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Some states, way I get it, require assignments to be recorded. But, whether they do or not and whether or not they’re recorded concurrently with the (alleged) event, if an assignment isn’t delivered to the transferee, it has the same effect as that of an undelivered deed: none. If an assignment were executed and delivered, but not recorded, it’s still effective between the transferor and transferee IF the assignee accepted it. It doesn’t, though, impart Notice to anyone else and puts the transferee at risk of recordings which may become senior. And some like Zitta in AZ were able to avoid an unrecorded assignment in bk cases (as could his bk trustee have done – his was an 11). Banksters don’t like that of, course (and I’ve only seen it in bk cases even though also imo a bk court doesn’t have exclusivity on the laws of recordation and notice), so they’re either hard at work getting the laws changed if they haven’t already, post-Zitta and others. If homeowner attorneys are awake, evidence of delivery of an assignment and acceptance by the transferee should be an issue. I can’t prove it, but I still say an assignment requires acceptance (just like a deed). Otherwise when I’m being sued on an underwater property, as an example, I could just deed it to some foo’ and try to make him deal with it.