This demonstrates how curatives can be added, completed, and affect actions.
This panel was created in order to handle Schedule B items that need to be cleared either before closing or before a policy is issued. Below are some basic definitions of some of the terms in this area.
- Approved: A curative item will only appear on the website if it has been marked as Approved and the website user has the View Curative role enabled.
- Cleared: Used to indicate if the curative item has been cleared.
- Cleared By: Name of the internal user who cleared this item.
- Curative Re-Work: Used if this item needs to be reworked because it was not completed as required.
- Amount: If this is applicable to the item, the dollar amount associated with the item.
- Payee/Details: If the amount is entered, this field indicates who the payee should be.
- Documents: If one or more documents have been attached to a curative item, this column will indicate this.
- Notes: If one or more notes have been attached to a curative item, this column will indicate this.
- Due Date: This is when the curative should be cleared. This can be set by editing the curative item.
- Other Type: This will be enabled if Other is selected as the item and will allow the user to select what type of additional information may be needed. The additional information types are below:
- No Input: The user does not need to enter additional information about this pre-closing curative item.
- Payment: The user must enter a payment amount and payee when adding this pre-closing item.
- Specify: The user must enter a text field when adding this pre-closing curative item. For example, for Delete Individuals from Title, the Specify field would be the names to delete.
- Specify Payment: The user must enter a Specify text field when adding this policy curative item. The payment amount and payee are optional inputs.
- User Choice: This indicates that the user needs to select an Other type during creation, which will allow the user to decide which additional information is necessary.
Internal User Roles
Admin/Internal Users/Roles/General Access Roles
There are internal user roles that should be considered when setting up curative items.
- Admin: Curative Types:
- Admin: Curative Categories:
- Files: Clear/Rework all Curative Items: User will be able to mark curative items as Cleared or Reworked.
- Files: Update Curative Level:
- Settlement: Override Curative Disbursement Restrictions: An internal user with this role will be able to disburse a file even if a curative item is on the file with the Don’t Allow Disbursements If Not Cleared option is set on that curative item.
- Tabs: Edit: Curative: User is allowed to add/edit items on the Curative panel.
- Tabs: View/Curative: User is allowed to view the Curative panel.
Defining Curative Categories
Categories can optionally be used to further define and group your curative types. Categories are not required.
- Click Add.
- Click Enabled.
- Enter a Name such as Liens.
- Click Save or Save, New.
- Click Close.
Defining Curative Types
There are two different curative types:
- Pre-closing Curative Types: Curative items that should be cleared before the signing.
- Policy Curative Types: curative items that should be cleared before the policy is issued.
Admin/Curative Types/Pre-Closing or Policy
- Click Add.
- Internal Only: This should be checked if this curative type should not be displayed on the website.
- Require Comment: This should be checked if the user should be forced to associate a note when adding a curative item of this type to a file.
- Enter a Name such as Judgement.
- Set the Level. There are three levels that can be assigned to curative items: Levels 1, 2, and 3. The level indicates the severity of the curative item. This is typically used to add actions on a file based on the file’s overall level so that the curative work can be distributed to a different team based on how hard the file is anticipated to be to cure. When a curative type is defined, the curative level (severity) of that item can be defined at that point.
- Set the Input Type.
- No Input: The user does not need to enter additional information about this pre-closing curative.
- Payment: The user must enter a payment amount and payee when adding this pre-closing curative.
- Specify: The user must enter a text field when adding this pre-closing curative.
- Specify Payment: The user must enter a Specify text field when adding this policy curative.
- User Choice: This indicates that selection of the input type will be deferred until the user adds a pre-closing curative. This is the default value. NOTE: this is a legal option only for the Other type.
- Notification Coordinator Type: This is the coordinator type that should receive notifications when a note or document is attached to a curative item of this type on a file on the website.
- Display Good Though Date: Displays the good through date on the curative item panels. This date is for informational purposes only.
- Don’t Allow Disbursements If Not Cleared: If checked, a user will not be allowed to disburse funds on the file if a curative item of this type is on the file but has not been cleared. Note that a user can get past this restriction if they have the role, Settlement: Override Curative Disbursement Restrictions enabled.
