STATUS OF NEW JERSEY NOTARY PUBLIC EDUCATION
A PUBLIC SERVICE REPORT TO THE PUBLIC
The full 279 Page Report was sent
to Treasurer Binder on 4/9/2026.
Download/View the Full Report Here.
An Investigation into the State's Implementation of Notary Public Education and Examination Requirements.
Published by the New Jersey Notary Association
April 2026
The Role of a Notary Public
Notaries Public are the soldiers of document integrity. They stand between fraud and some of the most important moments in a person's life: the purchase of a home, the execution of a will, the granting of power of attorney, and the swearing of an affidavit. When a deed is recorded, it is the notary's seal that gives it legitimacy. When a witness swears to tell the truth of a document's contents, it is a notary who administers the oath. When a document must withstand legal scrutiny for decades, it is a notary's proper procedure that makes it possible.
This is not a minor role. It is a public trust. It requires seriousness, competence, and a deep understanding of both the law and the judgment to apply it. A notary who does not know how to verify identity, assess capacity, or properly complete a journal is a liability to the public and to themselves.
Yet the State of New Jersey, which commissions these officers and entrusts them with this vital responsibility, does little to ensure that its notaries actually know their functions. It does not ensure they know how to perform their duties properly. It does not ensure they know how to protect the public. And in failing to do so, it leaves notaries unprotected as well, sending them into the field unprepared for the challenges they will face.
This report documents that failure.
Executive Summary
In 2021, the New Jersey Legislature passed a bipartisan law (P.L.2021, c.179) to strengthen notary public education and examination requirements. The goal was simple: ensure that those entrusted with verifying identities, preventing fraud, and authenticating critical documents are properly trained before receiving a commission.
More than four years later, the state's implementation of this law has fallen dramatically short.
This report documents these failures in detail and offers a proven solution, one already embraced by three New Jersey community colleges.
The Law's Promise
When P.L.2021, c.179 was signed into law in July 2021, the public was told—through official state and county announcements—that new notaries would be required to complete a six-hour course and pass an examination.
This was not speculation. It was the message disseminated by the very agencies responsible for implementing the law.
Official State Announcements
The New Jersey Division of Revenue and Enterprise Services (DORES), the agency within the Department of the Treasury that oversees notaries, published clear guidance on its official website. It stated explicitly that non-attorney applicants for an initial commission must provide proof that they have "[c]ompleted a six-hour course of study approved by the State Treasurer."
County Clerk Communications
County clerks' offices, which swear in new notaries and are the public face of the commissioning process, distributed the same information. For example, the Sussex County Clerk's Office website informed applicants that they must complete a "six-hour course of study."
Business and Professional Organizations
The New Jersey Business & Industry Association (NJBIA), which closely tracks legislation affecting its members, reported to its members that the new law required "complet[ion] of a six-hour training course."
The Law Itself
The law is unequivocal about its purpose. N.J.S. § 52:7-10.3 states that the examination is designed "to determine the fitness" of applicants to perform notarial acts. "Fitness" implies genuine competence, not passive exposure to information.
Notaries are the gatekeepers of document integrity. They verify identities, administer oaths, and certify copies. When a deed is recorded, a power of attorney executed, or an affidavit sworn, a notary's seal stands between the public and fraud. Proper training is not optional; it is essential.
The public was promised six hours. The public has a right to hold the state to that promise.
The Six-Hour Promise
Documentary Evidence
The attachment linked below contains screenshots and citations that document that state and county agencies explicitly told the public that the law required six hours of education.
NJ Division of Revenue (DORES) – Official Website
"For initial commissions. Non-attorney applicants for initial notary public commissions must provide proof that they have: Completed a six-hour course of study approved by the State Treasurer."
Sussex County Clerk's Office"For initial commissions. Non-attorney applicants for initial notary public commissions must provide proof that they have: Completed a six-hour course of study approved by the State Treasurer."
New Jersey Business & Industry Association (NJBIA)"Individuals seeking to become a notary public for the first time would have to complete a six-hour training course and pass an examination given by the State Treasurer."
These are not isolated statements. They represent a consistent, official message delivered by multiple government and trusted organizations. The public was unequivocally promised six hours of education. What they received was 45 minutes of video.
View State, County & Organization Announcements
What the State Provides
45 Minutes of Video
The primary educational tool provided by the state to satisfy the six-hour mandate is a series of online videos. The total runtime is 45 minutes and 7 seconds.
That's 12.5% of the promised instruction.
