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Enhancements to the DocVault - Rejection of eSign and eDisclose Only Disclosure Packages*

Charlie Gunn
  • Updated

Overview

Release 6.1.1000 includes the following changes to the DocVault in oPOS:

  • When multiple e-Sign Only disclosure packages of the same type are added to the DocVault, the older package will no longer be moved automatically to the 'Rejected' folder, allowing users to decide manually which disclosure package(s) should be rejected/removed, when applicable. This applies to e-Sign Only disclosure packages which originated from the LOS; e-Sign disclosure packages requested in the Cloudvirga system will continue to be rejected automatically.

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Configurations

The following existing configuration should be set to 'True' in iMP System Admin > Configuration - Environment to ensure that this functionality is working properly:

  • "Enable eSign Only Documents"

Additionally, Docutech/Encompass should be configured to use the eSign Only workflow.

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Which Document Types are Affected?

This feature only affects the unsigned eSign-only disclosure packages and eDisclose-only documents. When the system receives multiple versions of any of these documents, users can remove unwanted versions by updating the Document Status to "Rejected" in the DocVault. This fixes previous behavior that caused the older disclosure package to be rejected automatically when another was added, which could result in the wrong package being rejected. 

 

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Acceptance Criteria

Prerequisites:
 
  1. Test for eSign-Only and eDisclose-Only documents on applications with:
    1. joint-1003 (2 borrowers, 1 1003)
    2. single 1003, 1 borrower
    3. 2 borrowers, 2 1003s 
  2. Test manual rejection of unsigned/unexecuted e-sign only and e-disclose packages in DocVault to confirm the borrower's cPOS task is removed when the document package is rejected

Test scenarios:

 
Scenario 1:  Create eSign-Only package
  1. Login to LC and create a new joint-1003 purchase application with borrower and co-borrower with shared email address (as offline borrowers)
  2. For oPOS (Retail): click 'Export to LOS' button on 'Loan Details' screen
  3. For oPOS (TPO): complete the tasks to Submit the loan to Lender
  4. Save and close the loan in LC
  5. Login to Encompass and open the loan 
  6. Access the Services option at the top of the screen on the toolbar and select 'Document Preparation' from the dropdown
  7. Within the Doc Preparation > My Providers tab select Docutech ConformX Standard
  8. From the Document Package dropdown select any package
  9. Within the Additional Services section select eSign and click Submit
  10. Repeat steps to issue an additional esign package
  11. Save and close the loan in Encompass
  12. Access the borrower's email Inbox and retrieve the SecureLink emails for the two packages
  13. Click on the eSign link within the email
  14. Validate the security question is displayed on the Account Activation screen -- "What are the last 4 digits of the primary borrower's SSN?"
  15. Enter the last four of the primary borrower's SSN and complete the account activation
  16. Validate that the borrower is required to complete the eConsent
  17. Validate there are two eSign Disclosures task for the borrowers

Scenario 2: Esign Documents

  1. Click Begin on one of the eSign Disclosures task
  2. Complete the eSign Disclosures task for all borrowers
  3. Verify one of the cPOS eSign Disclosures tasks no longer displays for the borrower(s)
  4. Verify the cPOS Documents to Print and Sign task is now displayed for the merged ink/wet sign package 
  5. Verify there is still one eSign Disclosure task visible to the borrower(s)
  6. Complete the second eSign Disclosures task for all borrowers
  7. Verify there is no longer an eSign Disclosures task visible to the borrower(s)
  8. Verify the cPOS Documents to Print and Sign task is now displayed for the merged ink/wet sign package; there should be two of these tasks now visible to the borrower(s)
  9. Complete one of the Documents to Print and Sign tasks for all borrowers
  10. Verify only one Documents to Print and Sign tasks is now visible for the borrower(s) (do not complete)
  11. Log out of cPOS and log back into LC
  12. Navigate to DocVault
  13. Validate two signed e-sign only disclosure packages are visible in the eSign Only Disclosures - Signed folder (neither was auto-rejected and moved to the Rejected folder)
  14. Validate there is one unexecuted ink-signed document package visible in the eSign Only Disclosures folder
  15. Save and close the loan in LC
  16. Log back into Encompass
  17. Access the Services option at the top of the screen on the toolbar
  18. Select 'Document Preparation' from the dropdown
  19. Within Doc Preparation > My Providers tab, select Docutech ConformX Standard
  20. From the Document Package dropdown, select any package
  21. Within the Additional Services section, select eSign and click Submit
  22. Save and close the loan in Encompass
  23. Log back into LC and navigate to DocVault
  24. Validate the disclosure packages in DocVault:
    1. Two eSign Only disclosure packages that are fully signed are still visible in the eSign Only Disclosures - Signed folder (not auto-rejected and moved to the Rejected folder)
    2. new eSign Only disclosure package that is unsigned is visible in the eSign Only Disclosures folder
    3. remaining unexecuted wet signed package is still visible in the eSign Only Disclosures folder (not auto-rejected and moved to the Rejected folder)
  25. Save and close the loan in LC
Scenario 3 - Manual rejection in DocVault
  1. Using the loan above, login to cPOS and verify the eSign Only task shows on the tasklist.
  2. Open Loan in oPOS and navigate to DocVault.
  3. Locate the unsigned eSign only disclosure package in the eSign Only Disclosures folder
  4. In the "Status" field dropdown, select Rejected
  5. Verify that the unsigned e-sign only disclosure package is moved to the Rejected folder
  6. Save the loan and log out of LC
  7. Navigate back to cPOS and log in
  8. Verify the eSign Disclosures task is no longer visible to the borrower(s)
 
Scenario 5 - Manual rejection of 9402 in DocVault
  1. Using the loan above, login to cPOS and verify the Documents to Print and Sign task is still visible.
  2. Open the Loan in oPOS and navigate to the Doc Vault
  3. Locate the unsigned wet sign package in the eSign Only Disclosures folder 
  4. In the "Status" field dropdown, select Rejected
  5. Verify that the unsigned wet sign disclosure package is moved to the Rejected folder
  6. Save the loan and log out of LC
  7. Navigate back to cPOS and log in
  8. Verify the associated Documents to Print and Sign task is no longer visible to the borrower(s)
 
 

Corresponding Feature(s): 468536

 

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