> For the complete documentation index, see [llms.txt](https://docs.himaxwell.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.himaxwell.com/platform-overview/admins-and-tech-support/integrations/loan-origination-systems-los/encompass/encompass-e-disclosure-integration/maxwell-hosted-encompass-edisclosures.md).

# Maxwell Hosted Encompass eDisclosures

Table of Contents

* [Feature Overview & Key Benefits](#key-benefits)
* [How Maxwell Hosted eDisclosures Works](#how-maxwell-hosted-edisclosures-works)
* [Integration & Site Setup ](#maxwell-hosted-disclosures-integration-set-up)
* [Testing Instructions ](#testing-instructions)

### Feature Overview 

We’re excited to announce a major enhancement to the eDisclosure experience within our point of sale (POS), made possible through our integration with **Encompass Partner Connect** and the **Partner Doc Delivery APIs**. This update creates a more **seamless, transparent, and reliable** eDisclosure process for both borrowers and lenders.

### Key Benefits

#### **1. Streamlined Borrower Experience**

Borrowers will now receive, view, and sign their Mortgage eDisclosures directly from the Maxwell point of sale (POS). We've eliminated redirect, authentication, and consent steps that caused friction and confusion for borrowers, delivering a faster, more intuitive, and mobile-friendly signing flow.

**Steps removed for borrowers:**

* No redirect or SSO into Encompass Consumer Connect (ECC)
* No authentication code required
* No additional eConsent required
* No need to close ECC iFrame to update task status

#### **2. Increased Transparency for Loan Officers in the POS**

With our new signing status updates Loan Officers gain **real-time visibility** into borrower progress with disclosures (sent, viewed, signed, declined) making it easier to offer timely support and guidance to borrowers. 

Additionally, LOs can **view and sign disclosures directly from the POS**, to improve workflow efficiency.

<figure><img src="/files/4JdQ9YmjFw4PQ9IrMli9" alt=""><figcaption><p>Lenders can now see signer status as well as sign disclosures directly in the Point of Sale.</p></figcaption></figure>

#### **3. Seamless and Reliable Encompass Integration**

Built on Encompass Partner Connect and the Partner Doc Delivery APIs, this integration enables **secure, reliable, and automated document flow** between Encompass and Maxwell.

**Key Improvements**

* Automated delivery and sync of disclosure packages between Encompass & Maxwell using Partner Doc Delivery APIs&#x20;
* Resolves borrower authentication and SSO binding issues&#x20;
* Activity logs in both POS and LOS for improved self-serve support

### How Maxwell Hosted eDisclosures Works&#x20;

1. Lender generates disclosures in the Encompass eFolder and selects “**Send to Maxwell POS Disclosures**” as the delivery method.
2. Maxwell receives the disclosure documents instantly after generation.
3. Documents are packaged into a single eSigning envelope.
4. An eDisclosure task is created in the POS and email notifications are sent to all borrower participants.
5. Borrowers log into the POS, navigate to the eDisclosure task, and click "View & Sign."
6. The eDisclosures open directly in the POS, allowing borrowers to complete signing.
7. Maxwell tracks all signing activity (opened, signed, declined), updating the POS and Encompass logs.
8. LO logs into the POS to view borrower signing statuses and sign disclosures
9. Once all participants have signed, the task is completed and documents are synced back to Encompass eFolder.

### Maxwell Hosted Disclosures Integration Set Up

### Encompass  Setup

To enable the hosted disclosures feature an Encompass admin from your organization will have to complete the following six  steps to set up the Maxwell Partner Document Delivery services. &#x20;

Do this for your test Encompass environment first, and then once you're confirmed in your test environment you will need to repeat steps 1-6 to go-live for all production environments.&#x20;

**From Encompass Admin**

1. Go to Services Management and select **Add Service**.
2. Select Document Preparation and click **Retrieve Products.**

<figure><img src="/files/HA2dNkJetE0SLmsjjS8N" alt=""><figcaption></figcaption></figure>

3. Locate the Maxwell service and click on **Manual.**

<figure><img src="/files/J7ocXi4qB0qRHmw6JJBi" alt=""><figcaption></figcaption></figure>

