# 2025 Release Notes

## 2025 Q4 — Released 01.20.2026

### Loan Management & Borrower Portal

- **Credit reporting changes for migrated loans** [New Feature] — Allow lenders to include the payment history profile, date of first delinquency, K2 segment, or L2 segment in Metro2 reporting for migrated loans. For reference, please see this API endpoint.
- **Rate caps for installment and line of credit loans** [New Feature] — Allow lenders to manage rate caps for both `spread` and `absolute` interest rates, on the loan or draw level (for lines of credit). This defines the maximum effective interest rate that a loan or draw can accrue over a defined period of time so that it will not exceed the rate cap. For reference, please see this API endpoint.
  - *Related training: [Borrower Portal - Agent-only View and Tools > Loan Options - Agent-only - Set rate cap / Manage rate caps (new)](/servicing-operations/agent-only-tools/agent-tools-overview)*
- **Manage installment SCRA plan** [New Feature] — Allow lenders to update the duration (start date or end date) of an existing, active SCRA plan on an installment loan using the "Manage installment SCRA terms" tool in the Agent-view of the Borrower Portal. This gives lenders more flexibility to manage their existing installment SCRA plans. For reference, please see this API endpoint.
  - *Related training: [Borrower Portal - Agent-only View and Tools > Loan Options - Agent-only - Manage SCRA terms (new)](/servicing-operations/agent-only-tools/agent-tools-overview)*
- **Delete installment SCRA plan** [New Feature] — Allow lenders delete an SCRA interest rate on an installment loan. This gives lenders more flexibility to manage their existing installment SCRA plans. For reference, please see this API endpoint.
  - *Related training: [Borrower Portal - Agent-only View and Tools > Loan Options - Agent-only - Manage SCRA terms (new)](/servicing-operations/agent-only-tools/agent-tools-overview)*
- **Overpayments allocation to draws with active expiring promo programs** [New Feature] — Allow lenders to apply excess line of credit payments, after minimum amounts are satisfied, towards draw balances with an active promo program that is set to expire in less than two periods from when a payment is applied. This is controlled by the `loanType.paymentWaterfall.multiPrioritizePromoRegZ` configuration. To learn more about this regulation, please review the following: [CFPB Regulation Z — §1026.53](https://www.consumerfinance.gov/rules-policy/regulations/1026/53/)
- **State-specific Right To Cure notices** [New Feature] — Allow lenders to send state-specific Right To Cure notices via email and physical mail channels. These notices can be configured to send X days before a loan's expected charge-off date, or X days after a loan becomes past due. Notices are supported for these 9 states: Colorado, Iowa, Kansas, Missouri, South Carolina, Wisconsin, DC, Maine, West Virginia. This is controlled by the `loanType.terms.rightToCureBuffer` configuration and repayment engine.


## 2025 Q3 — Released 10.21.2025

### Admin Portal

- **Loan Labels** [New Feature] — Allows lenders to view, add, update, and delete any loan labels on a company-level. Once a loan label is created, agents can add or remove loan labels on a loan in the Agent-view of the Borrower Portal (reference).
  - *Related training: [Admin Portal - Loan Labels (new)](/servicing-operations/admin-portal/admin-portal-overview)*
- **API Keys** [New Feature] — Allows lenders to view any API key details on a company-level including the ID, description, version history, encrypted API key details, last updated, and status.
  - *Related training: [Admin Portal - API Keys (new)](/servicing-operations/admin-portal/admin-portal-overview)*


