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on the web Decision Points These innovations are assisting industry leaders in executing the decisions that are changing the industry. WEB AT WORK MISMO Releases Reference Model for Public Consumption, Opinion The organization has updated its systems to keep up with the regulatory environment and now welcomes comments from the public. T he Mortgage Industry Standards Maintenance Organization (MISMO) announced the release of its Residential Reference Model Version 3.3 for public comment. The organization's press release stresses the significance of the updates given recent changes 8 | The M Report in regulatory and reporting requirements in the industry. This iteration, developed by experts industrywide, "provides the mortgage finance industry with the standards needed in today's rapidly changing regulatory and compliance environment," noted Mike Fratantoni, president of MISMO. Specifically, Version 3.3 reflects changes to the Consumer Financial Protection Bureau's (CFPB) integrated closing disclosures, high-cost loans under the Home Ownership and Equity Protection Act (HOEPA), the Uniform Mortgage Servicing Dataset (UMSD) used within GSEs, the Federal Housing Administration's (FHA) TOTAL Scorecard, and Ginnie Mae's Pool Data Delivery dataset. Also among the enhancements is an updated Logical Data Dictionary (LDD). Further details of the enhancement can be found in the Version 3.3 Release Notes and in the organization's latest Residential Specifications. MISMO welcomes comments from the public regarding errors and omissions until December 16. CoreLogic Integrates Credit Services with Mortgagebot's EnterpriseLOS The two companies unite platforms to increase transparency, efficiency. C oreLogic Credco's Instant Merge credit reports are now available on D+H Mortgagebot's EnterpriseLOS platform, CoreLogic announced. Available on more than 50 technology platforms, Instant Merge provides specific demographic information, current and historical tradeline details, and public records and inquiries with additional features such as identity verification, multiple scoring options, and detailed creditor contact information. "CoreLogic Credco has an incredibly strong presence in the industry, with a reputation for efficiency and reliability," said Matt Cotter, SVP of marketing for D+H. "By adding CoreLogic credit data to EnterpriseLOS, we are able to offer lenders streamlined access to the most popular merged credit report around." The integration of Instant Merge with EnterpriseLOS represents the latest step in CoreLogic's planned product integrations with the platform. "In the current lending environment, the one certainty we can call agree on is that more information can help both lenders and consumers make more informed decisions. With this integration, customers can now access credit data from CoreLogic

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