- Associate With Payoff: If checked, this will allow the pre-closing curative of this type to be associated with a settlement payoff.
- Determine whether disbursements should be allowed if this curative item is on a file.
- Category: These categories will become available if categories are created in Admin/Curative/Categories. If categories are added, then filtering will become available when adding a curative item from the Curative panel.
- Status: Statuses found in Admin/Curative/Status may be added and configured with additional options. When creating a new pre-closing curative type, by default, all statuses are enabled. To enable specific statuses, click Add to pick an enabled status. Once added, there are three options that are configurable:
- Default: The defaulted status when creating a curative item using this curative type. Only one status may be the default.
- Auto-clear: If the curative item using this curative type changes to this status, the curative item will auto-clear.
- Can’t Clear: If the curative item using this curative type changes to this status, the curative item cannot be internally cleared. However, a partner can still clear the curative item. NOTE: A status cannot simultaneously have the Auto-clear and Can’t Clear option.
- Click Save.
- Click Close.
Linking Curative Items to Liens and Requirements
If a curative item should be automatically added to the curative panel when a lien or requirement is added during the searching process, select the type of curative item that a lien/requirement should add.
Admin/Search Data/Liens and Requirement Types
- Click Add or Edit.
- Enter the Name if adding.
- Enter the Language if adding.
- Set the Auto-Add Pre-Closing Curative Item to add when this lien/requirement is added to a file.
- Automatically mark curative item approved for Product Types: Check this if the curative item should automatically be approved (show up on the website to be cured for a partner). By default, all products are enabled.
- To specify by product:
- Select Selected
- Click Add to add one or more products.
- To specify by product:
Linking curative items to subdivisions
If curative items should automatically be added to the Curative panel when a subdivision is set on a property, such as requiring covenants and restrictions of HOA letters based on a subdivision, add the subdivision and set it to auto-add a requirement that is linked to the curative item.
- Click Add.
- Enter a Name.
- Enter the Search Data Legal.
- Enter the State and County.
- In the Auto-Add Liens and Requirements area:
- Click Add to select the appropriate lien/requirement.
- In the Auto-add Partners area:
- Click Add to select any partner that should be on the file for this subdivision, if desired.
- Click Save.
Adding Curatives with Actions
Curative items can also be added via an action.
Admin/Action List Action Groups
- Highlight the action group that contains the action that should add the curative item.
- Click Edit Actions.
- Highlight the action inside the action group.
- Click Add to add an affect.
- In the 7: Marking Done Creates Curative area, select the correct curative item to be added to the file.
- Click Only if Doesn’t Already Exist if there is a possibility that the curative could already be on the file and it should not be here twice.
- Click Save.
Adding Curatives to a File
There are three different ways to add curative items to a file:
- Manually: Internal users can add manually on the Curative panel.
- Automatically: Curatives can be automatically added by adding liens/requirements to a file.
- Automatically: Curatives can be automatically added by completing an action on a file.
- Click Add in either the Pre-closing Curative or Policy Curative area.
- Select the appropriate Category.
- Select the Item.
- Set a Level.
- Select a Due Date, if desired.
- Set the Status.
- Select an Estimated Completion date, if desired.
- Check the Approved box, if needed.
- Enter an Internal Comment, if needed.
- Enter Specify, Payment, Payee or Related Payoff information, if required.
- Click Save.
Adding curative items with liens/requirements
These curative items are added automatically as related liens/requirements are added to a file.
- Click Add in the Liens and Requirements area.
- Fill in the require data for the specified lien/requirement.
Notice below that all pertinent curative information was automatically filled in from the lien requirement entered above, which saves time with data entry.
Adding an action when a curative is added to a file
If a curative item should also appear as an action set up an action trigger. The Curative panel allows all curative items to be contained in one area instead of cluttering up the action list. In addition, there is a lot of automation that can be added using triggers that are outlined below, including the ability to add an action when a curative item is added to a file (in case there are certain curatives that really need an action).