A notary receiving only this education misses critical knowledge, including:
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Personal liability and the need for Errors and Omissions insurance
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The credible witness procedure, a high-risk identification method mentioned but never explained
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Assessing signer capacity, recognizing when someone is confused, coerced, or unable to understand
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The "appearance of impartiality" and ethical boundaries beyond one's spouse
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Step-by-step procedures for verifying ID, completing journal entries, and correcting errors
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How to professionally refuse a notarization when something feels wrong
The state's videos recite statutory definitions. They do not teach practical skills.
View Critical Gap Analysis
A 206 Page Report
The Examination
Designed to Test Fitness, Implemented as Open-Book
The Law's Intent
N.J.S. § 52:7-10.3 explicitly requires an examination "to determine the fitness" of applicants. This means genuine assessment, ensuring applicants have actually learned the material and can be trusted to perform notarial acts correctly.
The Reality
The notary exam consists of 50 multiple-choice and true-false questions with 75 minutes to complete them. It is administered online with:
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No proctoring
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No identity verification (we observed the application process firsthand—no ID was required)
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No lockdown browser
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No webcam monitoring
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No screen sharing prevention
Worse, the Treasury's own website explicitly describes it as an open-book test. Applicants may consult the manual during the exam.
An open-book test cannot "determine fitness." It determines only whether someone can find information while the clock runs.
What the Exam Actually Tests
After obtaining and analyzing the actual examination, we found that it overwhelmingly tests rote memorization of statutory facts:
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True-false questions about whether the stamp belongs to the notary or employer
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Multiple-choice questions about the fee schedule ($2.50 per act, $15 for real estate transfers)
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Definitions of terms like "record" and "verification on oath"
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Lists of prohibited acts
These are facts that can be easily memorized from commercially available study guides or looked up during an open-book test.
What the Exam Does Not Test
The exam completely fails to assess the competencies that actually determine whether a notary can perform their duties safely and effectively:
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Fraud detection – Can the applicant spot a fake ID?
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Signature comparison – Does the applicant know to compare journal signature to ID signature?
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Signer capacity assessment – Can the applicant recognize confusion, duress, or coercion?
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Credible witness procedure – Does the applicant understand this high-risk, last-resort method?
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Error correction – Does the applicant know how to fix a mistake on a certificate or in a journal?
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Venue determination – Does the applicant know that venue is where they are standing, not where they live?
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Backdating prohibition – Does the applicant know that backdating is illegal?
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Professional refusal – Does the applicant know how to say no professionally?
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Journal entry completion – Does the applicant know the proper sequence and what to record?
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Handling incomplete documents – Does the applicant know what to do when blanks are present?
The RON Problem
Remote Online Notarization is a specialized service that requires separate authorization and technology. Many notaries—including bank tellers, retail notaries, and those in traditional office settings—will never perform a RON. Yet the exam dedicates significant space to RON details:
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When notification is required
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What technology must be used
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That will cannot be notarized remotely
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Electronic stamp requirements
These questions would be more appropriately placed in a separate, optional exam for notaries seeking RON authorization. Their presence on the general exam consumes space that could be used to test fundamental skills.
The Compounding Factor
The exam is completely compromised. Multiple online sources openly provide the full text of the notary exam, along with the correct answers. Screenshots, URLs, and archived copies document this security failure.
The result: an applicant could:
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Watch none of the state's 45-minute videos
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Read none of the Notary Manual
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Complete zero hours of actual study
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Purchase the exam questions and answers online
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Keep answers open in another window during the exam
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Have someone else take the exam
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Pass with no retained knowledge
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Receive a notary commission
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Perform notarizations on real documents
The state would have no idea any of this occurred.
View the Notary Exam Gap Analysis Report
A Pattern of Silence
Provider Applications Ignored
For months, the New Jersey Notary Association has sought to help the state fulfill its mandate. We developed a comprehensive six-hour curriculum that meets and exceeds the standards contemplated by the 2021 law. We repeatedly contacted the Notary Public unit to request information and applied for approval as an education provider.
The state's response? Complete silence.
No acknowledgment. No requests for information. No approval. No denial. Just silence, despite multiple follow-up inquiries.
A second OPRA request later confirmed why: the state never created any process for approving independent vendors in the first place.
The Manual
National Resources, No New Jersey Presence
The state's Notary Public Manual lists professional associations for notaries seeking additional resources:
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American Society of Notaries
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National Notary Association
These organizations provide valuable national resources. But none are based in New Jersey. None provide New Jersey-specific training.
Recognizing this gap, the New Jersey Notary Association requested inclusion in the manual. We are a New Jersey-based organization with a membership pool that has decades of combined experience practicing under New Jersey law. A complete package, including the full "Garden State Notary" textbook, was delivered via USPS Priority Mail on February 6, 2026.
