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25.3 Major Release Preview

July 1st, 2025

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Release Preview

This Release Preview is not the Release Notes. Release previews provide you with an early look at the new features and updates that will be provided in the upcoming release. However, in the weeks after this release preview is published, additional information (which can include new items, screen examples, expanded feature descriptions, and step-by-step instructions) will be added. Once all of the information for the release has been added, this "Release Preview" will be relabeled to "Release Notes" and no further planned updates will be made.

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Table of Contents

ENCOMPASS DOCUMENTS APIs

Send Document Package (update)

The following API endpoints have been enhanced to include additional attributes to specify the Encompass 'entityId' (Encompass User ID) and 'entityType' for the package sender. For this release, these attributes are optional; however, in a future release, these attributes will be required.

  • Send Opening Package 
    POST /encompassdocs/v1/documentOrders/opening/{docSetOrder_id}/delivery 
  • Send Forms 
    POST /encompassdocs/v1/documentOrders/forms/{docSetOrder_id}/delivery 
  • Send Closing Package 
    POST /encompassdocs/v1/documentOrders/closing/{docSetOrder_id}/delivery

EDC-1159

ENCOMPASS LOAN APIs

Loan APIs Enhancement

V3 Loan APIs have been enhanced to run Calcs and Business Rules configured to be triggered on virtual fields. This includes Audit Custom Fields configured to audit Virtual Field updates and Business Rules that are triggered when a virtual field is updated. Along with Create / Update Loan APIs, this enhancement also applies to log APIs such as Documents, Conditions, Milestones, Disclosure Tracking, etc.

EDC-1158

eFolder Export Attachments (update)

In the 25.3 release, the value of the 'entityId' attribute in the response of the Export Attachments API has been updated. However, the API contract has not been modified. Up until release 25.3, the 'jobId' and 'entityId' properties always had matching values. As of release 25.3, there will be cases where the values for the two properties are different. Please be sure to always use the value from the 'jobId' parameter when using the Get Export Status API. If you have been using the 'entityId' in any job orchestrations, you need to begin using the 'jobId' parameter going forward to ensure you can continue obtaining the export job status successfully.

❗️

This update is effective with the R2T release of Encompass scheduled for July 12, 2025.

EDC-1175

Loan Funding (new)

The following APIs have been added that enable you to retrieve and update funding fees for a loan, and to retrieve funding balances for a loan.

  • V3 Get Funding Fees
    GET /encompass/v3/loans/{loanId}/fundingFees
  • V3 Update Funding Fees
    PATCH /encompass/v3/loans/{loanId}/fundingFees
  • V3 Get Funding Balances
    GET /encompass/v3/loans/{loanId}/fundingBalances

EDC-1174

ENCOMPASS CONTACTS APIs

Business Contacts (updates)

The V1 Update a Business Contact API has been updated to now support the Business Category Additional Fields. In addition, the following APIs have been updated to return all records that include the Business Category Additional Fields.

EDC-1157

SETTINGS and UTILITIES APIs

Settings: Business Contacts (update)

The following API has been enhanced to add a new ‘includeLegacyId’ parameter. When this optional parameter is set to true, the API will return the Legacy ID. Use this Legacy ID to update custom category fields using the V1 Update a Business Contact API. The custom category field IDs are different between V1 and V3 business contact-related APIs; therefore, the Legacy ID is only applicable to the V1 Update a Business Contact API.

EDC-1169

SERVICES APIs

Partner Services (update)

The Partner Services API (Credit Partners and Samples) has been enhanced to support a new customer setup request option called Use Cases that Lenders can use when defining what options should be checked/unchecked or locked/unlocked on the Encompass partner integration user interface. The new Use Cases option will replace a dynamic user interface configuration. NOTE: If the new Use Cases option is not used, the API will continue to work as is with no breaking change.

EDC-1177

WEBHOOKS

New 'fieldChangeMessage' for Enhanced Field Change Webhooks Event (update)

Current Issue

Enhanced Field Change (EFC) webhook payloads have a size limitation of 220,000 (214 KB) for each webhook event, or chunk. When Encompass fields have excessively large string values, the EFC process is unable to create the payload chunks. This occurs when the combined length of the previous and new field value exceeds 214 KB. This will result in EFC webhooks that have empty payloads.

