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eNotes Overview

As a member-owned cooperative, the Federal Home Loan Bank of Dallas understands that eNotes can provide many benefits to our nearly 850 member institutions, as well as to their customers. We have joined the other 10 banks in the FHLB system (FHLBanks) in engaging with industry experts and governmental agencies to move toward the acceptance of eNotes as eligible collateral for our members. This system-wide eNote governance group and several additional subgroups are actively developing a strategic implementation plan for eNotes. The goal, as agreed upon by all of the FHLBanks, is to have requirements established for the acceptance of eNotes as eligible collateral before the end of 2019. FHLB Dallas will then develop a timetable to implement systems and processes to provide collateral value to members who have loans with eNotes.

What is an eNote?

An eNote is: An eNote is not:
  • A promissory note that is originated, signed, and stored electronically according to the standards for a “transferable record”
  • An authoritative electronic copy of the note exists
  • In a file format known as a MISMO SMARTDoc
  • Registered with an eRegistry
  • Stored in an eVault
  • A note signed by using an electronic pad or other device which simply affixes an image of a signature onto a document
  • A scanned image of a “wet signature” note

Watch the video below to learn more about eNotes.

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