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Release Notes

Versioning​

The Informed API is continuously under development so that we can bring you valuable new functionality, enhanced features and bug fixes.

The Informed API is versioned. The current version of our API is v1. This is denoted in the API endpoints that you call as shown below:

https://api.staging.informediq-infra.com/v1/auto/applications

where the v1 is included in the path v1/auto/applications.

The version numbering used by Informed will follow the semantic versioning principles.

For a list of recent updates, see below.

Recent releases​

 January 21, 2026 ​

API​

  • Added several extraction improvements:
    • Corrected certain income documents with exaggerated big numbers
    • Improved line numbers being added to address on driver’s license
    • Improved effective/expiration dates on verification of coverage

Auto lending​

  • Added the ability to automatically stip based on the application channel (direct vs indirect)
  • Refined extractions for gap binder form numbers

User Interface (UI)​

  • Adjusted HITL autofill such that it respects the field data type
  • Added configurability to define the required fields in the references screen of CollectIQ
  • Provisioned a Funded Email to dealer when loan is put in funded status

Other​

  • New document types added for classification:
    • disbursement_authorization
    • lexis_nexis_vehicle_registration
    • pension_award_letter
    • property_ownership_report
    • quitclaim_deed
    • real_estate_tax_statement
  • Numerous classification bug fixes

 January 8, 2026 ​

API​

  • Added support for configurable parameter of number of days in a year for income calculation purposes

Auto lending​

  • Added support document automation for risc_addendum document type
  • Added extractions for collateral_damage_repair_acknowledgement documents
  • Added support for applicant address extractions on rental_lease_agreement documents
  • Added extraction support for ELT code and sales price from power_of_attorney_retail documents
  • Improved extractions of issue date found on bookout sheets
  • Improved AZ Title VIN extractions
  • Continued improvements on RISC itemization balancing

User Interface (UI)​

  • API-initiated PDF summaries will now use the optimized PDF generation workflow

Fraud​

  • Various misrepresentation detection improvements
  • Reduce false positives from Paychex analyzers flagging Paycor paystubs

Other​

  • New doc_type supported for classification:
    • reamortization_correction_letter
  • Numerous classification bug fixes

 December 10, 2025 ​

Auto lending​

  • Added support for the concept of an "owner" in the context of lease title applications
  • Added support for extractions from business_lease_consent_form
  • Added support for extractions from trust_certification
  • Added assigned_without_recourse field on the sellers_assignment_contract document type
  • Added a battery_protection form for ancillary product support
  • Added support for extractions from verification_of_use form
  • Added lienholder extraction on title_certificate
  • Added additional_warranty_name and additional_warranty_amount fields on motor_vehicle_lease_agreement
  • Added support for extractions from certificate_of_authority
  • Enhanced itemization balancing on contracts
  • Added extractions for the itemization section on loan_and_security_agreement

Other​

  • New document types added:
    • risc_addendum
    • certificate_of_authority
    • vehicle_value_protection_agreement
  • Various classification bug fixes

 November 12, 2025 ​

Auto lending​

  • Improved late fee percentage extractions on RISC's
  • Enhanced lienholder field extractions on buyers order
  • Improved general extractions on title applications and VSC
  • Continued work to improve balanced itemization on RISC's

Fraud​

  • Added support for serializing misrepresentation reason codes in verifications response
  • Made accuracy improvements on flagging ADP paystubs that have formatting/typography issues
  • Added support for quantifying document quality, which will help improve accuracy of math related fraud checks

Other​

  • New document types added:
    • learners_permit
    • verification_of_use
    • waiver_of_purchasers_right_to_sue
    • visa
  • Added protection against classification confusion if there are more than 7 different document types on a single page (Multipe Documents, Single Page - or MDSP)
  • Various classification bug fixes

 October 29, 2025 ​

API​

  • Add support for co-applicant (multi-ownership) for ATPI when needed

Auto lending​

  • Add support for dynamic verifications based on buyers order itemization
  • Add extractions for Lessee Billing Address on MVLA
  • Add support for form number extractions on loan_and_security_agreement
  • Add registration_fee to RISC fee categories
  • Improved vehicle model extractions on bookout sheets
  • Add extractions for applicant county as part of address on MVLA

User Interface (UI)​

  • Add application history events for Ignore Docs via API and structured data uploads
  • Improve configurable statuses to not expire Dealer Verify links
  • Add ability to send primary dealer an email when they create an app and after first verification run in standalone Dealer Verify portal
  • Display filter totals in the VerifyIQ user interface
  • Add bank statement transaction filtering and sorting to Income Transparency feature
  • Align labels in VerifyIQ with verifications response
  • Continued enhancements around smaller size documents being returned in both VerifyIQ and extraction webhook calls

Other​

  • Various classification bug fixes

 October 15, 2025 ​

API​

  • Bug fixes related to decreasing file size of document images retrieved via extractions response webhooks

Auto lending​

  • Improve lienholder name extractions on VSC
  • Standardize vehicle make extractions on documentary_draft and buyers_order
  • Allow for custom dynamic stipping rules based on data from document extractions
  • Add extractions for lease_commercial_addendum
  • Add extractions for dealer address and total vehicle price from window_sticker
  • Add extractions for final payment amount from loan_and_security_agreement
  • Add Extractions for VSI (Single Interest Insurance) fields on contracts (including loan and security agreements)