Available Curative Triggers
- Policy Curative Added: Triggered when a policy curative item is added to a file. If this trigger is set to create an action, the action’s Display Name can include a _Name_ directive to rename the action to include the name of the curative item which was added (such as Curative: _Name_).
- Policy Curative Cleared: Triggered when a policy curative item is cleared on a file. If this trigger is set to create an action, the action’s Display Name can include a _Name_ directive to rename the action to include the name of the curative item which was cleared.
- Policy Curative Overdue: Triggered when a policy curative item is overdue on a file. If this trigger is set to create an action, the action’s Display Name can include a _Name_ directive to rename the action to include the name of the overdue curative item.
- Policy Curative: Partner Completed: Triggered when a website user completes a policy curative action. This is only fired for each policy curative action being completed if All is selected. Otherwise, this is only fired for the selected policy curative.
- Policy Curative Rework: Triggered when a policy curative item is flagged as Rework.
- Policy Curative: Clear for Policy: Triggered when the file’s status is changed to Clear for Policy.
- Pre-Closing Curative Added: Triggered when a pre-closing curative item is added to a file. If this trigger is set to create an action, the action’s Display Name can include a _Name_ directive to rename the action to include the name of the curative item which was added.
- Pre-Closing Curative Cleared: Triggered when a pre-closing curative item is cleared on a file. If this trigger is set to create an action, the action’s Display Name can include a _Name_ directive to rename the action to include the name of the curative item which was cleared.
- Pre-Closing Curative Overdue: Triggered when a pre-closing curative item is overdue on a file. If this trigger is set to create an action, the action’s Display Name can include a _Name_ directive to rename the action to include the name of the overdue curative item.
- Pre-Closing Curative: Clear to Close: Triggered when the file’s status is changed to Clear to Close.
- Pre-Closing Curative: Level 1: Triggered when a file’s overall curative level is set to 1.
- Pre-Closing Curative: Level 2: Triggered when a file’s overall curative level is set to 2.
- Pre-Closing Curative: Level 3: Triggered when a file’s overall curative level is set to 3.
- Pre-Closing Curative: Partner Completed: Triggered when a website user completes a pre-closing curative action. This is only fired for each pre-closing curative action being completed if All is selected. Otherwise, this is only fired for the selected pre-closing curative.
- Pre-Closing Curative: Rework: Triggered when a pre-closing curative item is flagged as Rework.
Set a Curative Trigger
Admin/Action Lists/Action Groups/Edit Triggers
- Click Add.
- In the Marking Done Creates Action area, select the action that should be created.
- In the Marking Done Affects Action area, select the same action chosen above and select to start/complete, if desired.
- Click Save.
In the example above, there are two triggers.
The first trigger, Pre-Closing Curative Overdue, will alert the processing team if a curative is still not cleared after the due date that was set on the curative item has passed. This is useful if, for example, there is a curative item for a payoff. If a payoff is requested today and the lender says it will be provided in three days, set the curative item due date for three days from now. If three days pass and the curative item is not cleared, the Curative Item Overdue action will appear.
The second trigger, Pre-Closing Curative Rework, will alert the processing team if a curative item has been set to Rework. For example, if there is a QA process on the file, a user looking over the curative tasks may decide that it needs to be reworked. The user clicks the rework checkbox and a Curative Rework Needed action will be added to the file.
Curative levels can be set on curative items when curative types are defined. In addition, at the file level, the user can also set or change the curative level on each curative item. If it is determined that the curative level should be higher or lower at the time that the curative item is being added, the processor can elect to change the curative level to a more appropriate one.
This can be useful when used in conjunction with curative level triggers. A trigger can be set to create an action and/or change the file status when the file’s overall curative level is set. A file’s curative level is determined when all of the curative items on a file are marked as Approved. At that time, the system look at all of the curative items on a file and finds the one with the highest level. The is the curative level to which the file is set.
Marking a File Clear to Close or Clear for Policy
There is built in functionality that, when a user clicks Clear to Close on the Curative panel, it will change the file status to Clear to Close. This can be used to indicate to internal users when it is okay to proceed with the signing. Likewise, the Clear to Policy will change the file to Clear for Policy.
