"""
<h3 id="added">🎉 Added</h3>\n
<ul>\n
<li>\n
<p>TTLT-13211 Added payment authorization with document signing, settlement offers, configurable per-loan-group payment controls/messaging, and customer portal modernization.</p>\n
</li>\n
<li>\n
<p>TTLT-12259 #14451 Added Interest Rounding Mode field to loan types with three options: Round Down (accumulates fractional interest, rounds at &gt;0.99¢), Round Up (accumulates fractional interest, rounds at ≥0.5¢), and Truncate (never accumulates, always drops fractional cents).</p>\n
</li>\n
<li>\n
<p>TTLT-12157 #14410 Gave simpler version of add checking account and verify employment.</p>\n
</li>\n
<li>\n
<p>TTLT-10487 add the ability to toggle between lienholder information on the MV1 automation.</p>\n
</li>\n
<li>\n
<p>TTLT-11636 New Universal Wildcard that turns any return reason into an R01.</p>\n
</li>\n
<li>\n
<p>TTLT-11709 #14224 added user customized hot-keys.</p>\n
</li>\n
<li>\n
<p>TTLT-11704 #14220 Added additional search options for the search for whatever bar.</p>\n
</li>\n
<li>\n
<p>TTLT-11709 #14224 added user customized hot-keys.</p>\n
</li>\n
<li>\n
<p>TTLT-11704 #14220 Added additional search options for the search for whatever bar.</p>\n
</li>\n
<li>\n
<p>TTLT-11130 #14237 Added bulk updating of notes.</p>\n
</li>\n
<li>\n
<p>TTLT-11759 #14255 Valmar bank routing verification for payment methods with re-validation on enable.</p>\n
</li>\n
<li>\n
<p>TTLT-11793 #14264 Added bulk hiding and clearing of notifications.</p>\n
</li>\n
<li>\n
<p>TTLT-11661 #14272 toggle in failed funding alerts in dashboard.</p>\n
</li>\n
<li>\n
<p>TTLT-11621 #14198 LeadSafe Integration. Add new decisioner to leads settings. New status bar in\n
Customer page when LeadSafe is setup.</p>\n
</li>\n
<li>\n
<p>TTLT-11794 #14263 Added ACH Credit and Debit Transaction Credentials for Loan Payment Pro</p>\n
</li>\n
<li>\n
<p>TTLT-9636 #14090 Alphabetize Contract Template Dropdown When Creating or Editing Loan Types.</p>\n
</li>\n
<li>\n
<p>TTLT-11612 #14284 Add option for 'Last 60 Days' to nacha dashboard chart</p>\n
</li>\n
<li>\n
<p>TTLT-6199 added funding fee and automation step for the customer to choose.</p>\n
</li>\n
<li>\n
<p>TTLT-11709 #14224 added user customized hot-keys.</p>\n
</li>\n
<li>\n
<p>TTLT-11704 #14220 Added additional search options for the search for whatever bar.</p>\n
</li>\n
<li>\n
<p>TTLT-11252 #14285 remove powerbi charts</p>\n
</li>\n
<li>\n
<p>TTLT-11387 #14126 Implemented better Customer Activity Feed responsiveness on mobile and\n
scrollability on web.</p>\n
</li>\n
<li>\n
<p>TTLT-11861 #14315 Added a quick link option from Loan View to the reference Loan Type or Loan Group.</p>\n
</li>\n
<li>\n
<p>TTLT-9459 #13991 lender setting to prevent search engines from crawling the /register route.</p>\n
</li>\n
<li>\n
<p>TTLT-11911 #14343 <code>loan_term</code> column to Basic Loan Report with min/max filtering and sorting\n
support.</p>\n
</li>\n
<li>\n
<p>TTLT-11909 #14318 API documentation where example showing invalid datetime format causing discrepancies.</p>\n
</li>\n
<li>\n
<p>TTLT-10198 #13852 Added payment void functionality for pending processed payment, a confirmation\n
modal, and audit logging for void attempt.</p>\n
</li>\n
<li>\n
<p>TTLT-9837 #13660 communications template trigger event based on Amortization Schedule Payment dates\n
with configurable days-before reminder and toggle to include/exclude written-off loans\n
(default: exclude) to prevent unwanted customer notifications.</p>\n
</li>\n
<li>\n
<p>TTLT-11590 #14290 logger to identify the sinch issue.</p>\n
</li>\n
<li>\n
<p>TTLT-12152 #14408 Allow fluid pay card vaulting to be toggled off and on in payment processor settings.</p>\n
