an email of receipt at the time of recording email themselves the receipt – Completed. All users (other than Guest users) have the ability to email the document to themselves instead of printing or downloading. If they choose this option, they will get a receipt emailed to them at this time as well
· Ability to email a purchased document without saving it first page – Completed

SLATED FOR FUTURE DEVELOPMENT – Each of these items should be completed within the next two release cycles (End of March or Summer)

· Allowing users to sort by Book Type – Should be added by Summer Release
· Adding comment to payment area to denote client number/billing to show on receipt –Looking to get added by Summer release.

ON FEATURE REQUEST LIST – NOT CURRENTLY SLATED FOR DEVELOPMENT

· Allowing users to sort Square/Lot – It is added to request list for possible release in the summer.
· Advanced sort functionality allowing sorting up to 3 variables at a time – It is added to request list for possible release in the summer.
· Add ability to go directly to Print History for printing documents previously purchased on CountyFusion – It is added to request list for possible release in the summer.

Ida Williams, Esq.
Recorder of Deeds
Office of the Recorder of Deeds
Real Property Tax Administration
Office of Tax and Revenue
1101 4th St SW-5W
Washington D.C. 20024
Direct phone: (202) 442-8610

ida.williams@dc.gov

NEW ROD Website - Search Functionalities from Ida Williams, Recorder of Deeds

(Past member) — Fri, 28 Feb 2014 16:26:39 GMT

Below is what I hope to be an almost inclusive list of improvements to the website that was sent to the developers today. I will keep you updates as to the status of requested improvements.

Allowing users to Square/Lot, Book, Roll/Frame (completed for upcoming release) sortable search fields
Ability to search for multiple, non-consecutive, lots at one time
Advanced sort functionality allowing sorting up to 3 variables at a time
Add ability to search by consecutive document range on external website or non-sequential documents simultaneously;
Remove excess names from the search result page
Improving readability of Print results and of the document itself. The text of copies is small and hard to read.
Make Square and Lot the default search criteria instead of Name;
Increase speed of search and printing. The system is very slow in generating results and printing;
Adding comment to payment area to denote client number/billing to show on receipt
Easy way for the user to get an email of receipt at the time of recording email themselves the receipt

· Right now the receipt pops up, but disappears immediately in the print queue process so I’m generally not able to retrieve it.

· Allow credit card charge fields to accept special characters;

Ability to email a purchased document without saving it first;
Add ability to go directly to Print History for printing documents previously purchased on Countyfusion;

Ida Williams, Esq.

Recorder of Deeds

Office of the Recorder of Deeds

Real Property Tax Administration

Office of Tax and Revenue

1101 4th St SW-5W

Washington D.C. 20024

Direct phone: (202) 442-8610

ida.williams@dc.gov

MESSAGE FROM IDA WILLIAMS, RECORDER OF DEEDS REGARDING NEW ROD WEBSITE

Thu, 27 Feb 2014 16:52:44 GMT

MESSAGE FROM IDA WILLIAMS, RECORDER OF DEEDS REGARDING NEW ROD WEBSITE:

Good morning everyone,

First of all I would like to thank everyone for the controlled patience and understanding most of you have shown on this first frustrating week of the new website. I would like to assure everyone that ROD is working hard with the developer to address all the concerns you have brought up to my attention. I tried to include as many title searching offices as I could remember in this email. Please share this email with your colleagues so ROD can have a deeper reach to the title community.

The new website which became effective February 24th, 2014 was a project slated to take place since 2009. I wish it did happen at that time, so Mr. Todd could take the heat for all the anomalies which are expected and inherent in any project of this nature and magnitude. J

The first problem, which appears to have been resolved, was the copy fee of $4.00 for subscribers instead of $2.00. Propertyinfo will credit back each subscriber’s account that was charged the extra $2.00. If you continue to have the fee problem, and/or haven’t received the credit please email: gssuport@propertyinfo.com; and copy me as well.

The new website looks different from the one we all were so used to and loved. Please let’s allow ourselves time to get acclimated to the new way the information is presented. The major concern from all the abstractors I have talked to is the loss of some functionalities that were available in the old website. I have conveyed all those issues to the developer in order to make the appropriate changes in the system. However, I would also prefer to have an all inclusive, comprehensive list of the main search capabilities the new system should have to assist searchers in their work. Please take a look at the list of issues below and let me know if there is anything else the website should provide in terms of title searching. The issue of printing out for free copies that were previously purchased in the old system is not something that can be addressed at this time, so please do not include it.

Here is what I have been asked by abstractors so far:

• Ability to search for multiple, non-consecutive, lots at one time

• Improving readability of Print results

• Allowing users to sort by Square/Lot, Book, Roll/Frame

• Advanced sort functionality allowing sorting up to 3 variables at a time

• Add ability to search by consecutive document range

• remove excess names from chain in order to make it more user

friendly, easier to read and reduce the possibilities of mistakes.

