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Title insurance may be sold only by a licensed and appointed title insurance agent (§626.8412), and agents and agencies determine insurability and issue and countersign commitments and policies for the insurer (§626.841). Florida Bar attorneys in good standing are exempt from the agent license (§626.8417(4)) and keep their Bar obligations.

A nonlawyer agency prepares documents only as needed to close a transaction in which it issues the policy (§627.7711(1)(a); The Florida Bar v. McPhee). Deeds, novel instruments and explanations of legal effect go to counsel. Regaldi sells no title search or property information report to the public.

The agency obtains its own reasonable title search and makes the insurability determination; no commitment, endorsement or policy issues before it (§627.7845(1)). A policy may not be issued from a search by anyone other than a title agent or an insurer or agency employee unless that searcher carries the errors and omissions policy the statute requires (§627.796). Regaldi carries none, sells no searches, and its output is never the search a policy is issued from.

Commitment and policy text follows the examiner’s instructions on the underwriter’s approved forms (§627.777). The AI does not select requirements or exceptions.

Appraiser facts, entity status, flood information, lis pendens, code cases, violation liens and permits support the pre-screen, Miami-Dade first. Miami-Dade Official Records document access and the tax collector do not allow automated reading today. Deeds, mortgages, satisfactions and judgments come through the agency’s search provider or an authorized clerk workflow.

The appraiser’s owner field does not establish current legal ownership. Other county adapters exist but are not offered as verified coverage. Restored collection does not mean restored access to blocked records.

Agent-approved quotes use the adopted premium, reissue credit where the prior policy is supplied, and search, examination and closing charges stated separately and at least at cost. No rebate or discount off the premium.

The lender keeps responsibility for the Closing Disclosure and its three-business-day delivery; where its title premium differs from the Florida premium, a written cost comparison is given (69B-186.008(6)). The affiliated-business disclosure, its charge estimate, timing and no-required-use terms stay under counsel review, and no seller may require the buyer to use a particular title company (RESPA §9).

Staff confirm the bank credit. Trust funds stay in a qualifying Florida institution, separately recorded, and are used only under the closing instructions. Disbursement follows the collected-funds rule and its reviewed exceptions, not a generic “deposit received” badge.

Written approval of all buyers, borrowers and sellers and the settlement-agent certification on form DFS-H1-2146 come before disbursement. Studio prepares records and worksheets. It never initiates, releases or changes a wire or check.

Monthly three-way reconciliations are prepared from agency exports for the agent’s review and reported monthly to each title insurer. Retained premium is remitted at least monthly. Annual forms accounting and the May 31 data call stay with the responsible agency and insurer. No universal annual CPA audit requirement is claimed.

The closer and the notary perform their acts. Remote online notarization uses a notary physically in Florida, identity proofing, credential analysis and a recorded session; Regaldi does not provide it. Staff submit through the agency’s e-recording account and verify county requirements and the applicable taxes; there is no connector.

Search and insurability evidence and the actual premium: 7 years. Form DFS-H1-2146: 5 years at the agency. Reconciliation reports: 5 years at the insurer. File ledger cards: 3 years at the agent. Remote notarization journals and recordings: 10 years at the notary. Holds and contract requirements still apply, and they are separate from how long Regaldi keeps a chat or an upload.

Settlement agents are financial institutions under GLBA. The agency keeps its privacy notices and its written information security program under the FTC Safeguards Rule: risk assessment, encryption, multi-factor authentication, service-provider oversight and reporting, with a named Qualified Individual. Some parts do not apply below 5,000 consumers; the rule as a whole still does.

The FTC is notified within 30 days of discovering an event affecting 500 or more consumers, as applicable. Under §501.171 a third-party agent notifies the agency no later than 10 days, and the agency gives its own 30-day notices. These are the agency’s responsibilities, not certifications about Regaldi.

Your team verifies new or changed payee instructions through an independent channel and records the result. A person calls a number obtained independently of the new message. The agency warns consumers about wire fraud before they send money and keeps a written response plan.

The AI assistant never sends, reads or confirms wire instructions by voice, text or unsecured email. Automated change detection, a callback feature and a verified-payee status are not built. No Florida wire-fraud statute for title agents was found; the practice comes from ALTA and the underwriters.

The research records the Residential Real Estate Rule as vacated, with an appeal pending, and the earlier Geographic Targeting Order as expired as far as found. Reports are not described here as currently required or as abolished for good. Anti-money-laundering automation is not part of this offer; applicable law is rechecked before any deployment claim.

AI marketing calls and automated marketing texts require prior express written consent on both tracks (TCPA; FCC 24-17; §501.059(8)(a), F.S.). An inbound call, a text, a public phone number or an approval inside the workspace is not that consent. National, Florida and internal do-not-call checks; 8 a.m. to 8 p.m. at the recipient’s location and no more than three calls in 24 hours on the same subject (§501.616(6), F.S.); STOP and revocation honored promptly; every party’s consent before recording. Business mobile numbers are not exempt.

Inbound AI identifies itself as automated and not a licensed title agent. CAN-SPAM applies to business email too: accurate agency identity, a valid postal address, advertising identification where required, and an opt-out honored within 10 business days, with immediate suppression as the operating policy. Clients write their own reviews; none are fabricated, purchased or incentivized.

No free Quarry reports, leads, mailing lists, referrer advertising or below-cost services in exchange for orders. Education must be open to all, not conditioned on referrals, and must not pay a referrer’s expenses. Continuing-education admission stays at fair market value.

Regaldi charges fixed fees for software and services. No fee is tied to orders, closings, policies, premium or referrals. Flat fees do not by themselves make an inducement or referral arrangement lawful.

Estoppel and satisfaction timelines, the custom on who chooses the title agent in a sale contract, the renewal status of targeting orders and related legal negatives are kept at their secondary or unverified status. They are not hardcoded as deadlines or exemptions without professional verification.