Where can I listen to this podcast?

This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.

Does this podcast accept guests?

Yes, this podcast regularly features guests.

MISMO Mic'd Up: Beyond the Standards

Claim This Podcast

by Brian Vieaux, President MISMO

37 episodes

Updated Daily

Accepts GuestsHas SponsorsLocation 🇺🇸

Podcast Overview

MISMO Mic’d Up: Beyond the Standards brings you inside the work that quietly powers the housing finance ecosystem. Hosted by Brian Vieaux, President of MISMO, each episode features candid conversations with lenders, servicers, technology providers, regulators, and long-time MISMO volunteers who are building the data standards our industry runs on. You’ll learn: How MISMO workgroups actually operate Where standards reduce friction, risk, and cost How emerging tech (AI, POS, eClosing, consumer-permissioned data) connects to MISMO Practical ways to plug your team into the work

Language

🇺🇲

Publishing Since

11/21/2025

Visit Website View on Apple Podcasts RSS Feed

1 verified contact email on file for MISMO Mic'd Up: Beyond the Standards

Pitch yourself as a guest, propose sponsorships, or reach out directly to the host.

See contact details

Recent Episodes

August 14, 2026

No Guest. No Script. Just AI, FRAME and the Future of MISMO

This week on MISMO MIC’D UP, we’re flipping the script.After spending countless episodes asking industry leaders the questions, MISMO President Brian Vieaux turns the microphone around—and puts himself in the hot seat. His interviewer? Freeda, his ChatGPT assistant, who was given one assignment: Ask the questions the mortgage industry should be asking the President of MISMO right now.The result is a candid, largely unscripted conversation about what Brian has learned during his first year leading MISMO, where the organization is headed, and why the work happening across the MISMO community has become increasingly important as technology—and particularly artificial intelligence—reshapes mortgage lending.Brian starts with one of the biggest surprises from his first year: just how much work is accomplished by MISMO’s small six-person staff, affectionately known as the “six pack.” But the real engine behind MISMO is much larger. Hundreds of volunteers from across the mortgage ecosystem bring their expertise into more than 30 active workstreams, often setting aside their corporate identities and competitive interests to work together as what Brian calls “Team Mortgage.”The conversation also tackles one of MISMO’s persistent challenges: awareness. For more than 25 years, MISMO has operated as a critical but often quiet piece of the industry’s infrastructure. Brian explains why changing that dynamic has become a priority—and why mortgage executives need to understand that MISMO is a self-funded industry nonprofit that depends on investment and participation from the companies benefiting from its work.From there, Brian and Freeda explore the shift from simply creating standards to driving adoption, with the Mortgage Compliance Dataset (MCD) serving as a prime example. Brian discusses how MISMO, the Conference of State Bank Supervisors, technology providers, lenders and compliance professionals are working together to move MCD from a published standard into real-world implementation.Then the conversation turns to one of the biggest issues facing the industry today: AI governance.Brian breaks down FRAME—the Framework for Responsible AI in the Mortgage Ecosystem—and explains why MISMO developed it, who it was built for and what mortgage companies can do with it today. FRAME provides companies with practical tools including a customizable AI governance policy, an AI use-case inventory and a risk assessment tool designed to help organizations identify where AI is being used, understand the associated risks and document how those risks are being governed.And the urgency is growing.With Fannie Mae's AI governance expectations for seller/servicers now effective, Brian explains why AI governance isn't something mortgage companies should push into a 2027 project plan. Whether you're a large lender, an independent mortgage banker or even a small mortgage brokerage, expectations around understanding and governing AI are moving throughout the mortgage ecosystem.That makes the August 24 FRAME Workshop at the MISMO Fall Summit in Reston, Virginia especially timely. Brian previews the four-hour, hands-on session designed for the risk, compliance, technology and business professionals responsible for AI governance. The objective is practical: attendees should leave understanding how to begin implementing an AI governance policy, build an AI use-case inventory and assess the risks associated with those use cases.But Fall Summit extends well beyond FRAME.Brian previews conversations involving Fannie Mae and Freddie Mac, the Credit Super Panel bringing together Experian, Equifax, TransUnion, FICO and VantageScore, and the dozens of MISMO workgroups that will gather in person to advance industry initiatives. It is in those workgroups—where competitors routinely sit side-by-side to solve common problems—that Brian says the real magic of MISMO happens.