Again, thank you for your patience. I am positive that our collaborative efforts will make the new website a reliable tool in your hands.

Ida Williams, Esq.

Recorder of Deeds

Office of the Recorder of Deeds

Real Property Tax Administration

Office of Tax and Revenue

1101 4th St SW-5W

Washington D.C. 20024

Direct phone: (202) 442-8610

ida.williams@dc.gov

PRIA Winter Symposium - Charting the Course - Thursday February 27

(Past member) — Tue, 25 Feb 2014 13:49:55 GMT

Charting the Course through Demographics

Charting The Course for additional details and the Registration Form.

Mark your calendar for Thursday, February 27, when Ken Gronbach, demographer and futurist, will provide a

glimpse into the future of the land records industry. From the real estate comeback to the rise in small, local

financial institutions to the “boomer” retirement, he’ll explain how the forces will unite to change the

landscape of the country.

This half-day program is sponsored by the Property Records Industry Association (PRIA) in conjunction with its

2014 Winter Symposium at the Marriott Crystal City, Arlington, VA.

DC Land Title Association President's Update 10/16/2013

(Past member) — Fri, 18 Oct 2013 17:30:19 GMT

GREETINGS FROM ALTA’s ANNUAL MEETING

From Mike Russo, President, DCLTA – October 14, 2013

DCLTA President-elect Leslie Kostelecky and I attended the ALTA Annual Convention in Florida this past week. The location was wonderful and the discussion stimulating. The attendees and speakers included innovators and strong leaders in the title industry. Many of the sessions focused on the CFPB regulatory changes and the related adjustments of the lending industry. CFPB’s new “RESPA/TILA” regulations are expected before the end of the year. This new Rule will impose a new combined HUD-1/TILA form and possibly an entirely new process (“Will the lender be required to complete the HUD-1 and not the settlement agent?”) DCLTA encourages our members to learn and respond to this new environment which will help you remain competitive and successful. DCLTA will stay on top of the CFPB rules and regulations and we will update you regarding compliance.

CFPB IS ALREADY STIRRING UP THE ENFORCEMENT POT

My conversations with our colleagues and peers from across the country are somewhat sobering. I heard of situations were CFPB’s regulators, joined by armed federal agents have visited settlement companies to interview staff, out of the owner’s presence. The regulators wanted to know how the settlement company was drafting Best Practices policies and whether those policies were actually being followed in the day to day workings of the company. I also heard of several instances where national lenders have contacted agents just days before a settlement and required completion of comprehensive forms, similar to the Best Practices pillars. The lender required satisfactory completion before loans would be funded. It is clear that the regulators are hearing ALTA’s touting of its ‘Best Practices’ as an answer to regulatory reform and are putting pressure on lenders and the title industry to test compliance. It is more important now than ever to review the ALTA Best Practices and to implement them in your business. This preparation will give you an opportunity to be “lucky” and prepared when and if you are faced with inquiries from the regulators or lenders. You can get started on ALTA’s Best Practices at: http://www.alta.org/bestpractices/index.cfm .

DC NEW LAWS AND REGULATIONS

Locally, our regulator the Department of Insurance, Securities and Business (DISB) has also been busy. DISB has informally proposed regulations to implement - B20-0268 "SAVING D.C. HOMES FROM FORECLOSURE” law. The notice and proposed regulations will be on the DCLTA web site (www.dclta.com ) and a stakeholder’s meeting is scheduled for this week. DCLTA is taking an active role in reviewing and commenting on the rule, where necessary. We are pleased that DISB has taken our prior comments and included them in the latest version of the law. The focus of our efforts will be to make sure that those protections remain in the rule at implementation. We will keep you informed on this process.

The DC City Council and has also announced a hearing on three (3) pending tax sale bills relevant to our industry: Bill 20-23, the “Residential Real Property Equity and Transparency Act of 2013”, Bill 20-318, the “Senior Citizen Real Property Tax Relief Act of 2013”, and Bill 20-476, the “District Real Property Tax Sale Act of 2013”. The Public Hearing Announcement and the text of the bills will be posted on the DCLTA website: www.dclta.com. These laws intend to give the elderly, veterans and those owing only modest amounts in taxes broader rights to avoid losing their homes to tax sales. DCLTA’s focus for this proposed legislation is to see that whatever rights are provided to homeowners, there is finality in the bills. We need certainty that a homeowner must raise all of his rights in the sale and tax sale foreclosure process and not be permitted to renew challenges or raise them for the first time in a subsequent law suit after a Tax Deed has been issued. We will keep you informed of developments in these laws.

DCLTA – Upcoming Events

NOVEMBER 5, 2013 – Noon to 4pm. Lunch and Learn at Maggianos.

We have a wonderful program planned for November 5^th.

