Welcome to the December 2025 release notes! As we wrap up the year, we are excited to deliver a suite of features designed to improve your operational efficiency and financial accuracy. This month’s updates focus on flexible payment scheduling, enhanced creditor management, and powerful new customization options for your daily workflow.

This month's releases are organized into the following sections:

• Clixsign and Document Management

• Creditor Management

• Payments and Financials

• Productivity and Administration

• Bug Fixes and Performance Improvements

Clixsign and Document Management

Embedded Signing Experience

We have introduced a new embedded mode for Clixsign, allowing you to integrate the signing process directly into your own website or application. This provides a seamless experience for your clients, enabling them to sign documents without ever leaving your platform.

Enhanced Secondary Signer Assignment

Agents can now easily select secondary roles (such as attorneys or co-applicants) directly from the signer dropdown menu when generating documents. This eliminates the need for manual data entry and ensures that the correct name and email address are automatically populated for secondary signers.

Expanded Data for Unenrolled Creditor Tags

We have updated the {CreditorListUnenrolled} tag to include more detailed information, such as Third Party Name, Third Party Account Number, and Debt Type. This ensures your generated documents contain all the necessary data dynamically, reducing the need for manual edits.

Creditor Management

Parent/Child Creditor Relationships

You can now group multiple "child" creditors under a single "parent" creditor within the CRM. This structural update allows you to manage business rules and settlement percentages at the parent level, ensuring consistency and saving time when managing complex creditor hierarchies.

Merge Duplicate Creditors 

To help you maintain a clean database, we have added a "Merge Creditor" feature. You can now select multiple duplicate creditor records and merge them into a single primary creditor. All associated debts and history will be automatically reassigned to the primary record.

Faster Creditor Syncing

We have increased the frequency of the CFT Creditor sync to run twice daily. This means newly created creditors in CFT will appear in your CRM much faster, reducing delays in your enrollment and settlement workflows.

Payments and Financials

Flexible "Day of the Week" Scheduling

Enrollment Agents now have the flexibility to schedule monthly payments based on a specific weekday recurrence, such as the "2nd Wednesday of the month." This helps align payment schedules more accurately with your clients' income dates without relying on custom date calculations.

CFT Rebalancer Enhancements

The CFT Rebalancer has been upgraded to include past-open and past-pending fees in its calculations. The system now intelligently reschedules fees to ensure the consumer’s running balance never goes negative, keeping your accounting in sync with CFT automatically.

Loan Transaction Sync for CFT

Loan funding transactions from CFT now sync back to Forth CRM as "Balance Transfers." This ensures that your client's running balance and amortization schedule accurately reflect loan deposits, preventing incorrect negative balance displays.

Accurate "Total Fees Paid" Calculation 

We have updated the "Total Fees Paid" logic on the enrollment page to exclude voided or canceled transactions. This provides a more accurate view of the actual fees collected, while still allowing you to view canceled fees in a separate breakdown for audit purposes.

Productivity and Administration

Enhanced Task Management

We have made two significant improvements to the Tasks module to boost your productivity. First, you can now search and filter task templates directly inside the dropdown menu, making it faster to find the right template. Second, we added a "Customize View" button to the Tasks page, allowing you to choose exactly which columns to display or hide to suit your workflow.

Advanced Company Filtering

Managing large lists of companies is now easier with new filtering options on the Admin Companies page. You can quickly filter the list by Company Status, Company Type, or Parent Company, helping you locate specific partners or vendors in seconds.

Note Visibility and Auditing 

To improve accountability, we have added the company name next to the note creator's name in the Contact Log, helping you identify which affiliate or team member left a note. Additionally, the system now logs all changes made to Note Templates and Permissions, providing Admins with a clear audit trail of who modified these settings and when.

Default Custom Field Grouping

Admins can now set a "Default" view for Custom Field Groupings on the Client Dashboard. This ensures that any newly created user roles automatically inherit a consistent layout, reducing setup time and ensuring a uniform experience for new teams.

Bug Fixes and Performance Improvements

In addition to our new features, we have released several updates focused on system stability, integration reliability, and user interface refinements.

Document Generation Reliability

Resolved an intermittent issue where the "Generate Document" window would occasionally fail to load or send emails and SMS messages correctly. This ensures a more stable and consistent experience when preparing client documents.

CFT Settlement Sync

Fixed a synchronization issue where settlements created directly within the CFT platform were not always syncing transaction data back to Forth CRM. Settlement payments now reflect accurately across both systems.

Login Screen Updates

Updated the field labels on the login screen to read "User ID" for specific domains. This change clarifies the login credentials required for non-SSO users and aligns the terminology with our security standards.

Gateway Processing Logic

Refined the logic for specific payment gateways to ensure that accounts marked as "paused" are processed correctly according to gateway hold rules.

Welcome to the November release notes! As we head into the end of the year, we are excited to introduce a major upgrade to the FORTH Pay Customer Portal login experience, alongside enhancements to system security and audit trails. These updates are designed to make your daily workflows smoother, more secure, and more efficient. This month's releases are listed within the following categories:

• FORTH Pay Customer Portal

• Security and Audit Logs

• Document Generation and Tags

• Contact and Enrollment Management

• Integrations and Tools

• Payment Processing and Administration

FORTH Pay Customer Portal

Streamlined Login & Account Linking

We have completely overhauled the Customer Portal to support a modern, passwordless login experience. Users can now log in using their email address and a secure, one-time link sent to their inbox—eliminating the need to remember passwords. Additionally, customers with multiple accounts can now link them under a single email username, allowing for easy navigation between accounts without logging out and back in.

Security and Audit Logs

Comprehensive System Activity Logging

Transparency and security are top priorities. We have expanded our audit logging capabilities across several areas to give Admins better visibility into system activity:

• Document Security: A new audit log tracks every time a file is downloaded, recording the user, timestamp, and IP address.

• Call Activity: Deleting a phone call record now creates an entry in the Contact History, ensuring a complete trail of activity. Additionally, the History Log now displays the specific "Call Event Type" rather than a generic "Call Log Added" message.

• User Management: When a new user is created, the system now permanently records who created that user profile.

• SMS Settings: Any changes made to SMS settings (such as character limits) are now fully logged, showing the old value, new value, and the user who made the change.

Notification Tracking in Debt Notes

To improve accountability, the Debt Notes log now explicitly displays which users were notified via email when a note was created. You will see a clear "Notified: [email]" entry within the log, ensuring you can verify exactly who received critical updates regarding a debt.

Document Generation and Tags

New & Improved Data Tags 

We have added several new tags to make your automated documents and emails more precise:

• Settlement Summary: The {ENHANCED_SETTLEMENT_SUMMARY} tag now includes a totals row (summing balances and savings) and displays the Original Account Number.

• Refunds: A new {REFUND_AMOUNT} tag is available for cancellation emails, automatically populating the specific refund amount entered within the Issue Refund section during the "Cancel Program" process.

• ACH Counts: Use {NUM_ACHDEBIT} to show total ACH debits and {NUM_ACHOPEN} to show only open/pending ACH debits.

• Debt Notes: A new {LASTDEBTNOTE} tag allows you to pull the most recent note specifically attached to a debt, ensuring workflows don't accidentally pull general contact notes.

Dynamic Document Titles

You can now use dynamic tags (like {FIRSTNAME} or {SYNDICATOR}) directly inside Document and Package titles. This allows generated files to be automatically named with specific client details, making them easier to identify and organize.

Enrolled vs. Unenrolled Debt Selection

When generating documents that require selecting a debt, the dropdown menu now clearly separates debts into "Enrolled" and "Not Enrolled" categories. This helps prevent errors by ensuring you select the correct debt status immediately.

Contact and Enrollment Management

Language Visibility in Enrollments 

Managing a multilingual client base is now easier. We have added the ability to display a Language column directly in the Enrollment Tab data table. Furthermore, a new "Language" filter allows you to quickly view only clients who prefer a specific language, saving you from having to click into individual dashboards.

Return to Previous Tab After Scripts

To improve your workflow continuity, the system now remembers where you were before you started a Script. Once you click "Finish" on a Script, you will be automatically returned to the specific Client Dashboard tab you were viewing previously, rather than defaulting to the History tab.

Shareable Contact Lists

We introduced a new "Share Lists" permission. This allows specific roles to share and re-share contact lists they have access to without requiring full Super Admin privileges. This promotes better collaboration while maintaining strict control over who can edit system settings.

Integrations and Tools

External Credit Pull Button

For clients using external credit systems, we added a dedicated "External Credit Pull" button within the Debts tab. This triggers your configured webhook to initiate a credit check outside of Forth CRM, complete with permission controls and audit logging to track usage.

Clixsign Auto-Scroll Settings

Admins can now control the auto-scroll behavior for Clixsign documents. You can enable or disable auto-scroll by default at the account level, providing a smoother signing experience for documents with many optional fields.

New Trigger Conditions: Enrolled vs. Unenrolled Debt

You now have more precision when building triggers. Instead of relying on a combined "Total Debt" figure, you can now set trigger conditions specifically for "Total Debt Enrolled" and "Total Debt Unenrolled." This allows you to create distinct workflows that react differently based on how much of a client's debt has actually been enrolled.

View-Only SMS Template Sharing

Parent companies can now share SMS templates with affiliate sub-companies in "View-Only" mode. Affiliates can use these templates but cannot edit or delete them, ensuring brand consistency while still allowing affiliates to manage their own private templates.

Task ID Context for Webhooks

We have enhanced the Trigger System to support passing the Task ID ({TASKID}) through webhooks. This ensures that when a task triggers an external automation, the specific task record is correctly identified, allowing for more precise integration with your external systems.

Payment Processing and Administration

Smarter Transaction Syncing & Fee Processing

We have refined our backend logic for better data accuracy:

• CFT Sync: The continuous sync now excludes "past open" transactions, preventing outdated or invalid transactions from being sent to processing erroneously.

• Fee Processing: We extended the look-back period for validating fees from 5 days to 30 days, ensuring that open fees associated with cleared settlements are captured even if there is a timing delay.

SouthState Bank Control Totals

To comply with new security procedures from SouthState Bank, we are supporting the transition to their new Automated Control Totals application. This replaces email-based submissions with a secure portal upload or API connection.

Selective SMS Template Copying

When using the Copy Data tool, you no longer have to copy every SMS template at once. You can now choose specific SMS templates (by entering their IDs) to migrate between accounts. This mirrors the existing functionality for email templates, giving you cleaner account setups and ensuring you only move the content you actually need.

Unique Custom Field Names

To prevent data mapping errors, the system now enforces unique names for Custom Fields within an account. You will no longer be able to create or rename a field if that name already exists, ensuring your tags and reports remain accurate.

Helpful Intake Form Error Messages

If a user attempts to edit a contact but no "Default Intake Form" has been set, the system will now display a clear, helpful error message with instructions on how to fix it in the Form Builder, rather than a generic error code.

We are pleased to announce the following product updates for October 2025. This month's product releases introduce a wide range of new features and improvements to existing functionality. For a comprehensive view of all the new features released, click the link at the end of this document. Get ready to elevate your journey with Forth!

• FORTH CRM Updates
• FORTH PAY Updates

FORTH CRM Updates

We've introduced several updates to improve the FORTH CRM. These changes include:

• Enhanced Control and Visibility Over Debt Fee Percentages: You now have more granular control over the Debt Fee Percent field. A new role permission allows you to control which users can view or edit this sensitive information, adding a layer of security. Additionally, you can now add this field as a column in the Debts tab, Creditor pages, and within various Accounting and Debt reports for easier visibility and analysis.
• A Modernized and More Efficient Lending USA FSL Integration: We've completely modernized our integration with LendingUSA's FSL platform. This update streamlines the process of submitting prospects and provides real-time loan status updates directly from LendingUSA back into the CRM. This ensures you always have the most current information without leaving Forth, and the application submission button is now smartly enabled only when a loan is in the correct "Prospect" status.
• Automatically Extract and Access Power of Attorney Documents: --Save time and improve organization with our new automatic document extraction feature. When a Clixsign document or package containing a Power of Attorney (PoA) is completed, the system now automatically extracts the PoA and places it in a dedicated "Power of Attorney" section on the contact's record for quick and easy access.
• Save Time with Smarter Debt Note Templates: Your note-taking just got more efficient. Note templates that use debt-related tags (like {DEBT_AMOUNT} or {CREDITOR_NAME}) will now automatically populate with the correct data from the associated debt record. This reduces manual entry and ensures accuracy when creating notes for creditors.
• Filter Contact Lists by Enrollment Fee: Creating targeted lists is now simpler. You can now use the "Fee 1" value from a contact's saved enrollment plan as a filter in the Contact List Builder. This allows you to easily segment contacts based on their specific enrollment fee for more effective communication and reporting.
• Gain Better Visibility in Transaction Views: We've made two key improvements to the transaction tables on the enrollment details page. First, you will now see reversal transactions directly in the "Summary View," saving you from digging into the detailed logs. Second, we’ve added Transaction IDs to the Summary View and Debt/Settlement IDs to the main Transaction View, making it much easier to trace payments and link them to specific settlements.
• Quickly Manage Multiple Documents with Bulk Deletion: You can now select multiple document templates and packages at once to delete them in a single action. This feature makes it much faster and more efficient to clean up old or unused documents, helping you keep your repository organized.
• Manage CFT Reversals Directly Within FORTH: You no longer need to switch between platforms to handle payment reversals. You can now create and schedule Transaction Reversals and Refund Reversals for the CFT integration directly within Forth. This keeps all your transaction management in one place and ensures balances remain perfectly in sync.
• Debt Type Sharing and Mapping Between Accounts: You can now share your account's "debt types" with another FORTH account and map them to their corresponding types. This update ensures that when you share an enrollment plan, the fee and settlement calculations work correctly, even if the accounts use different debt type setups. This eliminates calculation errors and manual workarounds for multi-account organizations.

FORTH PAY Updates

We also made several changes and improvements to the FORTH Pay system to improve efficiency and data consistency.

• More Secure and User-Friendly Customer Portal: We've rolled out several key improvements to the Forth Pay Customer Portal. Users will enjoy a refreshed and more intuitive interface. We also enhanced security by improving email validation during registration to prevent account conflicts and ensuring users can only update the email username for the specific account they are currently logged into.  Moving forward, clients will use their email address instead of their customer ID to sign in.  Additionally, a new passwordless login option will be introduced. Instead of remembering and entering a password, consumers will receive a unique, secure link delivered directly to their email for instant account access.
• Secure Signed Contracts with a New Role Permission: To protect critical documents from being accidentally altered, we've introduced a new "Allow Contract Update" role permission. This setting helps you prevent unauthorized changes to the Signed Contract / Gateway Authorization section after enrollment, ensuring the integrity of important documents like the Forth Pay Authorization. By default, this permission is disabled for most roles.
• Manage CFT Reversals Directly Within FORTH: You no longer need to switch between platforms to handle payment reversals. You can now create and schedule Transaction Reversals and Refund Reversals for the CFT integration directly within Forth. This keeps all your transaction management in one place and ensures balances remain perfectly in sync.

We are pleased to announce the following product updates for September 2025. This month's product releases introduce a wide range of new features and improvements to existing functionality. For a comprehensive view of all the new features released, click the link at the end of this document. Get ready to elevate your journey with Forth!

• Financial and Payment Processing
• CRM and Task Management

Financial and Payment Processing

We've introduced several updates to streamline your loan and payment processes. These changes include:

• Payment Gateway Automation: The "Adjust Payments" page will now automatically pre-select a customer's saved payment gateway. This reduces manual entry, prevents errors, and ensures consistency. You can still manually change the gateway if necessary.
• Independent Loan Integrations: The dependency between the MobiLend and SuperMoney integrations has been removed. You can now enable and use the SuperMoney loan application feature independently, providing greater flexibility and an improved user experience.

CRM and Task Management

We've made several enhancements to our CRM and task management tools to improve efficiency and data consistency.

• New Client Assignment Field in Task Reports: A new field, "Assigned to Client Record," has been added to the Tasks Report under the Calendar Tab and the main Task Report. This allows you to quickly see the primary user assigned to a client without navigating away from the task view.
• Improved Task Reporting Filters: You can now filter tasks by "Task Group" directly from the Tasks Report under the Calendar Tab. This new multi-select dropdown filter allows you to easily manage and monitor tasks assigned to specific teams, improving operational efficiency.
• Consistent Note Type Restrictions: Note Type restrictions have been extended to the Notes sections of the Loans, Advances, and Enrollment tabs. This ensures a consistent user experience and enforces role-based permissions across the platform.

We are pleased to announce the following product updates for August 2025. This month's product releases introduce a wide range of new features, and improvements to existing functionality. For a comprehensive view of all the new features released, click the link at the end of this document. Get ready to elevate your journey with Forth!

• Settlements
• Documents and Communications
• Integrations and API
• Reporting and User Experience

Settlements

• Configurable Settlement Completion Status: This enhancement provides greater control over the settlement lifecycle by allowing you to define which offer statuses trigger the scheduling of settlement payments and earned performance fees. This decouples the transaction scheduling from a single "completed" status, preventing duplicate transactions and accommodating varied business processes. Additionally, you can now configure whether these transactions are created in an "Active" or "Inactive" state, offering another layer of control.

• Display Voided Settlements in Enrollment Summary: To provide a complete history of all settlement activities, the Enrollment Summary View now displays both "Completed" and "Voided" settlements. We've added "Settlement ID" and "Settlement Status" columns to clearly distinguish between different settlement attempts on the same debt. This enhancement improves transparency and aligns the Summary View with the data shown in the Transactions tab.

• Enhanced Settlement Payment Scheduling: To accelerate the process of scheduling settlement payments, we have introduced a new "copy" button within the settlement scheduler. This allows you to duplicate the payment amount from the previous installment to the next, reducing manual data entry. This feature is available for schedules with two or more payments and works seamlessly with the auto-adjust functionality.