</li>\n
<li>\n
<p>TTLT-10177 #14098 override NSF fee apply logic based on loan type <code>always use fixed nsf fee</code> toggle.</p>\n
</li>\n
<li>\n
<p>TTLT-10442 #13857 APIs for loan/customer tag management (add/remove, get customer tags),\n
extended loan/customer add/update APIs to support tags, and introduced default tag APIs (get/add).</p>\n
</li>\n
<li>\n
<p>TTLT-12152 #14408 Allow fluid pay card vaulting to be toggled off and on in payment processor settings.</p>\n
</li>\n
<li>\n
<p>TTLT-9971 #13708 Add Past Due Balance Fields In Loan Custom Report.</p>\n
</li>\n
<li>\n
<p>TTLT-13304 Added additional GL setting for write offs.</p>\n
</li>\n
<li>\n
<p>TTLT-12123 #14401 Loan Originator Metrics Dashboard refinement</p>\n
</li>\n
</ul>\n
<h3 id="changed">♻️ Changed</h3>\n
<ul>\n
<li>TTLT-11749 #14254 restriction of e-check payments to employees only.</li>\n
</ul>\n
<h3 id="fixed">🐛 Fixed</h3>\n
<ul>\n
<li>TTLT-13265 #15003 Fixed prohibited employer check using exact string matching instead of substring\n
matching, allowing employers containing blacklisted keywords to bypass auto-funding QA checks.</li>\n
<li>TTLT-13479 Fixed <code>payments:run-scheduled</code> command query bug where a top-level <code>orWhere</code> bypassed active status filters for line-of-credit loans. Moved suspension and payment authorization checks to query level and added targeted database indexes.</li>\n
<li>TTLT-13128 #14913 Fixed failing tests on CFW branch.</li>\n
<li>TTLT-13085 #14898 Fixed prenote lead days not considering holidays.</li>\n
<li>TTLT-13063 #14944 Fixed extra space typo (&quot;t hat&quot; → &quot;that&quot;) in military checkbox label text.</li>\n
<li>TTLT-13019 Fixed &quot;Remove Loan from Paydoff&quot; button not visible when loan is inactive due to\n
customer bankruptcy or loan sold.</li>\n
<li>TTLT-12663 Fixed N+1 query issues on customer portal home page (<code>/home</code>) causing slow load times by removing\n
circular <code>fees.loan.*</code> eager loading, optimizing HistoricalLoans component to lazy-load data,\n
consolidating duplicate settings lookups, adding database indexes for portal queries, and replacing\n
in-memory sorting with SQL-based sorting.</li>\n
<li>Fixed CDYNE and SolutionsByText SMS webhook handlers incorrectly setting outbound message status\n
to &quot;Received&quot; when customer replies arrived. Also fixed CDYNE delivery receipt detection to\n
recognize DLR string format (<code>stat:delivrd</code>) in addition to <code>DeliveredToDevice</code>, ensuring messages\n
are properly marked as &quot;Delivered&quot; when carrier confirms delivery. Bug was introduced in TTLT-11627.</li>\n
<li>TTLT-12054 #14454 loan incorrectly displaying as written off because <code>isDirty()</code> requires the\n
database column name (<code>paid_off_at</code>), not the camelCase accessor, to properly mark loan as paid off.</li>\n
<li>TTLT-12202 #14426 failing tests.</li>\n
<li>TTLT-11958 #14394 report delays caused by optimizing <code>ACH Revoked</code>,<code>ACH Not Revoked</code>\n
and <code>No Active Payment Method</code> filter queries with proper JOIN patterns, adding database indexes,\n
and using EXISTS instead of COUNT subqueries.</li>\n
<li>TTLT-12085 #14386 bulk communication and bulk maintenance buttons not working correctly when\n
bulk limit was set to 0 or null, now properly falls back to default limit.</li>\n
<li>TTLT-9162 #13975 an issue where a payment processor could be created with the same name.</li>\n
<li>TTLT-11932 #14332 <code>work_time</code> column in BasicLoanReport to display <code>worked_at</code> datetime with\n
proper timezone formatting and filtering.</li>\n
