It’s trivial to falsify a signed document when FAXed.
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This is Leo Notenboom for askleo.info.
I love my bank.
Some years ago I moved from one of the uncaring mega-banks to a smaller,
local bank. Not only do they know me by name when I walk in or call, but
they’re also slightly ahead of average on technology and being able or even
willing to talk to me about technology related issues.
For the past year or so I’ve been sending them signed documents which don’t,
technically, have my signature.
The documents I send FAXed to my bank and are never actually printed on
paper until they reach the bank’s FAX machine. To sign my document, I have a
scanned image of my signature that I copy/paste into the right spot on that
document. The FAXed result is nearly indistinguishable from a real
And it’s good enough.
So why is this all an issue? It certainly seems convenient, and it is. It’s
much like rubber stamps often created for signatures. I mean, just keep the
original signature file secure, and there shouldn’t be a problem, right?
Ever sign anything? Ever sign maybe a check or a credit card receipt and
then give it to someone else?
You just gave a random person a scan-able copy of your signature. They could
scan your signature and use that just like I’ve used mine to “sign” documents
that can then be FAXed and considered official. Hopefully there’s a second
level of verification such as the confirming phone call my bank requires. If
not you could appear to have signed something that you’ve actually never
Many industries are struggling with the technology of secure identification,
and certainly the banking industry is one of them. Originally, FAXes were
difficult to manipulate, as you actually had to scan an physical piece of
paper. But these days a FAX is nothing more than a picture of a document, and
as we’ve come to know pictures, particularly digital pictures, are trivial to
The solution? Long term I’d love to see true digital signatures become the
norm. Using public key encryption I can digitally sign a electronic document
which can then be verified to have come only from me, and it can be further
verified not to have been altered after signing.
But we’ve got a long way to go before anything like that becomes common
place. Until then your best recourse is awareness and caution. Treat your
signature like the important asset it is, and make sure that the institutions
you deal with won’t act on any FAXed or emailed information without some kind
of independent personal verification.
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Till next time, I’m Leo Notenboom, for askleo.info.