Feature Enhancements in Version 18.2

The updates listed below were made to the Down Payment/Funds from Borrower and Funds for Borrower fields in the Calculating Cash to Close sections on the Loan Estimate Page 2 and Closing Disclosure Page 3 input forms to comply with Know Before You Owe 2 guidance for construction-to-permanent loan scenarios.

• For construction scenarios where the lot is being refinanced, the payoff amount is now included as a liability to be paid off in the Third Party Payments Not Otherwise Disclosed (field ID LE2.X29).

• For construction scenarios where the lot is being purchased, Encompass continues to synchronize the Purchase Price to the Disclosed Purchase Price.

• For construction scenarios where the lot is owned free and clear, and the borrower is not using the equity in the lot to finance the purchase, no purchase price or payoff is documented for the lot cost.

• For all construction scenarios, the lender has the option to document the cost to build as a liability, which updates the Third Party Payments Not Otherwise Disclosed (field ID LE2.X29), or to include the cost to build in the Third Party Payments Not Otherwise Disclosed without adding a liability.

• There are no additional updates to calculations for the alternate disclosure.

The following logic is now being used to determine the Downpayment/Funds from Borrower (field IDs LE2.X2 and CD3.X105) and Funds for Borrower (field IDs LE2.X3 and CD3.X107) on the Loan Estimate Page 2 and Closing Disclosure Page 3 when the Purpose of Loan (field ID 19) is Construction or Const - Perm:

Downpayment/Funds from Borrower:

The funds required to cover the total of payoffs to be paid out of loan proceeds is determined by adding the disclosed purchase price and any personal property included in the sale, and then subtracting the loan amount and financed closing costs.

Example Construction-to-Permanent Loan:

• Cost to Build: $200,000 (Documented as Payoff)

• Lot Cost: $100,000

• Personal Property: $0

• Loan Amount $270,000

• Financed Closing Costs: $0

Funds from Borrower: $30,000

Funds for Borrower: $0

Funds for Borrower:

The funds remaining after the total of payoffs are paid out of loan proceeds are determined by starting with the loan amount and subtracting the disclosed purchase price, personal property included in the sale, and the financed closing costs.

Example Construction-to-Perm Loan:

• Cost to Build: $200,000 (Documented as Payoff)

• Lot Cost: $100,000

• Personal Property: $0

• Loan Amount $305,000

• Financed Closing Costs: $0

Funds from Borrower: $0

Funds for Borrower: $5,000

When upgrading to Encompass 18.2, the values for fields LE2.X2, LE2.X3, CD3.X105, and CD3.X107 are locked in existing loans. Click the Lock icon next to a field to trigger a recalculation of the value using the new calculations.

When triggering a recalculation, an Encompass user must click the Lock icons for all field in the Calculating Cash to Close section to ensure that the resulting values are consistent across the fields.

When the Purpose of Loan (field ID 19) is Construction or Const – Perm, the cost to build is now considered a liability to be paid off. This applies to both lot acquisition and refinance scenarios. Updates have been made to include the liability in the calculation for the Third Party Payments Not Otherwise Disclosed (field ID LE2.X29) in the Calculating Cash to Close sections on the Loan Estimate Page 2. To ensure that the amount is included, Encompass users need to create a VOL (verification of liability) for the Costs of Improvement (field ID 23), mark it as a payoff, and make sure that the Include checkbox is selected for the VOL on the Payoffs and Payments pop-up window accessible from the Loan Estimate Page 2.

To comply with new Know Before You Owe 2 guidelines, the following updates have been made to the Closing Costs Expiration Date information that displays on the Loan Estimate output form. These updates affect Loan Estimate output forms generated from all versions of Encompass, even those released prior to Encompass 18.2 (for example, versions 18.1, 17.4, 17.3, and earlier).

• The sentence "All other estimated closing costs expire on {date} at {time}{time zone}" containing field IDs LE1.X28, LE1.X8, and LE1.X9 will no longer display after the sentence "Before closing, your interest rate, points, and lender credits can change unless you lock the interest rate." on the output form when the Intent to Proceed checkbox (field ID 3164) is selected in Encompass.

• If the checkbox is then cleared in Encompass, the sentence “All other estimated closing costs expire on {date} at {time}{timezone}.” will once again display on the output form.

• The date, time, and time zone for the Closing Costs Estimate Expiration Date continue to display on the Loan Estimate Page 1 input form even when the Intent to Proceed checkbox is selected.