• Role-Based Access for Settlement Integrity: Access to the "Settlement Integrity" section on the Enrollment Detail View is now managed through a specific role permission, "View Settlement Integrity." This ensures that only authorized users can view sensitive settlement discrepancy data. By default, this permission is enabled for Super Admin and Admin roles and can be assigned to other roles as needed.

• Evenly Split Payee Fees at Rebalancing: The fee rebalancing logic has been updated to split fees more equitably among multiple payees. Instead of scheduling fees sequentially, the system now calculates the proportional share for each payee based on the total amount owed and distributes available funds accordingly. This ensures a more balanced and fair allocation of performance fees during rebalancing.

Documents and Communications

• Gateway Restrictions for Document Templates and Packages: To prevent errors in document generation, the system now automatically filters document templates and packages based on the consumer’s assigned payment gateway. When an agent is on the "Document Creator" tab, they will only see documents associated with the gateway on the consumer's enrollment plan. This minimizes the risk of sending incorrect documents and simplifies the selection process for agents.

• Improved Document Generation Logic and API Updates: We have enhanced the document generation process to store and pass the associated Debt ID when a document is created for a specific creditor. This allows for more powerful and context-aware automations, as triggers for tasks, webhooks, and templates can now directly reference the specific debt. Correspondingly, the Get Document API endpoint now includes the debt_id field in its response, enabling better automation and direct linking for your integrated workflows.

• Enhanced Clixsign Event Notifications: Users can now receive email and in-app notifications for key events in the Clixsign document lifecycle. System administrators can enable notifications for specific document statuses—such as 'Sent,' 'Opened,' 'Completed,' or 'Declined'—so that the user who originally sent the document is kept informed of its progress. This feature improves visibility and helps users track documents more effectively.

• Improved Email Deliverability for Note Notifications: To improve the reliability of email notifications for contact and debt notes, we have introduced a new setting that allows these notifications to be sent from a Forth-controlled domain (noreply@setforth.com). When enabled, this feature helps prevent notifications from being marked as spam, ensuring your users receive these important updates. The sender's name will appear as "First Name Last Name (Forth CRM)" to maintain clarity for the recipient.

Integrations and API

• Bulk Pre-Qualification for LendingUSA: For clients using the LendingUSA (LUSA) integration, we have introduced a daily automated job to pre-qualify contacts in bulk. This cron job runs on a specified contact list, checking the pre-qualification status for each contact and updating their record accordingly. This eliminates the need for manual, case-by-case checks and streamlines the process of identifying qualified loan candidates.

• CFT Integration Updates for Fee Management: The Rebalance Fees feature is now available for accounts using the CFT gateway, allowing for the adjustment of future earned performance fees after a settlement is accepted. Additionally, the integration now supports a bidirectional sync for the Debt Fee Percent field. This ensures that the fee percentage at the individual debt level remains consistent between Forth and CFT, whether it's updated in the CRM or on the CFT platform.

• New API Endpoint to Get All Contact Lists: A new API endpoint, GET /v1/contacts/lists, is now available to retrieve a comprehensive list of all contact lists within your account. This allows for programmatic discovery of list IDs and their associated metadata, such as name, creation details, and filters. The endpoint supports pagination and filtering, enabling more dynamic and automated interactions with your contact data.

• Quickbooks Integration Update: This release includes foundational updates to our Quickbooks integration. Please refer to the Help Center article (click HERE) for more information.

• Preset Management Fee for Advances: For users of the Advances module, you can now establish a preset management fee percentage for specific syndicates in the advance settings. When an affiliate with a preset fee is selected during the creation or editing of an advance, the management fee will be automatically populated. This reduces manual entry and ensures consistency in fee application.

Reporting and User Experience

• New Filters for Financial Reports: The Dropped With Balance and Negative Account Balance reports have been enhanced with new filtering capabilities. You can now filter to exclude test accounts, accounts with scheduled refunds, and accounts with zero or negative balances, allowing you to generate more precise and relevant reports.

• Enhanced Logging for User-Run Scripts: The Contact History tab now provides more detailed information when a script is used during a client interaction. Instead of a generic "Script updated Contact" entry, the log now displays the specific title of the script that was used, along with the user and timestamp. This improves visibility and traceability for managers reviewing agent activity.

• New Contact List Filter for LendingUSA Loan Status: The List Builder now includes a new filter for "Lending USA FSL Status," allowing you to easily create contact lists based on the current status of a consumer's loan application with LendingUSA. You can also add the loan status as a displayable field on your contact lists. This makes it easier to track and manage contacts as they move through the LendingUSA loan process.

We are pleased to announce the following product updates for July 2025. This month's product releases introduce a wide range of new features, and improvements to existing functionality. For a comprehensive view of all the new features released, click the link at the end of this document. Get ready to elevate your journey with Forth!

• Debt and Settlement Tracking
• Payment Processing and Financial Reporting
• User Interface and Data Visibility
• Dialer Integration and User Management Improvements
• Internal System

Debt and Settlement Tracking

• Enhanced Settled Debts Tracking: We have improved the tracking capabilities for settled debts. You will now find three new columns in the Settled Debts table within the contact's  Debts nested tab: EPF Inactive, EPF Remaining, and EPF Unscheduled. These additions provide a clearer picture of settlement progress by showing inactive Earned Performance Fee (EPF) transactions, the outstanding EPF balance, and any unscheduled EPF amounts, eliminating the need for manual calculations.
• Apply Custom Debt Field "Custom Fee %" to Settlement Percent: You can now apply and use custom debt fee percentages to override the standard EPF percentage when settling a debt. A new "Debt Fee Percent" setting in the DPP settings allows for flexible configuration, automating and streamlining custom fee application for enhanced financial management.
• Remaining Settlement Balance Owed Field: We introduced a new "Remaining Settlement Balance" field to the Settled Debts table within the contact's Debts nested tab. This new column displays the outstanding balance owed on a settlement, dynamically updating as payments are cleared.

Payment Processing and Financial Reporting

• Banking Field Porting to EPPS for Wire Transfers: For clients utilizing the EPPS integration, the system now supports the transmission of creditor bank account information for wire transfers. This was achieved through an update to the existing AddFee method, now AddFee2, which includes AccountNumber and RoutingNumber fields. This ensures accurate and efficient processing of wire transfer payments directly through the API.
• Creditor Address Default for Settlement Payments: The payment modal for settlement payments (specifically check subtypes) now defaults to displaying the creditor's address instead of the client's address. This update improves data accuracy and reduces payment errors by ensuring the appropriate remittance address is automatically populated.
• Updated Process Date for Anticipated CFT Custodial Fees: For clients using the CFT payment processor, the anticipated CFT Monthly Custodial Fee will now reflect the correct processing date of the 7th of each month, or the next business day if the 7th falls on a weekend or holiday. This ensures consistency with CFT's processing behavior and allows for more accurate forecasting.
• Default "Creditor Update" Checkbox for CFT Adjust Payments: On the Adjust Payments screen for CFT consumers, the "Check this box to update CFT creditor information" checkbox is now selected by default. This change streamlines the process for updating CFT creditor or reference information, reducing manual steps and ensuring consistent updates.
• Linking Balance Transfers to Third Party or Client Deposit Fees: You can now apply and use custom debt fee percentages to override the standard EPF percentage when settling a debt. A new "Debt Fee Percent" setting in the DPP settings allows for flexible configuration, automating and streamlining custom fee application for enhanced financial management.

User Interface and Data Visibility

• Expanded Filters for Settlement Offers: The Settlement Offers index now includes the "Additional Filters" previously available only on the "Ready To Settle" report. This enhancement allows settlement negotiators to more easily locate specific offers, review negotiation history, track compliance items, and respond to client inquiries efficiently.
• Role-Based Permissions for Settlement Integrity: We've enhanced our security and data control features by introducing new, granular permissions for the Settlement Integrity section. This update allows administrators to control which users can view and interact with sensitive settlement discrepancy data, such as fee mismatches and scheduling validation details. The new View Settlement Integrity permission ensures that only authorized personnel have access to this information, providing better data security and operational control.
• Settlement Schedule Final Payment Rounding: A new user-configurable "Final Payment Rounding" setting in the Settlement Scheduler now allows fractional cent differences in total settlement amounts to be applied entirely to the final payment. This reduces manual adjustments, enhances the user experience, and streamlines the efficiency of settlement scheduling.
• Automated Program Deposit Field Population: The Budget Analysis nested tab on the contact's dashboard now automatically populates the "Program Deposit" field with the consumer's monthly draft amount from their enrollment plan. This streamlines data accuracy, further enhances our AADR compliance, and eliminates the need for manual tracking.

Dialer Integration and User Management Improvements

• Five9 Stage Changes Exclusion: For clients using the Five9 dialer integration, that integration now allows Super Admins to exclude contacts from "If number of attempts equals x" status changes based on specific Contact stage/status. This provides greater control over automated contact management, alongside the existing "Exclude enrolled contacts from automatic status changes" setting. Additionally, hovering over Click-to-Call icons on the Contact page will now display the dialer name.
• API Endpoint - Create User: SMTP and Custom Field Configurations: The Create User API endpoint has been enhanced to include SMTP configuration and custom field configurations. This allows for greater automation and integration for user creation, providing more flexibility in managing user profiles.
• Notifications Preferences Configurability: We added "Add Email Event Notification" Functionality to allow using a custom email sender account instead of SendGrid, or allow users to configure the time before an event that email notifications are sent out.

Internal System

• New Contact List Filter and Field: We introduced a new contact list filter, "Was Re-Enrolled," to identify contacts who have re-enrolled in a program easily. Additionally, a new contact list field, "Orig Enrolled Date," provides visibility into the original enrollment date, enhancing your ability to track contact history.
• Tag Replacer Integration: The mergeDocText function has been updated to integrate with the Tag Replacer service. This enhancement allows for more dynamic and flexible document generation by leveraging the capabilities of the Tag Replacer.

We are pleased to announce the following product updates for June 2025. This month's product releases introduce a wide range of new features,  improvements to existing functionality, and several key bug fixes. For a comprehensive view of all the new features released, click the link at the end of this document. Get ready to elevate your journey with Forth!

• Loan Module
• Clixsign E-Signature Platform
• Core CRM, Platform, and ForthPay
• Transaction and Backend Processing

Loan Module

• Loanosity Integration Update: The Loanosity integration has been updated to allow for the resubmission of loan applications that are in an "Applicant Withdrawn" or "Ineligible" status, creating a new application while preserving the original record.
• Loan Lender Trigger: A new, distinct trigger has been created specifically for loan lender submissions. This allows for more granular control and automation of workflows related to loan applications.

Clixsign E-Signature Platform

• System-Wide E-Sign Update: All features and settings related to DocuSign and EchoSign have been removed from the system. The platform has been fully transitioned to our native Clixsign solution. As part of this, the "E-Signed Docs" tab on the contact dashboard has been renamed to "Clixsign Docs."

Core CRM, Platform, and ForthPay

• Enhanced Creditor Information in Dropdowns: To improve accuracy when managing contacts with similarly named creditors, the creditor dropdown menus in the "Generate Document" and "Send Email" modals now display the Creditor Name, Debt Balance, and Full Account Number.
• Detailed Debt Change Logging: The contact history log for debt updates has been enhanced. The system now logs specific changes to the Debt Type and any Debt Custom Fields, showing the previous and new values, the user who made the change, and a timestamp.
• Secondary Assignment in Trigger Conditions: The Trigger engine now supports conditions based on the Secondary Assignment field for a contact, allowing for more complex and targeted automation rules based on team or role assignments.
• New Tags for External Company Contacts: New system tags have been created to pull contact information (COMPANY NAME, ADDRESS, PHONE, FAX, EMAIL) for the {ASSIGNED_EXTERNALCOMPANY}. These tags can be used in e-marketing and document templates.
• Customizable Debt Fields in Client Portal: Administrators can now configure which system debt fields are visible within the Customer Portal, allowing for a more tailored client experience.
• Balance Forecaster UI Updates: The Balance Forecaster interface has been updated with a cleaner design, including the removal of scroll-within-a-scroll behavior, improved tab selection for schedules, and a clearer layout for the forecast graph.
• MAVIS Gateway Check: The MAVIS document scanning system will now automatically flag a document for manual review if the contact's payment gateway is not set to ForthPay, adding an extra layer of validation.
• Enrollment Details Transaction Tables Update: The Enrollment Details page has been enhanced to provide a more comprehensive view of a contact's financial status. Key information, including the current stage, status, and enrollment date, is now prominently displayed, alongside two new tables: "Recent / Upcoming Transactions" and "Pending Settlement Offers."

Transaction and Backend Processing

• Comprehensive Transaction Sync with CFT: The continuous sync feature with CFT has been upgraded. In addition to status, the sync now updates amount, sub_type, process_date, and cleared_date. When creating a settlement offer, CFT transactions now automatically load when the Settlement Module page is opened. The sync will also now process deletions, ensuring data in the CRM is an exact match with CFT.
• New Handling for CFT Reversed Transactions: To provide a clearer audit trail, fee reversals from CFT will now create a new "Fee Reversal" (RV) transaction linked to the original payment, rather than modifying the original cleared transaction.

This month's edition highlights changes focused on making your sales and servicing operations more streamlined and cost-efficient. For a comprehensive view of all the new features released, click the link at the end of this document. Get ready to elevate your journey with Forth!

What's New (14)

Auto Clear Credit for Payees

A new setting, "Automatically Clear Credits for Payee," is now available in Advance Settings. Administrators can select companies whose associated payees will have credits automatically cleared when processed from the payment schedule, simplifying credit handling for syndicated advances.

Prevent Past-Dated Settlement Payments

To enhance payment processing accuracy, a new optional setting (disabled by default) prevents negotiators from saving newly "Accepted" settlement offers if they include payments scheduled in the past. This helps avoid potential downstream data issues.

Negative Balance Settlement Status Control

Gain more granular control over negative balance settlements. A new setting allows administrators to specify which non-"Accepted" statuses permit saving negative balance settlements. This offers flexibility, such as allowing saves in "In-Review" status while restricting them in others.

Accurate Settlement Summary Counts

The settlement payment summary count (e.g., "4/10") on the Debts > Settled Debt tab has been updated. It now accurately reflects the original number of scheduled payments, even if a consumer cancels their program, ensuring a true representation of settlement progress.

Enhanced Payment Modal Debt Selection

When processing payments, users can now select an associated debt or settlement offer directly within the payment modal. Displaying relevant details like creditor name and the last four digits of the account number helps ensure payments are applied correctly, especially for initial settlement payments.

Control Over Transaction Deletion

A new role permission, "Allow Delete Transaction," has been added. This gives administrators finer control over which user roles can access the "Delete" option within the Edit Transactions modal, enhancing transaction integrity by preventing accidental or unauthorized deletions.

Send External Forms via SMS

We've added a new "Send External Form Via SMS" trigger action. Alongside the existing email option (now "Send External Form Via Email"), you can now send forms via text message, provided you have a valid SMS integration and synced phone numbers.

New {LAST_CALL_NOTE} Tag

A new {LAST_CALL_NOTE} tag is now available. This tag captures the most recent call note from a client's log and can be used in triggers, templates, documents, and webhooks. This enables affiliates to receive the latest interaction details in real-time.

Credit Score Trigger Condition

You can now automate workflows based on a contact's credit information. "Credit Score" and "Bureau" are now available conditions within the trigger system, evaluating the most recent score if multiple exist.

Note Template Trigger Condition

For the "Note Created" event, a new "Note Template" condition is available. This allows you to trigger actions based on the specific template used when adding a note, enabling more granular automation like assigning tasks or sending context-specific communications.

Clixsign Default Enforced Signing Order

Enhance compliance by setting default preferences for 'enforce signing order' in Clixsign. This can be configured globally or per document template, ensuring documents consistently follow required signing protocols.

Enhanced Document Type Display

For improved clarity, the 'Doc Type' column is now displayed in all 'Docs' tabs within the contact dashboard. To avoid redundancy, this column has been removed from the 'Clixsign Docs' tab.

Configurable Customer Portal Access

Gain greater control by enabling the disabling of customer portal logins based on account addon status, allowing access management aligned with your business requirements.

Data Sources Honor Enrollment Plan Sharing

Data Sources now respect the enrollment plan sharing settings between companies when enrollment plan actions occur, ensuring consistency in data handling across your organization.

What's Improved (3)

Standardized Date of Birth Filter in List Builder

The List Builder now features a standardized "Date of Birth" filter with familiar conditions like "Between" or "Equal to Past," enabling more precise and intuitive contact targeting.

E-Marketing Email Templates Table Update

The user interface (UI) for the E-Marketing Tab > Email Templates page has been updated. The search field is now on the left, and all columns are sortable for easier navigation and management.

Dropped/Graduated Status Display

Clients now have immediate clarity on their program status. The Client Portal will display 'Canceled' or 'Graduated' statuses, along with the corresponding date where applicable.

This month's edition highlights changes focused on making your sales and servicing operations more streamlined and cost-efficient. For a comprehensive view of all the new features released, click the link at the end of this document. Get ready to elevate your journey with Forth!

What's New (12)

Delink Co-Applicants via API

We added an API method to the FORTH CRM API to delink a contact and a co-applicant relationship. Validate that contact is not submitted or enrolled.Log message to contact log

Updated the Copy Data Tool to Specify Roles

We updated our "Copy Data Tool" so that FORTH CRM admins can now select specific roles when copying data so that only necessary roles are copied over. We added a "Specific Role IDs" field in this tool, which will streamline affiliate account setups and prevent unnecessary roles from being transferred.

Active Settlements Count Tag

We created a new tag ({ACTIVE_SETTLEMENTS_COUNT}) that shows how many active settlements a consumer has, without counting fully paid-off settlements. This will allow for more personalized client communication by using conditional logic (IF statements).

Active Settlements Table Tag

We created a table tag ({ACTIVE_SETTLEMENTS_TABLE}) that displays all active settlements associated with a client, excluding paid-off settlements. This table will allow for the use of IF statements in messaging to provide more granular, personalized communication with clients and will display the following fields: Creditor/Debt Buyer, Account Number, Original Balance, Current Balance, Settlement Amount, Settlement Percent, and Settlement Term.