<li>TTLT-11462 #14153 Added in Audit Log button to withdrawn loans. Resolved alongside TTLT-2042</li>\n
<li>TTLT-11083 #14076 auto-funding for refinanced loans created via Lead API by setting default payment\n
method and updating origination type.</li>\n
<li>TTLT-11605 #14183 <code>Reloan Add Amount</code> in loan group and an extra check in auto fund setting to prevent\n
auto fund when loan amount is higher than customer's credit limit.</li>\n
<li>TTLT-11710 #14233 a bug where customer without created date in system throwing 500 error.</li>\n
<li>TTLT-10477 validation for blacklist settings to prevent saving when fields end with comma or symbol,\n
displaying page-level validation errors with scroll-to-top functionality, inline error messages\n
for each field and automatic trimming of trailing whitespace.</li>\n
<li>TTLT-11428 #14244 a bug where ACH payments processed but loan status did not updated.</li>\n
<li>TTLT-11403 #14144 a bug where refinance date on loan is updating everyday when reset on each payment is\n
enabled in lender setting under <code>Refinance Eligibility Settings</code>.</li>\n
<li>TTLT-11492 #14179 critical security vulnerability where deactivated employees could remain logged in\n
and continue accessing the system by revoking tokens and blocking requests immediately upon deactivation.</li>\n
<li>TTLT-11009 #14134 a bug where vehicle information pop-up appears on denying loan.</li>\n
<li>TTLT-10654 #13887 a bug where deactivated users cannot be filtered in custom reports.</li>\n
<li>TTLT-11078 <code>loans:update-next-due-date</code> command breaking when processing loans with invalid\n
week/weekday data by adding error logging.</li>\n
<li>TTLT-9032 #13874 UI and functional issues in the Customer Optins Report, including incorrect\n
sorting, hidden filters, and broken download functionality.</li>\n
<li>TTLT-11651 #14205 a bug where employment verification automation would fail with number of payments\n
may not be zero error when loan term is shorter than payment frequency period.</li>\n
<li>TTLT-11633 #14195 API documentation not loading when adding /api/docs to instance URL.</li>\n
<li>TTLT-10276 #13964 bug where student detail validation message persisted after closing and\n
reopening the form.</li>\n
<li>TTLT-11327 #14156 Fix intermittent issue where loan update webhooks showed loan_status as &quot;Funded&quot;\n
but fundedAt was null when queried via API.</li>\n
<li>TTLT-10469 #14164 validation issues on the Register page by adding proper inline error messages,\n
improving email and input validations for a smoother, error-free user experience across all\n
environments.</li>\n
<li>TTLT-10961 #14023 duplicate &quot;Billing Statement Placeholders&quot; section in template form that was causing\n
placeholders to appear twice with ensuring consistent event handler usage across all placeholder\n
sections.</li>\n
<li>TTLT-11337 #14219 issue where outbound messages remained in the <code>Sending</code> state by properly syncing\n
with Sinch delivery statuses.</li>\n
<li>TTLT-9745 #13892 edit comment functionality based on role/permissions, with audit logging\n
for updated comments and edited badge on comment.</li>\n
<li>TTLT-10234 #12232 a bug where loan created with negative origination fee.</li>\n
<li>TTLT-11610 #14199 the duplicate display of the &quot;Assign full fee on origination and recalculate\n
early payoff&quot; setting for Fee-Based Loan Type and ensured the option appears only once.</li>\n
<li>TTLT-11694 #14229 an issue where negative payoff amounts were generated when remaining interest was\n
overpaid by 1 cent or less due to floating-point precision.</li>\n
