Critical Patches
This section lists the Critical Patches released for Encompass Consumer Connect and provides a high-level overview of the fixed issues included in each Critical Patch release.
August Critical Patch
August 15, 2023
When a borrower uses an Encompass Consumer Connect site to return the Credit Authorization Agreement or Verification Authorizations (such as asset, income, or employment verifications), a PDF file that contains the authorization details is created and stored on the Encompass eFolder’s Documents tab. Updates have been made to the document containers where the PDF files will be placed to better indicate what the PDF file is and make it easier for loan team members to identify and locate these files in the eFolder.
When a Credit Authorization is returned and the PDF document is created in the eFolder, the PDF document is now being placed in the Credit Authorization document container. Previously this PDF was being placed in the Credit Report document container.
When a Verification Authorization is returned and a PDF document is created in the eFolder, a document folder called Verification Authorizations is created and the document container is named [verif type]_Authorization and placed within the folder. For example, the verification of employment authorization is named VOE_Authorization. This folder stores all the verification authorizations submitted through Consumer Connect sites.
Credit Authorization Document and Verification Authorizations Folder
Verification Authorization Documents in the Verification Authorizations Folder
NGCC-78523
July Critical Patch
July 25, 2023
When working with loan applications on Encompass Consumer Connect websites, borrowers experienced issues with the eConsent Agreement. When attempting to view the eConsent Agreement, the verbiage of the agreement would not display on the screen. After clicking the Accept button to accept the terms of the agreement, the following error message was returned and the acceptance was not submitted:
This issue has been resolved. The complete eConsent Agreement verbiage now displays as expected and users can successfully accept the terms of the agreement and then submit the loan application.
NGCC-78721
February Critical Patch
February 18, 2021
For loans using the new URLA forms in Encompass version 21.1, the Supplemental Ins amount (field ID URLA.X212) is associated with the borrower pair rather than with the loan, enabling different amounts to be entered for each borrower pair. This change is now reflected in the Consumer Connect loan application. When a Consumer Connect loan is submitted to Encompass, the Present Supplemental Insurance Amount (Field URLA.X212) will be populated in Encompass.
NGCC-52653, NGCC-52651
For loans using the new URLA Forms in Encompass version 21.1, an update was made to the calculation for Total of Other Assets Applied to the Loan (field ID URLA.X151) on the 1003 URLA – Lender input form to conform with the method adopted by Fannie Mae and Freddie Mac for updating the cash to close amount with other assets tagged as credits. As part of this update, the following two new options were added to the Other Assets drop-down list in Encompass:
- Lot Equity
- Relocation Funds
These options are now available in the Consumer Connect loan application.
NGCC-52703
December Critical Patches
December 18, 2020
When eConsent is collected using Encompass Consumer Connect, the date, time, and other basic information is captured in Encompass on the eDisclosure Tracking tab and in an eConsent form. The eConsent form is a generated PDF document that contains the eConsent agreement and displays any status updates in red text. However, an issue was observed after the 20.2 December Service Pack release where the eConsent form was not displaying the status information as expected.
This issue has been resolved and any changes made to eConsent through Encompass Consumer Connect are now reflected in the eConsent form. Please note that this update will not fix existing eConsent forms with this issue. For existing loans impacted by this issue, Lenders can refer to the eConsent information available in the Disclosure Tracking tab in Encompass.
NGCC-51564
December 17, 2020
An update made to Safari browser version 13.1+ introduced a change in cookie blocking settings that prevented some borrowers from accessing the loan application or borrower portal via a direct link. When a borrower attempted to access the loan application or borrower portal using a direct link instead of entering from the website, the borrower was redirected to the lender’s home page.
This issue is now resolved.
NGCC-42935
September Critical Patch
September 19, 2020
The FormFree VOA integration has changed significantly to increase efficiency and improve borrower experience. With this upgrade, the FormFree VOA order form is embedded in the loan application so borrowers can order without leaving the Consumer Connect site.
New FormFree Import Assets Flow
In a loan application workflow where the FormFree Asset Verification service is configured and enabled, the borrower and co-borrower are presented with the Assets page after providing Current Monthly Housing Expenses. After the borrower reviews and consents to the Asset Verification Agreement, the Order Assets page opens.
The borrower verifies the information required by FormFree, then clicks Next. Encompass Consumer Connect establishes a connection with FormFree and loads welcome information in an iFrame within the Encompass Consumer Connect loan application. Previously, at this point, the borrower was directed to the AccountChek by FormFree website.
The FormFree financial information search bar is displayed. The borrower can choose from popular institutions listed on the page or enter name of the institution where their assets reside. Borrowers can cancel the import at any time by clicking the Cancel button at the bottom of the screen.
When a financial institution is selected, the borrower is prompted to enter their user name and password for the financial institution. Asset information is retrieved and displayed to the borrower. The borrower selects the assets and accounts to import into the loan application.
The borrower can import assets from other financial institutions or continue with the loan application. When the borrower has finished selecting assets and returns to the loan application, the asset data imports into the loan application. The data can take a few minutes to import but the borrower can continue to work in the loan application until the import has completed.
When the import has completed, a status message informs the borrower in the loan application. The borrower also receives a notification email stating the service has finished processing.
Once assets are imported, the borrower can add and remove assets as needed until their loan application is submitted.
NGCC-34671
Action Required: The FormFree credential requirements for the Verification of Assets service has changed with the release of the Encompass Consumer Connect 20.1 September Critical Patch. In last month's Release Notes we announced the changes being made to FormFree requirements and recommended updating your FormFree configuration in advance before this change is implemented. When the Critical Patch is released, lenders using the FormFree Asset Verification service must have a FormFree user name and password configured on the Asset Verification settings page in Services Management. If a FormFree user name and password are not provided, the VOA service will fail when borrowers attempt to run FormFree's VOA service.
To obtain FormFree credentials or for help with any issues with your FormFree credentials, send email to the FormFree help desk at helpdesk@accountchek.com or call 800-225-9498 / 9am-9pm ET, M-F.
To Update FormFree Asset Verification Credentials:
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In the Encompass Consumer Connect Admin portal, go to Services Management.
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Click the Edit icon next to Asset Verification.
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Select FormFree from the Asset Verification Services list.
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Enter your FormFree user name and password in the fields provided.
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Click Save.
NGCC-45388
July Critical Patch
August 8, 2020
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:
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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.
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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).
To Add Custom Fields to VOA Requests Sent to Finicity:
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Open Loan App Settings for the workflow.
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Scroll down to the end of the page and click Services Settings.
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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.
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The Asset Verification settings are displayed with the Custom Field settings located below the Asset Verification Authorization text editor.
- 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.
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To add fields, click Add Fields.
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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.
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Click the Show on Report check box.
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Add more fields if desired, then click Save.
NGCC-42924
May Critical Patch
May 2, 2020
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.
NGCC-40607
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.
NGCC-37604
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.
NGCC-41238
April Critical Patches
April 27, 2020
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.
NGCC-43413
April 22, 2020
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.
NGCC-42182
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.
NGCC-42454
March Critical Patch
March 12, 2020
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.
NGCC-41303
October Critical Patches
October 30, 2019
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.
NGCC-36844
June Critical Patches
June 21, 2019
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
June 4, 2019
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
December Critical Patch
December 6, 2018
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.
ECC-870, NGCC-19181