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MISMO issues guidance for digital mortgages using eNotes and eClosing
The update also highlights how lenders are exploring AI to improve risk assessment and decision making while addressing governance and regulatory expectations.
Mortgage industry standards group MISMO released a new white paper focused on how eNotes and eClosing can streamline mortgage liquidity, offering guidance for originators, warehouse lenders, investors, and technology providers.
In the accompanying program, Relcu’s “Now Next Later” discussion with Stratyfy CEO Laura Kornhauser examined the evolving use of AI in mortgage and financial services, including how AI can support risk assessment and stronger decision making.
The conversation emphasized balancing innovation with governance and regulatory expectations, framing AI decisions within governance needs rather than using tools only for generating outputs.
The coverage also points to additional product and technology updates discussed alongside the MISMO guidance, including a marketing mention of lower HELOC rates and the stated need for traceability and policy alignment for AI tools used in regulated lending.