SMART Doc® V3 Power of Attorney Specification
MISMO® published the SMART Doc® V3 Power of Attorney Specification as Candidate Recommendation status on January 8th, 2026.
The SMART Doc® V3 Verifiable Profile allows document data to travel with the PDF and then be automatically verified with the document image, providing assurance that loan documents and associated data are consistent, reliable, and unaltered. The new specification applies SMART Doc V3 Verifiable Profile functionality to the power of attorney document, further enabling the seamless exchange of data and documents between trading partners.
Each section includes a sample layout showing how data may appear and a list of typical variables with IDs that map back to the POA Mapping Specification, which also outlines suggested conditionality and minimum required fields. Together, the POA Mapping Specification and POA Mock Doc Guide help implementers create consistent SMART Doc® V3 POA documents while allowing final conditionality to be set with trading partners.
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.