Document Tag of Settlement Summary to Include Current Creditor

A new document tag ({ENHANCED_SETTLEMENT_SUMMARY}) was built to generate detailed settlement summary tables. This new explicitly include both original creditor information and current creditor information (collection agency, third party, debt buyer, law office, etc.) to provide comprehensive transparency and clarity in client communications.

Added Graduation Date to Accounting Report Fields

We added "Graduation Date" as an optional field in the Accounting reports. This feature aligns with current practices where similar dates, such as the client's "Dropped Date," are already included. This will streamline the calculations of commissions and bonuses

Hide / Show Debt Notes

We introduced a setting to set the default number of debt notes to show underneath an enrolled or unenrolled debt within the client dashboard debts nested tab (i.e., subtab) (maxium 10 by default).

"Third Party" Filter in the Settlements Tab

We enhanced the Settlement tab in the FORTH CRM by introducing two new filter options, *“Third-Party”* and *“Assigned To”, allowing DRSPs to efficiently search for debts labeled to third parties in addition to creditors. The *“Assigned To”* field should pull the assigned user from the contact level and automatically populate within the Settlement tab. This enhancement is crucial for settlement negotiations, as DRSPs frequently engage with debt buyers rather than just original creditors.

Track IP Whitelists Updates inside the System Log

We updated the FORTH CRM System Log to track changes made to IP Whitelist settings in the Access Control page. This was done to help facilitate the identification of which user made the changes, what the changes were, and when they occurred to ensure accountability and maintain system security.

Update Clixsign SMS Notification Language

We updated the language of our Ytel SMS message to shorten it and make the message more digestible. This helps with overall deliverability and ease of use with Clixsign. The language now uses the following format: {noformat}{USERFULLNAME} from {ASSIGNED_EXTERNALCOMPANY} sent you a document to sign via Clixsign: {CLIXSIGN_LINK}
Reply STOP to QUIT.{noformat}

Add Triggers for Debt Enrolled, Unenrolled, and Created

We added Triggers on Debt Enrolled, Removed, and Created. Enrolled/Remove is a specific function separate from creating or updating the debt.

Added "Next Settlement Payment Amount" and "Next Settlement Payment Date" to the List Builder as Available Fields

We updated the FORTH CRM Contacts Tab by adding two new fields for viewing: Next Settlement Payment Amount and Next Settlement Payment Date.

What's Improved (1)

Added Contact Validations on Lists using Bluerock

Bluerock pulls call lists using either a search status like “New Lead” or via list query “List:XXXXXX”. The list of contacts may be pulled at 5AM by the call platform, but upon dialing of a particular contact in that list X hours later, the contact may no longer exist in that original list. Bluerock can implement a pre-dial validation to ensure the contact is still intended to be called. This can be solved by a simple addition to our query parameter.

This month's edition highlights changes focused on making your sales and servicing operations more streamlined and cost-efficient. For a comprehensive view of all the new features released, click the link at the end of this document. Get ready to elevate your journey with Forth!

What's New (19)

Comp Template Changes Reflected in System Log

Admins can now log any creation or update to a Comp Template in the system log of the associated account. This will allow users to track when a comp template was created or modified, who made the changes, and maintain an audit trail using the comp template ID for reference.

Remove Special Characters for Account Numbers during Forth Credit Pulls

Forth Credit now removes special characters from the debt account number before loading it into the CRM after parsing the credit report response message: These special characters include: {{/[^a-zA-Z0-9-]/}} Now, you may only use Uppercase and Lowercase letters, digits (numerals), and hyphens.

Hiding SSN's in KBA Popups

We removed the display of the SSN entirely during the KBA workflow, and noting that it is being pulled from the contact. When credit is pulled via Forth Credit the full SSN is sent to Spinwheel on the back-end, regardless of the users permission.

Prevent Users from Multiple Clicks of "Save"

We implemented a preventative measure within the CRM, disabling the "SAVE" button upon clicking, to eliminate the creation of duplicate or multiple ACH debit transaction when adding/inserting transactions to a consumer file.

Auto Redraft Feature Update

We enhanced Auto Redraft functionality to the FORTH system. This includes Day-Specific Redrafts, Gateway Customizations, and Improved Tracking, designed to make payment reattempts for failed transactions more efficient. These updates are tailored to FORTH Pay and GCS Gateways and apply to ACH debit transactions only.

Added Monthly Settlement Tags

We created two Tags,, {CURRENT_MONTHLY_SETTLEMENTS} and {PREV_MONTHLY_SETTLEMENTS} which populate contact monthly settlement information for debts settled in the current or the previous month.

Tag to Display Total Dollar Amount Paid Toward EPF

This new tag {CX_FEES_PAID_TO_DATE} allows client attorneys to populate the total dollar amount paid to date of earned performance fees for the specified debt. The tag should return the total sum of performance fee transactions in ‘Cleared’ status associated with the debt.

New Tag for California Law Compliance

This new tag table {TBL_FEES_CLEARED_MEMOS} displays the transaction memo field alongside the cleared earned performance fee (EPF) transactions. The Tag populates a table containing a list of cleared EPF transactions associated to the debt, transaction date, and the transaction memo.

Automatic Generation of Monthly Account Statements

Clients can now generate and deliver monthly customized escrow activity statements automatically, ensuring compliance with the latest state regulations.

Enforcement of 2FA on All Login Attempts

Admins can now ensure that two-factor authentication (2FA) is enforced on every login attempt so that user accounts remain secure and unauthorized access is prevented.

Prevent Different Users from Enrolling/Re-Enrolling a Contact at the Same Time

We implemented new time-based backend logic to the FORTH system. This prevents different users from completing an enrollment for a contact at the same time and prevent the creation of duplicate enrollment plan for a contact.

Create Permissions for Task Reassignment

We introduced a new permission, "Task Reassignment," in the CRM that restricts task reassignment to authorized users. Clients can assign this permission to any appropriate roles. A history event will create system logs on task reassignments to enhance accountability.

Role-Based Permissions for Shared Enrollment Plans (Affiliate End)

Account admins can now make enrollment plans shared with their account to be selectable by an Agent based on the designated user roles. This is done by enabling the receiving account to edit {User Role} and {Shared With Companies} settings in shared enrollment plans.

Share Documents Between Accounts via Webhook Based on Doc Type

Users may now specify which types of documents should be transmitted between Forth accounts via webhooks, so that only relevant documents such as contracts are shared.

Tag for Debt ID and Working via Webhook

Admins can now retrieve and display Debt ID via a Tag and transmit the data in a webhook.

RingCentral User Setting Page

Admins can map CRM users to RingCentral extensions through a dropdown lookup using names and extension numbers, so that they can accurately associate each CRM user with their respective RingCentral profile without performance issues during page load. This feature allows the look up of users by extension numbers and direct numbers to facilitate an easy mapping process.

RingCentral Authentication & Authorization

Users can now connect their RingCentral account to the FORTH CRM using the OAuth 2.0 authentication method, so that they can enable the integration and utilize RingCentral’s API features for seamless communication management.

Call Dispositions and Call Logs

CRM users can now view and manage detailed call logs (including call duration, type, direction, and participants) and categorize call outcomes with predefined dispositions (e.g., "Left Voicemail," "Connected") within the FORTH CRM, so that they can track, analyze, and improve call performance.

Add User Restrictions to Note Types

CRM admins can manage note types, note templates, and permissions efficiently so that the system remains organized and secure, ensuring that users have appropriate access based on their roles.

What's Improved (1)

Gray Out Past Dates on Tasks within Client's Profile

We modified the FORTH CRM Due Date selection feature in "Calendar > Tasks" and "Contacts > Tasks" to grey out and disable past dates.

This month's edition highlights changes focused on making your sales and servicing operations more streamlined and cost-efficient. For a comprehensive view of all the new features released, click the link at the end of this document. Get ready to elevate your journey with Forth!

• What's New (17)

• What's Improved (2)

What's New (17)

Bluerock User Mapping in My Settings

We now allow users to map their BlueRock User IDs directly in the "My Settings" section (under the "Phone Systems" category) so they can manage their BlueRock integration without requiring admin access or intervention.

Limiting Credit Pull Options Based on User Role

We added a section within the role management interface titled "Integrations", which displays all available credit pull providers *enabled on the account* (e.g., Forth Credit, Meridian Link) as Check Box options for Admins and Super Admins.

Push to Prior Business Day Settings

We created a new "Push To Prior Business Day" setting that moves ACH debit payments to the prior business day if the original date falls on a weekend or holiday.

Specify Exact Minutes and Seconds for Contact Creation

This feature allows users to specify minutes and seconds in the Contact > Created Date > Equals > Relative-Custom trigger condition to allow firing the trigger as close to the contact creation time as possible, improving response times.

Automate Forth Pay Document Underwriting

By integrating Forth Pay authorization document submissions with our internal verification processes, we increased pre-enrollment document underwriting process automation.

Creditor Portal Optimization

We optimized the Forth Pay Creditor portal's responsiveness and performance to handle ever-increasing large amounts of transaction data. We introduced pagination for faster load times and automated transaction reporting.

Setting Specific Number of Events to Pause on NSF

This enhancement gives you more flexibility in managing consecutive Non-Sufficient Funds (NSF) events. You can now decide how many consecutive NSF events will trigger an automatic pause.

Add Total Payment and Total Program Cost Fields to Program

CRM users may now see the Total Payment, Payment Frequency, and Total Program cost in the Program Snapshot section of the Edit Enrollment Plan page to provide consumers with accurate and transparent program transaction information.

Add "Pay Frequency" system field as a filter on Contact Lists

We enabled users to filter contacts by their payment frequency (weekly, bi-weekly, bi-monthly, semi-monthly, and monthly) when creating or editing a contact list, so that they can segment contacts and take targeted actions based on payment schedules.

Role-Based Tags for Company-Level Custom Fields

We allow users to create and use tags for company-level custom fields based on their role and permissions. This allows users to use company-specific data dynamically in emails, templates, automations, and webhooks.

Record Contact Delinking in the History Log

A new "General" event in the client dashboard history will now populate when an applicant and co-applicant are unlinked from each other, such as when a co-applicant is removed from the program. This will enable greater visibility into key contact events on the contact’s history.

Role Permission for Action on Decisions Page

We added a new role-based permission titled "Actions on Decisions" to provide more granular control over user actions within the decisions page. This allows users to view the settlement decisions page while limiting their ability to execute specific actions on settlements.

Clear Default Sort Field Due Date = Today from Task Page

We cleared all default filters on the Task page (except for pre-selected fields), so that all incomplete tasks are displayed upon page load, ensuring users do not miss tasks due on other dates. We also added a "Use as Default Filter" checkbox that allows agents to save their preferred filter configuration.

Refresh Enrollment Plan/Fee Profile When Debts are Updated

We updated the Enrollment Plan Interface to allow the Forth system to dynamically validate and reset program length and fee slot values (1-3) on the Enrollment Plan page whenever debts are added, removed, or modified.

Forth Pay Pending Fees Management

We enhanced the Forth system’s capability to automatically cancel historical and future Forth Pay fees in an open or pending status after a consumer cancels their program.

New "Charged Off Days" Field

We added a dynamically updating “Charge Off Days” field in the Contact Level Debt Table that calculates the number of days past due based on the “Last Payment Date”, and continues to accumulate over time. We also allow manual updates to reflect the days past due when discrepancies occur.

New "Last Offer Created Date" field for the Ready to Settle Report

We added more filter options to the "Ready to Settle" report page, specifically a new filter for "Last Offer Created Date." A date range selection tool lets you assign an individual date or a range of dates.

What's Improved (2)

Client Graduation Date and Dropped Date in the Client Snapshot

We modified the information banner in the Contact Snapshot section to include the date the Contact graduated or dropped from a program.

Update to "Send and generate" Button for Enrollment Plans

We updated the old "Send and generate" contract button so that it now redirects to where the client should go upon saving an enrollment plan and have the corresponding page prompt the user with the Clixsign popup.

This month's edition highlights changes focused on making your sales and servicing operations more streamlined and cost-efficient. For a comprehensive view of all the new features released, click the link at the end of this document. Get ready to elevate your journey with Forth!

What's New (10)

Add lastNsfDate Field in Loanosity Integration

We now include the last NSF date in pre-approval and final approval messages for Loanosity loan application requests. If no NSF transactions exist, the field remains blank.

Display Client History Upon Monevo Access Loan Submission

We updated the Monevo Access integration to display a history event for when the "loan submission" event occurs via SMS or email. This will trigger when an application has been sent on the Monevo Access section of the Loans tab. The history event states, "*CUSTOMER NAME_CUSTOMERID_has been submitted to Monevo Access."

New Alert Urgency Options for Mass Edit

We updated the Mass Edit function with a new dropdown field labeled "Alert Type" under the "Mass Add Alert" section, which allows users to create alerts for multiple contact dashboards simultaneously. This helps ensure consistency between the standalone Add Alert modal and the Mass Edit Add Alert interface.

Direct Pay Creditor Payments - Deposits by Respective Bank

The FORTH system can now route payments of Direct Pay creditors to both SSB and GBC banks, and the total amount for SSB excludes GBC-related transactions and vice versa. This is determined based on the DRSP associated with each transaction indicated in the memo field.

New Bank Column to Creditor Portal User Interface

We enhanced the Direct Pay creditors’ user interface by adding a new column to display the bank name associated with deposits. This column will indicate the bank (GBC or SSB) from which a consumer’s ACH credit originates. This enhancement will improve payment reconciliation and support accurate reporting for Direct Pay creditors.

ForthPay Advance/Recoup Modal

We updated and renamed the “Account to Client Transfer” interface on the Enrollment Details and Accounting pages to “Settlement Advance and Recoup.” This will ensure that recoup transactions are automatically generated while an advance transaction is created, automatically prepopulating and creating the Recoup Amount.

Tag for "Rejected Date"

We created a new Tag {REJECTED_DATE} that will populate and display the date and time a consumer file was rejected. With this update, the Forth system now automatically tags and timestamps any rejected files with the exact rejection date, so that clients can accurately track when files were rejected.

Auto-Detect Program End and Schedule Fees for Manually Added ACH Debits

We enhanced the Forth system to auto-schedule ForthPay fees when ACH Client debits are added manually, without relying on the detection of program completion, through the enrollment plan or the Add Payment modal. Automating this detection process would ensure that all relevant fees are accurately scheduled and accounted for.

Trigger Event for Saving Bank Account Information

We added a new trigger event named *"Bank Account Saved"* as an option in the event list dropdown menu in the CRM setup for selection. Notifications to agents are now delivered in real-time whenever a consumer’s bank account information is added or updated.

Passing Bank Account Holder Address Fields via Webhook

We updated the Forth CRM so that a bank account holder’s address fields are transmitted automatically via WebHook to ensure accurate data information across systems, streamline operations, and reduce manual data entry.

What's Improved (1)

Transactions/Gateway Approval View - Open Status Debit and Client Check Payment Transaction Only

We improved the current transactions and gateway approval view that displays payments across all statuses. This improvement limits it to only displaying ACH debit transactions in an open status.  This improves efficiency by reducing the time spent searching through unnecessary data as well as enhancing accuracy during the gateway approval review process.

This month's edition highlights changes focused on making your sales and servicing operations more streamlined and cost-efficient. Get ready to elevate your journey with Forth!

What's New (7)

• New Filtering Option Contact List Search: We added a new filter option labeled "Not Checked" for custom checkbox fields to allow users to identify Contacts where the checkbox is not selected.
   
• Introducing 'Reimbursement' as a New Account Transfer Subtype: We added a new transaction subtype, “Reimbursement,” to the Account Transfers transaction type to track reimbursements more accurately.
   
• Trigger Action to Generate Templates or Packages: We created separate event triggers for "Document Generated" and "Package Generated". The "Event Name" dropdown now includes these options, and the "Setup Actions" dropdown includes "Generate a Template" and "Generate a Package".
   
• Automatically Adjust Refunds to Account for Upcoming Custodial Fees: Forth custodial fees are now incorporated into refund calculations. The system will automatically recognize the pending fee and adjust the refund accordingly.
   
• Generated Documents Trigger Event: Users can trigger automatic workflow actions in the CRM system when a document is created to save time. To accomplish this, we added a "Document Generated" option in the automation setup.
   
• Contact History to Display SMS Opted Out: We installed Real-Time SMS Opt-Out Tracking, which captures and displays SMS opt-out actions as a history entry, such as when a consumer replies with “STOP”.
   
• Incoming Call Popup and Routing with Extension: Forth CRM users with the RingCentral integration can receive direct calls to dedicated phone numbers and route calls based on caller-entered extensions via IVR.
   

What's Improved (2)

• Gateway Options for Credits Moved to the Advance Level: We have moved the option for choosing a gateway for credits to be at the Advance level, just like choosing a debit gateway. In addition, clients may now choose an account set if there are multiple ACH Works accounts.
   
• Forth Credit Accepting SW E164-formatted Phone Numbers: This feature updated the Forth Credit integration to pass SW E164-formatted phone numbers.

This month's edition highlights changes focused on making your sales and servicing operations more streamlined and cost-efficient. Get ready to elevate your journey with Forth!

What's New (11)

• Add Settlement Setting for "Process WITHOUT Payment": We added a new role-based permission, “Settle Debts Without Payments,” within the Settlements Module. This allows restriction of the option to authorized users only to minimize the risk of accidental selections.
   
• New Tags Added:

• Tag for Monthly Payment: We created a tag that provides accurate monthly payments based on selected frequency (weekly, bi-weekly, semi-monthly, or monthly).
   
• {NOTECONTENT} Tag: We created a new tag {NOTECONTENT} for webhooks to communicate note content to affiliates without exposing email addresses of internal employees.

• Update Label/URL for Credit Parsing and Underwriting Tool: This feature updated the navigation label to "Submit Enrollment Parsing Tool" and created a functional testing sandbox. Using this sandbox removes the dependency on the presence of a credit report on the Contact's file.
   