DC Land Title Association FALL Seminar

November 5, 2013

Maggiano's Little Italy • Chevy Chase

5333 Wisconson Avenue, NW

Washington, DC 20015

Registration begins at 11:30 a.m.

Lunch noon to 1:00 p.m.

Seminar from 1:00 p.m. to 4:00 p.m.

Practical Application of “Best Practices” to Your Company– Elizabeth M. Russo, Esq.
DC Legislative Updates– David Cox, Esq.
Resolving Common DC Recording Issues – Christopher Naughten, Esq. w/panel discussion including Ida Williams, Recorder of Deeds and, Larry Blasingame.

CE Credit: 3 hours DC, 1 hour Virginia and 1 hour Maryland.

You can sign up for this event on line at: http://www.dclta.com/events?eventId=747261&EventViewMode=EventDetails.

Public Hearing - 101713.pdf

Rules- BDA Rough Updated underlined version.pdf

How to Access the Website as a Member

Thu, 03 Oct 2013 17:10:11 GMT

Our website has recently been revamped. In order to sign in, members must enter their email address and select “Forgot Password.” A new password will be emailed to you. Upon logging in for the first time, you will be able to change your password. This will enable you to sign in as a member and pay the member price for the November 5, 2013 Fall Seminar.

ROD Jobs - Legal Instruments Examiner

(Past member) — Mon, 30 Sep 2013 16:25:41 GMT

For full Position Vacancy Announcement, open link:

ROD Jobs- Legal Instruments Examiner.pdf

JOB POSTING - 13-AD-OTR-0039 (RPTA) Legal Instruments Examiner

(Past member) — Fri, 09 Aug 2013 13:16:40 GMT

For full Position Vacancy Announcement, open link:

13-AD-OTR-0039 (RPTA)- Legal Instruments Examiner.doc

JOB POSTING - 13-AD-OTR-0029 (RPTA) Supervisory Legal Instruments Examiner

(Past member) — Fri, 09 Aug 2013 13:15:00 GMT

For full Position Vacancy Announcement, open link:

13-AD-OTR-0029 (RPTA)- Supervisory Legal Instruments Examiner.doc

District of Columbia Land Title Association News

Advocacy In Action

Revised Notice - DC ROD Construction

OTR Tax Notice On Taxation Of Instruments Relating To Refinances And Modifications

President's Message - March 2023

ALTA TIRS STATE COMPLIANCE GUIDE

OTR Homestead Unit Suspending Processing Of Homestead Applications

ALTA Urges CFPB to Warn Consumers About Wire Fraud Schemes When Purchasing a Home

ROD CLOSED Thanksgiving day and Friday, 11/25.

CFPB Proposed TRID Changes

DC WASA Authorization Form

Recruit and You Could CRUISE Through Summer

U.S. House Passes ALTA-Driven TRID Bill with Veto-Proof Majority

DCLTA - Election of Board

Searching DC Public Space and Vault Rental Information

DCLTA and ALTA Letter to DISB Acting Commissioner McPherson

DISB Commissioner Barlow Responds to DCLTA

DCLTA's response to DISB on Rate Exam Questions for Settlement Agents

DISB - Rate Examination Statutes and Warrant

DISB TO QUESTION SETTLEMENT AGENTS

DC Water Certified Outstanding Balance Request Form

DC Recorder of Deeds Job Vacancy Announcements

DCLTA MEMBER INPUT NEEDED FOR DISB MARKET CONDUCT EXAMINATION OF TITLE INSURANCE RATES

New ROD Requirements/Forms for Refinances and Modifications/Amendments

FROM IDA WILLIAMS, Esq., DC RECORDER OF DEED -- Final Draft of Part J of FP-7

Message from DC Recorder - Ida Williams -- New OTR Notice on Purchase Money Deed of Trust

DC Recorder of Deeds - Proposed Changes to FP-7, Part J. COMMENTS REQUESTED

DC Court of Appeals: Condo Lien Super-priority Trumps First Deed of Trust.

CORRECTION -- COUNTYFUSION SYSTEM - April 7th Classes **CANCELLED**

DISB releases regulations relating to the implementation of the recently passed amendment to the foreclosure mediation statute

NEW ROD WEBSITE -- Status of Search Functionalities

NEW ROD Website - Search Functionalities from Ida Williams, Recorder of Deeds

MESSAGE FROM IDA WILLIAMS, RECORDER OF DEEDS REGARDING NEW ROD WEBSITE

PRIA Winter Symposium - Charting the Course - Thursday February 27

DC Land Title Association President's Update 10/16/2013

How to Access the Website as a Member

ROD Jobs - Legal Instruments Examiner

JOB POSTING - 13-AD-OTR-0039 (RPTA) Legal Instruments Examiner

JOB POSTING - 13-AD-OTR-0029 (RPTA) Supervisory Legal Instruments Examiner

CORRECTION -- COUNTYFUSION SYSTEM - April 7th Classes CANCELLED