Building for Adoption: Lessons from the Front Lines of MISMO’s Mortgage Compliance Dataset (MCD)

🎧 Episode DescriptionIn the first MISMO Mic’d Up episode of 2026, Brian Vieaux sits down with Karol Villavicencio, Director of Product Management and Product Operations at Asurity, for a practical, inside-the-room conversation on RegCheck, standards, and what it really takes to move mortgage compliance forward at scale.Karol shares how Asurity’s RegCheck platform supports lenders of all sizes, why configurability matters across the loan lifecycle, and how deep participation in MISMO—especially the Mortgage Compliance Dataset—creates real-world value for both technology providers and the industry.From early collaboration with state regulators to hands-on MCD testing opportunities for lenders, this episode connects the dots between standards, adoption, and smarter compliance workflows. If you care about efficiency, scalability, and not building the same dataset 50 different ways… this one’s for you.🧠 Key Topics CoveredWhat Asurity does and how RegCheck supports loan-level complianceWhy configurable RegTech matters for LOs, ops, and compliance teamsHow RegCheck integrates directly into LOS workflows using MISMO standardsThe origin and evolution of the Mortgage Compliance Dataset (MCD)Why regulators, lenders, and technologists being at the table early mattersAdoption at scale: turning standards into real ROIAsurity’s offer to help lenders test MCD files in a real compliance environmentHow standardized data frees teams to focus on real risk management (not spreadsheets)🔑 Notable TakeawaysStandards ≠ constraints — they’re the foundation for innovationEarly participation in MISMO workgroups creates product, partnership, and market advantagesMCD isn’t about reducing people—it’s about redeploying talent to higher-value workAdoption only happens when testing, tooling, and collaboration show up together🎯 Who Should ListenLenders operating in multiple statesCompliance, risk, and operations leadersRegTech and mortgage technology buildersAnyone curious how standards actually become usable tools