Format Vs Validation - Exactly How Records Of A Particular Fields Are Stored

Just curious how access stores records. Say, data type of Text, field name "FullName" when entering data via forms normally we use formatting or enforce data entry with validation rule to check say if user typed in propercase or cases that we desire to see. So far so good. When text format masks is applied for instance > or < , does the actual data or the formatted data is passed to the table layer. Alternatively, table layer format vs form layer format which one of the methods dictate what exactly is stored under the table.