Verifiable SMARTDoc® 3.0 Profile Development Workgroup

Join MISMO's New "Version 3 Verifiable Profile SMARTDoc®" Development Workgroup! 

MISMO invites mortgage industry participants to collaborate in a new effort to create a more trustworthy, verifiable process that provides assurance that loan documents and associated data are consistent, reliable and unaltered. This effort will be conducted by the newly created workgroup known as the MISMO Version 3 Verifiable Profile SMART Doc® Development Workgroup.

"The new version 3 SMART Doc specification will accelerate digital transformation efforts and enable organizations to further automate document and other compliance processes" said Charlie Epperson, Chief Information Officer of MRN3. "MISMO provides a tremendous forum for mortgage industry collaboration and innovation through which we can enhance the standards and bring these capabilities to the industry".

MISMO recognizes the industry trend towards a more digital process that relies upon accurate data. Historical inconsistency between documents and data exchanged between organizations has contributed to distrust of data, requiring armies of individuals who manually compare documents and data. To help address data quality concerns, in 2017 MISMO provided implementation guidance for industry to create data and/or documents that reflect whether the data/documents were altered - this is known as a tamper evident process. MISMO announces the effort to go one step further. We will create a technical framework and related implementation guidance that facilitates automated validation that the data and related document, or documents, are in agreement and have not been modified.

The new workgroup will develop requirements for document security and integrity, provide implementation guidance, develop sample documents and use cases, and other materials that may help improve trust in the data as well as facilitate the transition to digital mortgages. Technology and business-oriented individuals are welcome to participate. Participants will contribute towards solutions to address the need for more guidance to facilitate implementation and adoption of the latest MISMO eNote standard including providing implementation guidance, sample use case specifications, eNote specifications in the verifiable format and supporting educational materials.

So, go ahead and join the collaboration site that has been established for this new group so that you receive updates on the group as it forms and begins their important work!  If you are not a member of MISMO, let us know that you would like to participate by sending a message to


Charles Epperson, SigniaDocs, Co-Chair

David Garrett, DocMagic, Co-Chair