Preventing Deed Fraud.

HB 431 requires registers of deeds in North Carolina to verify the identity of individuals submitting property deeds or similar documents who are not trusted submitters (like attorneys, title companies, or banks). It mandates that non-trusted submitters present government-issued photo ID before a deed can be recorded, and allows registers to refuse recording if the ID doesn’t match the document or if the instrument appears suspicious. Suspicious instruments include those with mismatched officer records, false claims about jurisdiction, or non-compliance with state requirements. The bill also protects registers of deeds from liability when following these rules, while ensuring affected individuals can seek court action only for errors in refusing to record. This directly impacts everyday property buyers and sellers who aren’t represented by trusted entities.