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MERS is a corporation that acts as a nominee for lenders and investors in mortgages and records the ownership and servicing rights in an electronic database. MERS was created to avoid public recordation fees and facilitate the trading of mortgage-backed securities, but it has faced legal challenges and controversies over its role in foreclosures.
ERIC (Electronic Registration Information Center) is a partnership of 30 states and the District of Columbia that helps improve voter registration accuracy and access. ERIC matches voter data against other sources and provides reports to states to update or correct their voter rolls.
An eMortgage is an electronic mortgage where the loan documentation is created, executed, transferred and stored electronically.. In the United States eMortgages are made legally enforceable by the Electronic Signatures in Global and National Commerce Act and the Uniform Electronic Transactions Act.
A computer reservation system (CRS) is a system that stores and retrieves information and conducts transactions related to travel and other activities. Learn about the history, types, and functions of CRSs, as well as their vulnerability to network disruptions.
Learn about electronic identification (eID), a digital solution for proof of identity of citizens or organizations. Find out how eID is used in different countries, such as Belgium, Estonia, Germany, and Iceland, and what are its benefits and challenges.
Learn about the definition, purpose, benefits, and challenges of civil registration and vital statistics systems. These systems record and analyze vital events and characteristics of the population, such as births, deaths, marriages, and divorces.
Book entry is a system of tracking ownership of securities without physical certificates. Learn about book-entry-only, dematerialized, and direct registration systems, and how they differ from paper or electronic certificates.
In a 2016 Maryland election, a comparison of two scanning systems on the same ballots revealed that (a) 1,972 ballot images were incorrectly left out of one system, (b) one system incorrectly ignored many votes for write-in candidates, [45] (c) shadows from paper folds were sometimes interpreted as names written in on the ballot, (d) the ...
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