NOTE: The Clear to Close and Clear for Policy will not change the file status if all items in the respective sections have not been marked cleared. User will get the following warning:
The user will only be allowed to override if they have the respective internal user role Admin/Override Clear to Close or Admin: Override Clear for Policy enabled.
Pre-closing curatives are items that need to be handled before a closing can occur. Some examples are:
- Payoffs for specific liens
- Payoff state lien
- Payoff deed of trust
- Judgment payoff
- Trust documentation to review prior to closing
- Verifying marital status of seller/buyer/borrower
- Vesting issues
Admin\Curative Types\Pre-Closing Curative Types
Pre-closing curatives generally should be completed before disbursing. If the curative is an item that should be cleared before disbursement, check the Don’t Allow Disbursements if Not Cleared checkbox when editing the pre-closing curative type.
NOTE: Enabling the internal user role for Settlement: Override Curative Disbursement Restrictions will allow a user to disburse even if not all these items have been cleared.
Pre-Closing curatives can be added manually, as an auto-add based on a lien or restriction, automatically based on an action list, or be added using action affects.
Policy curatives are items that need to be resolved before a policy can be issued. Some examples are:
- Holding policy for a reconveyance.
- Property inspection prior to issuing policy/endorsement.
- Need additional deeds.
- Holding policy for payment from customer.
Admin\Curative Types\Policy Curative Types
Policy curatives generally need to be cleared before the final policy can be issued. If the curative item is one that should be cleared before disbursement, check Don’t Allow Disbursements If Not Cleared. If the curative item is one that should be cleared before the policy is issued, do not check Don’t Require Cleared to Mark “Clear for Policy.”
Policy curatives can be added manually in the Curatives tab, automatically based on an action list, or be added using action affects.
Adding Curatives to Files
Admin\Search Data\Lien & Requirement Types
Pre-closing curatives can be created to be automatically added when any lien/requirement is added to a file. If, for example, there is a requirement for a copy of a trust, a corresponding curative item can be added.
NOTE: This is only available for pre-closing curatives. The curative item must be created before it can be tied to a lien or requirement type.
Requirement added in the Search Data tab:
Pre-closing curative added in the Curative tab:
Admin\Action Lists\Action Lists
Curative items can be automatically added to files on file creation based on the action list used on the file:
Admin\Action Lists\Action Groups\Edit Actions
A curative item can be added to a file based on an action being started or completed:
Using Affects to Clear Curatives:
Admin/Action Lists/Action Groups/Edit Action Group/Edit Affect
Action affect to mark a curative item as internally cleared:
Completing the action Escrow: Receive Assessments marks the Assessments curative item as cleared by the user who completed the action:
NOTE: If an action was created as a result of a curative being added to the file, marking the curative as cleared will automatically complete the action.
Common Setup Examples:
Single Clear Curative action for all curative items
Multiple curative items can be used to track individual items that need to be resolved prior to closing or issuing policy. Once all curatives are cleared, the user would complete the single action for Clear Curatives. This solution results in fewer actions for users to complete while still keeping track of individual curative items. The user will need to go to the Curatives tab to see what needs to be cleared instead of viewing these items from the Actions tab.
Separate action for each curative item
Using action triggers, actions can be added, started, and completed based on curatives being added and cleared on a file. Using action affects, curatives can be added and marked cleared. Trying an action to each curative ensures that, on the home screen, a task will display for each curative item that needs to be cleared; this solution will result in more actions on a file, but may make it easier for users to determine what still needs to be done before closing or issuing policies.
Single Clear Curatives action for common curative items and separate actions for additional/unique curatives
A single Clear Curatives action can be used for curative items that are on every file and users can add additional curative-specific actions for special or unique curative items. These curatives would either be manually added or added based on liens or requirements that are added to a file. This solution will result in fewer actions on a file than having a separate action for each curative item, but may be less clear as to which curatives fall under the single action and which curatives have their own action.