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Enhancements to Disclosure Tracking - eConsent Status Reminder Before Request

Lizabeth Yandel
  • Updated

The 6.0.2000 release includes the following changes to Disclosure Tracking:

If an oPOS user clicks the Create Initial Disclosures button within the loan application without the borrower having established eConsent, a popup window will appear to alert the oPOS user, however the Loan Officer may still request the disclosure package. The borrower will be prompted to eConsent prior to eSigning. Should the borrower choose not to eConsent, the loan will move to an offline workflow. 

This popup window allows the oPOS user to either:

  1. Click Continue - this action will prompt consent forms to be physically mailed to the borrower.
  2. Click Cancel - this action will pause the disclosures request so that the oPOS user can contact the borrower and request electronic consent (eConsent).

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Once consent is established with the borrower, the oPOS user can request the borrower eSign disclosure documents.

Acceptance Criteria

  1. PreRequisites:
     
    • LOD is Disclosures Created with Effective Date in the past
    • Add eConsent data in Disclosure Request = Yes
      • System Admin > Integrations and Vendors > Disclosures > Disclosure Settings
    • Auto Fulfillment is turned off; Fulfillment on request is turned on.
      • Docutech configured to NOT send to fulfillment on expiration of consent window
      • Requires explicit request for Fulfillment to still function as expected for Delivery Method = Mail
      • There is no "just in time consent" with this approach.  Online/Offline is fixed at time of Disclosures Requested.
    • Test the following use cases for borrowers
      • Single
      • Joint
      • M1003 with Joint on both
    • Ochestration for econsent prior to requesting disclosures
      • 1st borrower completes application and econsents; coborrower logs in and econsents
      • 1st borrower starts application and logs out; coborrower logs in, completes application, and econsents; 1st borrower logs back in and econsents
      • LO completes 6 pcs on loan; 1st borrower logs in and econsents; 2nd borrower logs in and econsents
Use Case: Online Borrowers - eConsent obtained for all borrowers prior to requesting disclosures, eSign completed

  1. Create new loan with online borrower(s)
  2. Complete the application
  3. Login as each borrower and provide eConsent
  4. Shop 4 Rates and Apply product
  5. Request Disclosures
  6. Verify you do NOT receive the Missing eConsent Warning
  7. Complete the request
  8. Verify the Disclosure Package is requested with Delivery Method = Electronic
  9. Verify you receive the Document Response in Integration Services with eSign Links
  10. Login as each borrower and eSign disclosures
  11. Verify Disclosures Status = Disclosures Signed
Use Case: Online Borrowers - eConsent obtained for all borrowers prior to requesting disclosures, eSign NOT completed

  1. Create new loan with online borrower(s)
  2. Complete the application
  3. Login as each borrower and provide eConsent
  4. Shop 4 Rates and Apply product
  5. Request Disclosures
  6. Verify you do NOT receive the Missing eConsent Warning
  7. Complete the request
  8. Verify the Disclosure Package is requested with Delivery Method = Electronic
  9. Verify you receive the Document Response in Integration Services with eSign Links
  10. Login as each borrower and eSign disclosures - with the exception of a single borrower who does not eSign
  11. Verify Disclosures Status is NOT updated to Disclosures Signed
  12. Verify we do NOT receive SentToFulfillment pushback
  13. Verify we do NOT receive ScannedAtFulfillment pushback
  14. Verify delivery method is NOT updated to Mail

Use Case: Offline Borrowers - no eConsent

  1. Create new loan with offline borrower(s)
  2. Complete the application
  3. Shop 4 Rates and Apply product
  4. Request Disclosures
  5. Verify you receive the Offline Borrower Warning
  6. Click to continue with Offline borrowers
  7. Verify you do NOT receive the Missing eConsent Warning
  8. Complete the request
  9. Verify the Disclosure Package is requested with Delivery Method = Mailed
  10. Verify you receive the Document Distribution pushback in Integration Services with Delivery Method = US Mail

Use Case: Online Borrowers - eConsent obtained for some borrowers (but not all) prior to requesting disclosures - Cancel and obtain consent

  1. Create new loan with online borrower(s)
  2. Complete the application
  3. Shop 4 Rates and Apply product
  4. Request Disclosures
  5. Verify you receive the Missing eConsent Warning
  6. Click Cancel to cancel the disclosures request
  7. Login as each borrower and provide eConsent
  8. Request Disclosures once more
  9. Verify you do NOT receive the Missing eConsent Warning
  10. Verify the Disclosure Package is requested with Delivery Method = Electronic
  11. Verify you receive the Document Response in Integration Services with eSign Links
  12. Login as each borrower and eSign disclosures 
  13. Verify Disclosures Status is updated to Disclosures Signed

Use Case: Online Borrowers - eConsent obtained for some borrowers (but not all) prior to requesting disclosures - Proceed with Mail delivery
  1. Create new loan with online borrower(s)
  2. Complete the application
  3. Shop 4 Rates and Apply product
  4. Request Disclosures
  5. Verify you receive the Missing eConsent Warning
  6. Click Continue to proceed with the disclosures request
  7. Verify the Disclosure Package is requested with Delivery Method = Mail
  8. Verify the Delivery Method on the loan is updated to Mail
  9. Verify you receive the Document Distribution pushback in Integration Services with Delivery Method = Mail
  10. Verify Disclosures Status is updated to Disclosures Mailed

*(Corresponding Feature number(s) - 447994)

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