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Breaking Changes

Please review these notices and make the necessary changes to your integration before the specified release to avoid disruptions.

Encompass Developer Connect 24.3

Settings of External Organizations

EDC-1056

The following API endpoints are being updated to align with an upcoming new GET API being released in 24.3. Therefore, breaking changes need to be made to the contract for the following External Organization APIs that are available as of release 24.2:

The following fields will no longer be returned in the response of the Custom Fields object:

  • description
  • format
  • loanFieldId

Previously, the persona check was applied at the root level. Now, we are implementing more granular controls and applying the persona check at a tab level.


Encompass Developer Connect 24.2

V3 Loan APIs

EBSP-49691

Change to Payload Response Behavior

The following log entities are currently being returned in the V3 Loan APIs response when no view parameters are passed OR if view = entity OR if view=full. These entities are not returned when view=logs. This is not expected behavior, and therefore a change will be made effective 24.2 release to return the mentioned entities only when view=logs or view=full. Log entities will not be included when view is not passed. If your application is counting on the presence of these entities, you can leverage the query parameter view=logs or view=full to receive the log data.

  • PostClosingConditions
  • PreliminaryConditions
  • UnderwritingConditions
  • LoanActionLogs
  • LockRequests
  • MilestoneFreeRoles
  • MilestoneTasks
  • LockDenials
  • LockConfirms

As a result of this update, users will experience a faster response time when using the V3 Loan APIs. For example:

  • The V3 Get Loan calls with includeEmpty=false were observed to be performing ~20% faster than includeEmpty=true.
    • Please note, the includeEmpty=false query parameter is the default value for the V3 Get loan API.
  • The V3 Update Loan calls also show ~7% better response time with includeEmpty=false.
  • The V3 Create Loan calls show marginal improvement of ~1% with includeEmpty=false.

Loan Field Reader API

EBSP-45807

The default value for invalid field behavior will be to fail the request, if invalid fields are provided, and the query parameters are not provided. If you need to provide invalid field IDs and receive a blank response back for any reason, field reader can be called with parameter “invalidFieldBehavior” as “Include”.

Channel Option Controls

EBSP-54046

When creating a new loan or updating an existing loan using V3 APIs, the “channel” request attribute currently accepts any value, including the options not enabled for use in the Encompass Loan Setup > Channel Options setup screen. This is not expected behavior, and therefore, the V3 Loan API will be updated to enforce the validation of the Channel Options settings when creating or updating the loan via an API. If the user attempts to pass a Channel Option not enabled for use for your version of Encompass, an error will be returned.

SCIM Provisioning API

EDC-928

  • The SCIM User Provisioning API is now enforcing only one product schema to be passed for all CRUD operations, supporting user management for one product at a time.
  • The “schemas” query parameter is renamed to “schema” for all GET and DELETE calls to support user management for one product at a time.
  • The structure of the error response payload will be streamlined to support user management for one product at a time.
  • The core SCIM user schema 'urn:ietf:params:scim:schemas:core:2.0:User' must now be included for all POST/users, POST/accounts and PATCH/accounts API calls.
  • The default behavior for DELETE scim2/v1/users API will be modified to trigger a soft delete to deactivate the user profile in Encompass/DDA. Hard user delete will not be feasible via the SCIM API.
  • Now enforcing path attribute for all remove operations when updating users and groups.
  • The SCIM GET User/Users API previously returned all SCIM and non-SCIM users in the response. The API response now only returns users with SCIM globalUserId.

External User State License Contract Correction for "stateAbbreviation"

EBSP-54853, EDC-985

The External User State License Contract is updated to correct a typographical error in the 24.2 release. The contract attribute "stateAbbrevation" is renamed to "stateAbbreviation" to correct the typographical error. The following APIs are impacted by this change:

  • V3 Get All External Users
    GET encompass/v3/externalUsers
  • V3 Get an External User
    GET encompass/v3/externalUsers/{userId}
  • V3 Manage External Users
    PATCH encompass/v3/externalUsers

In addition, the legacy V3 External Organizations and V3 Get an External Organization API response payload is updated to rename stateAbbrevation to stateAbbreviation. This change impacts the following endpoints.

