Ability to Repay White Paper
- Digital Mortgage Resource Center
- Business Glossary
- Life of Loan
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Residential
- MISMO Reference Model
- Enhanced Logical Data Dictionary
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Dataset Specifications
- Adverse Action Notice Dataset
- BWIC Template and Mapping Specification
- Closing Instructions
- Industry Loan Application Dataset (iLAD) 2.0.1
- Industry Loan Application Dataset (iLAD) 2.1.0
- Industry Loan Application Dataset (iLAD) 2.2.0
- Industry Loan Application Dataset (iLAD) 2.3.0
- Industry Loan Application Dataset (iLAD) 2.4.0
- IRS Form 4506-C & 4506-T
- Mortgage Compliance Dataset (MCD)
- Private Label RMBS Valuation
- VA Form 26-1880
- VA Form 26-8937
- Entity Relationship Model
- Implementation Guides
- Other Residential
- Commercial
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eMortgage
- Remote Online Notarization (RON) Standards V2
- Remote Online Notarization (RON) Standards V1
- SMART Doc® Version 3
- SMART Doc Components
- eModification Reference Guide
- eVault Standards and SMART Doc® Validation Rules
- eMortgage Glossary
- eMortgage Closing Guide
- eMessaging and Packaging
- eRecording
- eMortgage Vaulting Guide
- eSignatures
- APIs
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MISMO Engineering Guidelines
- MISMO Engineering Guideline (MEG) 3
- MISMO Engineering Guideline (MEG) 6
- MISMO Engineering Guideline (MEG) 7
- MISMO Engineering Guideline (MEG) 16
- MISMO Engineering Guideline (MEG) 21
- MISMO Engineering Guideline (MEG) 27
- MISMO Engineering Guideline (MEG) 40
- MISMO Engineering Guideline (MEG) 42
- MISMO Engineering Guideline (MEG) 45 (Comment Period)
- Additional Tools and Resources
The Ability to Repay Decision Model and Notation white paper demonstrates how decision modeling and notation language can be used with the MISMO Logical Data Model (LDM). The white paper presents a use case for decision modeling using Regulation Z data points and the MISMO Version 3.5 Reference Model. Output can then be converted into a MISMO compliant application programming interface (API).
Decision Model and Notation (DMN™) is an Object Management Group® (OMG®) standard that defines how decision logic is expressed within a business process.
The Ability to Repay Decision Model and Notation white paper was released as FINAL in July of 2024.
Access Information for Members
MISMO Members can access the work product in the Resource Library housed on MISMO's Collaboration Site, "MISMO Connect" here.
Access Information for Non-Members
Non-MISMO members can access the work product here.