MISMO Seeks Comment on Enhanced Mortgage Compliance Dataset

WASHINGTON, D.C. (November 6, 2025) - MISMO®, the real estate finance industry's standards organization, today announced the release of the MISMO Mortgage Compliance Dataset (MCD) Version 2.0 for a 30-day public comment period, open through December 6, 2025. Developed in partnership with the Conference of State Bank Supervisors (CSBS), the enhanced dataset represents a major step forward in modernizing and automating mortgage compliance examinations.

"The Mortgage Compliance Dataset is a game-changer for lenders operating across multiple jurisdictions and will help in the effort to modernize, harmonize, and automate mortgage compliance examinations," said MISMO President Brian Vieaux. "The collaborative work of MISMO, CSBS, state regulators, and industry experts ensures that this standard drives consistency, transparency, and efficiency across the mortgage compliance process."

Developed collaboratively through MISMO's workgroup process, the dataset enables risk-based examinations, supports pre-exam compliance testing, and promotes greater accuracy between regulators and mortgage lenders. By allowing regulators to leverage technology and lenders to identify and remediate issues before examinations, the MCD significantly reduces friction in the exam process and streamlines oversight across the system.

The MCD is now live and ready for use, marking a major milestone in modernizing mortgage supervision and compliance. Maintained within MISMO, the standard will continue to evolve in collaboration with industry stakeholders to remain timely, relevant, and impactful.

There are two opportunities to learn more about the adoption of the Mortgage Compliance Dataset by state regulators, lenders, LOS providers, and compliance system providers. The first is a Tech Sprint co-hosted by MISMO and CSBS on Wednesday, December 3rd, from 12:00 - 4:00pm ET. Click here to register.

On January 12, MISMO and CSBS will host an MCD workshop at the MISMO Winter Summit in Amelia Island, Florida. For more information on the Winter Summit and to view the agenda, click here .

The public comment period allows those who participated in the proposal 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 impacted 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 December 4, 2025, and should be directed to [email protected].

MISMO's work to solve key industry challenges is made possible through the support of its members, champions, sponsors, and lenders (via the Innovation Investment Fee). To learn more about MISMO and opportunities to participate, visit MISMO.org.