eDisclosure Fulfillment Service
RESPA and RESPA-TILA regulations states that once a mortgage broker (or mortgage provider) receives an application or information sufficient to complete the application, the lender who agrees to go forward on the application (or the mortgage broker) must provide the initial disclosures, including the GFE or Loan Estimate, to the borrower within three business days. The lender is responsible for determining whether or not the GFE or Loan Estimate has been provided.
The eFolder's eDisclosures option can be set to automatically notify loan team members after the required initial disclosures have been sent to a borrower if the borrower fails to view the documents in the package electronically within the specified time.
When the notification is sent, the eDisclosure Fulfillment service prepares a securely printed version of the disclosure package and sends it to the borrower on the date of your choice. The package is prepared by ICE Mortgage Technologyand sent via the U.S. Postal Service (USPS).
Printed fulfillment packages include letter-sized documents only. Legal-sized documents are not sent. Loan officer signatures are not included in fulfillment packages that are printed and mailed.
A fulfillment package will fail when it includes only the Home Loan Toolkit, the CHARM Booklet, and/or the HELOC Brochure. These items are sent as inserts that do not have separate printable pages. They must be sent to borrowers along with other disclosure package documents, not as stand-alone documents.
Scheduling an eDisclosure Fulfillment Service Package:
In order to set up the eDisclosure Fulfillment service to print and send the eDisclosure package, you must provide a Scheduled Fulfillment Date as part of the Send eDisclosure Documents process.
To Schedule an eDisclosure Fulfillment Service Package:
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In the Fulfillment section of the Send eDisclosures window, select Schedule a Fulfillment Service for this package.
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The Scheduled Fulfillment Date (the date when the package will be printed and sent to the borrower) automatically defaults to the Disclosure Due Date.
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The date can be edited, but it cannot be earlier than the day after the eDisclosure is sent.
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Change any of the address information as needed.
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Click Send.
The Fulfillment section is available only if the system administrator has started the service using the eDisclosure Fulfillment tool in Encompass Settings.
eDisclosure Package Notifications
In order for the eDisclosure Fulfillment service to send a notification when the borrower accesses the eDisclosure package or fails to access the package within a specified timeframe, you must set up the appropriate fulfillment notifications. The notification displays in a pop-up message in the lower-right corner of the screen. Click the View Details link in the notification to view details about the eDisclosure in the Disclosure Tracking tool.
If you do not click the link, the notification disappears after three seconds. The information in the notification remains available in the Pipeline and the Alerts & Messages tab in the Loan Log. Click the Message icon associated with the loan to view notification details. 
If the borrower does not access the package before the specified time, an email is sent to the selected recipients, using the template shown below.
To Set Up eDisclosure Package Notifications:
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To enable the service to send a notification when the borrower accesses the eDisclosure package, select Notify me when borrower receives the package.
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After the eDisclosure package is sent, an email is sent to the borrower informing them that the disclosure documents are available for them to view and sign electronically (eSign) in the Loan Center, WebCenter, or Encompass Consumer Connect website. This notification is triggered when the borrower logs in to the site and opens the message that lists the documents that are available.
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To enable the service to send a notification when the borrower does not access the eDisclosure package by a specified date, select Notify me when borrower does not access by. Enter the date in the text box (mm/dd/yyyy) or click the calendar icon and then click the date to display in the text box. A notification is sent automatically when:
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The borrower declines to receive the eDisclosure package electronically.
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An eDisclosure Fulfillment Service Package is sent.
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