Create disclosure tracking log
A documents integration can create a disclosure tracking log by patching a transaction with a response that returns the required field values, and with a response result object with the action CREATE_DISCLOSURE.
Pre-requisite
Product has to be entitled to
CREATE_DISCLOSUREaction in order to use it during transaction patch.A product can be entitled to CREATE_DISCLOSURE action by adding it in the
response.resultsarray of the specific request type within$.entitlements.data.transaction.{ "action": "CREATE_DISCLOSURE", "formats": [ "application/vnd.disclosure-create-1.0.0.json" ] }
The specific fields that are sent as part of the response loan data follow the standard data entitlement model and process.
{
"status": "processing",
"loanFormat": "application/vnd.plm-2.0.0+json",
"loan": {
... // Additional loan data, sent as part of standard transaction loan update
},
"result": {
"format": "application/vnd.disclosure-create-1.0.0.json",
"action": "CREATE_DISCLOSURE",
"details": {
... //Create disclosure action details
}
},
"partnerStatus": "partner status"
}
format and action
The Encompass Partner Connect (EPC) Platform uses
$.result.formatand$.result.actionto properly handle the action details sent in the transaction PATCH payload. Make sure you use:"format": "application/vnd.disclosure-create-1.0.0.json"
"action": "CREATE_DISCLOSURE"
The full list of supported fields in the create disclosure tracking log action details are captured in the JSON-schema object definition below. There are several resources available online, such as https://www.jsonschemavalidator.net/, where a result details objects content can be manually validated.
{
"$schema": "http://json-schema.org/draft-07/schema#",
"type": "object",
"properties": {
"contents": {
"type": "array",
"minItems": 1,
"items": [
{
"type": "string",
"enum": [
"LE",
"CD",
"ServiceProviderList",
"ServiceProviderListNoFee",
"SafeHarbor"
]
}
]
},
"includedInTimeline": {
"type": "boolean"
},
"status": {
"type": "string",
"enum": [
"Active"
]
},
"disclosedDate": {
"type": "object",
"properties": {
"userValue": {
"type": "string"
},
"useUserValue": {
"type": "boolean"
}
},
"additionalProperties": false
},
"disclosedBy": {
"type": "object",
"properties": {
"useUserValue": {
"type": "boolean"
},
"userValue": {
"type": "string"
}
},
"additionalProperties": false
},
"disclosedMethod": {
"type": "string",
"enum": [
"ByMail",
"Fax",
"InPerson",
"Email",
"Phone",
"Signature",
"Other"
]
},
"disclosedMethodDescription": {
"type": "string"
},
"intentToProceed": {
"type": "object",
"properties": {
"intent": {
"type": "boolean"
},
"date": {
"type": "string"
},
"receivedBy": {
"type": "object",
"properties": {
"useUserValue": {
"type": "boolean"
},
"userValue": {
"type": "string"
}
},
"additionalProperties": false
},
"receivedMethod": {
"type": "string",
"enum": [
"ByMail",
"eDisclosure",
"Fax",
"InPerson",
"Other",
"Email",
"Phone",
"Signature",
"ClosingDocsOrder",
"eClose"
]
},
"receivedMethodOther": {
"type": "string"
},
"comments": {
"type": "string"
}
},
"additionalProperties": false
},
"disclosureRecipients": {
"type": "array",
"minItems": 1,
"items": [
{
"type": "object",
"properties": {
"id": {
"type": "string"
},
"name": {
"type": "string"
},
"email": {
"type": "string"
},
"disclosedMethod": {
"type": "string",
"enum": [
"ByMail",
"Fax",
"InPerson",
"Email",
"Phone",
"Signature",
"Other"
]
},
"disclosedMethodDescription": {
"type": "string"
},
"role": {
"type": "object",
"properties": {
"entityId": {
"type": "string"
},
"entityType": {
"type": "string",
"enum": [
"Borrower",
"NonBorrowingOwner",
"LoanAssociate",
"Other"
]
},
"entityDescription": {
"type": "string"
}
},
"additionalProperties": false
},
"presumedReceivedDate": {
"type": "object",
"properties": {
"userValue": {
"type": "string"
},
"useUserValue": {
"type": "boolean"
}
},
"additionalProperties": false
},
"actualReceivedDate": {
"type": "string"
},
"borrowerType": {
"type": "object",
"properties": {
"useUserValue": {
"type": "boolean"
},
"userValue": {
"type": "string"
}
},
"additionalProperties": false
}
},
"additionalProperties": false
}
]
},
"disclosedDailyInterest": {
"type": "object",
"properties": {
"useUserValue": {
"type": "boolean"
},
"userValue": {
"type": "integer"
}
},
"additionalProperties": false
},
"disclosedApr": {
