MISMO Publishes eVault Standards and SMART Doc® Validation Rule

November 28, 2023

Brittney Prophete
(202) 557-2799

WASHINGTON, D.C. (November 28, 2023) – MISMO®, the real estate finance industry's standards organization, today announced publication of the new eVault Standards and SMART Doc® Validation Rules documents, which were created to help provide clarity and increase eVault interoperability for all parties in the transaction.

The MISMO eVault standards were designed to ensure that eVaults have the proper functionality for all industry participants. eVaults using the standards, including the validation rules, ensure seamless interoperability for lenders trading eNotes.

The MISMO eVault standards contain guidance for the minimum technical standards by which an electronic vault should be built. The SMART Doc Validation Rules document is a consolidated set of rules that outlines the components and fields that are expected in an eNote. Uniformity of eVault platforms and eNote Validation Rules are necesary to alleviate friction between trading partners.


MISMO, the Mortgage Industry Standards Maintenance Organization, works to solve key business challenges. This is made possible by lender support of the MISMO Innovation Investment Fee.