SECURE IDENTITY SERVICES ACCREDITATION CORPORATION (SISAC) The Mortgage Industry presents a complex set of requirements with respect to Identity Management. Specifically, these requirements need to consider the industry's business objectives, regulatory compliance, and interoperability amongst and between various industry participants. For example, a loan (note and mortgage) is processed by multiple parties, which may or may not be affiliated with each other. Title Companies, Credit Services, Appraisals, etc. are affiliated with loan originators, but they may have no direct affiliation with a loan originator's particular Investor. Accurate identification and authentication of these participants is critical to the successful and secure processing of a mortgage loan. Additionally, security services such as data integrity, confidentiality, privacy, and non-repudiation are required to meet industry regulatory requirements. Secure Identity Services Accreditation Corporation (SISAC) has chosen the use of Public Key Infrastructure (PKI) to meet these requirements. This venue is designed to achieve regulatory requirements and interoperability, while providing a level playing field for all participants.