• Pull Credit without KBA Using Array: Array-authorized clients can now use the KBA-less workflow to pull credit reports. We added a new setting labeled "Utilize KBA-less Workflow" to the Array integration settings.
   
• Five9 Integration: Five9 integration settings can now accommodate Contact Status changes, assign an agent on call disposition, and enable multiple status change workflows.
   
• Forth Credit 2.0: We revamped the credit-pulling workflow to provide a more streamlined, user-friendly interface. Additionally, clients will receive a one-time 6-digit code via SMS to authorize pulling their credit. You can now pull credit data for both primary applicants and co-applicants with pre-filled forms.
   
• New Call Logged Trigger Event: This feature allows CRM users to configure workflows that automatically update a contact’s status when call-logged events occur.
   
• Allow EPF Upon Settlement Fee Settings in Loanosity: Clients can assign the system to calculate performance fees for the Loanosity loan balance based on either the original or current debt amount.
   
• Update Loanosity DSL to Include Pending Transactions: Clients with the Loanosity DSL integration can now require the application loan balance to include Performance Fee and Settlement transactions with a pending status.
   
• Associate Payment Gateways with Enrollment Plans: Agents can now associate payment gateways with enrollment plans to minimize the risk of selecting the wrong processor. We created a multi-select box labeled "Available Gateways" during enrollment plan creation.
   
• Ytel Auto-Pause Settings: CRM users can now implement settings that allow agents to automatically pause their status before initiating a click-to-dial operation.

What's Improved (2)

• Enrollment Setting Now Only View Required Intake Form Fields: CRM users submitting files can be assured that only the required fields relevant to that form are enforced. We modified the logic of required field enforcement to only apply to the selected intake form.
   
• Update Array Product Codes: The Array integration settings Product list has been updated to include a new {{exp3bReportScore }} product code to the existing {{credmo3bReportScore}} code.

This month's edition highlights changes focused on making your sales and servicing operations more streamlined and cost-efficient. Get ready to elevate your journey with Forth!
 

What's New (11)

• Add Service Users to Sharing Dropdown for Documents: Service Users are now selectable options in the sharing dropdown for documents so that they can access documents that are not shared with "Everyone".
   
• New Tags Added:

• {Note Type} Tag: We added a new tag, {NOTE_TYPE}, that allows the system to populate the note type specifically during triggered events related to Note.
   
• {ROLE_X_USER_ID} Tag: We created a new tag {{{ROLE_X_USER_ID}}} that will populate the user ID number of a secondary assigned user. This was done to avoid using name-based webhooks for identifying users.
   
• Tags for Assigned To User First and Last Name: We added new tags to populate an assigned user’s first and last name.

• Create CoApp via Data Source UpdateRecord Function: We enhanced the {{UpdateRecord}} webhook parameter to allow the creation of a co-applicant record when updating the main applicant's contact record in the CRM.
   
• Global /Account Wide Clixsign Phone Number Subscription Management: We updated the Forth CRM to store a phone number's SMS subscription status to comply with regulatory requirements.
   
• SMS Opt-In via Clixsign Landing Page: We updated the Clixsign landing page with a checkbox to enable document signers to opt-in to future SMS communications.
   
• Update Pay Frequencies Without Editing the Enrollment Plan: We updated the Adjust Payments form to display the pay frequency dropdown independently of whether a frequency is selected on the enrollment plan.
   
• New Forth Descriptors: We updated the Descriptors used in monthly Forth Pay statements for Gershfeld 143, Mediator 177, and Mediator 2583.
   
• ONB ACH Return Process: We improved the efficiency of ACH returns to Old National Bank by automating the process. This modification is only applicable to Forth Pay customers.
   
• Mass Edit Tasks When Mass Edit Occurs For a Contact List: We added a new "Re-assign primary assigned tasks" option to the mass edits page, allowing users to automatically transfer tasks to a new user.
   
• Modify Creditor Portal and SFTP To Provide Customized Data Views: With this update, we provide customized data views of creditor payments for the Creditor Portal, SFTP site folders, and associated downloaded csv files.
   
• My Settings Modal Updates: We've improved the look and feel of the My Settings Modal to include email settings, common configurations, and user information.

What's Improved (2)

• Update Edit User Page To Show Google Connection Status: We updated the edit a user page to include a connection status indicator, as well as options to set a preferred connection option.
   
• Requiring the Offer Valid Date in Settlement Offers: We updated the "Offer Valid Date" field to be configurable as a mandatory field. If made mandatory, an error triggers if the user saves without entering a date.

This month's edition highlights changes focused on making your sales and servicing operations more streamlined and cost-efficient. Get ready to elevate your journey with Forth!

What's New (7)

• Customizable Signdate Tags: We launched a customizable {SIGNDATE} tag by allowing the use of HTML to improve document presentation. The signature date tag only renders after a document has been signed through Clixsign.
   
• New Monthly Payment Fee in Enrollment Plans: We built a new monthly payment fee type for enrollment plans that ensures a stand-alone ACH credit is always scheduled on a selected monthly payment date. This guarantees that DSRPs can schedule a monthly credit fee for a vendor.
   
• Trigger Event when Docs Upload under "Signed Contract/Gateway Authorization": We created a trigger event titled "Gateway Authorization Upload" for when Files are uploaded under the "Signed Contract/Gateway Authorization" section within the client's Docs tab.
   
• "Publicly Available Files" Banner on Files Tab: We added this update so that the Forth CRM now informs users that files uploaded under the Files Tab are publicly available. The message is prominently displayed at the top of the Files Tab screen.
   
• Prevent Enrolled Contact from Deletion via Mass Delete: We launched this feature to help ensure that contacts currently enrolled in a debt settlement program cannot be deleted using the Mass Edit > Mass Delete feature.
   
• Trigger Event for Loans Submitted: We built this new trigger event that automatically initiates follow-up processes when a loan is submitted. This event supports multiple platforms, such as Supermoney, NCA, Mobilend, and Loanosity DSL.
   
• Record File Size to the Contacts_Files Table: We provided the ability to track the file size of each document uploaded in the {{contacts_files}} table in snowflake.

What's Improved (2)

• Add New Phone Numbers as List Filters for Contact Lists: We updated the list filters for contact lists to allow searches on multiple comma-separated phone numbers. We modified the filters titled "Home Phone," "Cell Phone," and "Work Phone".
   
• CRM Tag Replacements for Client Portal: We enhanced client portal functionality by extending the CRM tag replacement functionality when an email originates from the portal rather than just the CRM. This allows dynamic content to be inserted into emails based on predefined tags.

This month's edition highlights changes focused on making your sales and servicing operations more streamlined and cost-efficient. Get ready to elevate your journey with Forth!

What's New (12)

• Expose Contact Assigned Company into Credit Parsing Tool: We updated the Object Reference Contact variable to not include assigned company key-value-pair as assigned_company: '<Assigned Company ID>'. This results in the Contact Assigned Company ID being included as a new Credit Report Parsing Tool variable.
   
• Sharing SMS Templates & Campaigns with Companies: We created a smoother way to manage affiliate settings without constantly switching between affiliate and parent company. The “shared with” dropdown for SMS templates will let you select specific companies. Users will now only see templates relevant to their position in the company hierarchy.
   
• New {CreditorListExt} Table Tag: We developed a new tag, {CreditorListExt}, in the Welcome Call Verification script for Forth CRM users. This tag shows detailed information about debts, including the type of debt and who owns the debt.
   
• Capture CreditReportIdentifier from CRS & Xactus360: We added this feature to allow users to capture the {{CreditReportIdentifier}} field from a credit report to keep track of reports via API and prevent duplicate pulls. NOTE: This is currently limited to Xactus360 and CRS via MCL.
   
• {FORM_BANKING} Tag in CRM Scripts: We enhanced our CRM system to ensure the secure handling of sensitive information by creating two new tags ({FORM_BANKING} and {FORM_CREDITCARD}) to collect and store detailed banking and credit card data.
   
• Limit SMS Logging to Company Token: We launched an optional setting to enable clients to restrict SMS response message logging to the company associated to the contact’s company assignment.
   
• Forth Pay Managed Payees Available in the CRM: We added a feature that allows Forth Pay managed payees to appear and populate under the “Forth Pay Managed Payee” section on the Forth CRM.
   
• Generate Package for Creditor and Package Save with Creditor Name: Clients can append the creditor name to a document template upon creation. This mirrors the current logic to include the chosen creditor and the last four digits of the account number in the title.
   
• Document Generation Required Fields Error Handling: We developed this update to allow the system to clearly indicate if users have missed any required fields before proceeding with generation or Clixsign.
   
• Fee Tags for Dynamic Debt Types: We added fee tags for dynamic debt types. Specifically used in agreements to accurately reflect the details of various fees.
   
• Role-Based Controls for Requesting Hold Release: With this update, the permission settings have been changed to include a new role permission called “Request Hold Release”. If enabled, a Request Release button will be visible on the contact dashboard and enrollment view page.
   
• Settlement Setting to Control Custom Fee Payments: We added a setting (within Settlement Settings) to control custom earned performance fee dates and amounts so that companies can turn it off for negotiators.

What's Improved (1)

• Improved Portal Domain Management:

• Assign Portal Domain Tab: This page allows users to assign portal domains to companies. It is only accessible to users from the controlling company of the account.
   
• Configure Portal Domains Page: Enhanced controls for customizing the Look & Feel subtab, including image uploads and hex code entries.
   
• Restrict Configuration: We restricted the creation and editing of system domain configurations to FORTH (PRO) account users only.
   
• Limit Domain Configurations to One Per Domain: Domain configurations will no longer exist at a company level; they will now exist at an account level.

This month's edition highlights changes focused on making your sales and servicing operations more streamlined and cost-efficient. Get ready to elevate your journey with Forth!
 

What's New (8)

• Forth Pay Consumer Language Preferences: The Forth Pay system now dispatches agreements and statements in the recipient's chosen language. Upon enrollment, it automatically selects the correct document template based on the consumer's language preference.
   
• Gmail Oauth Integration for User Email: We added support for Oauth with Google for email, allowing Google Workspace users to continue using the CRM to email contacts.
   
• One-Click Forth Pay Authorizations: We streamlined the manual submission process for Forth Pay authorization documents. We implemented a one-click solution that automatically transmits and displays the currently signed document in the Signed Contract/Gateway Authorization field.
   
• Package Splitting for Uploaded Documents: We enhanced Clixsign to handle “packaged” e-signed documents. We now allow the splitting of these documents within a document package, encoding them, and compiling them into a single payload.
   
• Custom Settlement Offer Status in Loanosity DSL: We updated the Loanosity DSL Integration that allows you to now set debts in an enrollment plan to a custom settlement offer status.
   
• Arrow Email Domain Management: We took a major step towards making our platform more secure by introducing a domain verification process. With our new Domain Management and Verification features, you now enjoy enhanced security.
   
• Authorized Access to Loans Tab via Contacts: Clients may now assign or restrict access to the Loans tab within the Contacts module. A new checkbox labeled "Loan Submissions" under the Contacts section of the Role Permissions page has been added.
   
• Custom Earned Performance Fee Schedules: Users may now customize how their Earned Performance Fees (EPFs) are scheduled and paid. We introduced “custom settlement fee scheduling” where users can customize the date and amount of payment.

What's Improved (2)

• Adding Full Payment Schedule to Authorization Forms: We updated the Forth Pay Sponsor’s authorization form to display the client’s payment schedule (Draft Schedule) on the initial debit section. This change helps ensure that the full payment schedule is displayed, thereby eliminating consumer hold issues.
   
• Detailed Forth Credit History Event Language: Forth has updated the language of Forth Credit history events to improve clarity on a user's selection. The History event now logs the correct KBA or Identity Connect language.

This month's edition highlights changes focused on making your sales and servicing operations more streamlined and cost-efficient. Get ready to elevate your journey with Forth!

What's New (9)

• Email Address for Delivery of Account Exports: This new feature allows adding an email address to be used for the delivery of an account export, in addition to the person running the request. We added a new text field titled “Send To” in the Accounts → Export Data module.
   
• "Transfer" History Log Visibility: With this new feature, "Transfer" history log entries are now visible by DSRPs. This will minimize the need for DSRPs to reach out to Forth to see if the transfer has been received.
   
• Ytel SMS and General SMS System Updates: Several features were developed to improve your experience. The first updates the workflow of Ytel SMS to identify only SMS-enabled numbers. The second allows searching SMS phone numbers via a new search input field. Central Standard Time (CST) has been installed as the default for SMS Campaign scheduling.
   
• Automated Webhooks Logged in Contact History: With this new feature, Forth CRM clients may now view all webhooks, including those automatically triggered by data sources in the Contact's History subtab. This provides a reliable audit mechanism for tracking and verifying webhook triggers.
   
• "Save as New" Data Sources with Mapped Fields: With this new feature, when duplicating a data source, the "Save as New" function now includes all mapped fields in addition to the currently copied data.
   
• Standardize Refund Check Address: With this new feature, we have worked to improve client refund check processing accuracy and efficiency. Forth standardized its client refund check inputs by updating the current text box field to multiple address fields. This change enables Forth Pay-using DRSPs to update the refund check address independently.
   
• Automated Data Source Management for Account Status Changes: With this new feature, when an account is suspended, all posts to data sources linked to that account are automatically halted. When reactivated, posts are resumed.
   
• "Account Opened Date" Field on the Ready to Settle Report: This update adds the "Account Opened" date field as a column on the "Ready to Settle" report.
   
• Settlement Voided Contact History: This update allows Forth CRM users to see comprehensive details (original settlement amount, creditor name, account number, time stamp, and user) when a settlement is voided in the contact history log.

What's Improved (3)

• Update Delinking Co-App Function to Remove Co-App Flag: With this update, when a co-applicant is successfully de-linked from a contact, they no longer appear as a co-applicant and now appear as a standard contact.
   
• Forth Credit Logging / Contact History Events: This improvement to the credit re-pull experience allows Forth Credit customers to see credit pulls in the History section of a Contact record.
   
• Template ID Column for Email Templates: This update allows viewing Template IDs directly in the Email Templates section under the E-Marketing tab. This improves the efficiency of managing and referencing email templates.

This month's edition highlights changes focused on making your sales and servicing operations more streamlined and cost-efficient. Get ready to elevate your journey with Forth!
 

What's New (12)

• Cancel Page Refund Reason and Update to Show Fees and Final Refund Amount: This new feature updates the Cancel Page and Graduate function for Forth Pay consumers. Now, the Cancellation Reason appears, and depending on the subtype picked, the disbursement fee and refund amount are updated accordingly. An error will be displayed when the DRSP saves and the amount is more than the refund amount.
   
• Automatically Generated Check Numbers: This feature installed an automated system for generating unique check numbers for Check-by-Phone / Remotely Created Checks (RCC) payments. It is now required that all DRSPs utilize the new step. When settlement offers reach the "completed" and "accepted" status with the transaction type "Check by Phone," the system auto-generates a 10-digit unique ID for each transaction.
   
• Update Edit Enrollment Plan w/Dynamic Debt Values and Update Debt Type Page: This feature enhanced our Enrollment Plan functionality by now being able to define Performance Fees and Settlement rates for System and Custom Debt Types. Second, the new "Custom" option in the "Fee Type" dropdown menu allows you to inherit fee percentages directly from the Debt Type settings for each debt.
   
• Inherit Fee/Settlement Percentages from Debt Type on Settlement Negotiator UI: This feature allows a settlement fee to be prepopulated utilizing the debt type associated with the debt enrolled in the program.
   
• Edit Descriptions for Existing API Keys: This feature introduces a Description-editing functionality for API Key records. This occurs via the "Description" field within the API Credentials Management page.
   
• Compensation Template Defaults: This feature added a notification pop-up to warn users when they switch to a plan where the previously saved comp template is unavailable. This feature will prevent users from modifying the comp template unintentionally.
   
• Alert users in Settlements Module Schedule Builder when settlement payments are pushed past 30 days: This new feature to Forth Pay enhances the Settlement Scheduler. We added the capability for the system to identify and alert the DSRP when a adjusted transaction date would extend beyond a 30-day payment interval. Upon receiving the alert, the DSRP must adjust the payment schedule.
   
• Duplicate Existing Trigger: This feature allows users to duplicate and save an existing trigger. This was enabled by creating a new "Save As New" button.
   
• Trigger ID in User Interface: This feature creates a new column on the Triggers page to display the Trigger ID number. It includes the following fields: ID, Title, Event Name, Status, and Last Run.
   
• Add "Debt Type" Column to the Not Enrolled Debts Table: This new feature allows users to view the types of debts listed in the Not Enrolled Debts table via a new "Debt Type" column.
   
• Pull Full SSN from SW API Response: With this new feature, we now capture the SSN from the Spinwheel response and store it in the SSN field for that consumer within FORTH. This provides a convenient way to securely capture the SSN without asking the consumer.
   
• Microsoft Entra/Azure Active Directory Single Sign-On Integration: With this new feature, Microsoft Azure Entra / AD is now included with our Single Sign-On (SSO) system.

What's Improved (2)

• Apply Settlement Percentage Based On Debt Type on Enrollment Details View: With this update, the Forth system allows the prepopulating of a settlement percentage based on the debt type directly from the Enrollment Details page. Each debt in the program has an associated settlement rate defined in the Settings Debt Types table. If a custom rate is not provided, the settlement rate on the enrollment plan is used.
   
• Forth Credit Updates: This improvement to the credit re-pull experience uses the Refresh User workflow available from Spinwheel. No more deleting a user and re-initiating the credit pull from scratch! The user interface was updated to include a "Refresh Credit Data" option within the credit pull dropdown menu.

This month's Release Notes email highlights changes focused on making your sales and servicing operations more streamlined and cost-efficient. Get ready to elevate your journey with Forth!