4. **Configure the Service** by adding a service setup name, description, readiness conditions, and authorized user. The **Service Setup Name** is what will be displayed to your LOs and disclosure desk team members in the **Delivery Method** dropdown that they will use to select how the disclosures will be delivered to borrower. So you'll want to choose a name that is simple and self-explanatory to your team members. *Examples: Maxwell  Delivery, POS Delivery, or Send to {Your Site Name}.*&#x20;

<figure><img src="/files/mY1X7b6DpzLfHKhp1SYs" alt=""><figcaption><p>Configure the site name, readiness conditions, and authorized users in services management.</p></figcaption></figure>

5. Check that your **New Disclosure Delivery Method** is available via the eFolder -->  Web Deocument Flows.&#x20;

<figure><img src="/files/eE3LjpNNzg38QUn8gnSa" alt=""><figcaption><p>From the Encompass Desktop (SmartClient) select Web Document flows to access Partner Document Delivery method. </p></figcaption></figure>

<figure><img src="/files/NVUVMmkFbwOPCnP30Jj6" alt=""><figcaption><p>The service setup name is what will appear in the "Delivery Method" dropdown when ordering disclosures. Choose a name your team will intuitively understand.</p></figcaption></figure>

6. **File a Support Desk Case with ICE:** This is the final step to enable your Encompass environments for Encompass Partner Connect Disclosures.&#x20;

*Subject:* Enable EPC Disclosures for {Encompass Environment #'s e.g. BE112345}

*Request Body:* Our organization is enabling Encompass Partner Connect disclosures with our POS vendor Maxwell. We would like to enable the following Encompass environments {list Encompass environment #'s} to remove the one time password error message.

<figure><img src="/files/h5Y0XgImS6UDzw70F8sm" alt=""><figcaption><p>You need to submit an ICE support ticket to enable EPC disclosures and remove this send disclosures error message. </p></figcaption></figure>

Typically this support cases is fulfilled by ICE as a standard downtime update the Saturday after the request is made.&#x20;

{% hint style="info" %}
**Pre-requisite Notes:**&#x20;

1. For partner doc delivery to work the lender's instance needs and Encompass Consumer Connect Site set up. It does not need to be configured or pointed to an SSO connection,  but a basic page needs to be there for the end to end flow to work.  All lenders who use Encompass Disclosures would have this set up.&#x20;
2. Encompass Compliance Service (ECS) needs to be enabled on the Encompass instance to order disclosures. Again this should be setup by all lenders who use Encompass disclosures.&#x20;

In the event your organization does not have either of these set up in Encompass please refer them to the following documentation below.
{% endhint %}

{% file src="/files/e76JmKAcj2tHERqzw3hC" %}
Follow these instructions if you do not have Encompass Consumer Connect set up&#x20;
{% endfile %}

{% file src="/files/389IkaXoV3Ist814MaIB" %}
Follow these instructions if you do not have Encompass Compliance set up&#x20;
{% endfile %}

### Testing Instructions

{% hint style="warning" %}
Pre-requisites to complete prior to testing

1. Maxwell Admin set up of Hosted Disclosures (see above)

2. Set up Maxwell Partner Doc Delivery on Encompass web (see above)&#x20;

3. Prerequisites: An active ECC site and active ECS setup
   {% endhint %}

4. Create a loan application on one of your disclosures enabled sites.&#x20;

5. **Complete the loan application with a single borrower and export it to Encompass.**\
   \&#xNAN;*Note: You can also test multiple borrowers, NBOs and other cases but we suggest starting with a basic scenario for your first confirmation.*

6. Log in to Encompass at <https://www.encompassloconnect.com/> or in your desktop experience using your credentials for Encompass.

7. Locate your loan—it's most likely in the **'Pipeline'** folder.

<figure><img src="/files/jcocppy0DZRo1BDCoovi" alt=""><figcaption></figcaption></figure>

5a. From **Encompass Desktop (Smartclient)** click on the e-Folder then in the toolbar click the Web Document Flows dropdown and select "Disclosures" then **skip to&#x20;*****Step 7 Delivery Method***

<figure><img src="/files/5UgFLiAwZidq9i4vNJu7" alt=""><figcaption><p>From Encompass Desktop select web document flows to navigate to Encompass Web Partner Doc Delivery. </p></figcaption></figure>

5b. From **Encompass Web** In the left-hand panel, navigate to the **eFolder.**

5c. On the right-hand side of the pane, select ***Disclosures***.

