Release Notes

This release introduces the User Management API, extends Classify-only support to additional document types, expands field-level coverage within an existing document type, and adds Early Access support for Credit Shopping Events in Loan Inquiries and configurable benchmarking peer groups for SMB.

Early access

SMB

Credit Shopping Events in Loan Inquiries

Loan inquiries now includes Credit Shopping Events (CSE), which group a merchant's raw loan inquiries into distinct funding-search episodes. This removes noise from resubmissions and broker shopping, giving you a clearer view of how many times a merchant has genuinely sought credit.

Application velocity filter: Switch between Raw Inquiries (every submission) and Credit Shopping Events (deduplicated episodes) to compare operational activity against true credit demand.
Event drill-down: Review events in reverse chronological order, each showing start date, end date, duration, inquiry count, and number of distinct lenders. Expand any event to see the lenders involved and their underlying inquiries.

For more information, see the Credit shopping events product guide.

Expanded benchmarking peer groups

Benchmarking now supports configurable peer groups across three dimensions to give you broader comparisons depending on the merchant's context.

Dimension	Options	Default
Time window	30, 60, 90, 180, 270, or 365 days, rolling from the Book's creation date	90 days
Geography	National, State, or MSA	National
Industry granularity	NAICS2, NAICS4, or NAICS6	NAICS4

For more information, see the Benchmarking product guide.

📘
Availability
Expanded benchmarking peer groups and Credit Shopping Events are available through Early Access. To enable either feature for your organization, contact your Account Manager.

What's new?

Global

User Management APIs

We have introduced the following three new user management API endpoints, giving your organization programmatic control over user invitations and member visibility:

POST /v1/invitations: Invite a new user to your organization by submitting their email address. If the email has been invited before, the existing invitation is refreshed with a new expiration date. To learn more, see the Create invitation API documentation page.
GET /v1/invitations: Returns a paginated list of pending invitations in your organization. Use this endpoint to review outstanding invitations before sending reminders or re-inviting users whose invitations have expired. To learn more, see the List invitations API documentation page.
GET /v1/users: Returns a paginated list of dashboard members in your organization. Use this endpoint to review existing users, filter by manager status, or sort results by ID or email. To learn more, see the List users API documentation page.

Classify and Capture

New Classify and Capture supported documents

The Classify and Capture supports are enabled for the following newly onboarded document:

🏠 Loan Product Advisor (LPA) Feedback Certificate

A Freddie Mac-generated report that evaluates mortgage loan eligibility and outlines the documentation requirements based on borrower and loan data submitted through the automated underwriting system. To learn more, see the Loan Product Advisor (LPA) Feedback Certificate page.

Classify-only

New Classify supported document

The Classify supports are enabled for the following newly onboarded documents:

Category	Document
Closing	Electronic Funds Transfer (EFT) Authorization Form Escrow Notification Letter
Disclosure	Interest Rate Agreement (Rate Not Locked) Appraisal Valuation Acknowledgement Inspection-Based Appraisal Waiver Disclosure
Legal	Authorization to the Association Attorney
Mortgage-specific forms	First Mortgage Payment Coupon Submission Summary Report
Other	Risk Based Pricing Notice
Property	Homeowners Insurance Authorization Appraisal Request Authorization

To learn more, see the All Supported Documents page.

Enhancements

Classify and Capture

Additional attribute support

Ocrolus now offers support for the following attribute within the existing document type:

Standard Flood Hazard Determination Form

See the Standard Flood Hazard Determination Form documentation for full field details.

standard_flood_hazard_determination_form-Part1-LoanInformation:2.CollateralDescription:borrowerName2
standard_flood_hazard_determination_form-Part1-LoanInformation:2.CollateralDescription:borrowerName3
standard_flood_hazard_determination_form-Part1-LoanInformation:2.CollateralDescription:borrowerName4

VOE (generic) - Verification of Employment Report

See the VOE (generic) - Verification of Employment Report documentation for full field details.

verification_of_employment-Part1-General:isItAVerbalVerificationOfEmployment

Merchant Processing Application

See the Merchant Processing Application documentation for full field details.