What's New (11)

• Filter Contacts by Number of Calls: This feature allows our clients to apply the “# Calls” filter directly within the CRM's List Builder module to facilitate the creation of targeted campaigns. Clients can now enable the “# Calls” field as a selectable filter in the dropdown menu under 'Available Fields'. This filter option can be specified using the conditions ‘More Than,’ ‘Less Than,’ ‘Equal To,’ and ‘Between’.
   
• Add Shared Enrollment Plans to Trigger Conditions: Previously, affiliate accounts could select multiple backend shared enrollment plans. With this feature, we added shared enrollment plans to the enrollment plan trigger conditions that now allow an account to define the conditions and ensure when a contact is submitted, it goes to a specific backend with the correct shared enrollment plan saved on file. This reduces user errors and improves process efficiency.
   
• Automate California Refund Statements: As ForthPay continues to grow through new client enrollments, the number of cancellations in California has grown exponentially. To address this, we have further automated the sending of the CA AB 1405 required refund summary statement. Forth Pay sends a specific "refund statement" to any consumer canceling in California per the AB1405. We added additional automation to this process by automatically creating the summary statement after the refund has a successful cleared date.
   
• Introduce Current Payments Field in the Contact List Builder: This new feature created a "Total Current Payments" field within the Contact List Builder “Available Fields to Display” menu. This new field replicates the data seen under Contacts > Debts > Edit Debts for the associated Contact by displaying the aggregate total current payments for enrolled debts. It provides the functionality to utilize the "Total Current Payments" field as a filter criterion.
   
• Instantly Connect with Contacts from the Search Bar: With this new feature, when you enter the exact contact ID or customer ID in the search bar on the Contacts tab and press the enter key, the system navigates directly to that contact's details page without showing a list of search results. This direct navigation streamlines the process and enhances the user experience. This feature is available on the contact list page and the contact dashboard page.
   
• Have the Credit Score Tag for Co-Applicants: This new feature allows affiliates to transmit a co-applicant credit score via Webhook. This was accomplished by creating a new Tag, {COCREDITSCORE} to populate the co-applicant credit score. This will now enable the sending of a co-applicant credit score between two internal Forth accounts. This tag is accessible through email templates, document templates, and triggers.
   
• Identify Use Patterns of Clixsign Requests: This allows the monitoring of consumers' usage patterns regarding their preference for receiving Clixsign documents, specifically whether they are being sent and signed via email or SMS. These analytics are available for review within the Clixsign Reporting module. To enable this, we modified the Clixsign URL to specify the communication channel (Email or SMS).
   
• Seamless Transition Settlements from "Accepted" to "Completed": This update automatically transitions settlement offers from "Accepted" to "Completed" status. The system will identify settlement offers that are marked as "Accepted" and were moved to Accepted status on the same day. These identified settlement offers will have their status changed to "Completed". This feature runs twice a day.
   
• Restrict "My Exports" to Specific Users: Formerly, anyone with access to view User permission "Users reports" under the Reports tab could view all exports done by all other Users. This new feature allows a company to have users only access reports they have personally exported and not those created by other users, ensuring restricted visibility. This feature is displayed via the "My Exports" tab in the Reports module.
   
• Spanish Version of Forth Pay Documents Now Available: With this feature, the Forth Pay system dispatches documents and statements in the recipient's chosen language. It automatically selects the correct document template based on the consumer's language preference. Documents available for Spanish translation through Forth Pay's Clixsign feature include: Forth Account Closure Request, Forth Bank Change Request, and Forth Amended Payment Schedule, among others.
   
• Automate Unauthorized Return Emails: This feature now automates handling unauthorized returns received from the bank. This feature focuses on automating the parsing and emailing of unauthorized return details to DRSPs. NOTE: This modification applies to Forth Pay clients only. The email includes information on unauthorized returns specific to the DRSP, such as Return Date and Consumer ID.

What's Improved (3)

• Customize and Save E-Marketing Templates with Ease: With this improvement, CRM users are no longer redirected to the email template page when saving the template they are working on. Now, you can save the e-marketing template currently being edited and stay on the edit template page.
   
• Explore Bi-Weekly and Semi-Monthly Enrollment Plans: We updated enrollment plan functionality by changing how enrollment plans can schedule payments when using a frequency of Bi-Weekly and Semi-Monthly plans. Formerly, the CRM doubled the months selected in the program length field. This update now allows plans with bi-weekly payments to have 26 payments annually vs semi-monthly having 24 annual payments.
   
• Update Release Button Logic for Efficiency: This update to the Request Release Button refines the logic governing its functionality. Specifically, the initial gateway hold timer of 24 hours no longer affects the button's accessibility. This improves accessibility and ensures smoother processing of hold releases.

API Enhancements (5)

• Log SMS via API
• Create Creditors via API
• Update to Get Bank Account Details to Identify Paying Clients via API
• Get Non-Forth Pay Contact Balance via API
• Contact Search via Secondary Assignment via API

This month's Release Notes email highlights changes focused on making your sales and servicing operations more streamlined and cost-efficient. Get ready to elevate your journey with Forth!

What's New (9)

• New Role Permission for Viewing ACH Credits: This feature updates permission settings ("View ACH Credits") to allow the viewing of ACH credit fees in the enrollment schedule plan within the CRM application, independent of the Accounting Tab access, so that I can efficiently support customers with accurate payment schedule information while maintaining restricted access to sensitive accounting data. The goal is to provide customer service representatives with the necessary data to support customer inquiries effectively; yet maintain data security by restricting access to sensitive accounting information. This feature is housed within the enrollments section of the permissions page. This permission should be enabled by default for all roles with access to the "Accounting" Tab in permissions. NOTE: This feature is gateway agnostic and only reflects what transaction types a user can see regardless of the gateway the consumer is enrolled in.
   
• New Tag to Transmit Signed Contract/Gateway Authorization via Webhook: This new feature allows clients to transfer documents via Webhook uploaded in the "Signed Contract / Gateway Authorization" section on the Contact dashboard to the "Signed Contract / Gateway Authorization" section of a specified internal Forth account. We developed a new Webhook field method to enable copying documents from the "Signed Contract / Gateway Authorization" section to the same section of a designated Forth account, as specified by the {ACCTID}-{ID} value pair using the POST HTTP method.
   
• Company Hierarchy for Servicing Submission Report: This new and easy-to-use feature allows affiliate users to view Servicing Submission reports that only include clients associated with their direct company and any sub-companies beneath it in their company hierarchy, ensuring that they access only the relevant and permissible data. With this feature, we implemented a "Filter By Company" dropdown menu on the servicing report interface. This dropdown will dynamically populate with options reflecting the organizational hierarchy, including an "All" companies option for parent company users, individual companies, and their respective sub-companies. The dropdown menu and the filtering functionalities adapt in real time to any changes in the organizational hierarchy.
   
• New Trigger Condition for Contact Form Name: This new feature provides a dropdown sequence for the "Intake Form" selection. When users select "Contact Created (Form)" or "Contact Updated (Form)" under "Event Name", they can further specify the condition under which this trigger should activate. Now you can select "Contact" and then "Intake Form" from a subsequent dropdown, with the option to set the condition to "equals", “Does Not Equals” etc. Afterward, another dropdown menu appears, listing all available intake forms related to the user's account. This will ensure that these triggers are only activated by submissions from specific intake forms.
   
• Delete Enrollment Plan Permission: This new feature allows the ability to assign specific users permission to delete enrollment plans while preserving the integrity of compensation templates during plan modifications. We created a specific role permission for the deletion of enrollment plans, maintain compensation templates when enrollment plans are modified or deleted; and now provide a clear audit trail of enrollment plan deletions. The Enrollments tab now displays a new permission checkbox labeled "Delete Enrollment Plan". Only users with this permission can remove enrollment plans on the contact record without the compensation template reverting to its default settings. Every deletion of an enrollment plan is logged in the system audit trail, capturing the date, time, user, and description of the activity.
   
• Client Balance Forecaster: With this new feature, the Forth system now includes several improved functionalities with our enhanced Forecaster feature! Key Enhancements include: Enhanced Payment Schedule Editing: Simplifies the management of payment dates and amounts through interactive views and drag-and-drop functionality; Debt Settlement Scenarios Creation: Offers simulations for potential settlement payments over time; User Interface Updates: Our Enrollments Details page now features an updated "Forecast" tab with clear visual indicators, including interactive payment schedules and warnings for negative balances. The benefits of this feature include clear warnings for potential negative balances when altering payment dates ; a more streamlined payment management process allowing for bulk updates and balance forecasting ; and support for managing multiple debt settlements with ease, reducing manual calculation efforts.
   
• Send Clixsign Docs/Packages Via Trigger Through SMS: With this feature, we have created the capability to send Clixsign documents and document packages via triggers to support sending and receiving. We have updated the actions to contain options for “Generate and Send Package to Clixsign via SMS” and “Generate and Send Document to Clixsign via SMS”. One of the new triggers will generate and send a document package via SMS. The second new trigger will generate and send an individual document via SMS. The user must have the option to select the To number where a number from the contact is specified and the “From Number” where numbers for the account are listed to be used. Users of this feature may specify primary and secondary signers, in addition to the message (SMS template) that gets sent. Benefits include introducing the ability to send Clixsign documents/packages via SMS, providing a more direct method for delivery, and streamlining the process of sending contracts. NOTE: Using this depends on clients having a valid SMS integration (Twilio/Ytel).
   
• Forth Credit 1.1: This feature includes several large updates to Forth Credit (powered by Spinwheel).

• Pull Debts upon Receipt of “Completed” Status Webhook: We created a webhook to use Forth Credit's notifications to capture when liability/debt data and the PDF are available via API. When notification is complete, the system initiates a GET user event for liabilities, and PDF data, upon receipt of the "Completed" status.
   
• Allow Sending Co-App Credit Request: Adds co-applicant credit pull support from the main applicant’s contact dashboard. Now, users can complete a co-applicant credit pull after a main applicant credit pull.
   
• Company Access Controls for Forth Credit: Enables users to modify company access and other settings in the account related to Forth Credit. We added a page for Forth Credit to "Integration Settings".
   
• Add Credit Score and Monthly Payment Information: Displays credit score and monthly payment information from Forth Credit onto the top right of the “Debts” subtab.
   
• Credit Utilization Field: Displays credit utilization rates, allowing users to track credit utilization within the CRM.
   
• Update Identity Connect and Debt Connect Flows: Allows easier consumer verification to perform credit pulls via buttons titled “FORTH Credit Identity Verification” and "FORTH Credit KBA Verification".
   
• Pull Forth Credit via API: Adds the ability to initiate the FORTH Credit request via API.
   
• Add Credit Repull Capabilities: Allows credit re-pulls via Forth Credit by using the DELETE function. Now, debts are updated according to creditor account number or debt account number.
   
• Copy Co-Applicant Debt Data to Main Applicant: Allows users to enable a setting that copies debts and the PDF document pulled in Forth Credit for a co-applicant to be copied to a main applicant.
   
• Mapping to Debt Custom Fields: This enables the credit parsing tool to support mapping to custom debt fields in the CRM to a data point returned on a credit report.
   
• Update Tags: We upgraded the {CREDIT_SCOREFACTORS} and {CREDIT_UTILIZATION} tags to work with the Forth Credit integration.

• Greater than Balance Refund Protection: With this update, we now protect you from the risk of refunds causing overdrawn accounts. The system now prevents the transaction from being created until the refund amount matches or is lower than the consumer’s available balance after all applicable fees are considered. Clients can now easily see the available refund amount for consumers. If a client refund is chosen from the “Type” dropdown menu, a link titled “Dropping client click here” for the Forth Pay client will become available on the Add/Edit Payment Pop-Up page. The available amount is now listed next to the “Amount” field. Clicking “Dropping client click here” will launch a process by which you can easily cancel the client refund. NOTE: “Client Refund” has been removed from the Type dropdown menu for consumers without a balance or a negative balance. Finally, the scheduling of paper check refunds has been simplified. Now, if a user requests a client refund and the type is “check”, the disbursement fee is automatically assigned as $10.00. If the type is “check overnight” or “Check 2nd day”, the disbursement fee is automatically assigned as $25.00.

What's Improved (4)

• Allow Zero Balance Creditors with MeridianLink and Xactus360: This update improved our MeridianLink and Xactus360 integrations to further empower our clients. We enhanced these integrations' settings, giving you the option to choose whether to include zero-balance debts in your consumer's credit report. Activating these settings is simple and seamlessly incorporates any existing zero-balance debts into the consumer's credit report. NOTE: To leverage this feature, configure your credit parsing tool to allow zero-balance debts.
   
• New Creditor and Contact Address Fields in Ready to Settle Report: With this feature, users now have the "Ready to Settle" report including full address details of contact to comply with transaction data requirements. The customization interface for the "Ready to Settle" report now includes four new input fields labeled as "Street Address," "City," "State," and "Zip Code". When customizing the report view, the new fields should be visible and selectable in the 'Available Fields' section.
   
• New Forth Pay Gateway Hold Reasons: This update enhances the categorization of consumer accounts for Forth Pay customers so that we can effectively manage and communicate various account statuses. These new hold reasons will be displayed on the hold reasons dropdown tab: Graduated by DRSP, Abandoned Funds, and Escheatment. These additional hold reasons are now logged on the History subtab of the contact.
   
• Transfer Date Freeze on Account to Client Transfers: This update to the Account to Client Transfer function prevents the selection of a "Transfer Date" when scheduling a transfer. The Transfer Data is now viewable, but not editable. Users may now only select a "Recoup Date".
   

API Enhancements (4)

• Get Bank Account Details via API
• Create a Bank Account via API
• Update Bank Account via API
• Add Sponsor Account via API

This month’s Release Notes email showcases a few highlights from the exceptional efforts of our Forth Development and Quality Assurance Teams. These featured enhancements are designed to uplift your experience significantly. Get ready to elevate your journey with Forth!

What's New (8)

• Safeguard API Keys from Suspended or Deleted Users: This new feature denys API key issuance, or any API Requests, of a suspended or deleted user. It ensures that API keys are not generated for these past users using their client_secret and client_id credentials, and blocks API access attempts using keys associated with suspended or deleted user accounts at all Forth CRM API endpoints. This policy update affects all authorization requests to the Forth CRM API. When API Key generation is prevented by user status, an error code of "401" and an error message (Unauthorized access. Invalid credentials or user suspended or deleted) appears.
   
• API Permission Setting for Updating Advance Submission Status: This feature adds an API Permission Settings for Updating Advance Submission Status. This adds a setting to control acess by providing a checkbox for the "Update Submission Status (PUT)" endpoint, titled "Update Advance Submission Status".
   
• Manually Assign Task Groups Using New Trigger System: This new feature allows a user to create a group of tasks from the 'Assign Task' trigger within the automation interface so that one can efficiently manage and assign multiple tasks at the same time, enhancing productivity and ensuring consistency in task management. When 'Assign Task' is selected, a new "Assign Task Group" drop-down appears under "Setup Action(s)". This new dropdown menu is automatically populated with the list of tasks from Calendar > Tasks > Task Items. Users may select multiple tasks using checkboxes from the "Assign Task Group" dropdown menu and set attributes such as "Assigned To" and "Due Date (days)" for each task. This enables the creation of task groups from predefined tasks in Calendar > Tasks > Task Items and improves workflow automation by allowing batch task creation and assignment.
   
• SERIS SSN Duplicate and Blacklist Check: Exclusively available to consumers and DRSPs enrolling with Forth Pay, the Submission and Enrollment Record Interception System (SERIS), works in real time to enhance record quality and ensure accurate data relationships during enrollment. SERIS identifies and blocks multiple enrollment attempts associated with the same Social Security Numbers within each CRM account, ensuring the integrity of our enrollment process. In addition, our proprietary technology checks incoming consumer enrollment data (i.e., a Blacklist check) to make sure they are neither included on our internal blocked SSN list nor duplicated.
   
• Block ACH Debits of $20K or More: With this new feature, Forth can now prevent the scheduling and processing of consumer ACH debits of $20,000 or more through enrollment or one-time payment, to allow control over transaction amounts and compliance with our operational guidelines. This prevents large ACH debit transactions from being scheduled on the CRM and will uphold CRM financial constraints by displaying an error message whenever a user attempts to initiate a debit transaction of $20,000 or more. The error message should read "Error: This amount exceeds the Forth Pay limit of $20,000.00 per debit. Adjust the amount or have the consumer schedule a bank wire or ACH Credit to deposit funds with Forth Pay". NOTE: This modification applies to users processing with the Forth Pay CRM.
   
• Simplifying Updating Enrollment Plans within Clients: This new feature provides an update to our system that simplifies your workload and creates efficiency! Formerly, to obtain the correct calculations of an enrollment plan, the plans needed to be deleted and resaved if an update needed to be made. Now, from within the Enrollment Plan, you can make the changes you need, click “Save Enrollment Plan” in the Navigation Bar, and that is it - nice and easy!
   
• Document Generation System: This new feature includes several large updates to the Document Generation system within the Forth system.

• Redesigned Document and Clixsign Generation Experience: Say goodbye to the days of cumbersome navigating through multiple screens. With just a few clicks on one page, you can now effortlessly generate documents, assign signers and delivery settings, and send your documents for signature via Clixsign, saving you valuable time and energy that would be better spent on growing your business!
   
• Unlock the Power of Multiple Signers: In the past, document packages were limited when sending PDF-based files for signature. Additionally, HTML-based documents only supported two (2) signers, making it challenging to combine HTML and PDF files within a single package intended for multiple signers. To address this, we expanded support for up to nine (9) signers, allowing HTML-based and PDF-based documents to use additional signers, going beyond just the applicant and co-applicant!
   
• Updated Clixsign Settings Page: We redesigned the Clixsign Settings Page to simplify administration for all companies within your account using Clixsign while refining the user experience. Furthermore, the "Company Access" section (accessed by clicking “Company Access” on the left-hand side menu) has been optimized to provide better control and give you the ability to enable Clixsign functionality for specific companies within your account.
   
