MISMO Introduces SMART Doc V3 Sample Package Resource to Facilitate Enhanced Data Exchange Methods

March 11, 2025

MISMO announced the publication of the SMART Doc V3 Sample Package. This resource is part of MISMO’s larger effort to modernize the industry’s data exchange methods by facilitating broad adoption of SMART Docs beyond the eNote.

“This new resource represents an important step toward perfecting data security and reliability for the various parties across the industry,” said MISMO Acting President Rick Hill.

The SMART Doc V3 Verifiable Profile specification allows document data to travel with the PDF and to be automatically verified with the document image, providing assurance that loan documents and associated data are consistent, reliable, and unaltered. Candidate documents for the sample package were selected from existing MISMO Standard Datasets where there is 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)


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