August 7, 2026

Don't Drink the Dirty Data: Why Mortgage AI Starts with Standards

What do Freddie Mac, MISMO, artificial intelligence, mortgage data standards, and a glass of "dirty water" have in common?Quite a bit, as it turns out.In this week's episode of MISMO MIC'D Up, Brian Vieaux sits down with Matt Seu, Partner and Mortgage & Fixed Income Practice Leader at Actualize Consulting, and Geran Combs, Managing Director, for an engaging conversation that spans more than two decades of mortgage technology evolution. The discussion begins with the long-standing relationship between Actualize and MISMO, dating back to Matt's leadership as Chief Data Officer at Freddie Mac during the early days of the Uniform Mortgage Data Program (UMDP). Matt shares why Actualize made an early strategic investment in MISMO and how that decision has shaped both the company and the mortgage industry.Along the way, Brian pauses to define industry terminology that is often taken for granted, including UMDP, XML, JSON, and the important distinction between GSE-owned specifications and MISMO standards. Whether you're a technology executive, lender, or business leader, this episode provides a practical understanding of how mortgage data standards actually work—and why virtually every lender is already using MISMO, whether they realize it or not. The conversation then shifts from standards to strategy.Matt and Geran explain what it means to be one of MISMO's Certified Consulting organizations and why successful implementations require far more than understanding XML or JSON. They discuss the importance of translating mortgage business processes into standardized data models, helping organizations modernize technology stacks, improve interoperability, and accelerate digital transformation.One of the most compelling discussions centers on data governance in the age of artificial intelligence. As lenders increasingly deploy AI throughout their operations, Matt argues that an organization's greatest competitive advantage isn't necessarily the AI itself—it's the quality of the data feeding those systems. His advice is straightforward: understand where your "gold copy" of every critical data element lives, establish strong governance, and never allow AI to consume "dirty water." That memorable analogy becomes the central theme of the episode and a powerful reminder that AI is only as trustworthy as the data behind it. The discussion also explores how AI is reshaping mortgage operations, from workflow automation and intelligent decision support to emerging regulatory expectations. Matt and Geran share Actualize's perspective on helping lenders prepare their data environments for AI while balancing innovation with governance.Finally, the team introduces Transform X, Actualize's MISMO-certified transformation platform. Designed to dramatically simplify the movement of mortgage data between disparate systems, Transform X enables organizations to convert native data into MISMO-compliant formats—and back again—without requiring deep MISMO expertise. The conversation highlights how the platform accelerates integrations, reduces implementation time, and enables both business analysts and technologists to work more effectively with mortgage data standards. Whether you're responsible for technology, operations, compliance, data governance, or AI strategy, this episode delivers practical insights into why standardized, trustworthy data has become one of the industry's most valuable assets—and why the future of mortgage innovation starts with getting the foundation right.The episode concludes with an invitation to continue the conversation at the upcoming MISMO August Summit in Reston, Virginia, where Matt, Geran, Brian, and hundreds of industry professionals will collaborate on the next generation of mortgage standards.

