Business to Consumer (B2C) Development Workgroup (DWG)


The B2C group is working to develop standards for conducting consumer transactions on mobile devices. This initiative is focused on identification, description and facilitation of consumer facing transactions in the lending life cycle. 

"As the mortgage industry pursues digital transformation, using industry-wide standards to communicate will be critical to our success," said Shelley Leonard, Chief Product Officer at Black Knight, Inc.

This initiative is expected to be the first of many MISMO initiatives where JSON will be utilized. JSON is short for JavaScript Object Notation, a lightweight language for structuring data that is frequently used on mobile platforms. Lenders' use of JSON has grown as more borrowers have begun researching and applying for mortgages on their phones and other smart devices. However, no standards exist for using smart phone devices or JSON in the mortgage process. The MISMO workgroup is creating a business reference model for borrower communications in addition to decision rules, engineering guidelines and a white paper on the impact of smart devices in the mortgage life cycle.

"A growing number of lenders are already using JSON to collect information and conduct business with consumers via smart phones, including mortgage preapprovals," said MISMO executive vice president Rick Hill. "Unless standards are developed as smart devices are deployed for mortgage transactions, adoption of these technologies could become very fragmented and lead to miscommunication between lenders and third parties. By collaborating with industry experts, MISMO hopes to bring consistency to B2C transactions and help more lenders take advantage of these exciting innovations."

Specifically, the B2C DWG will be tasked with:

  • Identifying required and optional B2C transactions taking place throughout the mortgage life cycle
  • Identifying and implementing the business drivers for creating technical specifications for consumer transactions 
  • Creating JSON language specifications for required consumer transactions and possibly for optional transactions

If you are interested to participate with this group and are already a MISMO member join the collaboration site that has been established for this group. If you are not a member of MISMO, let us know that you would like to participate by sending a message to


Randy Gillis, Black Knight, Co-Chair

Christopher Stookey, Wells Fargo, Co-Chair

Workgroup Meeting Schedule