MISMO Seeks Public Comment on the SMART Doc® V3 Sample Package

WASHINGTON, D.C. (July 10, 2024)– MISMO®, the real estate finance industry's standards organization, today announced that it is seeking public comment on the SMART Doc® V3 Sample Package. The 60-day public comment period runs through September 8, 2024.  

The SMART Doc® V3 Sample Package is part of MISMO’s broader program to help increase SMART Doc® adoption to documents beyond the eNote. The SMART Doc® V3 Verifiable Profile specification 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. Candidates for the sample package were selected from existing MISMO Standard Datasets where there would be value in verifying the document data.

The MISMO SMART Doc® V3 Verifiable Profile Specification served as the base to create the following samples for use by implementers:

• Closing Disclosure
• Closing Protection Letter
• Commitment for Title Insurance
• Request for Tax Transcript (IRS 4506-C)
• Request for Certificate of VA Eligibility (VA Form 26-1880)
• Statement of Credit Denial, Termination, or Change
• Verification of VA Benefits (VA Form 26-8937)

MISMO’s 2018 Intellectual Property Rights PolicyThe comment period provides workgroup participants who participated in the proposal a notice period prior to final release to review the information and disclose any applicable Patent Rights (as defined by 

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 September 8, 2024, and should be directed to [email protected]. 

MISMO’s work to solve key business challenges is made possible by its members, champions, sponsors, and lender support through the Innovation Investment Fee. Visit MISMO.org to learn how you can get involved.