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We just bought a home, and the bank required wet signatures on a few of the (then scanned) documents. This app would have saved me time.


But if the bank requires a wet signature and you try to pass off a non-wet signature as a wet signature, isn't that fraud?


Likely, but it probably ends up being "harmless fraud" and even if prosecuted the judge would be like "what?".

If the bank really cared, they would ask for the PDF and have you mail the wet signed documents in.

Likely the requirement for a wet signature is left over from earlier times (think fax machines) OR they are trying to ensure that the person actually signing is the person signed (in other words, YOU did the signature, not you asking your wife/broker/whoever to apply it for you).




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