merchant_processing_application:credit_card_processing:interchange_plus_checkbox
merchant_processing_application:credit_card_processing:includes_dues_and_assessments_based_on_gross_sales
merchant_processing_application:credit_card_processing:mc_v_disc_rate:credit
merchant_processing_application:credit_card_processing:mc_v_disc_rate:debit
merchant_processing_application:credit_card_processing:mc_v_disc_rate:other_item_rate
merchant_processing_application:credit_card_processing:mc_v_disc_rate:other_volume_rate
merchant_processing_application:credit_card_processing:tiered_checkbox
merchant_processing_application:credit_card_processing:mc_v_disc_debit_qual:discount
merchant_processing_application:credit_card_processing:mc_v_disc_debit_qual:trans_fee
merchant_processing_application:credit_card_processing:mc_v_disc_credit_qual:discount
merchant_processing_application:credit_card_processing:mc_v_disc_credit_qual:trans_fee
merchant_processing_application:credit_card_processing:mc_v_disc_mid_qual:discount
merchant_processing_application:credit_card_processing:mc_v_disc_mid_qual:trans_fee
merchant_processing_application:credit_card_processing:mc_v_disc_non_qual:discount
merchant_processing_application:credit_card_processing:mc_v_disc_non_qual:trans_fee
merchant_processing_application:credit_card_processing:cash_discount_checkbox
merchant_processing_application:credit_card_processing:cash_discount:discount
merchant_processing_application:credit_card_processing:cash_discount:trans_fee
merchant_processing_application:credit_card_processing:apply_to_debit:yes
merchant_processing_application:credit_card_processing:apply_to_debit:no
merchant_processing_application:credit_card_processing:other_transaction_fees_all_card_types:authorization_fee
merchant_processing_application:credit_card_processing:other_transaction_fees_all_card_types:item_fee
merchant_processing_application:credit_card_processing:other_transaction_fees_all_card_types:refund_transaction_fee
merchant_processing_application:credit_card_processing:other_transaction_fees_all_card_types:electronic_avs
merchant_processing_application:credit_card_processing:other_transaction_fees_all_card_types:gateway_transaction_fee
merchant_processing_application:credit_card_processing:other_transaction_fees_all_card_types:wireless_transaction_fee
merchant_processing_application:credit_card_processing:per_occurence_fees:batch_fee
merchant_processing_application:credit_card_processing:per_occurence_fees:dispute_fee
merchant_processing_application:credit_card_processing:per_occurence_fees:retrieval_fee
merchant_processing_application:credit_card_processing:monthly_fees:statement_fee
merchant_processing_application:credit_card_processing:monthly_fees:monthly_minimum
merchant_processing_application:credit_card_processing:monthly_fees:online_reporting
merchant_processing_application:credit_card_processing:dispute_management:ethoca_alerts
merchant_processing_application:credit_card_processing:dispute_management:verifi_alerts_rdr
merchant_processing_application:credit_card_processing:dispute_management:alert_rdr_management_services
merchant_processing_application:credit_card_processing:dispute_management:dispute_management
merchant_processing_application:credit_card_processing:dispute_management:3ds_per_transaction
merchant_processing_application:credit_card_processing:dispute_management:other_description
merchant_processing_application:credit_card_processing:dispute_management:other_amount
merchant_processing_application:credit_card_processing:other_card_types_if_applicable:pin_debit_monthly_debit_access_fee
merchant_processing_application:credit_card_processing:other_card_types_if_applicable:pin_debit_other_volume
merchant_processing_application:credit_card_processing:other_card_types_if_applicable:pin_debit_other_item_rate
merchant_processing_application:credit_card_processing:other_card_types_if_applicable:ebt_food_stamps
merchant_processing_application:credit_card_processing:other_card_types_if_applicable:ebt_cash_benefits
merchant_processing_application:credit_card_processing:other_card_types_if_applicable:ebt_fns_number
merchant_processing_application:credit_card_processing:other_card_types_if_applicable:ebt_other_item_rate
merchant_processing_application:credit_card_processing:special_fee_conditions_notes
merchant_processing_application:credit_card_processing:preferred_discount_method:daily
merchant_processing_application:credit_card_processing:preferred_discount_method:monthly
merchant_processing_application:credit_card_processing:pass_through_all_brand_fees
merchant_processing_application:credit_card_processing:pass_through_dues_and_assessments
merchant_processing_application:american_express:american_express_opt_blue
merchant_processing_application:american_express:amex_esa_over_1m_annually
merchant_processing_application:american_express:decline_amex
merchant_processing_application:american_express:esa_se_number
merchant_processing_application:american_express:interchange_plus:opt_blue_discount