### Loan Management & Borrower Portal

- **Loan labels** [Improvement] — Allows agents to add or remove loan labels on a loan in the Agent-view of the Borrower Portal. Any loan labels assigned to a loan are also displayed at the top of the page.
  - *Related training: [Borrower Portal - Agent-only View and Tools > Loan Options - Agent-only - Loan labels (updated)](/servicing-operations/agent-only-tools/agent-tools-overview)*
- **K2 segment in Metro2 reporting for loan investor change or assignment to debt collection agency** [New Feature] — Allows lenders to include the K2 segment in Metro2 reporting when a loan is assigned to an investor or a debt collection agency. For loans assigned to a debt collection agency, we will report the loan to credit bureaus for the final time in the period it is assigned to a collections agency (API endpoint). For loans that are assigned to an investor, we will continue to report the loan to credit bureaus (API endpoint). Lenders can choose to exclude K2 segment in Metro2 reporting with `loantype.creditReporting.metro2.skipSegments=["k2Segment"]`.
- **Update minimum pay calculation for existing active LOC draws** [New Feature] — Allows lenders to update the `minPaymentCalculation` logic on an existing active line of credit draw -- including whether to include the overlimit amount in the minimum amount, minimum periodic amount, minimum amount of interest charged, and percentage of principal. Any changes apply to future statement dates and cannot be applied retroactively to past statement dates. For reference, please see new API endpoint.
- **Fixed statement date for LOC with `twiceMonthly` payment frequency** [New Feature] — Allows lenders to configure fixed statement dates for LOC loans with `twiceMonthly` payment frequencies (`loanType.dueDates.periodCalculationType=statementDate`). For example, configuring `loan.atOrigination.specificDays` = [1,15] sets the statement dates on the 1st and 15th day of each month, while due dates are calculated as a positive offset from those statement dates based on `loanType.statements.locStatementCreationDaysOffset`.
- **Amortize loan combinations endpoint** [New Feature] — Allows lenders to generate multiple amortized loan schedules for installment loans based off various combinations of inputs (duration, interest rates, promo rates and total interest cap amount). For reference, please see new API endpoint.
- **Set interest rate** [Improvement] — Allows agents to end any existing interest rates, without an end date, using the "Set interest rate" tool in the Agent-view of the Borrower Portal. If selected, those rates will automatically be updated with an end date set to one day before the new interest rate's start date.
  - *Related training: [Borrower Portal - Agent-only View and Tools > Loan Options - Agent-only - Set interest rate / Remove interest rate (updated)](/servicing-operations/agent-only-tools/agent-tools-overview)*


## 2025 Q2 — Released 07.15.2025

### Agent Portal (CRM)

- **Manager dashboard column control** [New Feature] — Allow lenders to re-arrange columns, search for specific column headers, and hide / show columns. This allows manager dashboard users to tailor their view with the most relevant data for their team.
  - *Related training: [Agent Portal (CRM) - Manager Tools > Manager dashboard (updated)](/servicing-operations/agent-portal-crm/crm-manager-overview)*
- **Manager dashboard Open "Collection" Case view** [New Feature] — Allow lenders to facilitate Collections with additional details such as associated Case loans' overdue amount, number of days overdue, promise to pay (PTP) plan details and last successful payment. This helps manager dashboard users quickly identify and focus on the Collection cases that need the most attention, based on the metrics that matter most.
  - *Related training: [Agent Portal (CRM) - Manager Tools > Open Cases ->Collection tab (new)](/servicing-operations/agent-portal-crm/crm-manager-overview)*


### Loan Management & Borrower Portal

- **Promise to Pay plan cancellation reason** [Improvement] — Allows agents to see the cancellation reason and details, if any, on a cancelled Promise to Pay plan. This gives agents better context when following up on cancelled PTP plans, helping them decide the next best course of action to take based on their Collections strategy.
  - *Related training: [Borrower Portal - Agent-only View and Tools > Loan Options - Agent-only - Promise To Pay Plan (updated)](/servicing-operations/agent-only-tools/agent-tools-overview)*
- **LOC defer remaining balances tool** [New Feature] — Allows lenders to defer one or more due dates on a specific draw or all draws on a line of credit loans when a statement has been generated and there is a remaining balance on the obligation. We will capitalize the balances - meaning any due or overdue principal, interest, and fees deferred will be added to the principal. This may result in the borrower accruing more interest in the future. For reference, please see new API documentation.
  - *Related training: [Borrower Portal - Agent-only View and Tools > Loan Options - Agent-only - Defer remaining balances (new)](/servicing-operations/agent-only-tools/agent-tools-overview)*
- **Minimum payment Schumer box calculation update** [Improvement] — Allows lenders to configure minimum payment calculations to assume overdue amounts are paid on the due date instead of the statement date. This results in a more accurate minimum payment Schumer box disclosure on line of credit statements. This is controlled by the `loanType.statements.includeOverdueAmountInMinPayment` configuration.
- **Index rate applied timing** [New Feature] — Allows lenders to apply index rate changes starting in the next period, instead of mid-period. This ensures that loans continue to use an existing index rate (if any) for a current open period, aligning with credit card program requirements. This is controlled by the `loanType.interest.indexRateAppliedTiming` configuration.
- **Grace period eligibility fix for `postStatement` config** [New Feature] — Allows lenders to ensure accurate grace period eligibility for `postStatement` configurations, whereby obligations can only be fulfilled by payments made between the statement date and due date (inclusive). These payments are now recorded as `unassignedAmount` on the obligation.


