How to Send Appraisal Reports via SureReceipts in DataCourier

Overview

DataCourier provides a secure and compliant way to deliver appraisal reports to borrowers using the SureReceipts feature. This method protects sensitive information, avoids the risks of unencrypted email attachments, and supports compliance with GLBA and ECOA requirements. This article explains how to send an appraisal to a borrower through SureReceipts and what the borrower experiences when receiving the report.

How to Open SureReceipts

DataCourier gives you a secure way to deliver a copy of the report to the borrower, as is often required for compliance. Using this feature in DataCourier is better than attaching a PDF to an unencrypted e-mail, since such unsecure attachments may constitute violations of GLBA. Here's how it works:

1. When you've received an appraisal, double-click the DataCourier file to view the Property Details.

2. On the toolbar, click Send via SureReceipts.

   

3. In the dialog that appears, you can enter the Borrower's e-mail address.  Use a semicolon (;) to separate multiple e-mail addresses.

   

4. In the Notes field, enter any notes you'd like the borrower to see when they receive the notification that you've delivered the appraisal.

Click Send to deliver the appraisal to the recipients' e-mail addresses.

What the borrower sees

DataCourier covers your bases regarding the Equal Credit Opportunity Act (ECOA) rules.  The steps below outline the general workflow of what the borrower or co-borrower sees when a report is delivered using the SureReceipts feature.

When the borrower selects the download documents button in the e-mail notification they receive, they are directed to the SureReceipts delivery web page.

From the delivery page, the recipient selects the Download Document button to receive the documents.

1. When you deliver an appraisal to the borrower or co-borrower, they must acknowledge or decline consent to download the report electronically.

Note: Regardless of which option the borrower chooses, the response will be placed in the order's audit trail. If a borrower declines to receive it electronically, you will be notified. This allows you to mail a hard copy in compliance with ECOA.

2. Once the borrower has consented to downloading the appraisal, they download the authorization code required to obtain the PDF file. When the borrower clicks the Download Auth Code button, a PDF file is downloaded that contains the authorization code.

3. The borrower then copies and pastes or manually enters the auth code from the PDF file into the Auth Code field. When the borrower has entered the auth code, they simply click Download Appraisal to download the completed report.

Note:  When the borrower agrees to the ECOA guidelines and downloads the appraisal electronically, a SureReceipts Compliance Certificate is created and attached to the order.

An event appears in the order history when the borrower downloads and views the PDF.

Outcome

After completing these steps, you will be able to securely deliver appraisal reports to borrowers using SureReceipts. You will also understand the borrower consent process, how document access is controlled, and how compliance activity is recorded in the order history. This helps ensure documents are delivered safely, tracked accurately, and handled in line with regulatory requirements.