When the Intent to Proceed checkbox is selected in Encompass, clicking the Lock icon for the Closing Cost Estimate Expiration Date (field ID LE1.X28) and then manually entering the date will not cause the Closing Cost Estimate Expiration Date information to populate on the Loan Estimate output form.

New Know Before You Owe 2 rule guidance has been released for rounding amounts in 12 fields used with the Loan Estimate and Closing Disclosure output forms. The guidance states that the values for these fields must either be rounded to three decimals, have trailing zeroes removed, or be truncated to a single digit if the original value was a whole number with trailing zeros (for example, 4.000 would be truncated to 4).

To comply with the rounding rules:

• Ten fields on the Loan Estimate, RegZ-LE, Closing Disclosure, and RegZ-CD input forms have had new field IDs created for purposes of populating the rounded values to output forms.

  • Eight of these fields can be edited directly or by clicking the Lock icon. The existing field IDs and the existing rounding logic for these fields continue to display on the input forms. The new field IDs are used only to calculate the rounded amounts and populate them to the output forms.

  • If your company has created custom disclosure input forms, you may need to add the new field IDs to custom forms that use these fields.

  • Two of the new fields — Interest Rate (field ID KBYO.XD4113) and Maximum Rate (field ID KBYO.XD2625) — are read-only. The existing field IDs have been replaced with the new field IDs on the Loan Estimate and Closing Disclosure input forms, and the new rounding rules are applied. The values from the original fields on other forms in Encompass are not affected by the rounding rules.

• Two fields — the % of Loan Amounts (field ID OriginationCharges1A1) and the Prepaid Interest Rate (field ID Prepaids3A5) — are virtual fields that do not display on the Loan Estimate, RegZ-LE, Closing Disclosure, or RegZ-CD input forms. No new field IDs have been created for these fields.

The rounding rules applied to these fields are described in the table below.

When upgrading to Encompass 18.2, values will be copied to the new fields without rounding or truncating the existing values.

To comply with Know Before You Owe 2 rule guidance provided in 12 CFR 1026.37(h)(1)(vii) comment 37(h)(1)(vii)-1; Comment 38(j)(2)(vi)-5; Comment 38(t)(5)(vii)(B)-1, the following updates are being made to the way Encompass handles gift funds:

• Gift fund amounts are no longer listed on the Non-UCD tab in the Adjustments and Other Credits pop-up window (accessible by clicking the Edit icon in the Calculating Cash to Close section on the Closing Disclosure Page 3).

• The calculation for the Total amount (field ID CD3.X1505) on the Non-UCD tab on the Adjustments and Other Credits pop-up window has been updated to exclude gift funds (field ID 220) for a loan file that has not been previously disclosed. If at least one Disclosure Tracking Tool log has been created, the gift funds (field ID 220) will continue to be included in the calculation for CD3.X1505.

The escrow descriptions provided on the Loan Estimate (LE) Page 1 and Closing Disclosure (CD) Page 1 have been updated from Yes, some to Some for partially escrowed scenarios. For example, if the loan featured partially escrowed property taxes, the In escrow? field description (field ID CD1.X4) on the CD would be Yes, Some. Starting in Encompass 18.2, this field description will now be Some. The following fields on the LE Page 1 and CD Page 1 will now feature this new verbiage when applicable:

• LE1.X30
• LE1.X31
• LE1.X32
• CD1.X4
• CD1.X5
• CD1.X6

A new Chargeable Costs and Expenses section has been added to the State-Specific Disclosure Information input form for North Dakota. This section contains one free entry field (field ID DISCLSOURE.X1173) to enable lenders to properly disclose non-refundable charges pursuant to North Dakota regulations 13-05-01-08 and 13-05-01-05.

The North Dakota Loan Agreement Disclosure requires disclosure of the total charges that are not refundable (flagged as POC) if the loan does not close or if no lender is found to approve the financing. The North Dakota Loan Agreement Disclosure was previously mapping the total for fees that are financed if the application fee, appraisal fee, or credit report fee were flagged as financed.