Solution

With this update, the EFC process will be enhanced so that it will be able to generate the payload chunks, when Encompass fields have excessively large string values. In order to keep the payload within the 214 KB limit, the EFC payload will be modified when the combined length of the previous and new field value exceeds 220,000 bytes. See below for more details:

We will remove values and truncate large string data as follows:

  • If the length of the field value, previous or new, is greater than 32KB:
    • Insert the following property and value into the payload:
      • fieldChangeMessage: "Field values excluded from payload. Value(s) exceed 32KB"
    • The encompass object values, previousValue and newValue, are not provided. The values will be empty.
    • The v3LoanModel object values, previousValue and newValue, are not provided. The values will be empty.
    • Sample Payload 
      {     
    "modifiedField": "CX.ERRORLOG" 
    "parentField": "CX.ERRORLOG", 
    "fieldChangeMessage": "Field values excluded from payload.  Value(s) exceed 32K." 
            "encompass": { 
              "previousValue": "", 
              "newValue": "" 
            }, 
            "v3LoanModel": { 
              "previousValue": "",  
              "newValue": "" 
    }

❗️

This change impacts all subscribers of the Enhanced Field Change webhook event. This includes customers on the 25.2, 25.3 and future versions of Encompass.

EDC-1166

GUIDES

EDC-1170 - In release 25.3, plugins are now supported for Encompass TPOC Connect®. See Encompass TPO Connect Plugins to learn more.

BREAKING CHANGES

See the Encompass Developer Connect 25.3 section previously posted in the Breaking Change Notices page.

FIXED ISSUES

EDC-1164 - Coming Soon: Update to Address Issue with the Encompass Password Policy

The Force user to change password and the password expiration policy in Encompass were not being honored in certain applications and users were permitted to log in with their expired Encompass password. In the Encompass 25.4 release currently targeted for November 2025, this issue will be addressed. This may result in many users being blocked from logging into their application until they change their password as soon as their company upgrades to Encompass 25.4 in Production environments. 

Details and Impacted Users: 

When the Encompass administrator selects the Force user to change password option on a user’s profile, or if the password has expired based on the Password Expiration policy (# of Days to Expiration option managed in Admin Tools > Server Settings Manager > Password), the next time the user attempts to log into an application they should be prevented from logging in until the password is changed. However, this setting was not being enforced for Encompass users logging into the following applications with their expired Encompass password:

  • Encompass web interface
  • Encompass Consumer Connect Admin portal 
  • Encompass Data Connect
  • Encompass TPO Connect website
  • Encompass TPO Connect Admin Portal
  • Encompass Developer Connect API (OAuth Token response)
  • Encompass Developer Connect Portal (API Keys, SSO Setup, MFA setup)
  • Insights
  • ICE Mortgage Technology Resource Center (Login with Encompass via Access Login)
  • Marketplace (login with Encompass via Access Login) 

In addition, the password expired policy was also not being enforced for external TPO users logging into their assigned TPO Connect websites. If the administrator reset the TPO user password, or if the password had expired based on the Password Expiration policy (# of Days to Expiration managed in Admin Tools > Server Settings Manager > Password), the TPO user was still able to log in with their temporary or expired password.

Starting with the Encompass 25.4 release, if the Encompass user’s password has expired or if the Force user to change password option has been selected on their user profile, the user will be prevented from logging into the applications listed above until their password is changed. The users will be required to change their password by logging into the Encompass desktop interface and then following the steps in the resulting change password pop-up notification. They may also contact their Encompass system administrator for assistance.

External TPO users will also receive a change password pop-up notification when they try to log into their TPO Connect website. They must follow the steps in the notification to change their password. 

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Please note, this change does not impact Encompass desktop interface users, nor users who are signing in with their company SSO.

POSTMAN FILE UPDATES

The following Postman files have been updated to support release 25.3. All new and updated samples are prefixed with "25.3R" for each reference. NOTE: Postman files are not updated during the release preview window.

  • Encompass Developer Connect Postman Collection
  • Encompass Developer Connect Postman Environment Variables

See Testing with Postman for more details and to download the latest versions of each Postman file.

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