merchant_processing_application:american_express:interchange_plus:trans_fee
merchant_processing_application:american_express:interchange_plus:other_item_rate
merchant_processing_application:american_express:interchange_plus:other_volume_rate
merchant_processing_application:american_express:tiered_pricing:opt_blue_debit_qual_discount
merchant_processing_application:american_express:tiered_pricing:opt_blue_debit_qual_trans_fee
merchant_processing_application:american_express:tiered_pricing:opt_blue_credit_qual_discount
merchant_processing_application:american_express:tiered_pricing:opt_blue_credit_qual_trans_fee
merchant_processing_application:american_express:tiered_pricing:opt_blue_mid_qual_discount
merchant_processing_application:american_express:tiered_pricing:opt_blue_mid_qual_trans_fee
merchant_processing_application:american_express:tiered_pricing:opt_blue_non_qual_discount
merchant_processing_application:american_express:tiered_pricing:opt_blue_non_qual_trans_fee
merchant_processing_application:american_express:estimated_annual_amex_volume
merchant_processing_application:american_express:other_fees:voice_authorization
merchant_processing_application:american_express:other_fees:aru_authorization
merchant_processing_application:american_express:other_fees:monthly_pci_compliance
merchant_processing_application:american_express:other_fees:annual_pci_compliance
merchant_processing_application:american_express:other_fees:pci_non_compliance
merchant_processing_application:american_express:other_fees:tin_mismatch
merchant_processing_application:american_express:other_fees:per_ach_reject
merchant_processing_application:american_express:other_fees:government_compliance
merchant_processing_application:american_express:other_fees:dispute_resolution
merchant_processing_application:american_express:other_fees:annual_fee
merchant_processing_application:american_express:other_fees:elevate_access_fee
merchant_processing_application:american_express:other_fees:basic_monitoring
merchant_processing_application:american_express:other_fees:content_monitoring
merchant_processing_application:american_express:other_fees:cyber_breach_insurance
merchant_processing_application:american_express:other_fees:privacy_compliance
merchant_processing_application:ach_processing:standard_ach_6pm_est_cutoff:item_fee
merchant_processing_application:ach_processing:standard_ach_6pm_est_cutoff:discount_fee
merchant_processing_application:ach_processing:same_day_ach_9am_est_cutoff:item_fee
merchant_processing_application:ach_processing:same_day_ach_9am_est_cutoff:discount_fee
merchant_processing_application:ach_processing:setup_fee
merchant_processing_application:ach_processing:monthly_fee
merchant_processing_application:ach_processing:file_load_fee
merchant_processing_application:ach_processing:returned_item_fee
merchant_processing_application:ach_processing:late_returned_item_fee
merchant_processing_application:ach_processing:noc_item_fee
merchant_processing_application:ach_processing:api_fee
merchant_processing_application:ach_processing:reporting_fee_monthly
merchant_processing_application:ach_processing:overdraft_fee_each
merchant_processing_application:ach_processing:over_monthly_limit_rate
merchant_processing_application:ach_processing:over_monthly_limit_fee
merchant_processing_application:ach_processing:excessive_return_fee
merchant_processing_application:ach_processing:excessive_late_returns
merchant_processing_application:equipment:terminal_pos:manufacturer
merchant_processing_application:equipment:terminal_pos:model
merchant_processing_application:equipment:terminal_pos:i_need_a_terminal
merchant_processing_application:equipment:gateway_cloud_pos:cliq
merchant_processing_application:equipment:gateway_cloud_pos:auth_net
merchant_processing_application:equipment:gateway_cloud_pos:usa_epay
merchant_processing_application:equipment:gateway_cloud_pos:nmi
merchant_processing_application:equipment:gateway_cloud_pos:softpoint
merchant_processing_application:equipment:gateway_cloud_pos:other
merchant_processing_application:equipment:gateway_cloud_pos:if_other_description
merchant_processing_application:equipment:gateway_cloud_pos:gateway_setup_fee
merchant_processing_application:equipment:gateway_cloud_pos:gateway_monthly_fee
merchant_processing_application:equipment:gateway_cloud_pos:hardware_fee
merchant_processing_application:equipment:gateway_cloud_pos:biometrics_fee
merchant_processing_application:equipment:mobile:no_i_need_one
merchant_processing_application:equipment:mobile:yes
merchant_processing_application:equipment:mobile:make_model
merchant_processing_application:equipment:mobile:equipment_notes

Purchase Contract

See the Purchase Contract documentation for full field details.

purchase_contract-Part2-PurchaseContract-PurchasePrice&Financing:purchaseContract-LoanPercentage(%)
purchase_contract-Part5-Addendum-PurchasePrice&Financing:addendum-LoanPercentage(%)
purchase_contract-Part8-CounterOffer-PurchasePrice&Financing:counterOffer-LoanPercentage(%)

To learn more, see the All supported documents page.