July 31, 2026

The Next Competitive Advantage: AI, Trust, and Transformation

Artificial intelligence is no longer a future technology for mortgage lending. The question isn't whether AI will transform the industry—it already is. The real question is whether organizations will be prepared when the pace of change accelerates.In this episode of MISMO Mic'd Up, Brian Vieaux sits down with Stu Brown, Chief Transformation Officer at Guidehouse, to explore what transformation really means in an AI-driven mortgage ecosystem. Fresh off his appointment to Guidehouse's newly created executive role, Stu shares why successful transformation extends far beyond technology. It requires organizations to rethink culture, governance, leadership, institutional knowledge, and the way people work together.The conversation begins with Stu's perspective on why AI represents a defining moment for regulated industries—comparing today's AI adoption challenge to the rapid shift organizations faced during COVID. Just as companies that embraced remote work adapted more quickly, Stu believes lenders that begin building AI capabilities today will be dramatically better positioned than those waiting for complete regulatory certainty.Brian and Stu examine why many financial institutions remain hesitant to move forward. They discuss the cultural realities of highly regulated organizations, the balance between innovation and acceptable risk, and why leadership—not technology—is often the deciding factor in successful AI adoption.The discussion naturally turns to FRAME (Framework for Responsible AI Management & Evaluation), MISMO's new governance framework for responsible AI in mortgage lending. Stu shares why initiatives like FRAME are exactly what lenders need: practical guardrails that provide confidence to innovate while maintaining responsible oversight. Together they explore how AI governance should focus not on slowing innovation, but on enabling organizations to move faster with confidence.One of the most compelling segments centers on the future of institutional intelligence. Stu describes how organizations can capture decades of employee knowledge before it walks out the door, allowing future leaders to build upon the experience of those who came before them. From preserving executive decision-making to creating AI-powered organizational memory, the conversation explores how knowledge itself may become one of a company's most valuable strategic assets.Brian and Stu also discuss the future of mortgage lending itself. Rather than replacing loan officers, AI has the potential to automate repetitive work so lending professionals can spend more time doing what consumers value most: providing guidance, building trust, and helping families navigate one of the most important financial decisions of their lives. They envision a future where mortgage products become increasingly personalized, using data and AI to better reflect each borrower's unique circumstances while strengthening long-term customer relationships.The episode concludes with an unexpected—and fascinating—comparison between mortgage lending and collegiate baseball. Drawing on his son's role as Director of Analytics for the University of Central Florida baseball program, Stu explains how data, AI, and analytics are transforming player development. The parallels to mortgage lending are striking: technology can reveal powerful insights, but coaches—and loan officers—must still understand the individual sitting across from them. The human element remains irreplaceable.Whether you're leading enterprise AI strategy, evaluating governance frameworks, or simply trying to understand how AI will reshape mortgage lending over the next several years, this conversation provides a thoughtful and optimistic roadmap for what's ahead. More importantly, it reminds us that successful transformation isn't about replacing people with technology—it's about empowering people with better tools to create better outcomes.

37 total episodes available

Deep-dive analytics for MISMO Mic'd Up: Beyond the Standards

Frequently asked questions

Have a different question and can't find the answer you're looking for? Reach out to our support team by sending us an email and we'll get back to you as soon as we can.

What is MISMO Mic'd Up: Beyond the Standards?: MISMO Mic’d Up: Beyond the Standards brings you inside the work that quietly powers the housing finance ecosystem.

Hosted by Brian Vieaux, President of MISMO, each episode features candid conversations with lenders, servicers, technology providers, regulators, and long-time MISMO volunteers who are building the data standards our industry runs on.

You’ll learn: How MISMO workgroups actually operate Where standards reduce friction, risk, and cost How emerging tech (AI, POS, eClosing, consumer-permissioned data) connects to MISMO Practical ways to plug your team into the work
How often does this podcast release new episodes?: This podcast updates daily.
Where can I listen to this podcast?: This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
Does this podcast accept guests?: Yes, this podcast regularly features guests.

Legal Disclaimer

Pod Engine is not affiliated with, endorsed by, or officially connected with any of the podcasts displayed on this platform. We operate independently as a podcast discovery and analytics service.

All podcast artwork, thumbnails, and content displayed on this page are the property of their respective owners and are protected by applicable copyright laws. This includes, but is not limited to, podcast cover art, episode artwork, show descriptions, episode titles, transcripts, audio snippets, and any other content originating from the podcast creators or their licensors.

We display this content under fair use principles and/or implied license for the purpose of podcast discovery, information, and commentary. We make no claim of ownership over any podcast content, artwork, or related materials shown on this platform. All trademarks, service marks, and trade names are the property of their respective owners.

While we strive to ensure all content usage is properly authorized, if you are a rights holder and believe your content is being used inappropriately or without proper authorization, please contact us immediately at hey@podengine.ai for prompt review and appropriate action, which may include content removal or proper attribution.

By accessing and using this platform, you acknowledge and agree to respect all applicable copyright laws and intellectual property rights of content owners. Any unauthorized reproduction, distribution, or commercial use of the content displayed on this platform is strictly prohibited.