<figure><img src="/files/qcx0ixPnHSqaOcTv6X3g" alt=""><figcaption></figcaption></figure>

6. From the ***Delivery Method*** dropdown, select **'Send to Maxwell POS Disclosures'**. This should be the default selection once it's enabled.&#x20;

<figure><img src="/files/wdbASyird671JocIn6lp" alt=""><figcaption></figcaption></figure>

7. Select *At-Application* as the package type. If a plan code is not pre-selected, choose one manually.

<figure><img src="/files/OBqrueD4NMkX61fw6LUq" alt=""><figcaption></figcaption></figure>

8. Allow the audit to run and complete any required fields.

<figure><img src="/files/uUx2pLGMSQYa4gzLffEy" alt=""><figcaption><p>Encompass will note any missing required fields to issue the disclosure package. </p></figcaption></figure>

<figure><img src="/files/7ajeaVQSeCcXpANEnKPx" alt=""><figcaption><p>Complete audit fields using the audit editor</p></figcaption></figure>

9. **Choose the disclosure documents** you want to includes in the package, then select *Next*.

<figure><img src="/files/lERXjDrw2JGTyJcK8blW" alt=""><figcaption></figcaption></figure>

10. Review Signers to confirm it's going to all the necessary parties and Click *Send to Partner*.

<figure><img src="/files/ScJXpT3LIMNgN0X3d2LF" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/tY1nNFKTUrpV8ABFhf0O" alt=""><figcaption></figcaption></figure>

{% hint style="warning" %}
**NOTE:**&#x20;

At this stage we recommend **closing the Encompass loan file**.

In order to create the disclosure log the loan file needs to be closed and "unlocked" to run the back end processes.&#x20;

Maxwell will create the eDisclosure task and notify borrowers to review and sign the documents immediately even if the Encompass file remains open.

However, because of Encompass loan locking settings, Maxwell cannot sync borrower disclosure tracking updates or signed disclosure packages back to Encompass while the file is open.&#x20;
{% endhint %}

#### Point of Sale Experience

11. Log in to the Borrower Hub as the borrower of the loan. The disclosure task should appear shortly. (Note: It may take a minute or two, so please refresh the page if it doesn't appear immediately.

<figure><img src="/files/JGytQrhvNsnlU0Uy8prN" alt=""><figcaption></figcaption></figure>

12. Click *View and Sign Disclosures*. This will redirect you to the e-sign experience.
13. Sign all required fields and click *Continue* within e-sign experience.

<figure><img src="/files/d69skzlWrnqKAAFTn6Ip" alt=""><figcaption></figcaption></figure>

14. You will be redirected back to POS. The package may appear as 'viewed' but not 'signed.' If this happens, refresh the page and within the a few moments the status should update to 'signed.'&#x20;

<figure><img src="/files/AMWVB1jD04GhXGn3rt24" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/igAFo55lMdiIYAhtcPp3" alt=""><figcaption></figcaption></figure>

15. Go to the Lender Hub experience go to Borrower Tasks Tab --> eDisclosures Tasks and click Review and Sign Docs as lender.&#x20;

<figure><img src="/files/Z4GY59XJQyjRIQm9smVU" alt=""><figcaption></figcaption></figure>

16. Sign Docs as the Loan Originator&#x20;

<figure><img src="/files/NgESu9FPrIVIVHZ9gPFx" alt=""><figcaption></figcaption></figure>

16. Return to see task as viewed and signed.&#x20;

<figure><img src="/files/GPudGhZqSSTO3pre9v1D" alt=""><figcaption></figcaption></figure>

{% hint style="warning" %}
**Note:** The docs will sync back to Encompass after all partied have signed&#x20;

You will need to have the **Encompass file closed** so Maxwell can sync the documents and disclosure tracking events back to the loan file.&#x20;

If the file is locked Maxwell will retry syncing, but keeping the Encompass file open will delay these updates.&#x20;
{% endhint %}

17. Allow a few minutes for the Encompass file to be closed to allow time for syncing&#x20;
18. Open the Encompass loan file and go to the disclosure tracking log in tools
19. Review the eConsent and LE Sent and Received dates in the summary.