The response? Silence.
The manual continues to direct notaries to out-of-state resources while ignoring a homegrown solution.
What It Is vs. What It Needs to Be
What the Manual Is:
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A 26-page reference document that recites statutory requirements. It contains definitions, lists of rules, and blank certificate forms.
What the Manual Does Not Do:
The Bottom Line:
The manual tells you what the law says. It never tells you how to follow it.
It has sample certificates but no instruction on when to use them or how to fill them out.
It is a reference document, not an education. And 26 pages cannot replace six hours of training.
A 56 Page Report
The OPRA Request
"No Records Exist"
Frustrated by months of silence, the New Jersey Notary Association submitted a formal request under the Open Public Records Act (OPRA) on February 17, 2026 (Request No. W248812). We asked for basic records any functioning program should maintain:
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Approval standards: How are education courses evaluated?
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Review procedures: Who reviews courses, and how?
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Communications: What discussions have occurred with providers?
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Approved provider list: Who is authorized to offer courses?
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Vendor contracts: Does any outside vendor assist with reviews?
On February 26, 2026, the official response arrived from Jacquelyn McCarty, Manager of the Government Records Access Unit. It stated, in its entirety:
"The Department of Revenue and Enterprise Services (DORES) does not have any specific records related to the review, evaluation, approval, denial, and oversight of New Jersey Notary Public education courses."
No records.
None.
No approval standards. No review procedures. No communications. No provider list. No vendor contracts. Nothing.
More than four years after the law's passage, the state has no records of any education program administration whatsoever.
Second OPRA Request
We refined our request, seeking records specifically related to the state's obligations to approve independent vendors and maintain a public list.
The response, dated March 5, 2026, stated:
*"Pursuant to NJSA 52:7-10.2(e), the Department of the Treasury has opted to provide notary public continuing education courses directly rather than through independent vendors. As a result, no records exist relating to an application or certification process for independent vendors."*
This response confirms that the state never created any process for approving independent vendors. When we applied for approval, there was no system to receive our application. Having chosen to be the sole provider, the state then produced 45 minutes of video.
Third OPRA Response: Denied on Procedural Grounds
Received: April 6, 2026
The State responded. It did not say "no records exist."
It said: any records that do exist are exempt from disclosure.
The Response in Full
On April 6, 2026, the Department of Treasury, Division of Revenue and Enterprise Services (DORES), denied OPRA Request W249781 in its entirety. The denial letter cited two grounds:
First: That our request was "improper" under N.J.S.A. 47:1A-5(g) because it did not (1) identify specific employees to search, (2) list a specific subject matter (it did), and (3) limit the request to a reasonable time period. The letter also claimed that fulfilling the request would require DORES to "conduct research, compile data, and create a new record."
Second: That any responsive records, if they exist, are exempt from disclosure under the "inter-agency or intra-agency advisory, consultative or deliberative material" exemption (N.J.S.A. 47:1A-1.1).
The request was denied. The file was closed.
What DORES Did Not Say
The denial letter is notable for what it omits:
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No claim that records do not exist. DORES never stated "we searched and found nothing." They went straight to exemption.
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No privilege log. The "deliberative material" exemption requires an agency to identify each withheld record and explain why it qualifies. DORES provided nothing of the kind.
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No description of any search. We do not know what custodians were searched, what date ranges were used, or whether any search occurred at all.
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No invitation to clarify or narrow. DORES never contacted us to ask for employee names or search terms. They simply denied.
Why the Denial Does Not Hold Up
On the "improper request" argument:
N.J.S.A. 47:1A-5(g) gives agencies discretion to deny requests that are genuinely impossible to fulfill without unreasonable burden. It is not a license to ignore requests entirely.
Our request identified specific subject matter (Category 1: creation of notary education videos; Category 2: decision to exclude independent vendors). The timeframe was implicit: the videos were published after the 2021 law took effect. DORES never asked us to name specific employees or date ranges—they simply refused to engage.
The Government Records Council (GRC) has repeatedly held that agencies must cooperate with requesters in good faith. Silence followed by a blanket denial is not good faith.
On the "creating new records" argument:
We asked for existing records: emails, memoranda, contracts, invoices, meeting minutes, legal analyses. OPRA explicitly requires agencies to produce existing records. It does not require them to answer questions or write reports. DORES mischaracterized our request to avoid searching.
On the "deliberative material" exemption:
This exemption protects pre‑decisional, advisory communications—internal deliberations before a final decision is made. It does not protect:
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Final decisions or policies
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Purely factual information
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Contracts, invoices, or vendor communications
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Records that are more than five years old (the exemption has a temporal limit)
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Communications that implement a decision already made
More importantly: the exemption requires a privilege log. Without a log identifying each withheld record and explaining why it is deliberative, the agency's claim is procedurally defective. The GRC has consistently required privilege logs for blanket exemption claims to be upheld.