The following 12 new fields have been added to the Additional Provider Data section on the FNMA Streamlined 1003 input form to enable Encompass users to submit loans to additional Day 1 Certainty vendors when submitting a loan to Desktop Underwriter:

• BankVOD (Bor,CoBor) (field ID GSEVENDOR.X25)

• LendSnap (Bor,CoBor) (field ID GSEVENDOR.X26)

• Quovo (Bor,CoBor) (field ID GSEVENDOR.X27)

• Roostify (Bor,CoBor) (field ID GSEVENDOR.X28)

• CoreLogic (VOE/VOI) (Bor,CoBor) (field ID GSEVENDOR.X29)

• Advanced Data Income Tax Verification (Bor,CoBor) (field ID GSEVENDOR.X30)

• Partners Credit (IncomeVerify) (Bor,CoBor) (field ID GSEVENDOR.X31)

• Taxdoor 4506-T Service (Chronos) (Bor,CoBor) (field ID GSEVENDOR.X32)

• ComplianceEase IRS Tax Transcript (Bor,CoBor) (field ID GSEVENDOR.X33)

• Private Eyes (4506-Transcripts.com) (Bor,CoBor) (field ID GSEVENDOR.X34)

• BankVOD IRS (Bor,CoBor) (field ID GSEVENDOR.X35)

• QuestSoft (Bor,CoBor) (field ID GSEVENDOR.X36)

The following new logic has been implemented to populate the loan Purpose (field ID LE1.X4) for loans with the Construction or Construction - Perm option selected for the Purpose of Loan (field ID 19):

• The loan Purpose (field ID LE1.X4) is populated with Refinance when the Initial Acquisition of Land checkbox (field ID 1964) is not selected and the Refinance checkbox (field ID Constr.Refi) is selected.

In additional to the new logic, the following existing logic will continue to be used to populate the loan Purpose (field ID LE1.X4) for loans with the Construction or Construction - Perm option selected for the Purpose of Loan (field ID 19):

• The loan Purpose (field ID LE1.X4) is populated with Purchase when both the Initial Acquisition of Land checkbox (field ID 1964) is selected and the Refinance checkbox (field ID Constr.Refi) is not selected.

• The loan Purpose (field ID LE1.X4) is populated with Construction when the Initial Acquisition of Land checkbox (field ID 1964) is not selected and the Refinance checkbox (field ID Constr.Refi) is not selected.

When upgrading to Encompass 18.2, the loan Purpose (field ID LE1.X4) will be locked for existing loans to maintain the data integrity of closed loans and disclosed loans. Click the gold Lock icon to trigger a recalculation of the amount using the new logic.

Updates have been made to the logic used to populate the HOEPA Status (field ID HMDA.X13) in order to populate the HOEPA status correctly on the NMLS Mortgage Call Report per filing instruction guide (FIG) requirements. Previously, the HOEPA Status was populated with 1. Not Applicable if the loan was not subject to HOEPA and was not originated by your company. A loan identified as high cost but not originated by the lender would be reported as high cost. Additionally, the mapping did not take into account whether the loan was a reverse mortgage or was not subject to the requirements of RegZ.

The following new logic is now being applied to populate the HOEPA Status (field ID HMDA.X13):

• The HOEPA Status is populated with 1. High-cost mortgage when both of the following conditions are true:

  • The Section 32 Qualification section on the Section 32 HOEPA input form indicates that the loan does qualify as a HOEPA/Section 32 High Cost Mortgage (field ID S32DISC.X51).

  • The Action Taken (field ID 1393) is 1. Loan Originated or 6. Loan purchased by your institution.

• The HOEPA Status is populated with 2. Not a High Cost Mortgage when both of the following are true:

  • The Section 32 Qualification section on the Section 32 HOEPA input form indicates that the loan does not qualify as a HOEPA/Section 32 High Cost Mortgage (field ID S32DISC.X51).

  • The Action Taken (field ID 1393) is 1. Loan Originated or 6. Loan purchased by your institution.

• The HOEPA Status is populated with 3. Not Applicable when any of the following are true:

  • The Action Taken (field ID 1393) is not 1. Loan Originated or 6. Loan purchased by your institution.

  • The Reverse Mortgage option (field ID HMDA.X56) is 1. Reverse Mortgage.

  • The Transaction is exempt from Reg. Z Ability-to-Repay requirements based on checkbox (field ID QM.X103) is selected.

• The HOEPA Status is not automatically updated when none of the above conditions apply.

The HOEPA Status is not automatically populated for construction and construction-to-permanent loans, which are not subject to HMDA reporting. These loans must be evaluated by the lender.

Why we made this update: Removing the Lock icons ensures that Encompass users no longer need to click the Lock icon to apply a business rule for the field or to select a value as part of a workflow.

During the initial implementation of 2018 HMDA features, the fields listed below were created with Lock icons and were populated with default values. The Lock icons have now been removed to enable business rules to update the fields and to enable Encompass user to enter data without clicking the Lock icons first.

