Harry Clark March and Trudi Janette Marsh, Susan R. Limor, Trustee v. Fleet Mortgage Group and Bank United

Pursuant to Rule 23 of the Rules of the Supreme Court of Tennessee,1 this Court accepted certification of the following question from the United States Bankruptcy Court for the Middle
District of Tennessee: Whether the omission of the official notary seal in the acknowledgment on
a Tennessee deed of trust as required by Tennessee Code Annotated § 66-22-110, renders the instrument “null and void as to . . . subsequent creditors . . . or bona fide purchasers . . . without notice” as provided in Tennessee Code Annotated § 66-26-103. After careful consideration, we conclude that the official seal of the acknowledging notary public must be affixed to a deed of trust if that instrument is to constitute notice to subsequent creditors or bona fide purchasers. Because the deed of trust before us did not bear the official notary seal, it does not constitute notice to subsequent creditors and bona fide purchasers without notice.