<li>TTLT-11338 #14129 a bug where no audit log showing when automation was dismissed.\n
-TTLT-11684 # Loan Type selection on loan creation works properly when a loan type serves multiple states.</li>\n
<li>TTLT-2042 #14153 Fixed payment method primary status not properly unsetting other primary methods\n
of the same type, added disabled badge display,\n
and implemented alphabetical sorting by type and title.</li>\n
<li>TTLT-11626 #14227 payment method not being disable with return payments issue.</li>\n
<li>TTLT-11609 #14189 addressed cash drawer validation logic and employee foreign key constraint issues.</li>\n
<li>TTLT-11331 #14276 a bug where days late is calculating incorrectly if days late method is <code>Due Date</code>.</li>\n
<li>TTLT-10889 #14301 a bug where CSV export from custom reports produced duplicate rows when sorting by\n
non-unique fields (e.g., <code>approved_at</code>).</li>\n
<li>TTLT-11595 #14281 crash when contract template is missing during signing, with graceful error handling,\n
notifications to customer and admin, and activity feed comment for tracking.</li>\n
<li>TTLT-11708 #14239 a bug where empty name in OAuth client caused a database error.</li>\n
<li>TTLT-11301 #14122 TypeError in <code>loans:update-first-payment-default</code> command caused by missing\n
customer_id in select statement. Also added try-catch block and error logging for better error\n
handling.</li>\n
<li>TTLT-11945 #14327 a bug where lead settings were not saving.</li>\n
<li>TTLT-11890 #14333 a bug where Sinch request is outgoing with empty numbers when customer don't have\n
mobile phone in their account.</li>\n
<li>TTLT-11414 #14231 funding payment form validation issue.</li>\n
<li>TTLT-11624 #14197 a bug where endpoint <code>/api/leads</code> creating payment methods without bank name.</li>\n
<li>TTLT-9386 #13981 multiple co-borrower portal issues including payment authorization blocking,\n
password reset re-directions, first login password requirements, loan filtering, payment method access,\n
portal navigation display, and co-borrower information update redirects.</li>\n
<li>TTLT-11916 #14330 Contract Signed date filter in Loan Reports to use company timezone instead of UTC.</li>\n
<li>TTLT-11634 #14226 immediate refresh of customer status after email bounce to ensure consistent\n
bounce status between email and customer.</li>\n
<li>TTLT-11048 #14044 a bug in <code>SendCustomerBirthdayNotifications</code> command where customers with empty\n
birthdate strings caused database query errors. Added defensive filtering to exclude invalid\n
birthdate values.</li>\n
<li>TTLT-12035 #14364 <code>customer name</code> filter in payment report.</li>\n
<li>TTLT-11627 #14266 CDYNE webhook not properly storing SMS delivery timestamps, issue of handle\n
failed status, which caused Delivered At timestamps to be missing in Communication Reports.</li>\n
<li>TTLT-11953 #14365 an issue where Reports does not automatically reset to Page 1 when filters\n
are applied.</li>\n
<li>TTLT-11771 #14321 a bug where empty string values for payment day fields caused error\n
<code>invalid input syntax for type integer</code> in verify employment information automation.</li>\n
<li>TTLT-10816 #14280 a collector field for cash payment type when recording a manual payment.</li>\n
<li>TTLT-10572 #14251 Standardized the Home Phone and Mobile Phone fields across all custom reports,\n
unified the search behavior, and prevented unnecessary reloads on keyup.</li>\n
<li>TTLT-11860 #14320 500 error with user-friendly popup when 2FA login fails due to missing email\n
configuration.</li>\n
<li>TTLT-11946 #14329 Notification Settings validation to require at least one recipient and graceful\n
