SMART Doc® Version 3

The acronym SMART represents: • Securable • Manageable • Archivable • Retrievable • Transferable 

The final version of the Smart Doc® Version 3 Verifiable Profile was released on January 5th, 2023.

An electronic document created to conform to a specification standardized by MISMO®. A SMART Doc® can lock together data and presentation in such a way that it can be system-validated to guarantee the integrity of the document.

The SMART Doc® Specification is a technical framework for representing documents in an electronic format. This format links data, the visual representation of the form, and signature. The visual representation of the documents can utilize a variety of technologies, such as XHTML, PDF, and TIFF. A SMART Doc can be secured to prevent tampering. Therefore, the Specification allows system validation to ensure that what the borrower sees and signs on the computer screen is the exact document that will be stored. It also ensures that the data displayed on the screen will be the exact data used for processing the loan.   

The SMART DOC Version 3 Verifiable profile specification will help you create a pdf document that can be used when there is a requirement to verify that the data matches the information contained in the viewable image of the document.  This product can help you facilitate automated validation that the data and the related document have not been modified. 

What It Includes

  • SMART DOC Samples 

Access Information for Members

MISMO Members can access the SMART Doc V3 I-Guide and Samples in the Resource Library housed on MISMO's Collaboration Site, "MISMO Connect" here.

Access Information for Non-Members

Non-MISMO members can access the SMART Doc V3 I-Guide here.


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