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eNotes Overview

FHLB Dallas will begin accepting eNotes July 21, 2020, to provide collateral value to its members. An eNote is a promissory note executed and signed electronically and stored in an eVault. There are many benefits to eNotes, including a faster signing process, fewer errors and improved audit capabilities, among others. Members who plan to use eNotes should first contact Collateral Services (800.541.0597) to begin the process. The process to use eNotes as collateral involves several steps including enrollment in MERS, naming FHLB Dallas as a Secured Party for the eNotes and using MERS eDelivery to transmit the eNotes to the FHLB Dallas eVault.

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


Readiness Checklist

Use this checklist to ensure you have everything in place to begin using eNotes as collateral with FHLB Dallas.

eNotes Collateral Requirements and Guidelines

Find out the Bank's criteria for accepting eNotes as collateral.


Get answers to your frequently asked questions about eNotes.


Fill out the Addendum to Advances and Security Agreement to pledge eNotes to FHLB Dallas.


Vendor Options

The following Excel spreadsheet provides information about eNote vendors that may be helpful to our members.

Watch the video below to learn more about eNotes.

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