Release Notes

In this release, we launched Business History APIs into GA, expanded support for new Capture document types, added the include_pending_plaid_transactions parameter to enable viewing pending transactions for early activity insights, updated the book.verified webhook to include a new optional field book_copy_job_id for Encore customers, and introduced several income calculation enhancements including Form 1125-E fallback, employment offer letter support, rental income annualization, automatic Social Security gross-up, automated Encompass PDF export, and BSIC dashboard configuration updates.

What's new?

Business History APIs are now Generally Available (GA)

Previously released in beta, the Business History APIs are now fully available with improved stability and production readiness. For details on the initial release and API capabilities, see the Business History API release notes (April 2026).

Classify and Capture

New Classify and Capture supported documents

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

Mortgage specific forms

• Bailee Letter

To learn more, see the All Supported Documents page.

Enhancements

Analyze

View pending transactions for early activity insights

We have introduced a new optional query parameter, include_pending_plaid_transactions, to the GET /v2/book/{book_uuid}/enriched_txns endpoint. This parameter allows you to include pending transactions from Plaid-linked accounts in the response.

When this parameter is set to true, the response includes an additional pending_plaid_transactions field listing transactions that have been reported by the financial institution but not yet posted (for example, card authorizations or in-flight ACH debits).

Pending transactions are provided for visibility into recent activity but are not processed through Ocrolus’s enrichment pipeline. As a result, they do not include tags, categories, or counterparties and are excluded from all analytics outputs, including cash flow features, Book summaries, risk scores, lender analytics, and analytics exports.

Once a pending transaction posts at the financial institution, it is processed through enrichment and appears in the standard posted transaction set on the next refresh. The pending entry is then removed.

Example

GET /v2/book/{book_uuid}/enriched_txns?include_pending_plaid_transactions=true

"pending_plaid_transactions": [
        {
            "amount": "1714.65",
            "description": "Payment Received",
            "iso_currency_code": "USD",
            "plaid_account_id": "p9kUU7HLU5ok2R78UjqNn8vPfS1SDWdpaxpE",
            "plaid_txn_id": "mXNVUdPHn6jyFyJaCYrQoR293PaYlOmhqzwR",
            "txn_date": "2025-01-01",
            "uploaded_doc_uuid": "733bddcd-0fb4-45e7-9f8d-ccdefd021a2d"
        }
    ],

To learn more, see the Enriched Transactions API documentation.

Mortgage

Income calculation

The following enhancements are made across income calculation, Encompass integration, and BSIC dashboard configuration:

• Form 1125-E fallback for 1120 (S-Corp) income: When Schedule G is missing from a Form 1120 return, the system falls back to Form 1125-E to identify the borrower, determine ownership percentage, and compute officer compensation. A separate borrower entity is created for each officer listed, and Form 1125-E compensation is used for income calculation when W-2s are unavailable. To learn more, see the Self-employed income guide.
• Employment offer letter income calculation: Offer letters are now supported for income calculation. The hire date serves as the employment start date, and income is calculated based on the pay format stated in the letter, capped at 40 hours for hourly rates. The letter must be signed by both parties and all contingencies satisfied before closing. To learn more, see Wage earner income guide.
• Rental income annualization: Rental income from Schedule E is now annualized to 12 months by default, regardless of reported fair rental days. Users can override this with supporting documentation. Aligns with Fannie Mae and Freddie Mac guidelines. To learn more, see the Rental income annualization guide.
• Social Security income gross-up: Social Security income is now automatically grossed up without additional documentation. The system applies 25% to the nontaxable portion (15% of benefit). For example, a $1,500 benefit results in $56 gross-up, bringing qualifying income to $1,556. Aligns with Fannie Mae and Freddie Mac guidelines. To learn more, see the Other income guide.
• Automatic Income Worksheet PDF export to Encompass: The Income Worksheet PDF is now automatically generated and pushed to the Encompass eFolder when income calculation is finalized. No manual steps required. The system retries automatically if the loan file is locked. To learn more, see the Automatic income worksheet PDF export section.
• BSIC configuration updates: Ownership percentage is now book-level only and can be applied to multiple accounts simultaneously. Large deposit threshold can now exceed 100%, and a new dollar amount threshold option is available at the book level with two decimal point precision. To learn more, see the Bank Statement Income Calculator (BSIC) guide.

Webhook

book.verified update for Encore

We have introduced a new optional field book_copy_job_id in the book.verified webhook response for Encore customers. This field is included in the response when a Book copy job is associated with the verified Book, and indicates the unique identifier of that copy job. To learn more, see the book.verified webhook page.

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Note

This field is exclusive to Encore customers. Non-Encore customers will not see any changes to their existing webhook response.