<figure><img src="/files/oW1qtWVIksNzicUNt4aV" alt=""><figcaption></figcaption></figure>

<figure><img src="/files/awFWzwAVIJlKmNsC7Tpo" alt=""><figcaption></figcaption></figure>

19. Click on the disclosure package and click *View Summary* see the timestamps for *Message Viewed*, *eSigned Viewed Date*, and *eSigned Disclosures and any other disclosure tracking events associated with the package*

<figure><img src="/files/KuLxUS5CYKCMwzB7ydtc" alt=""><figcaption></figcaption></figure>

20. The events will also be visible from the Lender Hub, in the Activity Log.

<figure><img src="/files/V4zkM34TrQ85pRejhFCe" alt=""><figcaption></figcaption></figure>

At this point you've tested the end to end experience of the disclosures feature. After you've done a single borrower scenario we encourage you to test a few other disclosure package types and borrower use cases (co-borrowers, non-borrower owners, etc.)&#x20;

### FAQs

***How can I set Intent to Proceed? It appears I cannot do it from the LE Page 1 form.***&#x20;

You can set Intent to Proceed from the Disclosure Tracking log.&#x20;

1. Go to Tools --> Disclosure Tracking&#x20;
2. Select the disclosure package and open disclosure details&#x20;
3. From the Details tab click the Intent to Proceed Checkbox and fill out the date

<figure><img src="/files/rW79EEjZrn38KL1E0fke" alt=""><figcaption></figcaption></figure>

4. This will in turn update the ITP, LE Sent and Received Dates in LE Page 1.&#x20;

<figure><img src="/files/t3ECFD4IO9F0m6MDZa60" alt=""><figcaption></figcaption></figure>

{% hint style="warning" %}
There is a known ICE defect that impacts the ability to set Intent to Proceed Field Id \[3164] from the **LE Page 1** form. There needs to be an update this workflow to use the new versions of the disclosure tracking logs.The ICE team is working on a fix for this. We do not have timing yet, but will publish updates when we have it. The ICE JIRA for tracking reference is: CBIZ-70780.&#x20;
{% endhint %}

***Can I reissue disclosures in the Point of Sale?***&#x20;

Yes, you can reissue disclosure by creating a new disclosure package. You will need to repeat steps 5-17 to reissue disclosures and have all participants sign the package. It will appear as an addition e-disclosures task for the borrower.&#x20;

***Can Non Borrower Owners or Title Only Borrowers sign documents?***&#x20;

Yes, you will need to create the NBO or title only participants in Encompass contacts PRIOR to issuing the disclosure task. After you create the participant AND issue the disclosure task they need to sign. The NBO will receive an email invite to create their POS account and will receive a notification that an e-disclosure task is available to sign.&#x20;

***Can I send an individual disclosure doc to sign for the borrower that was missed on the individual package?***&#x20;

This is possible, we recommend going through the web documents flows and selecting disclosure, choose the applicable plan code and then select only those docs that you need to send.&#x20;

If you need to send an individual document that's not attached to a specific plan code you can use the "Request/Send" tool. If the document template is stored as a disclosure it will send as an e-disclosure task for the borrower. However, if it is not stored as a disclosure we will not recognize and send the document to the POS.&#x20;

***Can I Request/Send other documents that aren't disclosures?***&#x20;

No, we do not support that workflow in the Hosted Disclosures feature. If you wish to send or request other documents from the borrower you will need to do that from the POS Borrower Tasks flows.&#x20;

***Can I change a borrowers name or email after disclosures are issued? e.g. Their name is misspelled or email address is incorrect.***&#x20;

No, once an disclosures package has been issued you cannot modify the borrower contact information or anything else related to the issued package. Essentially, the documents are electronically printed as a PDF and shared so they can not be modified.&#x20;

If you need to modify a borrowers contact info or any other information in the disclosures package you will need to modify that in Encompass and then re-issue the disclosures package.&#x20;

***Do you support WetSign disclosures?***

Yes, we will recognize if a document is Wet Sign document and provide the document as a downloadable PDF which can be printed, signed and then re-uploaded within the e-Disclosures task.&#x20;

<figure><img src="/files/cZFwobJkX153cQHtWdv8" alt=""><figcaption></figcaption></figure>

&#x20;


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