DORES provided no log. None.
What DORES Is Likely Hiding
We cannot know for certain what records exist. But the denial letter's own language offers clues.
The letter states that DORES "opted to provide notary public continuing education courses directly rather than through independent vendors." That decision—who made it, when, based on what analysis—is precisely what we requested. If the decision was made, there are records of it. Emails. Meeting minutes. Legal memos. A directive from the Treasurer's office.
DORES claims these records are "deliberative." But a final decision to exclude all independent vendors is not deliberative—it is final agency action. The public has a right to know how that decision was made and on what legal basis.
Similarly, the videos did not appear by magic. Someone planned them. Someone approved the 45‑minute runtime instead of the six hours the public was promised. Someone decided not to assess their educational effectiveness. Those records—contracts, emails, internal memoranda—are not protected deliberations. They are records of what the government did.
The Pattern Continues
This is the third OPRA request. The first yielded nothing: "no records exist." The second revealed that DORES had opted to be the sole provider—a decision made with no public input and no published reasoning. The third is now denied under a procedural exemption that DORES has not properly invoked.
The State is not saying "we have nothing to hide."
It is saying "we will not show you."
Our Response
The New Jersey Notary Association will file a complaint with the Government Records Council (GRC) challenging this denial. The GRC has the authority to:
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Order DORES to produce a privilege log identifying each withheld record
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Review those records in camera (privately) to determine whether the exemption properly applies
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Order disclosure of any records that are not legitimately exempt
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Award attorney's fees and costs if the denial was unreasonable
We will pursue this complaint to conclusion. Transparency is not optional. The public was promised six hours of education. The State provided 45 minutes of video. The public has a right to know why.
What You Can Do
For the public: Read this report. Share it. Ask your county clerk and your legislators why New Jersey's notary education system has no records, no approved vendors, and no accountability.
For legislators: Request these same records directly. A legislative inquiry is not subject to OPRA exemptions. Ask DORES: Did you provide a privilege log? If not, why not? If the records are deliberative, what decision were they deliberating toward—and was that decision ever made final?
For Treasurer Binder: You inherited this system. You did not create it. But you now have the opportunity to fix it. Waive the deliberative exemption voluntarily. Release the records. Let the public see what happened. That is not weakness—that is leadership.
Missing Annual Reports
The law explicitly requires the Treasurer to publish an annual report on the state of notary education by September 30 each year (N.J.S. § 52:7-10.2(i)). The report must include:
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A summary of commissioning activity
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An assessment of whether educational content needs updating
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Timelines for delivering new content
As of March 1, 2026, no report for 2025 has been published. To our knowledge, no annual report for 2025 has ever been issued.
The OPRA response explains why: there are no records because there is no program to assess.
A Proven Solution
The "Garden State Notary" Curriculum
Confronted with the state's inaction, the New Jersey Notary Association created the resource that should have existed all along.
"Garden State Notary: A Complete Guide for New Jersey Notaries" is a comprehensive textbook designed specifically to satisfy the six-hour educational requirement. It is a professionally published curriculum (ISBN: 9798248397228) covering every aspect of notarial practice in New Jersey.
Beyond the textbook, we created a complete facilitator's guide so thorough that anyone, even someone with no prior notarial experience, can successfully teach the full six-hour course. It includes:
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Detailed lesson plans with timing recommendations
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Scripts for explaining complex concepts
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Discussion prompts and scenario-based learning
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Complete answer keys
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Guidance on handling student questions
Going Further
A Seven-Hour Video Library
Recognizing that different people learn in different ways, we also created a comprehensive educational video library. Every chapter of "Garden State Notary" became an engaging instructional video. The total runtime is nearly seven hours.
Sourse | % of Instruction |
|---|---|
NJNA | 116% |
State of New Jersey | 12.5% |
The state, with all its resources, produced 45 minutes of video. One private individual, with no government funding and no staff, produced nearly seven hours, enough to exceed the six hours the public was promised.
Independent Validation
Three Community Colleges Say "Yes"
While the state has ignored our curriculum, New Jersey's educational institutions have embraced it.
Three community colleges have reviewed our materials and expressed strong interest in offering the course
These institutions independently assessed the curriculum's quality and determined it meets the highest standards of educational excellence. Their partnerships are currently being finalized.
This is powerful independent validation: while the state has no records, no approved providers, and no program, New Jersey's community colleges are stepping into the breach.