handling of deleted recipients to prevent 500 errors during contract signing.</li>\n
<li>TTLT-12000 #14352 server error while sending webhook update when tag changed on payments.</li>\n
<li>TTLT-11953 #14349 an issue in the Loan Report where loans with a signed contract were incorrectly\n
appearing under the “Without Signed Contracts” status.</li>\n
<li>TTLT-12077 #14381 edit loan form validation issues including max value constraints, and\n
auto-scroll to validation errors.</li>\n
<li>TTLT-12047 #14367 <code>Return At</code> and <code>Settled On</code> sorting for payment report.</li>\n
<li>TTLT-9359 #14286 Numeric fields in the Loan Type form now show proper validation messages instead\n
of throwing exceptions.</li>\n
<li>TTLT-12078 #14382 a bug where reapply attempts from customer portal with written off loan and without\n
automation for event <code>Customer Applied For Loan</code> gives an unusual error.</li>\n
<li>TTLT-12094 #14392 invalid daily auto Re-Age adjustments.</li>\n
<li>TTLT-11873 #14395 a bug where custom loan reports showing inconsistent loan counts with identical filters.</li>\n
<li>TTLT-11681 #14228 a bug where max contract signing distance noy met but still loan approved by auto funding.</li>\n
<li>TTLT-12136 #14404 a bug where funded loans become withdrawn if approval date removed before funding\n
payment posted.</li>\n
<li>TTLT-12090 #14400 a bug where payments routing to incorrect payment processor on attempting EFT payments.</li>\n
<li>TTLT-12154 #14409 a bug where changing status of payment to voided manually behaving as paid and causing\n
sometimes loans paid in full.</li>\n
<li>TTLT-10451 #13906 Loan Group names being incorrectly replaced by Industry Type verbiage settings.</li>\n
<li>TTLT-12147 #14411 Send Totality Loan ID as Order ID in NMI transactions for improved payment\n
reconciliation and support investigations.</li>\n
<li>TTLT-12124 #14402 an issue where invalid messahe is showing while adding debit card using card token.</li>\n
<li>TTLT-10697 #13958 misleading validation message when non-numeric values entered money fields of\n
manual payment form.</li>\n
<li>TTLT-11536 #14167 a bug where prenotes were not sent for auto scheduled customers despite having\n
processor settings.</li>\n
<li>TTLT-12151 #14415 a bug where IBV QA Check showed Failed after approval due to verification status\n
being overwritten.</li>\n
<li>TTLT-12088 #14388 clicking confirm button more than once sends several bulk communications.</li>\n
<li>TTLT-10733 #13896 error when attempting to delete a non-existent attachment.</li>\n
<li>TTLT-10165 #13794 payment process fallback display order.</li>\n
<li>TTLT-9765 #13588 issue with <code>Total Payments</code> column mismatch on dashboard and added missing breakdown\n
for pending payments.</li>\n
<li>TTLT-12166 #14418 server error on searching with multiple loan IDs in fee custom reports.</li>\n
<li>TTLT-12165 #14422 wrong bank account displayed on contract checks.</li>\n
<li>TTLT-10949 #14095 API to allow write-off field updates on active loans.</li>\n
<li>TTLT-12045 #14372 a bug where &quot;Recorded Manual Payments&quot; filter in Payment Report incorrectly showed\n
rejected payments when their linked scheduled payment was soft-deleted.</li>\n
<li>TTLT-11086 #14080 issue where only 50 refinanceable customers appeared in bulk communication;\n
updated logic to display all eligible customers while keeping opt-out customers visible but\n
non-selectable.</li>\n
<li>TTLT-9631 #13732 Amount Paid field not rendering correctly when recording manual payments.</li>\n
<li>TTLT-10777 #13973 a bug where longer values in <code>months_at_address</code> of <code>Verify Address</code> automation step.</li>\n
