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 (DPG-2391) 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 Updates

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
  • Prevent Post-Dated Settlement Payments
  • Negative Balance Settlement Status Control
  • Accurate Settlement Summary Counts
  • Enhanced Payment Modal Debt Selection
  • Control Over Transaction Deletion
  • Send External Forms via SMS
  • New {LAST_CALL_NOTE} Tag
  • Credit Score Trigger Condition
  • Note Template Trigger Condition
  • Clixsign Default Enforced Signing Order
  • Enhanced Document Type Display
  • Configurable Customer Portal Access
  • Data Sources Honor Enrollment Plan Sharing
  • Updated the Copy Data Tool to Specify Roles
  • Active Settlements Count Tag
  • Active Settlements Table Tag

• What's Improved (3)
  • Standardized Date of Birth Filter in List Builder
  • E-Marketing Email Templates Table Update
  • Dropped/Graduated Status Display

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
  • Updated the Copy Data Tool to Specify Roles
  • Active Settlements Count Tag
  • Active Settlements Table Tag
  • Document Tag of Settlement Summary to Include Current Creditor
  • Added Graduation Date to Accounting Report Fields
  • Hide / Show Debt Notes
  • "Third Party" Filter in the Settlements Tab
  • Track IP Whitelists Updates inside the System Log
  • Update Clixsign SMS Notification Language
  • Add Triggers for Debt Enrolled, Unenrolled, and Created
  • Added "Next Settlement Payment Amount" and "Next Settlement Payment Date" to the List Builder as Available Fields

• What's Improved (1)
  • Added Contact Validations on Lists using Bluerock

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
  • Remove Special Characters for Account Numbers during Forth Credit Pulls
  • Hiding SSN's in KBA Popups
  • Prevent Users from Multiple Clicks of "Save"
  • Auto Redraft Feature Update
  • Added Monthly Settlement Tags
  • Tag to Display Total Dollar Amount Paid Toward EPF
  • New Tag for California Law Compliance
  • Automatic Generation of Monthly Account Statements
  • Enforcement of 2FA on All Login Attempts
  • Prevent Different Users from Enrolling/Re-Enrolling a Contact at the Same Time
  • Create Permissions for Task Reassignment
  • Role-Based Permissions for Shared Enrollment Plans (Affiliate End)
  • Share Documents Between Accounts via Webhook Based on Doc Type
  • Tag for Debt ID and Working via Webhook
  • RingCentral User Setting Page
  • RingCentral Authentication & Authorization
  • Call Dispositions and Call Logs
  • Add User Restrictions to Note Types

• What's Improved (1)
  • Gray Out Past Dates on Tasks within Client's Profile

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)
  • Bluerock User Mapping in My Settings
  • Limiting Credit Pull Options Based on User Role'
  • Push to Prior Business Day Settings
  • Specify Exact Minutes and Seconds for Contact Creation
  • Automate Forth Pay Document Underwriting
  • Creditor Portal Optimization
  • Setting Specific Number of Events to Pause on NSF
  • Add Total Payment and Total Program Cost Fields to Program
  • Add "Pay Frequency" system field as a filter on Contact Lists
  • Role-Based Tags for Company-Level Custom Fields
  • Record Contact Delinking in the History Log
  • Role Permission for Action on Decisions Page
  • Clear Default Sort Field Due Date = Today from Task Page
  • Refresh Enrollment Plan/Fee Profile When Debts are Updated
  • Forth Pay Pending Fees Management
  • New "Charged Off Days" Field
  • New "Last Offer Created Date" field for the Ready to Settle Report

• What's Improved (2)
  • Client Graduation Date and Dropped Date in the Client Snapshot
  • Update to "Send and generate" Button for Enrollment Plans

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
  • Display Client History Upon Monevo Access Loan Submission
  • New Alert Urgency Options for Mass Edit
  • Direct Pay Creditor Payments - Deposits by Respective Bank
  • New Bank Column to Creditor Portal User Interface
  • ForthPay Advance/Recoup Modal
  • Tag for "Rejected Date"
  • Auto-Detect Program End and Schedule Fees for Manually Added ACH Debits
  • Trigger Event for Saving Bank Account Information
  • Passing Bank Account Holder Address Fields via Webhook

• What's Improved (1)
  • Transactions/Gateway Approval View - Open Status Debit and Client Check Payment Transaction Only

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.