• Manufactured Secured Property Type (field ID HMDA.X39)

• Manufactured Home Land Property Interest (field ID HMDA.X40)

• Submission of Application (field ID HMDA.X42)

• Initially Payable to Your Institution (field ID HMDA.X43)

• AUS #1 (field ID HMDA.X44)

• AUS Recommendation #1 ((field ID HMDA.X50)

• Reason for Denial #1 (field ID HMDA.X21)

The mapping rules for populating the fields with default values are still in effect.

When upgrading to Encompass 18.2, existing loans will retain the existing field values. The Lock icons will be removed from the fields, but any logic that populates a default value or overrides an existing value in these fields will not be triggered when saving the loan.

The Interest Only dropdown list (field ID 2982) on the 2018 HMDA Information input form has been replaced with a new Interest Only dropdown list (field ID HMDA.X109) to implement new logic for recording interest only payments for construction and construction-to-permanent loans for HMDA reporting purposes. A Lock icon has been added to the new field. The new field has the same three options as field 2981: blank, Yes, and No.

Yes is populated to the new Interest Only dropdown list when:

• The value for the Interest Only months (field ID 1177) is greater than 0

• Or when the Loan Purpose (field ID 19) is Construction

• Or when the Loan Purpose (field ID 19) is Construction-Perm and the value for the Period months (field ID 1176) is greater than 0.

No is populated to the field for all other scenarios.

When updating existing loan files to Encompass 18.2, the value in field 2982 is copied to field HMDA.X109.

ARM data fields have been added to the Loan Program Details section on the RegZ-LE and RegZ-CD input forms to enable Encompass users to enter all the information required to generate a complete ARM Disclosure custom form from the Encompass Print feature without having to modify the existing ARM disclosure custom form for every adjustable rate loan.

• An Index Lookback Period dropdown list (field ID ARM.IdxLkbckPrd) now displays in the Adjustable Rate Mortgage sections on the RegZ-LE and RegZ-CD.

• A new Conversion Option section has been added to the RegZ-LE below the Adjustable Rate Mortgage section with the following fields:

  • Convertible checkbox (field ID 1290) – Indicates whether the ARM loan contains a conversion option.

  • Conversion Option Fee $ (field ID CnvOpt.FeeAmt) – The amount paid to exercise the conversion option.

  • Conversion Option Fee % (field ID CnvOpt.FeePct) – The percentage of the loan principal balance (either original or at conversion) that the mortgagor must pay to exercise the option to convert.

  • Max Rate Adj (field ID CnvOpt.MaxRateAdj) – The factor used to calculate the maximum percentage rate to which the interest rate can increase when calculating a new interest rate for the option to convert an ARM loan to Fixed.

  • Min Rate Adj (field ID CnvOpt.MinRateAdj) – The factor used to calculate the minimum percentage rate to which the interest rate can decrease when calculating a new interest rate for the option to convert an ARM loan to Fixed.

  • Conversion Begin (field ID LE1.X96) – The ARM adjustment on which the conversion option takes effect. For example, select Second if the conversion begins on the second ARM adjustment based on the first change and adjustment periods configured in the Rate Adjustment section. This field is used to generate the Convertible ARM Disclosure output forms.

  • Conversion End (field ID LE1.X97) – The ARM adjustment on which the conversion option ends. For example, select Fifth if the conversion begins on the fifth ARM adjustment based on the first change and adjustment periods configured in the Rate Adjustment section. This field is used to generate the Convertible ARM Disclosure output forms.

A new Payment Change Example button has been added to the Adjustable Rate Mortgage section on the RegZ-LE and RegZ-CD input forms to enable Encompass users to adjust the information in the Interest Rate and Payment Change Example for ARM loans. The button is enabled only when the ARM option is selected for the Amortization Type (field ID 608).

The pop-up window contains the text shown below.

The amounts are populated from existing Encompass fields or are calculated based on loan values. Encompass users can click the blue Lock icons to manually modify the field values.

The pop-up window includes the following four new fields:

• Calculated initial monthly payment for a $10,000 loan (field ID LE1.X92) – Based on the rate (field ID 3) and the loan term (field ID 4).

• Calculated maximum monthly payment for a $10,000 loan (field ID LE1.X93) – Based on the maximum rate (field ID 2625) for the loan under the worst case scenario.