## 2025 Q1 — Released 04.16.2025

### Agent Portal (CRM)

- **Ability to configure "Review auto-created Collections Case" tasks on a loan-type level** [Improvement] — Allows lenders to configure these task creation on a loan-type level.
  - *Related training: [Agent Portal (CRM) - Introduction > Process Initiated Related Tasks > Review auto-created case (updated)](/servicing-operations/agent-portal-crm/crm-overview)*
- **Ability to create email signature in CRM** [New Feature] — Allows agents to create and manage their own email signature when sending outbound free-form emails in CRM.
  - *Related training: [Agent Portal (CRM) - Introduction > Emails > Email signatures (new)](/servicing-operations/agent-portal-crm/crm-overview)*


### Loan Management & Borrower Portal

- **Promise to Pay plan** [Improvement] — Allows agents to create Promise to Pay plans with a "Bespoke" frequency with varying amount and date combinations. Allow agents to view all past Promise to Pay plans created, including active and terminal plans after their end date (i.e. kept, cancelled, broken)
  - *Related training: [Borrower Portal - Agent-only View and Tools > Loan Options - Agent-only - Promise To Pay Plan (updated)](/servicing-operations/agent-only-tools/agent-tools-overview)*
- **Credit reporting - Delete tradeline** [Improvement] — Allows agents to delete a tradeline with "Fraudulent" added as a new option in the "Delete reason" field and select an "Account status code" that will be reported to credit bureaus. Note that deleting the tradeline will delete the entire reported history as if the account was never reported to the credit reporting agency.
  - *Related training: [Borrower Portal - Agent-only View and Tools > Loan Options - Agent-only - Credit reporting (updated)](/servicing-operations/agent-only-tools/agent-tools-overview)*
- **Weekly payment frequencies for lines of credit** [New Feature] — Allows lenders to offer a borrowers weekly due date frequencies for line of credit products, providing greater flexibility in repayment schedules. This applies only to non-amortizing lines of credit and draws.
- **Rounding method configuration for Metro2 reporting** [Improvement] — Allows lenders to specify their preferred rounding method for monetary fields in Metro2 reporting. This is configured at a loan type level, allowing lenders to choose whether to round amounts up or down to the nearest dollar.
- **Generate last statement after a loan is paid off or charged off** [New Feature] — Allows lenders to generate a "final" statement after a loan is charged off or paid off within that period. This ensures that borrowers receive a clear, final statement summarizing the loan’s status. This will not be generated for charged off loans due to `bankruptcy` or `fraudulent`.
- **Payment processor for micro-deposits** [Improvement] — Allows lenders to process micro-deposit verifications using payment processors associated with a loan type. If a loan type is associated with a payment processor, the system will use that loan type's ACH payment processor for micro-deposits. If none is set, the system falls back to the default payment processor (`isDefault=true`). You can find more information in the "Payment Processors" API documentation.
- **Lines of credit migration on any day** [Improvement] — Allows lenders to migrate lines of credit on any day in the migration period. Prior to this change, lenders could only migrate line of credit between statement date and upcoming due date.
- **Cap dynamic fee as percentage of credit limit including other fees** [Improvement] — Allows lenders to configure a dynamic fee type to be capped as a percentage of credit limit while including other fees in calculation. For example: late fee can be capped at 25% of credit limit in first year while taking into account NSF fees as part of the calculation. To learn more, please review the following regulation: [CFPB Regulation Z — §1026.52(a) Interpretation](https://www.consumerfinance.gov/rules-policy/regulations/1026/interp-52/#52-a-Interp)
- **Limit only one fee, NSF fee or late fee, per period** [Improvement] — Allows lenders to configure dynamic fee charge logic to limit only one fee, NSF fee or late fee, to be charged in the period. To learn more, please review the following regulation: [CFPB Regulation Z — §1026.52](https://www.consumerfinance.gov/rules-policy/regulations/1026/52/)