• Enhanced Settlement Scheduler: We added the ability to generate settlement and debt-specific documents, and then send Clixsign documents through the settlement offers page. This is accomplished by having Clixsign/document generation as part of the settlement scheduler user interface, and by pre-populating creditor-specific fields based on the settlement offer/debt that a user is looking at that moment. This was developed to help facilitate better communication/interaction with creditors, prevent needless navigation, and further expand our settlement scheduler's capabilities.
   
• Using Doc Gen with Advances: We added the ability for CTX users to use the new Doc Gen modal when on an individual Advance, instead of using the old Doc Gen process. This model will now be accessible while working on an individual advance. When generating a document on the advances tab for a given advance the new document generation modal will launch in place of the old document generation process. Using the document generation modal on this page will still allow advance-specific tags to be chosen by selecting the advance before generation. The advance the user is editing should be pre-selected in the advance dropdown option for generating advance-specific document templates.

• Poverty Guidelines for 2024: With this update, we updated the Poverty Guidelines of 2024 within the Forth system. These guidelines can be found here: https://www.federalregister.gov/documents/2024/01/17/2024-00796/annual-update-of-the-hhs-poverty-guidelines.

What's Improved (5)

• Payment Field in Loanosity Integration: This feature updates the "Payment" field within the Loanosity Integration to allow Loanosity to obtain improved visibility of the most recent cleared payment for the consumer. This will enhance understanding and management of the payment streams. Specifically, it modifies the existing functionality of the Loanosity API to transmit the consumer's most recent cleared payment. The 'payment' field within the 'settlement' object of the Pre-Approval Application message and Final Approval Application message will now contain the dollar amount of the consumer's latest cleared debit transaction.
   
• MAVIS Approval to Include Affiliate Account Signings: The MAVIS (Machine Assisted Verification & Identification System) approval process will now autonomously approve Forth Pay authorization documents signed within an affiliate account. Affiliates play a crucial role in managing the initial stages of some consumer enrollments before submitting comprehensive consumer files to DRSPs. Formerly, affiliate accounts had contacts sign a Forth Pay Authorization within their own CRM, then post that contact along with the signed Authorization to the servicing company, who then uploaded the Authorization and enrolled the file. Upon enrollment, Mavis was declining the application for "Incorrect Contact" and the authorization then needed to be reviewed manually. Now, MAVIS can approve the application signed in the affiliate account and release the hold without needing a manual review. This streamlines operations and minimizes document rejections due to data mismatch, ensuring a smoother enrollment process for affiliates and DRSPs.
   
• Factor ACH Client Debts into Your Monthly Draft Calculations: This feature lets you factor in existing ACH Client Debits when editing enrollment plans. This means monthly drafts will be even more accurate, seamlessly reflecting your client's contributions. This feature lets you toggle the factoring in existing debit contributions on an individual contact level. Plus, for added transparency, you can now see the Payment Count, providing a comprehensive overview of the total number of payments when the "Factor existing debit contribution" feature is activated. Once the setting has been made, go to the "Program Snapshot" section under Payment Schedule where you will find a user-friendly checkbox to enable or disable the option. The field automatically populates with the total sum of cleared ACH client debits in currency format and the total number of client debit payments made towards the plan. When enabled, the system updates the payment schedule in real time, recalculating the monthly draft amount to ensure the total contribution, including existing debits, equals the specified total. NOTE: This feature is set to the “off” position by default.
   
• Beyond Webhook Integration: This feature modified the Forth CRM to accommodate the updated Beyond Finance API and updated its Webhook integration in the Forth CRM application to map "Customer Id" to the "affiliate_lead_id" field. This update was necessary to align with Beyond's API changes and ensure accurate data validation and error handling when triggering Beyond Webhooks.
   
• Monevo Loan API Mapping Updates: With this update, the Forth system may now take of advantage of changes that Monevo is making to some elements of their field names on the API. These changes are needed to maintain the pre-population of fields from the CRM. The goal is to maintain consistency with the Monevo API to support a seamless experience for the end user. Field values are not changing as part of this update only the field names.

This month’s Release Notes are focused on the great work performed by our Forth Development and Quality Assurance Teams to enhance your user journey. Get ready to elevate your CRM Experience with Forth!

What's New (9)

• Auto Payment Advance Start Date Picker: For Centrex Business Finance accounts, this new feature adds a calendar input next to the ACH on/off toggle, allowing users to set a “Start Date” for the ACH/CC payments. If the input is left empty, the behavior will stay as it currently exists, if a date is entered into the textbox, the system that creates daily payments will check if the current date is greater than or equal to the selector date. If yes, proceed with the creation of a payment.
   
• Mass Debt Uploader for CRM Users: This new feature provides super admins with the ability to mass import debits via formatted CSV into the CRM via the existing ACH debit uploader modal, available to Centrex Business Finance accounts. We created a new role permission under the “Advances” section called “Import ACH Debits”, and tied the “Import ACH Debits” button in the Advances tab menu to the new permission. If the user has this permission and clicks the “Import ACH Debits” button, the ACH Debit importer tool appears.
    
• Adjust Settlement Payments to Direct Pay for Other Gateways: This new feature provides users the capability to input detailed payee information directly within the "Edit Payment" window for settlement payment transactions when the payment method is switched to DirectPay. When DirectPay is selected as the payment method within the Edit Payment Window, the system now displays the appropriate required fields for detailed creditor information associated with the CFT Gateway, GCS Gateway as well as the Forth Custodial Gateway.
    
• Update Debt Types via the Credit Report Parsing Tool: This new feature creates a read-only API endpoint that enables them to retrieve a list of all debt types. This allows users to accurately reference debt types by ID within the credit parsing tool, ensuring data consistency and facilitating easier updates to debt information. This provides a reliable and efficient means of accessing debt type information and simplifies the update process within the credit parsing tool by streamlining the process of updating debt types using debt type IDs.
   
• Allow CX_SUMMONS Tag to Pass via Webhook: With this new feature, we enabled a CX_SUMMONS tag (the summons tag for creditors) to be usable on webhooks and data sources. We added the {CX_SUMMONS} tag as a field (named "credx_summons") that can be passed via webhook from one FORTH system to another or outside the CRM. This both enables broader capability with the webhooks functionality; and allows customers to increase the number of debt fields they pass via webhooks. The Yes or No passed in this fashion will update or add the debt with the summons and judgment field selected based on the value passed. This would mark the debt as a legal debt as a result of the value passed. On the webhooks page, an example mapping would be cred1_summons={C1_SUMMONS}.
   
• Add Clixsign as an Available Email Template Category: With this new feature, we have enabled the selection of "Clixsign" as an available email template category. This update allows users to easily select the appropriate email template for "Clixsign" requests by creating a dedicated "Clixsign" category in the template selection dropdown menu. This streamlines the email template selection process for "Clixsign" requests and creates a logical and easily accessible category for "Clixsign" email templates.
   
• Bluerock Call Logs Posted to Main Applicant Only: This new feature for clients using Bluerock phone systems and Forth CRM, allows for incoming call logs to be uniformly assigned to the primary applicant's Contact record when a phone number is shared between a primary applicant and co-applicant. It modifies existing system logic to ensure that when a shared phone number provided by Bluerock is identified for both a primary applicant and a co-applicant, the call log is systematically posted to the primary applicant's Contact ID. For two primary applicants sharing a phone number and/or for two co-applicants sharing a phone number, pre-existing logic will be applied.
   
• Update Veritas API with the Client ID Field: With this update to the Veritas Integration API, a field was added a field in their software to allow for their affiliates' client IDs to populate, to improve reporting. This update establishes a data mapping from the CONTACTS.CUSTOMERID to the “customerId” field within the Veritas API, and then transmits the Customer ID data element in the “customerId” field as part of the standard Veritas API payload. This feature will augment Veritas' internal reporting capabilities by integrating client data from affiliates.
   
• Tag for "Mailer Campaign Source": With this new feature, clients can now incorporate Campaign Source data into their consumer communications through the use of the newly created {CAMPAIGN_SOURCE} tag. This new tag will fetch the CAMPAIGN_SOURCES.TITLE data associated with the Contact's CONTACTS.CAMPAIGN_ID. Previous to this, there was no mechanism to embed this data into CRM-derived email, document templates, etc. using Tags. The new tag can be embedded and used by Email templates, Document templates, Triggers, and Webhooks. The use of this feature assumes that the contact is associated with a Campaign and that the Campaign has an associated Campaign Source.

What's Improved (2)

• Standardize Gateway Pause Behavior: This new feature introduces an update for our clients who use multiple gateways. This update standardizes how contacts that are paused behave in the Forth CRM, regardless of the gateway, ensuring a seamless experience. In optimizing the pause process for clients using multiple gateways, we refined how we handle API calls, transaction halts, manual payment cancellations, and skipped transactions, all with a focus on providing a smooth and consistent experience. Additionally, our update ensures that settlement payments are processed only when sufficient funds are available in your Escrow account. This smart feature prevents payments from being processed when there are insufficient funds. Finally, all actions related to the pause process are now meticulously logged in your client dashboard history and the system activity log. This means you can easily track and communicate any actions initiated during the pause. The enrollment label has also been improved to now provide a clear indication of the action taken, facilitating easy identification and understanding of the pause-related activities. This update does not affect existing transactions that are currently being processed.
   
• Improved String Search Filtered Capability: With this update, we are introducing enhanced filtering capabilities that allow you to apply multiple filters of the same field and adopt OR logic when needed. We have updated the list builder functionality to allow multiple of the same filters to be saved and when saved inherit OR type conditions. This logic works for all field types (multiple choice, multiple select, text, etc.). In addition, multiples of the same field filters can be for a contact list.

What's New (6)

Credit Card Data Displaying on the Advance Page

This new feature addresses credit card data displayed on the Advance page. Merchant Cash Advances typically “re-pay” with ACH payments, which is the way 99% of Centrex Business Account users use the system, however, certain clients, collect “re-payments” via credit card transactions. For those accounts, CC payments are created daily by the system and processed like any other card payment. Formerly, the user needed to navigate back to the contact record to fill in the credit card form. We added a view for this under the “Funding Info” tab. modules/advances/view-funding.php. This should toggle on/off based on the “Repayment Method” selection.

Ytel Phone System Updates

Ytel to Get Contacts with Tasks in “X” Status

This new feature adds the ability to filter tasks on the task reports by contact status in addition to the other filters on the page. It adds "Contact Status" as a contact company filter to the query on the task reports page, which will enable further reporting and workflow capabilities with our task page
https://login.forthcrm.com/index.php?module=stats&page=task. It now displays as a multi-select dropdown option sorted by the file types enabled on the account and then the stage/status within that file type.

Ytel User Role

This new feature supports our mutual clients with Ytel and standardizes the Ytel setup process by providing a standardized user role with all permissions enabled they need to perform their setup activities using both FORTH CRM and the Ytel platform. This new Ytel user role will not be a billed user role nor will contacts with this user role be able to be logged into from a super admin/admin user from the edit user page in the CRM.

Settlement Voided Reason Reporting

This new feature provides settlement voided reason reporting within the settlement settings user interface. Previously, when voiding a settlement there was no option to provide a reason as to why the settlement has voided. Adding this ability allows additional reports to be created based on the reason why a settlement was voided. This enables broader reporting around settlements and enables the ability to customize voided reasons for the settlement.

Clixsign Documents to be Copied via Webhook

This new feature allows a user to transmit completed Clixsign documents via the tags system/webhooks from an affiliate to a backend, and have the underlying files copy between accounts. We added a new tag {CLIXSIGN_DOC_IDS}, which is a comma-separated list of document IDs to be transmitted, eg: {1538896, 1538892}. The system will now recognize these IDs and copy the completed Clixsign PDFs from the webhook origin account to the destination account. The PDFs will show up under the uploaded docs tab. No Clixsign metadata will be transferred in this process and only a PDF(s) will be received. The selected document will then be accessible in the destination account on the uploaded docs tab.

What's Improved (2)

Cancellation Page Refunds Bypass Gateway Hold

We made a crucial update to our system that enhances the security and efficiency of refund processing for consumers. In our continuous efforts to provide you with the best service, we have identified and addressed a potential loophole in the refund process. Specifically, we implemented a solution to prevent non-approved refunds from being processed when a consumer is on a Forth Pay Gateway Hold. Benefits include:

• Enhanced Gateway Hold Security: Refunds for consumers on a Gateway Hold will only be processed after hold requirements are met and released.
• Exclusion from NACHA Batch Process: Client refund transactions designated as "ACH Credit" will no longer be picked up by the daily batch process when the Hold Reason is "Banking Information Changed."
• Improved Process for Dropped Client Refunds: If a consumer is on a process hold of "Banking Information Changed" and the client is dropped by the DRSP, the hold reason will not change until a Forth Pay agent reviews the consumer authorization and updates the hold to "Dropped by DRSP." This ensures a seamless process for client refunds.

CRM Controls for Return Codes

This update adds four ACH Client Debit Return codes for consumers on a gateway hold for Invalid Bank Accounts and Returned Payment Holds. The initial piece of this update involves the following two return codes:

• R15 (Beneficiary / Account Holder Deceased)
• R20 (Non-Transaction Account)

Previously, Forth Pay put the consumer on gateway hold with “Invalid Bank Account” for the following ACH Client Debit Return from the bank: 'R02', 'R03', 'R04', or 'R16'. With these updates, R15 and R20 return codes will now place the consumer’s account on hold with the reason - Invalid Bank.

The second portion of this update involves the following two return codes:

• R08 (Payment Stopped)
• R09 (Uncollected Funds)

Previously, Forth Pay put the consumer on gateway hold with “Returned Payments Hold” for when consecutive ACH Client Debit Returned as 'R01'. With this update, the system will place the consumer on hold after three consecutive attempts with the same code or a combination of these codes, with the reason - Returned Payments Hold. To make this transition smoother, we ask DRSPs to familiarize themselves with these specific return codes mentioned above that place their consumers into the Hold status.

API Updates (3)

Paginated Contact List via API

This new feature introduced a new contact lists endpoint that supports the ability to retrieve a paginated list of contacts from the FORTH system. Specifically, this feature enables 3rd party systems to pull list data in a paginated format, which enables further automation capabilities for clients who wish to build more of their processes on top of the FORTH API. This new endpoint will be limited to 100 contacts returning at a single time. This feature also applies to the CTX API.

API User Selection Dropdown

This update allows users to see the service user's information for context when generating API keys for them on the REST API page in the Admin tab. In other words, it allows the user to know which user ID credentials are being generated. This feature modifies the “Select a User” dropdown on the REST API admin page to show additional information. The same information is shown for both service and standard users, and the use of the feature assumes the client has the Forth CRM API addon enabled and has access to the REST API page.

Settlement Offers for a Contact via API

This feature allows the CRM user to retrieve all settlement offers associated with a contact based on a specific Debt ID. This simplifies the process of accessing settlement offers for a contact. When a valid Debt ID is provided, the system now returns all associated settlement offers. and enhance API integration efficiency by reducing the dependency on pre-known offer IDs. Enhancing this aspect of the CRM system should significantly improve user satisfaction as well as system efficiency.

What's New (6)

User Interface to Control Client Refund Type

This new feature provides an easier and cleaner user experience over Client Refund Types. Now, you no longer have to scroll through options to select a refund subtype that applies to you. The Client Refund Subtype dropdown menu will now ONLY offer the refund payment options configured for your client.

NOTE: This update only impacts clients that utilize Forth Pay and does not affect any other gateways.

The following client refund transaction subtypes (which now default to “ACH Credit”) are available:

• ACH Credit

• Bank Wire

• Check

• Check 2nd Day

• Check Overnight

Replace Debts After Credit Pull

This new feature controls system behavior around debt handling after credit is pulled to merge or delete existing debt information. You will now find a brand-new Credit Pulls section on the Debt Settings page, accessible via the Admin tab. When you activate the checkbox provided in this section, your system will automatically eliminate outdated contact debt data and replace it with the most current information from credit reports, but only for new unenrolled contacts.

We also updated our credit pull process to account for this new setting (which is turned off by default). If enabled, the system checks that the contact has no enrollment date. If there is no enrollment date, the system deletes all debt information and re-inserts data from the credit report.

Finally, we rebranded the Add/Edit Debt Status permission to Modify Debt Settings.

NOTE: This feature is designed for contacts who have never been enrolled in a debt settlement program and requires that credit is pulled through Forth CRM using one of our credit pull integration providers.

Forth DataHub

Introducing Forth DataHub, the ultimate tool to enhance your data exploration within the Forth ecosystem. Developed in partnership with Secoda, Forth DataHub is your AI-powered companion to the Forth Managed Data Cloud (MDC), tailored towards efficient documentation, cataloging, and seamless data object discovery.

DataHub empowers you to delve deeper into the core system objects, such as contacts, debts, offers, transactions, and more. With its user-friendly interface, you can easily navigate tables, common queries, frequently asked questions and other valuable resources. We also removed the old Entity Relationship Diagram (ERD) as DataHub provides a more intuitive, comprehensive, and powerful solution.

Benefits of Forth DataHub include gaining insights into the structure of key system objects required to build performance reporting; easily searching and referencing data objects including all metadata and object properties; and with a large collection of frequently asked questions, saving you from the hassle of opening tickets and searching the list in case the community has already answered your query.

Allow DRSP to Process Refunds for Dropped Forth Pay Clients

Traditionally, you have been required to contact Forth Pay if you need to reverse fees or process a refund to a consumer after cancellation. Never again!

We developed a solution to this challenge that provides greater control over refund processing. We introduced the capability to schedule advances and refunds yourself for a dropped or canceled Forth Pay client. This feature speeds up refund processing time and reduces the need for re-enrollment or Forth Pay intervention.

With this solution, you may initiate these refunds only when a client has been canceled from the program, you can only schedule client refunds and no other transaction types, and you can only schedule ACH Credit refunds to the account on record, nor do you have the ability to update the banking information before scheduling a client refund.

Processing a Refund Payment for Dropped Clients starts with selecting a Canceled client via the Enrollments Tab, and selecting “Refund Payment” (see red highlight in the image below).

