Feature 416315: Assets - FormFree eVOA AccountChek - Borrower Agreement to Terms of Service

OVERVIEW

• This Feature will require Borrowers to agree to AccountChek by FormFree's Terms of Service before linking their Asset Accounts.

Description

• Borrowers will need to agree to AccountChek by FormFree's Terms of Service before they can link their Accounts to Securely Verify their Assets.  This will comply with FormFree's requirement that Borrowers agree to their Terms of Service for AccountChek.

Detailed Functionality

• A new Terms of Service UI Component for AccountCheck® by FormFree® will be displayed on the Consumer Site when the Borrower is Electronically (Securely) Verifying Assets while completing:
  • Asset information on their Application
  • Your Task Items for Bank Statements
• When a Borrower is completing their application, they will be required to agree to the Terms of Service when completing Asset information on their Application before they can eVerify their Assets with AccountCheck® by FormFree®.
• When a Borrower is completing a Your Task Item, they will be required to agree to the Terms of Service can eVerify their Assets.
• When a Borrower tries to eVerify without agreeing to the Terms of Service, the system will prevent them from continuing and present the required checkbox in the Alert Style.
• The checkbox to agree to the Terms of Service will not be persisted.  The Borrower must agree to the Terms of Service for every new session to Securely Verify Assets.
• An Entry is added to the Audit Log every time a Borrower agrees to the Terms of Service.

Configuration & Prerequisite Information

• eVOA for AccountChek by FormFree must be enabled.
• The following Configuration must be set:
  • System Admin/Configuration/Configuration - Environment/Legal.eVOA.TermsOfService.URL.CS = https://verifier.accountchek.com/tos

Acceptance Criteria

Use Case # 1: System Admin - New Configuration

1. Login to System Admin
2. Verify The new Configuration has been added and satisfies the requirements

Use Case # 2: Consumer Site Application - Successful eVOA - Single Borrower

• Prerequisite: 
  • eVOA is enabled
  • Terms of Service URL is configured

1. Begin completing a new loan in Consumer Site
2. On the Assets page, click on the Securely Verify Assets tile
3. Verify: 
   1. The Terms of Service UI Component is displayed
   2. The Terms of Service checkbox is not checked
4. Click Next without checking checkbox
5. Verify:
   1. The checkbox is a required field
   2. The user is not navigated to the next screen
   3. The checkbox shows in the Alert Style
   4. The message is displayed indicating that the user must agree to the Terms of Service
6. Check the checkbox
7. Verify:
   1. The checkbox shows in the Standard Style (i.e. it no longer displays in the Alert Style)
   2. The message indicating that the user must agree to the Terms of Service is not displayed
8. Click on the Manually Verify Assets tile
9. Verify The Terms of Service UI Component is not displayed
10. Click on the Securely Verify Assets tile
11. Verify: 
    1. The Terms of Service UI Component is displayed
    2. The checkbox is not checked
12. Check the checkbox and click Next
13. Verify The user is navigated to eVOA page (iFrame)
14. Successfully Verify Assets
15. Log out of the Consumer Site
16. Log into Loan Center
17. Open loan in LoanCenter
18. Verify The Terms of Service Audit Log Entry has been created and satisfies the requirements

Use Case # 3: Consumer Site Application - Successful eVOA for Additional Assets - Single Borrower

• Prerequisite: 
  • eVOA is enabled
  • Terms of Service URL is configured

1. Log in to the Consumer Site to continue working on the loan created in Use Case 1
2. Repeat Use Case 1 steps 2-18

Use Case # 4: Consumer Site Application - Unsuccessful eVOA - Single Borrower

• Prerequisite: 
  • eVOA is enabled
  • Terms of Service URL is configured

1. Complete Use Case 1 steps 13
2. Do not successfully Verify Assets
3. Complete Use Case 1 steps 15-17
4. Verify The Terms of Service Audit Log Entry has not been created

Use Case # 5: Loan Center Application - Successful eVOA - Single Borrower

• Prerequisite: 
  • eVOA is enabled
  • Terms of Service URL is configured

1. Log in to Loan Center
2. Start a new loan application in Loan Center
3. On the Assets page, enter an Asset using an institution that allows for eVOA
4. Finish the loan application
5. Shop for Rates
6. Apply a loan product that supports eVOA
7. Generate a BNL
8. Send a View My Needs List SecureLink to the Borrower
9. Log out of the loan in Loan Center
10. Open the SecureLink as the Borrower
11. Click on a Bank Statement Task associated with the eVOA institution
12. Click on the Link Account tile
13. Verify The Terms of Service modal window is displayed and satisfied the requirements
14. Click Continue without checking checkbox
15. Complete Use Case 1 steps 5-11
16. Close the modal window without clicking Continue
17. Repeat steps 12-15
18. Click Continue
19. Complete Use Case 1 steps 13-18

Use Case # 6: Loan Center Application - Successful eVOA for Additional Assets - Single Borrower

• Prerequisite: 
  • eVOA is enabled
  • Terms of Service URL is configured

1. Log in to the Loan Center
2. Open the loan created in Use Case 4
3. Complete Use Case 4 steps 8-19

Use Case # 7: Loan Center Application - Unsuccessful eVOA - Single Borrower

• Prerequisite: 
  • eVOA is enabled
  • Terms of Service URL is configured

1. Complete Use Case 4 steps 1-18
2. Do not successfully Verify Assets
3. Complete Use Case 1 steps 15-17
4. Verify The Terms of Service Audit Log Entry has not been created

Use Cases # 8: Additional Use Cases

1. Repeat Use Cases 1-6 with a Joint 1003
2. Repeat Use Cases 1-6 with a Multi-1003

Storyboard/Images

https://projects.invisionapp.com/share/HJ1029X8ASZK#/screens