<li>TTLT-10448 #13855 validation to require city, state, and postal code fields when street address is\n
provided for employment income sources.</li>\n
<li>TTLT-11697 #14218 a bug where saving some fields are not saving correctly in loan type.</li>\n
<li>TTLT-11925 #14371  Loan Report filters for Final Payment and Paid Off (After/Before) now load\n
correctly and no longer get stuck when processing large datasets.</li>\n
<li>TTLT-12232 #14443 a bug where changing loan type in pending loan causing negative origination fee.</li>\n
<li>TTLT-12233 #14442 reprocessing of returned payment causing wrong written off interest.</li>\n
<li>TTLT-12406 #14482 validation for maximum payments allowed in Loan Group setting.</li>\n
<li>TTLT-12227 #14435 server error on opening custom payment report.</li>\n
<li>TTLT-12173 #14427 incosistencies of card expiration date between <code>POST</code> and <code>Get</code> APIs of payment methods.</li>\n
<li>TTLT-12313 #14463 a bug where in manual payments, fields are not accepting the value greater than loan\n
pay off amount.</li>\n
<li>TTLT-12185 #14432 a bug where watch statuses on customer not suppressing refinance eligibility marketing.</li>\n
<li>TTLT-13069 #14907 wrong default for auto draft setting on loan type form.</li>\n
<li>TTLT-13129 #14919 server error on submitting organic application throgh register page.</li>\n
<li>TTLT-13055 #14900 a bug where <code>origination fee perentage with apr</code> is overriding by loan types value.</li>\n
<li>TTLT-12082 #14923 Leads passing underwriting were incorrectly rejected at Lead Post due to broad\n
email matching. Rejections now include a clear reason.</li>\n
<li>TTLT-12996 #12897 a bug where Texas CAB Annal report CSV fetching duplicate results for 6G/6H and\n
7G/7H results.</li>\n
<li>TTLT-13189 #14970 server error on adding employer column to loan report v2.</li>\n
<li>TTLT-12327 #14954 incorrect verbiage for business rules based on pay frequency.</li>\n
<li>TTLT-13202 #14976 a bug where campaign is missing from <code>add_lead</code> in dialer crocodial API.</li>\n
<li>TTLT-13209 #14977 validation error preventing updation of lender settings.</li>\n
<li>TTLT-12377 #15005 a bug where customers were not able to make payments on written off loans.</li>\n
<li>TTLT-12976 #14997 a bug where CSO is missing from loan when creating from APIs.</li>\n
<li>TTLT-13053 #15004 a bug where aging report taking long time to load.</li>\n
<li>TTLT-13239 #14992 a bug where loan is becoming auto shceduled on final amortization due date which\n
causing 2 scheduled payment on loan on same day.</li>\n
<li>TTLT-13288 #15011 payment form not closing after clicking submit.</li>\n
<li>TTLT-13038 #15056 store hours placement on loan group form.</li>\n
<li>TTLT-13298 #15072 a bug where sometimes message got stuck in sending status and not attempted by provider.</li>\n
<li>TTLT-13317 #15051 server error on completing <code>Verify Address</code> automation step.</li>\n
<li>TTLT-13500 #15163 a bug where <code>Immediate Write-Off on Bankruptcy</code> toggle incorrectly required on loan group.</li>\n
<li>TTLT-13287 #15010 server error and layout issue on payment export.</li>\n
<li>TTLT-13575 #15195 server error on accessing customer accounts.</li>\n
<li>TTLT-13681 #15251 money transfer schedule type validation.</li>\n
</ul>\n
<h3 id="removed">🗑️ Removed</h3>\n
<ul>\n
<li>TTLT-11915 #14351 version display and changelog link from the sidebar footer.</li>\n
<li>TTLT-12130 #14413 unnecessary logging events causing bugsnag events are dropping.</li>\n
</ul>\n
"""
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