NOTE: This update only applies to Forth Pay Clients using the Forth CRM who have dropped from the program and have an Account Closure & Balance Refund Request Form in place.

In addition, these pre-approved client refund options are readily available via a Sub-Type dropdown menu on the Transactions page.

Loanosity DSL Updates

Several improvements were made to the Loanosity DSL Integration. These include:

Transmit Gateway Information - This update to the Loanosity DSL integration significantly expands the eligibility of consumers that can be submitted via the integration. We revamped the mappings page for the Loanosity DSL integration, introducing a dedicated section for payment gateway settings. There are now mappings for the following payment gateways: FORTH Pay, RAM, CFT Pay, and GCS. This new feature is designed to allow DRSPs to submit contacts that are enrolled in the gateways that are supported by Loanosity, where previously, only FORTH Pay Gateway contacts were able to be submitted to Loanosity DSL via the integration. Each payment gateway section now includes mappings for key fields associated with FORTH Pay, RAM, CFT Pay, and GCS. These fields are Routing Number, Account Number, and Dedicated Account Number

Sending Payment Frequency - We updated the integration to send the payment frequency of the program to Loanosity DSL as part of the enrollment process. This will be done by sending payment frequency saved on the enrollment plan.

Add Settled Balances - We added the settled account balances (not the calculated balances) of enrolled debts to the API transmission between FORTH and Loanosity DSL

Add Client Savings) - We updated the Loanosity DSL integration to include the client escrow account balance that is currently saved in the API transmissions/requests that get sent to Loanosity.

Settlement Offer Tags via Webhooks

Formerly, when DSRPs attempted to webhook settlement offer details and map it to the client's notes, the information came over as the tags. This new feature updates the "Settlement Status Change" event trigger to support the transmission of fully rendered settlement offer details into a readable text format via webhook which can be used to update affiliate accounts of the offer details.

Upon any settlement status change, the system now initiates the webhook in which the system now transmits settlement offer details where placeholder tags are replaced with actual client data.

This feature streamlines the communication of settlement offer details between the CRM system and external affiliates or integrated systems; reduces data processing requirements for recipients by ensuring webhooks transmit fully rendered information; and enhances data accuracy and efficiency in updates communicated through webhooks.

What's Improved (6)

Push Estimated / Requested Loan Amount with the New Credit America (NCA) Integration

With this update, the NCA integration now includes a mappings page in the integration settings to map the EstimatedLoanAmount field in the NCA API to a CRM custom field. The estimated loan amount value is then transmitted based on the custom field it is mapped to. This lets a customer map their internal value for the estimated loan amount. Ultimately this allows the NCA integration to include the estimated loan amount value in the application request that is sent. When transmitting the EstimatedLoanAmount field to NCA it sends in the correct format (any price/dollar fields are converted to numeric).

New Source for Revolving Credit Limit in Xactus360

This improvement (available for all Xactus 360 customers) updates a specific field related to the revolving credit limit in the XML received from Xactus360. This changes the mapping for this field from the PORTCBL field to the RevolvingCreditLineUsed field attribute for the revolving credit limit mapping. This new value will be expressed as a percentage in the score models section of the Contact Dashboard.

Note: No previous customers will be updated as part of this change, only new credit pulls going forward.

Email Lender Submission with Multiple "To" Addresses

For Centrex Business Finance Accounts - Until now, when you submitted an advance via email to a lender that had multiple submission contacts, the system sent separate emails to the contacts. With this update, the system now sends a single email, so multiple representatives at the lender organization can view and respond to submissions in the same email thread.

Move Process Date and Process Next Business Day with Supervest

For Centrex Business Finance Accounts that use Supervest, we are moving transactions to the next business day and also processing transactions one day in advance. This change updates a transaction’s process date that is being created for Supervest from today to the next business day. In addition, it updates the back-end logic for processing transactions to process transactions from today to the next business day.

Add SAVE Plan for Student Loan Accounts

With this update, Forth now offers the “Saving on a Valuable Education (SAVE) plan for student loan accounts. The SAVE Plan is the newest income-driven repayment (IDR) plan offered by the U.S. Department of Education. This plan will replace the existing “Revised Pay As You Earn" (REPAYE) Plan. We updated the “Retrieve Loans and Programs” page of the system to add SAVE as a new student loan repayment plan option within Forth’s student loan calculator.

In addition, a modification was made to our Student Loan Calculator in the background to account for updated poverty line percentage values used in the SAVE plan (compared to the existing REPAYE plan).

API Updates (1)

Pausing a Contact via API

This new feature adds the ability to pause a client via the API which would pause all payments from being initiated from that client. We created a new endpoint to update a contact to the ‘paused’ state in the system. When a contact is paused in this fashion their payments will not process just as if they were paused manually via UI and the UI will reflect the paused state. Contacts may also be un-paused at the UI when paused from the API.

What's New (1)

Allow Clixsign Requests to be sent to Linked Sponsor Contacts

This new feature allows the sending of Clixsign requests to a linked sponsor contact from the original contact account so that the linked sponsor can collaborate with the contact they are sponsoring and electronically sign on important documents. "Sponsor" has been added as a signer type (allowing users to select it for any assigned signer slot (1-9)), available in the dropdown menu option. In addition, the system now pre-populates the sponsor's information, i.e., Name and Email from the program sponsor field when selected from the dropdown. Such Clixsign documents are now displayed on both the original contact and the sponsor’s contact dashboard. This new feature was released to enhance collaboration and document management within the CRM application, as well as to streamline and improve the signing process by requesting signatures from sponsor contacts and improving workflow efficiency.

What's Improved (5)

Creditor Selection for SMS

This update facilitates the use of individual creditor information with the SMS feature. With this update, the Forth system allows the pre-filling of a designated creditor’s information using creditor-specific tags for SMS templates. This enables broader capabilities with our SMS feature and allows us to send specific creditor/settlement-related updates to the customer.

We added a new dropdown menu option within the ‘SMS’ subtab of the contact dashboard (accessible via the Contacts tab) to select a creditor (see the image below).

You may type in a creditor’s name and the option will auto-fill (see left below) or use the dropdown to make your selection (see right side of the image below). This new dropdown organizes the options as enrolled creditors listed at the top and unenrolled creditors after that for easier searching, and each listing includes the creditor name followed by the Creditor ID.

When a creditor is selected, any template that gets loaded from this point forward and contains the correct tags will populate that creditor’s information.

Lastly, making a creditor selection within this new process now appears in the History / SMS log.

Settlement Rebalance after Reversal Transaction

This new feature enhances Forth Pay accuracy in rebalancing settlements following Unauthorized Return/Reversal transactions. In addition, we noticed that settlement payment transactions remained in a Pending status instead of being updated to Low Balance if and when the Unauthorized Return caused a consumer's dedicated account to have insufficient funds for the said transaction(s). This refinement ensures that settlement payments are correctly matched on the Decisions page, avoiding accidental payments when funds within Forth Pay are insufficient.

The changes included backend coding and script updates, updates to existing queries to extend how far back we search for pending settlement transactions, and a new automatic trigger of a low balance payment to be visible in a settlement transaction.

Update CFT Integration to Retrieve Client Escalations

This new feature offers a real-time view of CFTPay escalation reasons directly from the Forth CRM dashboard, This requirement outlines the integration of the escalations API with CFT based on the provided API documentation. The aim is to efficiently retrieve and store escalation details and subsequently display these details on specific pages of the platform, including the Enrollment Details page and the Client Dashboard, to make informed decisions and act accordingly without switching between platforms.

Required Address Entry for Settlement Payments via Check

We performed an update to our system that streamlines your settlement payment process. With this update, the Forth system displays the mandatory address fields (address 1, city, state, and zip code) in the payment information section when the user selects a check, check overnight, or check 2nd day as the settlement payment method.

If any mandatory address fields (indicated via asterisk) are left incomplete, the system will prevent the settlement offer from being saved and will display an error, highlighting the field(s) that need attention.

To rectify this, the field in question will be highlighted with an exclamation mark indicating that it is necessary to fill in the field. When all mandatory address fields are filled out, the settlement offer will be saved with the entered address information. The system saves the now-completed address information with the settlement offer data for future reference and reporting purposes.

Benefits of this update include the elimination of the hassle of settlement payment checks being returned due to incomplete or missing address information, the accurate and timely receipt of settlement payments (boosting client satisfaction and trust), and the improvement of the efficiency and accuracy of the settlement payment process.

Update CREDITSCORE tag to Work with Xactus360

With this new feature, the Forth system has been updated to allow the {CREDITSCORE} tag used to render the credit score saved on a credit pull from the Xactus360 integration. This update enables proper tagging functionality to allow clients to populate the credit score on document, email, or SMS templates. If multiple scores are present, the highest score will be chosen.

API Updates (4)

Publish Contact Lists Endpoint

This new feature adds the ability to pull contact lists from the system. We published our lists endpoint so that clients can export a list of contacts by list ID and get the contacts they need for their relevant campaign. This enables the contact lists endpoint to be visible on the FORTH API documentation and enables service-type users to interact with this endpoint.

Multiple Schedules for a Specific Settlement Offer via API

This update was made as part of an overall Marketing Automation Project for our clients to help drive value.

This feature allows the retrieval of the Amortization Schedule, Settlement Schedule, and EPF Schedule for a specific settlement offer through the {{settlement_offers/{id}}} endpoint. This enhancement will provide a more comprehensive view of each settlement offer. This feature enhances the current endpoint to return additional schedule information for each settlement offer and improves the efficiency of our backend system by combining two endpoints into one. When a GET request is made, the server should respond with the appropriate schedules.

Modify, Create, and Update Debt API Endpoints to Accept ECOA Values

This feature allows the passing of standardized ECOA codes to the Forth CRM API to create and update debts in the CRM. This modification to the “Create Debt Record” and the “Update Debt Record” endpoints will allow users to standardize the passing of fields between systems and reconcile and sync data between them. In addition, this feature will accept ECOA standardized values for debt ownership (i.e. Who’s Debt), as well as be able to create and update debts with the ECOA values.

Add Permissions for Service Users Accessing API Endpoints

This new feature is another enhancement to your API management experience! This enhancement gives you granular control over which API endpoints your automations and integrations can access. These capabilities enable you to apply security best practices and limit how much data can be accessed by a specific party. This allows you to restrict access to API keys generated using various credentials sets, limiting what third parties using those keys have access to and further enhancing CRM security. In other words, you can control who can access what on the API. Benefits of this feature include the broadening of security capabilities around your API, restricting API keys to certain endpoints, and improving overall governance of API access by CRM users and administrators.

NOTE: This feature is available only for service user API keys

A dropdown menu can now select those credentials generated and tied to a service user. The listing of available API endpoints is grouped by their object type (advances, authorizations, calls, etc.), with checkboxes available to allow or block access (see example page below).

When an endpoint is enabled for a particular credential set, external services using that credential set may interact with the chosen endpoint. When disabled, the system returns an Invalid Access error, indicating that those credentials do not have proper access.

This month’s Release Notes are focused on the great work performed by our Forth Development and Quality Assurance Teams to enhance your user journey. Get ready to elevate your CRM Experience with Forth!

What's New (6)

Let Forth Take Care of Your Compensation Templates

This new optional feature offers a simplification of the management of compensation templates, including creation and design, by FORTH agents. Leave your comp templates in our hands and prevent client users from accidentally editing or deleting them. This feature has been released as a disabled add-on, so if you prefer to manage your compensation templates as you have been, you can!

Create Deliverability Windows for SMS

This new feature provides the ability to set delivery windows for a user's SMS campaigns. This will allow the user to further customize when the SMS campaigns are sent and then define a delivery deadline. This will help ensure company compliance with industry-standard rules around communication. In addition, this will better enable clients to control the messaging and when those messages can be delivered and prevent situations where DSRP consumers get notified after hours.

Interface to Update Policy Group for GCS Contacts

This new feature provides the user the ability to change the selected GCS policy group in a post-enrollment capacity. On the enrollment details screen, a new dropdown option has been added titled "GCS Policy Group". From this dropdown, the user would select from all available policy groups that are tied to the credentials saved for the company the user/contact is assigned to. When selecting a new policy group; the policy group that Forth uses locally with that contact is updated.

Enhanced Password Requirements

With this new feature, admins can facilitate their users to maintain strong passwords to ensure the overall security of accounts. It helps ensure that password requirements are clear, understandable, and enforced in a standardized manner across the system. This will minimize the risk of unauthorized access and potential data breaches, and ensure users understand the password requirements, and clear prompts are provided via validation messages/feedback loop. These requirements include a new minimum (12) and maximum (20) for password characters (superseding recommendations of NIST 800-63b). Passwords now must have all of the following: One uppercase letter, one lowercase letter, one numeric digit, and One special character (e.g., !, @, #, $, %, ^, &, *). Emojis and non-ASCII characters are not allowed.

Adding a Trigger Event for Debts Updated

This new feature allows clients to create a trigger event named 'Debt Updated,' allowing them to set conditions based on 'Debt Status.' This will enable them to receive notifications whenever the Debt Status field is updated, informing them of important changes. As a result of this feature, clients will now have the ability to select "Debt Updated" (replacing Debt Made Legal) from the "Event Name" drop-down menu while setting up trigger events, utilizing the existing fields in the system for the initial implementation of the "Debt Updated" trigger event. Finally, this feature streamlines the process by using "Debt Status" as the key field for the trigger condition. The Debt Updated trigger event won't be triggered for API updates and Credit Pull updates; it's solely intended for manual updates within the Forth CRM.

Prevent Users from Deleting Contacts that have Advances

This new feature provides the ability to prevent a user from deleting a contact that has a FUNDED advance(s) in the system. However, if a contact has no advances that have been funded still be able to delete that contact and all associated advances deleted as well. This will help improve overall coherence in the system as advances associated with deleted contacts will no longer show up in the advances tab and cause confusion as they cannot be accessed due to the contact it is tied to being deleted. It also helps prevent scenarios in which contacts whose advances have been funded in the system can be deleted - which helps achieve overall better data integrity.

What's Improved (6)

Add ForthPay return reason & Gateway hold status to the Servicing tab

This update to Forth Pay adds a view of a payment return reason. This information is useful in recapturing NSFs, which is a common task to ensure full payout for submissions. With this update, the Forth Pay return reason is now displayed in the transaction table within the servicing tab. This update also added a "Gateway Hold Status and Reason" that now allows affiliates to more easily complete the steps required to release the hold. This helps facilitate full payouts.

Update Memo Description for Earned Performance Fee Type

This update adds the phrase "Earned Fee" in the memo description line for all transactions with the type Earned Performance Fee to indicate that the fee is associated with the respective creditor's name. The updated memo description will now be displayed correctly in the system interface and in any generated reports or statements. The goal of this feature is to provide clarity and understanding for the fee transaction. An example of the new memo format would be: "Earned Fee- CREDITOR NAME".

Request Release Button Control

This update improves transparency and efficiency when applying the Request Release function within the CRM. When you click this new color-coded “Request Release” button, you now greatly reduce the chance of producing duplicate Forth helpdesk tickets, causing less confusion and saving you valuable time.

The “Request Release” button will be automatically disabled immediately, and then turn red after it has been clicked, or a client is enrolled into the program for the first time.

The “Request Release” button will be enabled again immediately once a Forth Pay agent acts on the account, after 24 hours from the initial click. or 24 hours after the button is disabled after enrollment. This will help reduce the creation of duplicate help tickets. As a bonus, when the button is disabled, a user-friendly tooltip will appear, keeping the user informed. It will read, “The button will be enabled after a Forth Pay agent acts on the account or 24 hours have passed since the initial click.”

Faster Loading of Edit Settlements Page

The settlements page, available from the “Contacts” module/tab, currently loads settlement check images directly. This inherently slows down the settlements page and the user experience.

By presenting links to the check images rather than loading them all at once, the DSRP settlement page of a contact now loads more efficiently. In addition, the implementation of links does not compromise the accuracy of settlement check information, and will still allow users to access the images as needed.

Standardizing Two Decimal Points for Key Percentage Fields

With this new feature, the Forth system has been updated to remove rounding and to accommodate two decimal places precision (i.e., changes in how percentage figures are displayed to include two decimal places). This update affects specific fields in the CRM, namely the 'Settlement %', 'Original Amount in percentage', 'Current Amount in Percentage', 'Verified Amount in Percentage', 'Percentage of Current', 'Percentage of Original', and 'Percentage of Verified' and sets them to be accurate to two decimal places. This enhancement will align them precisely with the 'Offer %' for more consistency and accuracy in business decision-making.

Update Credit Bureau Connection (CBC) Integration

The CBC Integration needed to be refreshed to support a few changes in XML node structure. As a result of this refresh, a Credit parsing tool was implemented, and PDF generation was improved.

API Updates (2)

Add Creditor Reference Information to Create and Update Settlement Offers Endpoint

This new feature adds the ability to include Creditor Reference Information when creating and updating settlement offers for settlement payments by Check. This will allow users to provide additional reference information related to the creditor, DRSP (Debt Relief Service Provider), and any special instructions for the settlement offer. The changes will be applied to the existing API endpoints for POST and PUT. This addition will not only enhance the settlement offers API endpoints to include the Creditor Reference Information, but will also improve the user experience by providing a way to capture and manage additional reference details.

Add Time in Status to Get Contact by ID API Endpoint

This new feature updates our contacts endpoint on the API to retrieve the time in the status field. Additionally, it updates our workflow endpoint upon GET to return full status history. The goal of this feature is to enable the retrieval of how long a client has been in a certain status & enable clients to better keep track of their customer base. This feature will now report in such that the newest/most recent status change in the history reflects first in the feed.

These Release Notes for August 2023 list several new features and improvements. This month’s Release Notes are focused on the great work performed by our Forth Development and Quality Assurance Teams to enhance your user journey. Get ready to elevate your CRM Experience with Forth!

