SMART Doc® V3 eHELOC Specification
MISMO is seeking public comment on the SMART Doc® V3 eHELOC Specification. This standard was developed to meet requests for natively created electronic documents to support the growth of home equity lines of credit (HELOCs). The use of the MISMO SMART Doc provides assurance that loan documents and associated data are consistent, reliable, and unaltered. The 30-day public comment period runs through July 5, 2025.
The SMART Doc® V3 Verifiable Profile allows document data to travel with the PDF and then be automatically verified with the document image.
The public comment period allows at least 30 days’ notice prior to final release to review and disclose any applicable Patent Rights (as defined by MISMO's 2018 Intellectual Property Rights Policy).
MISMO requests that any organization that may have any patent or patent applications, or other intellectual property rights that might be infringed upon by an organization that uses or is compliant with these proposed MISMO products to disclose them at this time in writing. All comments and disclosures are due by July 5, 2025, and should be directed to [email protected].
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.