Cedaris · Title & Escrow Vertical · Arizona

A duty nobody defined.A file that shows what you did.

Cedaris is governed screening for Arizona title agencies and escrow offices. It reads the instrument, reconciles the party directing the transaction against the county record and the entity registry, and puts a named person on every release — with a sealed record of what was checked and against what.

IN EFFECT · SB 1479 · CHAPTER 31
Recording a forged deed is now a class 4 felony — and the standard is not that you knew.

A.R.S. § 33-420(E) reaches a person who records a document knowing or having reason to know it is forged, groundless, or contains a material misstatement. Reason to know is a question about what you looked at.

The condition

Five amendments, one transaction.

Signed April 9, 2026. Arizona moved a forged deed from a paperwork problem to a felony with an identity trail attached — and removed the provision that let the exposure expire.

Class 4
Felony
Up from a class 1 misdemeanor
$5,000
Statutory minimum
Or treble damages, plus fees
5
Exempt submitters
Escrow and title among them
Repealed
§ 12-524
Exposure no longer ages out
  1. Forgery became a felony

    Recording a document while knowing or having reason to know it is forged, groundless, or contains a material misstatement. Civil exposure is unchanged — at least $5,000 or treble damages, plus attorney fees.

    A.R.S. § 33-420(A), (E)
  2. Thumbprints in the notary journal

    For a deed, quitclaim deed, deed of trust, any other document affecting real property, or a power of attorney, the notary takes the signer's right thumbprint. Trustee's deeds from foreclosure and deeds of release and reconveyance are excepted.

    A.R.S. § 41-254(C)
  3. Photo identification at the counter

    Anyone recording in person at a recorder's office or kiosk presents valid photo ID. The recorder logs type, name and number, retains no copy, and the entry is not a public record.

    A.R.S. § 11-472
  4. Owners get told

    By January 1, 2027, every county assessor must run a voluntary system notifying an owner promptly when it receives notice of a change in ownership or in the owner's mailing address.

    A.R.S. § 11-544
  5. Forged deeds no longer ripen

    The repeal of the five-year adverse possession provision closes the path by which a forged deed could mature into good title through the passage of time. Old exposure stays open.

    Repeal of A.R.S. § 12-524
The exemption

It reads like relief. It's a transfer.

The in-person identification requirement does not apply to documents submitted by five categories of professional. If you are reading this, you are almost certainly one of them.

  • An escrow officer or escrow office
  • A title insurance agent or title insurer
  • A chartered bank or credit union
  • An active member of the State Bar of Arizona
  • A governmental entity
The legislature did not exempt you because your submissions carry less risk. It exempted you because it assumed the identification already happened at your desk.

The recorder verifies identity for everyone else. For anything arriving through your channel, the state is relying on the fact that you already did — and § 11-472 does not say what that verification has to look like. No procedure. No documentation standard. No defined duty of care.

A duty nobody defined, a felony standard that turns on what you looked at, statutory damages if you're wrong, and you're the one holding it.

What it screens

One file in. One finding back.

Not a dashboard and not a portal. A single page that states what was checked, what was found, and against what source — bound to a cryptographic hash of the exact documents reviewed.

The instrument

Whether the deed, payoff letter, or wire instruction is internally coherent, correctly formed for the county where it will record, and consistent with what the chain of title already says.

The counterparty

Whether the party directing the transaction reconciles against the county record and the entity registry. Not whether they are legitimate — no system can tell you that. Whether the claim reconciles.

The documents as received

Every inbound file read for content that does not render to a human reader: hidden text, background-matched colour, sub-visible type, invisible characters, comments and tracked deletions still carried in the file.

The record of the review

What was screened, what was found, who released it, when, and what was not determined. Sealed under SHA-256 through LedgerGuard, verifiable by anyone with standard tools and no cooperation from us.

The record

Every release is sealed. By name.

Nothing leaves Cedaris as a cleared file. The engine drafts and queues; your escrow officer reviews and decides proceed or hold. The release is the moment the record is written.

01 · READ

Intake

The instrument, the parties, the payoff and wire instructions, and whatever else arrived — structured, with origin tracked.

02 · RECONCILE

Strike against the record

Each assertion set against the authority that holds it. County record, entity registry, chain of title. Deviations flagged, not decided.

03 · SEAL

Write the evidence

Tamper-evident record of what was checked and found, reconstructable years after the file closes.

04 · RELEASE

The officer decides

Proceed or hold belongs to the licensed professional. Nothing clears itself.

Which is also the answer to a duty nobody defined. An agency that seals its screens as they happen is not assembling evidence of its verification procedure after a claim arrives. It has been generating that evidence all along, with a name on every piece of it.

Boundaries

What Cedaris does not do.

It does not decide whether a document is forged, whether a transaction is fraudulent, or whether anyone has committed a crime. Those determinations belong to counsel, a forensic examiner, or law enforcement.

It does not clear a file, certify it, or declare it safe. No markers means nothing disqualifying was found within the stated scope of the screen — a fact about the screen, not a guarantee about the transaction.

It does not create a legal safe harbour, and nothing here is legal advice. No screen substitutes for the judgment of the licensed professional who signs.

Availability

Service now. Hardware when the volume earns it.

AVAILABLE NOW

Screening as a service

You send a file, a named operator screens it, the sealed finding comes back. No installation, no integration, no commitment beyond the file in front of you.

FIRST AGENCIES

Introductory terms

Cedaris is new and priced accordingly for the agencies that go first. Per-file to start, converting to a monthly allowance once ninety days of real volume tells us what the allowance should be.

2027

On premises

The same system on hardware inside your office, operated by your own people, with no outbound network path. Nothing leaves the building because there is nowhere for it to go.

Who it's for

The desk the exemption landed on.

Start with the one that bothered someone.

A cash sale on an unencumbered property. A seller you only met by email. A power of attorney that arrived late. An address change that came in shortly before the listing. That's the fastest way to see what this produces — the finding, the reasoning, and the record behind it.