Critical Patches

The July Critical Patch introduces an enhancement to VOA-enabled workflows. When using the Asset Verification service with Finicity, lender administrators can now include custom fields in the VOA report.

The new Custom Fields section is available as part of the Asset Verification workflow settings when Finicity is configured as the VOA provider.

Up to five custom fields can be added to the VOA report:

• The first two fields, Loan Name and LO Name, are added to a report by default. The Name for each of these fields can be edited, but the Value is dynamically populated from the loan application when the report is requested. Lender administrators can choose to exclude them from showing on the PDF reports by clearing Show on Report check box, however these fields will always be sent with a VOA order to Finicity.

• The remaining three custom fields can be added by a lender administrator. These fields are static and will be sent with the VOA order exactly as they are entered here. In the example below, the lender administrator added ApplicationMethod with the value of Online and Source with a value of ECC to include in the report.

Custom fields are displayed at the top of the Finicity VOA report, if “Show on Report” is checked (as highlighted in the following example).

1. Open Loan App Settings for the workflow.

2. Scroll down to the end of the page and click Services Settings.

3. If the Asset Verification service is not already enabled, enable it now by clicking Yes next to Asset Verification.

   If the service has not been set up in Services Management, the Yes button will be dimmed. To learn how to set up the service, see Manage Services.

4. The Asset Verification settings are displayed with the Custom Field settings located below the Asset Verification Authorization text editor.

5. The Loan Name and LO Name are added to the PDF report by default. The Name for each of these fields can be edited, but the Value is dynamically populated from the loan application when the report is requested. These fields cannot be removed but they can be hidden by clearing the Show On Report check box.

6. To add fields, click Add Fields.

7. Enter field name and value in the provided fields. For example, a lender may want to define a branch ID, sales code, sales region, and so on.



8. Click the Show on Report check box.

9. Add more fields if desired, then click Save.

A change has been made to Asset Data Reports provided by Finicity. To comply with GSE guidelines, the default amount of asset data requested by Encompass Consumer Connect has been changed from 6 months to 60 days. Finicity Asset Data Reports that are requested by Encompass Consumer Connect and returned to Encompass will now display 60 days of transaction data for the borrower. This change is applicable only to new loan applications submitted by Encompass Consumer Connect.

An enhancement has been made to the Finicity VOA service. When Finicity is configured as the VOA service provider in a loan application workflow, the Application/Loan GUID will now be passed to Finicity, and the resulting report sent to Encompass will include this Application/Loan ID (GUID) as well. This enhancement was made to help lenders track and reconcile that loans that use Finicity in My Finicity Reports.

An issue existed where the Finicity report ID populated in the Co-Borrower field instead of the Borrower field. This issue is resolved and now the report ID returned from Finicity only populates the Borrower field.

Some lender administrators experienced an error when attempting to access certain pages in the administration portal. This issue occurred with sites that were created prior to the 18.3 release. When attempting to edit services, email notifications, or workflow templates on such sites, the lender administrator was presented with an error message stating "Your request failed. Please try again." Once the message appeared, the desired page failed to open.

This issue is resolved. Lender administrators can now access and edit services, email notifications, or workflow templates on sites created prior to 18.3.

An issue was introduced with the Encompass Consumer Connect 20.1 release where the following fields were not being mapped to Velocify after a borrower dropped off the loan application:

• Monthly Income Amount
• Loan Amount
• Loan Officer Email
• Interest Rate
• Loan Purpose Type
• Loan Officer Name

This issue is resolved. The fields listed above are now mapped as expected to Velocify when a borrower drops off the loan application.

A recent update to Safari browser version 13.1+ introduced a change in the Website Cross Tracking settings that prevented some borrowers from logging into an Encompass Consumer Connect site or an embeddable/SSO site. When a borrower attempted to access an Encompass Consumer Connect site or embeddable/SSO site using Safari 13.1+ browser, and the Safari Website Cross Tracking setting is enabled, the borrower was presented with an error and was prevented from accessing the site.

To resolve this issue, an update was made to Encompass Consumer Connect so that when a borrower using a Safari browser version 13.1+ is blocked from an Encompass Consumer Connect site or embeddable/SSO site, a message now appears instructing the borrower to turn off cross-site tracking.

Updates were made to Chrome browsers in the version 80 release that impacted the mechanism Encompass Consumer Connect uses to track borrower drop-off points.

As described in the February Service Pack 2 Release Notes, Encompass Consumer Connect pushes data from incomplete loan applications to Velocify in real-time as soon as the borrower drops off the loan application if they provided their first name, last name, and one form of contact information. Encompass Consumer Connect continues to push data every time the applicant drops off the loan application. However, there was an issue with Chrome 80+ browsers that prevented lead information from being updated after the initial push of data.

This issue is resolved. Lead information is now updated as expected when using Chrome 80+ browsers.

A change was made in the 19.4 October release that affected the values in the State drop-down list for Address fields. With this change, the State drop-down list no longer displayed values for U.S. territories, such as AS, GU, MP, PR, and VI.

This issue is resolved and now U.S. territories are included in State drop-down lists.

After the Service Pack release on June 8, 2019, some lenders experienced an issue with external URLs for Borrower Widgets. If the external URL was updated, the change was not reflected in Document Request or Disclosure email notifications. When borrowers clicked the borrower portal link in the email, they were directed to the old URL or a 404 page was displayed. This issue is now resolved.

Action Required!

Lenders who have made any changes to the External URL for a Borrower Widget, should edit the external URL for that Borrower Widget again and save the changes. This action will cause the underlying code to update the borrower portal URL in the Document Request email notifications.

NGCC-33039, ECC-1283

Loan applications submitted from a Consumer Connect site were being sent to the default Loan Application Recipient (LAR) instead of the LAR associated with the Apply Now button.

This issue has been resolved. Loan applications are now sent to the LAR associated with the Apply Now button as expected.

ECC-1207

An issue has been resolved with Encompass Consumer Connect loans in Encompass that caused income verification results to be excluded from the Employment and Income Verification report generated by The Work Number.

This issue was experienced in loans when the Employment and Income Verification service was enabled in the workflow and a borrower or co-borrower agreed to run the service. Upon submitting the loan, the Employment and Income Verification report retrieved by Encompass included verification for employment but did not include verification for income.

This issue has been resolved and now the Employment and Income Verification report includes both employment and income verification.

Action Required!

For those clients who had enabled the Employment and Income Verification options in their loan application process prior to this critical patch update, there is additional action that the site administrator will need to take. Once this critical patch update is applied to your Encompass Consumer Connect administration site, the radio buttons for the Select which type of verification you'd like and the Select employers options will be cleared (as shown in the screen shot below). Therefore, you will need to go to the Services Management > Employment and Income Verification Settings section to make your selections again for these two options, and then save your changes, in order for these employment and income verification features to be available to applicants during the application process.

Alternatively, you can also go to the Services Management > Employment and Income Verification Settings section and select No Provider from the drop-down list. Then, select The Work Number from the drop-down list. Once you make this selection the system automatically makes default selections for these two verification options. You can change the selected options (if needed), enter the required user name and password credentials, and then save your changes.