  • GET /encompass/v3/externalOrganizations/tpos
  • GET /encompass/v3/externalOrganizations/tpos/{orgId}

Additional Payload Added for EPC Service Order Resource

EDC-1011

The Service Order webhook resource will be updated to include extra payload in the event notification. This change is applicable to all Service Order webhook events. Using the added attributes, lenders can filter out webhooks that they need to work on based on the webhook itself, instead of polling the GET Service Order Status API for every Service Order webhook they receive.

The following attributes will be added:

  • productListingName - The name of the product as listed by the EPC partner.
  • productId - The unique identifier of the EPC partner product.
  • partnerId - The unique identifier of the EPC partner.

Subscribers of the Service Order webhook notifications need to update their implementation to account for the newly added attributes to avoid disruptions.

Encompass Developer Connect 23.3

Loan Schema updates

EDC-923, CBIZ-52826

To help ensure the logic to populate the Counseling Confirmation and Counseling Format type information on the Fannie Mae ULDD XML adheres to Fannie Mae’s Appendix D requirements, the loan-level First-Time Homebuyer field (field ID 934) on the ULDD/PDD input form has been replaced with two new borrower-level fields: Borrower First-Time Homebuyer (field ID 4973) and Co-Borrower First Time Homebuyer (field ID 4974). Utilizing these two new borrower-level fields enables Encompass to capture separate values for the borrower and co-borrower as opposed to capturing just one value for first-time borrower status with the singular loan-level field. The field ID 934 is still provided on other Encompass input forms, such as the Borrower Summary - Origination, Property Information, Fannie Mae Additional Data, and Freddie Mac Additional Data input form forms, however, this field is now padlocked.

Impact to API Users

  • Starting with the 23.3 release, this will be a breaking change if you are currently writing to the First Time Home Buyers field ID 934. If you need to update field ID 934 via the loan update API, you can do so using one of the following options:

Option 1 (Recommended)

Send the corresponding borrower (field ID 4973) or coborrower (field ID 4974) first time home buyer indicator fields in the payload in order for Encompass to calculate the value of field ID 934.

{
    "applications": [
        {
            "id": "{ApplicationId}",
            "borrower": {
                "firstTimeHomebuyerIndicator": true
            },
            "coborrower": {
                "firstTimeHomebuyerIndicator": false
            }
        }
    ]
}

OR

Option 2

Padlock the field ID 934 to write to the prior value by adding it to the FieldLockData collection. 

{
    "firstTimeHomebuyersIndicator": true,
    "fieldLockData":[
        "loan.firstTimeHomebuyersIndicator"
    ]
}

{
    "firstTimeHomebuyersIndicator": true,
    "fieldLockData": [
        {
            //"lockRemoved": true,
            "modelPath": "loan.firstTimeHomebuyersIndicator"
            
        }
    ]
}

Encompass Developer Connect 23.1

Upcoming Changes to V3 Loan Contract Attributes

With the release of Developer Connect 23.1 in 2023, the attribute type for V3 Loan contract attributes ApplicantType and isBorrower will change to ReadOnly. ICE Mortgage Technology recommends removing usage of these fields prior to the 23.1 release.

The following error will be thrown if either attribute is passed in the payload after the release of 23.1.

{
    "summary": "Bad Request",
    "details": "Request Payload has errors",
    "errors": [
        {
            "summary": "loanContract.applications[0].borrower.applicantType",
            "details": "The ApplicantType field is readonly."
        },
        {
            "summary": "loanContract.applications[0].borrower.isBorrower",
            "details": "The IsBorrower field is readonly."
        }
    ]
}

Encompass Developer Connect 22.2

Change Made to V1 Loan Contract

With the release of Developer Connect 22.2, the attribute type for V1 Loan contract attributes ApplicantType and BorrowerIndex was changed to ReadOnly. These attributes now have the same behavior as other ReadOnly properties in V1 Create/Update Loan.

Updated 13 days ago

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