"type": "object",
"properties": {
"useUserValue": {
"type": "boolean"
},
"userValue": {
"type": "integer"
}
},
"additionalProperties": false
},
"disclosedFinanceCharge": {
"type": "object",
"properties": {
"useUserValue": {
"type": "boolean"
},
"userValue": {
"type": "integer"
}
},
"additionalProperties": false
},
"useForUcdExport": {
"type": "boolean"
},
"changedCircumstanceIndicator": {
"type": "boolean"
},
"changeInCircumstance": {
"type": "string"
},
"changeInCircumstanceComments": {
"type": "string"
},
"loanEstimate": {
"type": "object",
"properties": {
"isDisclosedByBroker": {
"type": "boolean"
},
"isChangedCircumstanceSettlementCharges": {
"type": "boolean"
},
"isChangedCircumstanceEligibility": {
"type": "boolean"
},
"isRevisionsRequestedByConsumer": {
"type": "boolean"
},
"isInterestRateDependentCharges": {
"type": "boolean"
},
"isExpiration": {
"type": "boolean"
},
"isDelayedSettlementOnConstructionLoans": {
"type": "boolean"
},
"isOther": {
"type": "boolean"
},
"otherDescription": {
"type": "string"
},
"changesReceivedDate": {
"type": "string"
}
},
"additionalProperties": false
},
"closingDisclosure": {
"type": "object",
"properties": {
"isChangeInAPR": {
"type": "boolean"
},
"isChangeInLoanProduct": {
"type": "boolean"
},
"isPrepaymentPenaltyAdded": {
"type": "boolean"
},
"isChangeInSettlementCharges": {
"type": "boolean"
},
"is24HourAdvancePreview": {
"type": "boolean"
},
"isToleranceCure": {
"type": "boolean"
},
"isClericalErrorCorrection": {
"type": "boolean"
},
"isChangedCircumstanceEligibility": {
"type": "boolean"
},
"isInterestRateDependentCharges": {
"type": "boolean"
},
"isRevisionsRequestedByConsumer": {
"type": "boolean"
},
"isOther": {
"type": "boolean"
},
"otherDescription": {
"type": "string"
},
"changesReceivedDate": {
"type": "string"
}
},
"additionalProperties": false
},
"fulfillments": {
"type": "array",
"minItems": 1,
"items": [
{
"type": "object",
"properties": {
"id": {
"type": "string"
},
"disclosedMethod": {
"type": "string",
"enum": [
"ByMail",
"Fax",
"InPerson",
"Email",
"Phone",
"Signature",
"Other"
]
},
"trackingNumber": {
"type": "string"
},
"orderedBy": {
"type": "string"
},
"processedDate": {
"type": "string"
},
"recipients": {
"type": "array",
"minItems": 1,
"items": [
{
"type": "object",
"properties": {
"actualDate": {
"type": "string"
},
"comments": {
"type": "string"
}
},
"additionalProperties": false
}
]
}
},
"additionalProperties": false
}
]
},
"documents": {
"type": "object",
"properties": {
"forms": {
"type": "array",
"minItems": 1,
"items": [
{
"type": "object",
"properties": {
"formName": {
"type": "string"
},
"formType": {
"type": "string",
"enum": [
"eDisclosure",
"StandardForm",
"CustomForm",
"Needed",
"ClosingDocsOrder",
"eFolder",
"CoverSheet"
]
},
"signatureType": {
"type": "string",
"enum": [
"Informational",
"eSignature",
"WetSignature"
]
}
},
"additionalProperties": false
}
]
}
},
"additionalProperties": false
}
},
"additionalProperties": false
}
Below is a sample create disclosure tracking log request payload with most of the fields supported in the create disclosure tracking log operation:
{
"status": "Completed",
"loanFormat": "application/vnd.plm-2.0.0+json",
"result": {
"format": "application/vnd.disclosure-create-1.0.0.json",
"action": "CREATE_DISCLOSURE",
"details": {
"contents": [
"LE"
],
"includedInTimeline": true,
"status": "Active",
"disclosedDate": {
"userValue": "2024-10-16T20:13:45.485Z",
"useUserValue": true
},
"disclosureRecipients": [
{
"id": "id123",
"name": "string",
"email": "string",
"disclosedMethod": "ByMail",
"role": {
"entityId": "d579f6c7-d13e-4bcd-9673-1ac75c5d62ff",
"entityType": "Borrower",
"entityDescription": "string"
},
"presumedReceivedDate": {
"userValue": "2024-10-16T20:13:45.485Z",
"useUserValue": true
},
"actualReceivedDate": "2024-10-16T20:13:45.485Z",
"borrowerType": {
"useUserValue": true,
"userValue": "Individual"
}
}
],
"disclosedBy": {
"useUserValue": true,
"userValue": "string"
},
"disclosedMethod": "ByMail",
"disclosedDailyInterest": {
"useUserValue": true,
"userValue": 0
},
"disclosedApr": {
"useUserValue": true,
"userValue": 0
},
"disclosedFinanceCharge": {
"useUserValue": true,
"userValue": 0
},
"changedCircumstanceIndicator": true,
"changeInCircumstance": "string",
"changeInCircumstanceComments": "string"
}
}
}
Updated about 1 month ago