What's New

Field-Level Suppression for the Debts Fields

This new feature allows administrative users to control which debt fields certain users or user groups have access to when adding or editing a debt in the system. It was built to expand the existing functionality around field-level permissions to include the debts feature in the system. With this feature, we have added debt information to the field-level permissions via a new "Debts" section that enables the selection of an individual debt field to be enabled or suppressed as editable via a checkbox. This applies to system-provided fields and custom fields defined for the account.

User Lockout Enforcement

In line with NIST 800-63, this new feature improves our security with a user lockout function based on the number of invalid attempts made by that user. This prevents malicious or forced attempts in your system and protects the data housed within your account. If the user has ten (10) consecutive invalid attempts, the system will lock out the user for 30 minutes.

During this 30-minute window, no one can take action to unlock, as the user is not locked out, but rather in a “cooling” off state. After this expires, the user is able to log in again and gets 10 more consecutive attempts. If the user fails these 10 attempts as well, then the user is locked out and can ONLY be unlocked by an admin, via a one-time use temporary password sent to the user. The system will also now track invalid user login attempts for all users logging into the Forth platform.

What's Improved

Process Refunds of Dropped Forth Pay Clients

Until now, you were required to contact Forth Pay if you need to reverse fees or process a refund to a consumer after cancellation. This update offers a solution to our Forth Pay clients that provides greater control over refund processing. We introduced the capability to schedule advances and refunds yourself for a dropped or canceled Forth Pay client. This feature reduces the need for re-enrollment or Forth Pay intervention. With this solution, you may initiate these refunds only when a client has been canceled from the program, you can only schedule client refunds and no other transaction types, and you can only schedule ACH Credit refunds to the account on record, nor do you have the ability to update the banking information before scheduling a client refund.

Stronger Forth CRM Password Requirements

This update strengthens the already robust password requirements within Forth CRM, to better ensure the overall security of your account. This update helps minimize the risk of unauthorized access and potential data breaches and provides clear prompts via validation messages and a feedback loop. The updates have been performed to exceed new security guidance from NIST and the federal government’s information security standards.

Customer Name Field on the Decisions Page for Unmatched Transactions

This update makes it easier for users to identify unmatched transactions on the Settlement Decisions page, without the user having to read the comments.

Description Box for API Generation

This update provides the ability to set a description for each set of API credentials that are generated in the CRM. This feature added a description box with a maximum limit of 250 characters to the API Key generation window on the REST API page. This description will now appear in the table of credentials once it has been saved, as a new column in the table. This solution improves clarity for users in terms of what keys are used for by letting them set their own description for each credential set.

Update Fee in the Loanosity DSL Calculation

Previously, the Loanosity DSL integration only factored in earned performance fees (EPFs) that are in the “FEE1” slot. With this update, we have adjusted the integration to calculate any fee that has a fee type = percent, is deferred, and is active. This allows a DRSP to use this integration, regardless of what fee slot they utilize for EPF.

API Updates

Create Advance via API

This update provides the ability to create an advance on a contact via the API. It adds an endpoint, and a POST request to this new endpoint, with the Contact ID present. Upon advance creation, the advance will now go into the status that is already defined. Click HERE to access this setting.

Any updates to the advance via API will be done with a PUT request on the advance endpoint referencing the ID of the advance created in this way.

Set Commissions and Advance Assignments via API

With this update, a user now has the ability to set commissions and advance assignments via the API. It allows the user to leverage the API to assign advance commissions and assignments. These updates assume that the advances being updated in this way have NOT been funded. This is enabled by creating a new API endpoint that uses a PUT request to update an advance by its ID within the Centrex API.

Send an Email to Contacts

This new feature enables clients to send emails to contacts through the API to easily communicate and allow attachments of uploaded files and files within the CRM to the email. This feature has been enabled by adding a new send email endpoint to the Forth CRM API, supporting the POST method with FormData. There is a maximum attachment size on the email of 20MB. This was done to stay below the maximum known threshold of many email clients around 25MB. These attachments must be one of the following content/MIME types to be accepted: jpeg', png', pdf, zip, gzip, msword, pjpeg, csv, 'text/plain', and msexcel'. NOTE: The Forth CRM does not currently perform real-time antivirus scanning of attachments.

Clixsign & Generated Document Types in Lender Submission API

This new feature enables lenders to identify and categorize documents attached to submissions via the API. It allows the lender to see the document types and Clixsign parameters for documents within the Centrex CRM when pulling submissions via the Get Submission Details API Endpoint. This will allow the programmatic identification of documents included as part of a submission for automated underwriting and decision purposes. This solution utilizes the existing "Get Submission Response" API endpoint. This option is applicable for PDF & HTML documents. This document type tracking feature is only available for documents generated or Clixsigns sent after November 2022. No tracking info exists before this time and it cannot be recreated. The document type value must correspond to the document type set at the individual template level.

Contact Enrollment Value via API

This feature allows a user to enroll a contact via the Forth API. This feature facilitates an enrollment flow in an automated capacity. Our solution was to create an API endpoint that enrolls customers into the Forth system (subject to Enrollment settings). In addition to enabling contact enrollment via API, this solution enforces parity to enrollment flow at the CRM UI, as well as enables clients to automate their enrollment flow via the usage of 3rd party applications. All saved plan/compensation template/banking data is unaffected just as you would expect manually enrolling via the UI.

Create Note API Response

This new feature returns the Note ID in the API response of the "Create Note" endpoint. The Note is also now visible in the CRM under the Contact Dashboard. This allows the user to know the Note ID after a Note is created via API.

These Release Notes for July 2023 list several new features and improvements.

What's New

Lending USA Fresh Start Loan (FSL) Program

This new feature provides an integration for the Lending USA Fresh Start Loan (FSL) program. This integration for LUSA FSL is incredibly simple to use. With this integration, you can easily create applications for contacts within the Forth CRM, which can then be found in LUSA’s powerful merchant portal to complete their process.

What's Improved

These Release Notes for June 2023 list several new features and improvements.

What's New

Loan Funded Notice to Clients for Forth Pay Gateway

This new feature created a daily email notification system for DRSP agents and Client administrators when a "Balance Transfer" transaction type is applied to a consumer account for Forth Pay. This helps ensure immediate notification once a funded loan, returned Forth Pay settlements, and wires are applied to consumer accounts.

This feature utilizes a "Send Email Notification” button on the "Mass Balance Transfers" page that automatically sends an email submission (which includes the Client ID, Client Name, Balance Transfer Amount, and a Memo line) for all balance transactions at the end of the day when the "Save" button is clicked.

Loanosity DCL Integration

(DEPRECATED AS OF 2026)
Loanosity DCL offers debt settlement program loans for consolidating debt. With this new integration, Loanosity DCL is now a program option available to clients to pay off their debt. The Loanosity DCL integration is used after a client has already been enrolled in a program and wants a loan to pay off that program. 

NOTE: You must be enrolled in the Loanosity DCL program to use this integration.

What's Improved

2023-05 provides several new features and significant improvements to Forth.

What's New

CheckFlo Integration

We added CheckFlo functionality by creating a new user interface (UI) to integrate with CheckFlo API endpoints which now allows the upload of check payments to their platform from the Forth Pay CRM.

2023-04 provides several new features and significant improvements to Forth.

What's New

Saving Settlement Offers - Now Allow Negative Balances

This new feature enables a client the ability to better govern their settlement workflow!

Introducing "Save Negative Settlements" - a new role permission that allows you to save negative settlement offers in any status, or complete an offer, even when funds are not available. We understand that sometimes settlements need to be completed urgently, and negotiations between creditors and DSRPs can be time-sensitive. That's why we developed this feature to help you manage your settlement process more efficiently. 

To enable this feature, log in to the CRM, click the "Admin" tab, and select "Roles" from the Navigation Bar. Scroll down to the Settlements section and click "Save Negative Settlements".

X9 File Creator for Checks

This new feature generates an X9 file format for all the checks to return in a file. The Image Cash Letter (X9) format is a Raster file format developed by the Accredited Standards Committee X9 Inc and supported by the MAVRO (imaging) X9 Viewer.

The file format is used in electronic banking systems to represent checks as images in files. Each file can contain a number of checks, each check having two images: one for the front side and one for the back side. The file also contains information about each check and the whole Cash Letter. For more information, refer to https://www.checkimagecentral.org/check-information and download the technical report X9.100-187.

Non-Truncated Status Names in Trigger Conditions

This new feature will now display the full names of file types, stages, and statuses without truncation when selecting them for use in trigger conditions. This ensures that the correct item is selected and improves the accuracy and reliability of our trigger conditions. The former trigger conditions truncated the names of statuses when selecting them for use in the condition. This can cause confusion and errors in the triggers, especially with multiple items with similar names but different suffixes.

Allowing Blank SSN Credit Pulls via Xactus 360

Xactus does not support the last 4 numbers of a social security number (SSN) as a viable method to pull credit. They can do an SSN absent pull if the date of birth is present, but our system formerly prevented that. This update allows customers to pull credit if an SSN is not present.

New Xactus 360 Debt Type Mappings

Xactus had additional debt/loan types that we did not have code to map internally to their respective debt types for. This update adds support for the additional types and maps them to our system debt types in Forth CRM.

New Role Permission to Restrict Original Debt Balance

You requested the capability to lock the original debt balance of a debt upon enrollment. We added a new role permission for “Edit Original Debt Post Enrollment” in the enrollments section of Roles, to select which roles can modify this field after the contact has been enrolled into the program. Since original debt never changes, a user should not be able to modify it any further especially after a client is enrolled in the program. This new feature enables the ability to lock fields post-enrollment.

What's Improved

2023-03 provides several new features and significant improvements to Forth.

What's New

Xactus 360 Migration

As you're aware, our integration partner Xactus ended their relationship with MCL at the end of February. In order to support the transition from the MCL platform to Xactus 360, we have deployed the following new features:

• Added Xactus 360 to the Credit Parsing Tool
• Added {CREDIT_UTILIZATION}, {CREDIT_TOTALLIABILITY} and {CREDIT_SCOREFACTORS} functionality for Xactus360 (CRM-I-888/866)
• Add Applicant and Co-Applicant Credit Pulls with Xactus360 (CRM-I-688)
• Add Endpoint to Pull Credit from Xactus360 Service (see API Updates section at the end of this release)

Added Xactus 360 to the Credit Parsing Tool

The credit pull parsing tool (script editor) is something a lot of clients use to filter out creditors or trade lines that they do not want entering the system. This addition enables the Parsing Tool to be used with the xactus platform as it has with others like MCL.

Added {CREDIT_UTILIZATION}, {CREDIT_TOTALLIABILITY} and {CREDIT_SCOREFACTORS} functionality for Xactus360

This modification updates the Xactus360 Integration to capture fields relevant to existing tags for credit utilization and credit score factors.

Add Applicant and Co-Applicant Credit Pulls with Xactus360

Formerly, joint credit pulls were not functioning in conjunction with the Xactus360 integration. With this modification, we added support for this feature so that both applicants and co-applicant's can have their credit pulled jointly.

Added New Field to Debt Reports

This feature added a field for the number of Accounts Unsettled from the enrollments reports page to be available on the Debt reports on the Creditors tab.

Added a Delete Button on the Edit Triggers Page

Formerly, when deleting a trigger we had to find the trigger, edit it to make sure we want to delete it, then go back to the main page just to click the delete button instead of doing it from the page we're already on. This new feature adds a delete button to the edit triggers page. This will reduce the need for users to jump between pages to manage the triggers that they are editing.

Document Package 2.0

This past month, we released a comprehensive update to our Document Package feature within the Forth CRM. This comprehensive update includes the following improvements:

• Document Package Splitting
• Document Packages Searchability
• Copy/Duplicate a Template for a Package

Package Splitting

Packages often have multiple pieces that need to be sent to different parties. The new Document Package Splitting feature allows our system to seamlessly split packages that are already signed through Clixsign into individual PDFs. These PDFs can now be downloaded (see image below), composed of the individual documents that comprise the package. These individual PDFs from the package will have the Clixsign certificate appended to them.

This feature eliminates the need for customers to leave the system to extract a document from a package and will reduce friction when uploading documents to third parties or other integrations that require specified documents pulled from a package.

Search for Document Packages

This new feature provides the ability to search for saved Document Packages more efficiently than before. Before this, a user had to spend precious time scrolling through a list of packages to find a particular document.

This feature improves the usability of the Documents module by adding Search functionality by Document Package name or package ID field.

Copy/Duplicate a template for Document Packages

This exciting new feature provides the ability to duplicate an existing document package. All document templates part of the original package are copied to a new package. This new time-saving feature allows administrators to clone similar packages with a single click, instead of starting from scratch each time.

Added New Triggers and Enrollment Settings: First Payment Cleared and First Payment Return (CRM-I-598)

Until now, the status change upon first payment clearing/returning only looked at payment transaction #1 of the program. For clients who have triggers tied to a first payment clearing or returning, this may be misleading as the first payment that clears or returns may not be the first numerical payment in the program. As such, we introduced a new enrollment event for the first instance of clear or nsf payment and clarified how the first numerical payment that fails or clears is distinct from the first instance.

What's Improved

2023-02 provides several new features and significant improvements to the Forth system.

What's New

Added Creditor Current Payment to Servicing Tab for Affiliate Accounts

With this new feature, the Servicing Tab on the affiliate's account would reflect the creditor's current payment in the "Creditors" section. This was developed to have the creditor's current payment reflected on the servicing tab as this will help with retention. This shows the creditor's individual current payments as well as the total current payments (just like on the debts tab). This was needed on the servicing tab so that a client may remove or add debt after the file is submitted to the servicing company and there isn't a way for the affiliate to know.

Added New Triggers and Enrollment Settings

Currently, the status change on the first payment clearing/returning only looks at the first payment of a program. For clients who have triggers tied to a first payment clearing or returning this was misleading as the first payment that clears or returns may not be the first numerical payment in the program.

This new feature introduced a new enrollment event for the first instance of a return or cleared payment and clarified how the first numerical payment that fails or clears is distinct from the first instance. This feature also gives clients more options in their messaging around first payments clearing or returning vs the first instance of those events

Added Data Source Logging

Users are currently unable to see the results of posting in via a data source. This data should be retained temporarily and presented to the user for debugging purposes. Additionally, adding "_debug=true" to the end of the data source URL now toggles this feature on or off.

Added a New Settlement Commitment Tag

Clients have debts that are settled with open settlement payments. This new tag {SETT_COMMIT} provides the ability to reflect the settlement commitment, pulled from the sum of all open settlement payments on the schedule) for a given customer on an email template, sms template, or document template. This feature then generates the client’s settlement commitment upon rendering the template.

Added a New Field and Tag for the Number of Consecutive Returns

This new feature creates a new field on contact lists called “Number of Consecutive NSF Payments", providing the ability to represent the number of consecutive NSF payments on a client's schedule in an email via a new tag titled {NUM_CONSECUTIVE_NSFS}. Additionally, it provides a new filtering capability for clients on a list by the number of consecutive returns.

Added Document Packages into Trigger Conditions

Document templates currently have limited to no functionality in conjunction with our triggers system. Just like we have events for when a document gets sent via Clixsign, we would like to enable the same functionality for document templates. This new feature will expand our automation capabilities and allow clients to further automate their processes. This would further align document package capabilities to individual template experience in triggers, as well as enable more notifications and automation around document packages. The trigger event names are "Document Package Complete", "Document Package Declined", "Document Package Status Event", and "Document Package Email is Opened".

Added Not Enrolled Debt Tags

This new feature provides the ability to display accounts that are not enrolled in a program separate from accounts the consumer is enrolling in the program. This would be reflected as the same table for enrolled debts just showing the un-enrolled as well. This feature is enabled by creating a new tag that generates a tag similar to the {CreditorList} tag. These new tags are {CreditorListUnenrolledOriginal} which uses original_debt_amount and {CreditorListUnenrolled} which uses current_amount.

This feature helps your sales team ensure they are not leaving out any qualified debts for enrollment.

Added Administrative Control for Users' Notification Settings

Currently, only an individual User can update their system alerts for contact opens my emails. This new feature provides the capability to control whether or not users receive system notifications without having to log in as them and modify their "my settings" page. This would enhance administrative functionality around system notifications.

Added a NewLine Loan Integration

NewLine Loan offers debt settlement program loans for consolidating debt. With this new integration, NewLine is now a program option available to clients to pay off their debt. The NewLine integration is used after a client has already been enrolled in a program and wants a loan to pay off that program.

This feature relies on the Forth client being enrolled in the NewLine Loan program (confirm with Forth Sales if you have any questions).

Added Two-Factor Authentication

This effort makes updates and standardizations to the two-factor authentication (2FA) experience by providing enhanced security controls, better administration, and improved organization. 

This enhancement creates a new “Access Control” Settings Page, found at the controlling company level (the highest level company within an account). Once enabled at the account level, specific companies can have 2FA functionality enforced on them.

Added a Debt Field to Debt Reports

This new feature added the Debt field "PAPERWORK RECEIVED DATE" as an available field for Debt Reports.

Additions of Features associated with Lender Submission

What's Improved

2023-01 provides several new features and significant improvements to the Forth system.

FORTH Rebranding Update

As you know, DebtPayPro and Debt Pay Gateway combined into one company, named Forth™. As part of this effort, we have created a Transition Guide (Click HERE) to help guide you with updates to URLs, and Contact Information. This transition was effective on Monday, January 9th, 2023.

What's New

Servicing Client Summary Tab on Contact Dashboard

This new feature was developed to provide Sales Affiliates, that submit to a Servicing Company, the ability to see client transaction-related information (live customer progress) as it lives on the Servicing Company account. This new tab will live on the Contact's client dashboard and there will be reporting available for all data points on this new Summary tab. The live data available for reporting includes several topics, including the number of cleared drafts, the number of Non-Sufficient Funds (NSF's) instances, the Last Draft date, amount and status, the Next Draft date and amount, a Settlement Summary, and a Full transaction ledger minus the actual available balance.

Additions of Features associated with Lender Submission

What's Improved