• Calculated month when the maximum monthly payment takes effect for a $10,000 loan (field ID LE1.X94) – Based on the time it will take for the note rate to reach the fully indexed rate based upon adjustments.

• Calculated initial monthly payment (field ID LE1.X92) for a $60,000 loan (field ID LE1.X94) – Based on the rate (field ID 3) and the loan term (field ID 4).

Additionally, when you select an option for ARM Index Type (field ID 1959), the corresponding long index description for the selected option is now populated to the description field (field ID 666) at the bottom of the Payment Schedule section, overwriting any text previously entered in the description field.

An issue has been resolved that caused a negative number to populate for the Total Proposed Monthly Payment (PITI) (field ID VASUMM.X99) for VA loans under some circumstances. This resulted in the following error being returned when running Encompass Compliance Service reports:

• Mavent Message(5000907) ERROR - PrincipalInterestTaxesInsuranceAmount - Value can not be less-than the minimum inclusive currency value.

The negative number would populate when an Encompass user entered HOA dues in the HOA Dues field (field ID 233) in the Proposed Monthly Housing Expenses section on forms such as the 1003 Page 2 and also entered the dues as a disclosure item on the 2015 Itemization input form. A negative Total Proposed Monthly Payment would display when the sum of the doubled HOA dues and other housing expenses exceeded the principal and interest on the loan.

This issues has been resolved. Encompass now calculates the VA payment as the principal and interest plus the related tax and insurance line items. Other proposed housing costs are not included in the calculation. The calculation for Total Proposed Monthly Payment now includes:

• First Mortgage P&I (field ID 228)

• Hazard Insurance (field ID 230)

• Real Estate Taxes (field ID 1405)

• MI Premium (field ID 232)

• Flood Insurance (field ID 235)

• Miscellaneous Escrow if Taxes or Insurance (from lines 1007, 1008, and 1009 on the 2015 Itemization)

  Entries in lines 1007, 1008, and 1009 are included in the calculation only when the word "taxes" or "insurance" is included in the fee description (field IDs 1628, 660, and 661) for these lines.

When upgrading to Encompass 18.2, the Total Proposed Monthly Payment (PITI) (field ID VASUMM.X99) will be locked for existing loans to maintain the data integrity of closed loans and disclosed loans. Click the gold Lock icon to trigger a recalculation of the amount using the new calculation.

When the Good Faith Fee Variance Violated alert is triggered, authorized users can view the alert details and click the Cure Variance button in the alert to enter the tolerance cure amount and other details to clear the alert and cure the tolerance violation. The pop-up window that is provided when they click the Cure Variance button has been updated to include all of the data fields that are provided in the Tolerance Cure section of the Closing Disclosure Page 1 and Fee Variance Worksheet.

Previously, the Good Faith Fee Variance Resolution Window contained the Date Resolved, Applied Cure Amount, and comments fields.

Starting in Encompass 18.2, this window contains the Required Cure Amount, Applied Cure Amount, Date, Resolved by, and Comments field.

Columns can now be added to the Encompass Pipeline and TPO Connect Pipeline to display the number of external and internal open conditions (conditions that do not have Cleared or Waived selected on the condition details window) for conditions that are associated with the following milestones:

• Prior to Approval (PTA)

• Prior to Docs (PTD)

• Prior to Closing (PTC) or Prior to Funding (PTF)

• Prior to Purchase (PTP)

• At Closing (AC) - for Post-Closing conditions only

Updates have been made to the email templates used when sending email notifications from the eFolder and for Status Online updates. The changes enable the recipient’s full name to be inserted into templates use for loans originated via an Encompass Consumer Connect website. Previously templates were limited to fields that displayed either the borrower or co-borrower name. This change enables co-borrowers who utilize an Encompass Consumer Connect website, and who share an email address, to receive email notifications that dynamically insert the name of each borrower, rather than inserting the same borrower name in both emails.

These updates affect the following three settings:

• HTML Email Templates (Encompass > Settings > eFolder Setup > HTML Email Templates)

• Company Status Online (Encompass > Settings > Additional Services > Company Status Online > Email Templates)

• Personal Status Online (Encompass > Settings > Personal Settings > Personal Status Online > Email Templates)

To support this features, a new Loan Source dropdown list has been added to the HTML Email Templates, Company Status Online, and Personal Status Online settings. Administrators can select the Consumer Connect or Non- Consumer Connect option from the dropdown list.

• Templates created with the Consumer Connect option selected will have the Recipient Full Name field available in the list of Commonly Used Fields that can be inserting into a template.