What the Current System Allows
Possible Scenarios:
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Receive the six hours of education the state promised
❌ No (only 45 minutes provided)
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Watch none of the state's 45-minute videos
✅ Yes
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Read none of the Notary Manual
✅ Yes
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Complete zero hours of actual study
✅ Yes
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Find full exam questions and answers online
✅ Yes
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Take an open-book exam that tests research skills, not knowledge
✅ Yes
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Have someone else take the exam
✅ Yes
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Pass exam with no retained knowledge
✅ Yes
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Receive notary commission
✅ Yes
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Perform notarizations on real documents
✅ Yes
This is not a system.
This is a facade.
What Needs to Change
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Secure the Examination
The exam must be redesigned to fulfill its statutory purpose, to "determine the fitness" of applicants. This requires moving away from an open-book format to a secure, proctored assessment that genuinely tests retained knowledge and understanding.
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Create a Functioning Approval Process
The state must establish clear standards for education providers, create a review process, and publish a list of approved courses. Providers deserve responses. The public deserves choices.
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Publish Annual Reports
The Treasurer must comply with the law and publish annual reports assessing program efficacy. The public has a right to know whether the program is working.
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Include New Jersey Resources in the Manual
The Notary Public Manual should direct notaries to New Jersey-specific training. The New Jersey Notary Association stands ready to be included.
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Embrace the Community College Model
The state should recognize the proven curriculum already embraced by New Jersey's community colleges and allow these institutions to offer state-approved courses without further delay.
About the New Jersey Notary Association
The New Jersey Notary Association (NJNA) is dedicated to the education and professional development of New Jersey's notaries public. Founded in 2021 by Patrick Anthony, a notary of more than 20 years, NJNA provides comprehensive training, resources, and advocacy for notaries across the state. Membership to the association is $35 per year. Members are granted full acces to the complete video course library. Membership is open to commissioned New Jersey Notaries Public, and anyone that wishes to become a New Jersey Notary Public.
Patrick Anthony is President of NJNA, founder of the NJNA Foundation, author of "Garden State Notary: A Complete Guide for New Jersey Notaries," and creator of the NJNA Educational Video Library (7+ hours). He has served as an expert witness in litigation cases involving notarial misconduct and is committed to strengthening notarial practice in New Jersey.
Access the Full Analysis
All findings documented on this page are supported by primary sources. The complete evidence package includes:
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Documentation of State, County and Organization Announcements of Six-Hour Education Requirement
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Detailed comparative gap analysis of state-issued education videos
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Detailed comparative gap analysis of the offical New Jersey Notary Manual
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Documented proof of exam compromise (screenshots, URLs, archived materials)
A Note on the Current Treasurer
The Honorable Aaron Binder
We want to be clear about something important. The current State Treasurer, The Honorable Aaron Binder, bears no fault, he inherited this broken system. He did not create the 45-minute videos. He did not decide to exclude independent vendors. He did not ignore the statutory requirements for the past four years. He arrived to find a mess that was already made.
Treasurer Binder is now the only person in a position to help us fix it quickly. He has the authority to remove the inadequate videos, to finally compile the list of approved vendors the law requires, to establish a real approval process, and to demand accountability from the agencies under his purview. We have reached out to him directly, not to assign blame, but to offer our assistance in building something better.
The notaries of New Jersey are not looking for someone to punish. We are looking for someone to lead. Treasurer Binder has the opportunity to be that leader. We hope he will take it.
We will continue to document the facts, to request records, and to advocate for the education notaries were promised. But we do so with the understanding that the failures of the past are not the responsibility of the present officeholder. Our focus is on solutions, not blame. Our goal is to work with whoever is willing to work with us.
Treasurer Binder, if you are reading this:
NJNA is here and ready to help. Our door is open.
We want to work with you to create solutions.
We want to be part of your support network.
For Legislators and Media
Legislators and members of the press seeking access to the full "Garden State Notary" textbook and video library may request credentials by contacting:
New Jersey Notary Association
Email: info@newjerseynotaryassociation.org
Website: www.newjerseynotaryassociation.org
Conclusion
The 2021 notary modernization law was a bipartisan achievement intended to protect the public. More than four years later, that promise remains unfulfilled. The state provides 45 minutes of video. It administers an open-book exam with publicly available answers. It has no records of any program administration. It directs notaries to out-of-state resources while ignoring a homegrown solution.
New Jersey's notaries, and the public they serve, deserve better.
The solution exists. It has been built. It has been validated by community colleges. All that remains is for the state to say "yes."
This report is a public service of the New Jersey Notary Association.
It may be freely shared and reproduced with attribution.