• Templates created with the Non-Consumer Connect option selected will not have the Recipient Full Name field available in the list of Commonly Used Fields.

• The remaining Commonly Used Fields are available in both types of templates.

After upgrading to Encompass 18.2, all existing templates are maintained in the HTML Email Templates, Company Status Online, and Personal Status Online settings. A duplicate template specifically for use with Encompass Consumer Connect is created for each of the default templates that are provided by Encompass. In the newly created Encompass Consumer Connect templates, the fields that define the borrower name and co-borrower name are replaced with the Recipient Full Name field. Duplicate templates are also created for any custom templates that your company has created, but no changes are made to the custom fields in these templates. Review your templates and create new templates for use with Encompass Consumer Connect loans as needed.

Two new columns (Consumer Connect and Non-Consumer Connect) have been added to each of the settings and a check mark displays in the appropriate column to differentiate between Consumer Connect and Non-Consumer Connect templates.

When email notifications are sent, Encompass verifies whether the loan is a Consumer Connect or Non-Consumer Connect loan. Encompass then displays only the appropriate templates for the loan. Only Consumer Connect templates are available for Consumer Connect loans; only Non-Consumer Connect templates are available for Non-Consumer Connect loans. When applying a Consumer Connect template, the email text displays the words Recipient Full Name. When the email is sent, the recipient’s name is populated in the appropriate email as it is sent to each recipient.

If you insert the Recipient Full Name field into a Consumer Connect template and then try to change it to a Non-Consumer Connect template, a warning message states that you cannot change the Loan Source to Non-Consumer Connect when the template contains the Recipient Name Field.

To conform to current compliance requirements, updates have been made to the verbiage on the eConsent agreement (the eDisclosure Agreement Form) that borrowers must review and accept before they can receive loan documents electronically. The updated version of the form is used on new loans created on or after April 7, 2018. Loans created prior to the April 7 update will continue to use the older version of the form.

This new version of the eConsent agreement will also be used with new loans created in earlier versions of Encompass including versions 18.1 and 17.4.

The update affects the following bullet point on page 2 of the agreement.

Current bullet point:

• If the software or hardware requirements change in the future, and You are unable to continue receiving eDisclosures, paper copies of such Loan Documents will be mailed to You once You notify Us that You are no longer able to access the eDisclosures because of the changed requirements. We will use commercially reasonable efforts to notify You before such requirements change. If You choose to withdraw Your consent upon notification of the change, You will be able to do so without penalty.

Updated bullet point:

• If the software or hardware requirements change in the future, We will use commercially reasonable efforts to notify You of the change. If You choose to withdraw Your consent upon notification of the change, You will be able to do so without penalty. Paper copies of such Loan Documents will be mailed to You if You choose to withdraw Your consent.

Why we made this update: To ensure consistency between FNMA 3.2 files imported into Encompass and Encompass loan files exported to FNMA 3.2 file format.

Updates have been made to the FNMA 3.2 file import process to enable additional fields to be imported into Encompass from FNMA 3.2 format loan files. The table below lists the Fannie Code where the data is located in the FNMA 3.2 file, the corresponding Encompass field name and field ID for the imported value, and the section of the 1003 input form where the value displays.

The following enhancements to the JIT Logger are being introduced in Encompass 18.2:

• In Encompass 18.1 the new Diagnostic Mode – Just in Time option (i.e., the Encompass JIT Logger) was introduced for admin users (and other authorized users provided with access rights via their persona) to access in the Encompass Help menu and perform application logging in real time. At that time, the JIT log file (and full logging Diagnostic file) that is transferred manually to the Ellie Mae Customer Support team for them to analyze could contain sensitive Personally Identifiable Information (PII) that was displayed in plain text and not masked or otherwise obscured. Starting in Encompass 18.2, the PII information in these log files is now masked in order to keep this information (email addresses, phone numbers, and Social Security Numbers, passwords and date of birth) secure. Instead of plain text, this information is now displayed as a series of special characters.

• Genuine Channels are now recorded in the JIT Logger log files. These logs indicate system connectivity status and are created when a GCTrace is added to your system registry (typically when Customer Support is helping you diagnose an issue).

• A new Clear Log button has been added to the Encompass JIT Logger user interface. Click this button to clear the log (i.e., remove all data from the log) without having to restart Encompass. Assuming the JIT Logger was monitoring your system previously or if there were errors indicated in the log, clicking the Clear Log button gives you a blank log file to start logging with (and the old entries are not included).