Fraud​

  • Added additional support for flagging PDF files which have had edits to them

User Interface (UI)​

  • Added the ability to configure DealerVerify application page based on channel

Other​

  • Various classification bug fixes

 October 1, 2025 ​

API​

  • [No-API] Use start date from credit application for income start date determination
  • Optimize classified document image size to decrease returned file size (note this is feature-flagged, so account reps will work with partners to enable as needed)
  • Expose the application initial_status and current_status values in GET response to match verifications webhook

Auto lending​

  • Add application_id extraction on credit approval
  • Add extractions for dealer address and total vehicle price on window stickers
  • Add lienholder address field extraction on Lien Entry Form
  • Add additional lienholder field extractions on buyers order
  • Add lease assignment/arranger and assignment checkbox field extractions on MVLA
  • Add extractions for VSI (Single Interest Insurance) fields on contracts (RISC/LSA)
  • Improved late fee percentage extractions on RISC's for certain form numbers
  • Enhanced buyers order aftermarket product extractions for eventual use in automatic stipping
  • Added dealer address extraction as address components on RISC instead of as a single text field

Fraud​

  • Added support for flagging when an employer's paystub formatting is different relative to what it usually is
  • Added additional support for flagging fraudulent paystub templates
  • Made accuracy improvements flagging font-related anomalies across paystubs and bank statements

Other​

  • Numerous classification bug fixes

 September 17, 2025 ​

API​

  • Return a properly constructed and formatted VerifyIQ link for the application in the synchronous API response to the initial POST registration call

Auto lending​

  • Continued enhancement of RISC itemization extractions
  • Enhanced mileage extractions from title applications
  • Add support for new extractions for privacy_notice
  • Add extraction of trade-in lienholder from credit approvals

Fraud​

  • Added additional support for flagging fraudulent Paychex paystubs utilizing formatting and typography
  • Made accuracy improvements on flagging paystubs that have excessive numeric collisions

User Interface (UI)​

  • Standalone Dealer Verify Portal - Ability to configure channel card title
  • Standalone Dealer Verify Portal - Ability to view and change dealer email address in VerifyIQ
  • Standalone Dealer Verify portal - Filter by dealer email address in VerifyIQ for applications created in the portal
  • Added ability to view and change channel in VerifyIQ
  • Optimization of Verification Summary PDF file size

Other​

  • Classification bug fixes and improvements

 August 20, 2025 ​

API​

  • Added extractions support for the Carfax Vehicle History Report
  • Added extractions support for the Maserati CPO Warranty Card as part of the warranty_card document type
  • Added extractions support for the Lease Property Tax form
  • Added current_status and initial_status to verifications callback to summarize overall application status
  • Add loss_payee and loss_payee_address to vehicles array on verification_of_coverage

Auto lending​

  • Added extraction of trade-in lienholder from credit_approval
  • Added extraction of joint intent checkbox from credit_application
  • Improved the extractions of taxes and fees in itemization of gross cap cost and added other new fields on the motor_vehicle_lease_agreement

Fraud​

  • Added additional support for flagging fraudulent paystub templates
  • Made accuracy improvements on flagging PDF files containing misrepresentation-related edits

Other​

  • Classification bug fixes and improvements

 August 6, 2025 ​

API​

  • Enforced consistent extractions of applicant info on single ownership document types

Auto lending​

  • Improved detection of e-signatures
  • Improved extractions of dealer signature section on service contracts and title applications
  • Improved dealer name extractions on contracts
  • Added extractions for taxes and fees from the amount due at lease signing on motor vehicle lease agreements
  • Added extractions for optional insurance products on motor vehicle lease agreements
  • Enhanced extractions of VIN's and mileage amounts when each digit is in its own box on the form
  • Added payment_type indicator of capitalized or paid_upfront on all insurance products, taxes and fees on motor vehicle lease agreements
  • Added better differentiation between GAP provider and administrator
  • Improved extractions on the documentary_draft document type
  • Added contract_cancellation_option as a type in other_charges
  • Added total_less_order_fee as an extraction on Tesla motor vehicle purchase agreements
  • Added extraction for trim_style on factory invoices

Fraud​

  • Made accuracy improvements flagging misalignment-related anomalies across paystubs and bank statements
  • Added support for flagging phone bills that have collisions on extracted values which should be unique
  • Made accuracy improvements on flagging fraudulent ADP paystubs

User Interface (UI)​

  • Added a file processing status indicator in the VerifyIQ file upload modal
  • [No-API] Added ability to configure a channel attribute for apps created via the No-API portal and the ability to filter them in the VerifyIQ queue
  • Added ability to display and filter apps in the VerifyIQ queue by their created source
  • Removed *_electronic document types from the reclassification drop down menu since no one should be reclassifying paper documents as digital documents

Other​

  • MLLM Classifier Model V2 - new document types added and bug fixes
    • collateral_damage_repair_acknowledgment
    • welcome_letter
    • clean_vehicle_seller_report
    • lease_personal_property_tax_form

 July 9, 2025 ​

API​

  • Improved extractions from ATPI
  • Improved extractions from Verification of Coverage

Auto lending​

  • Added extractions for OCCC notice info on Texas RISC's
  • Added check for Gap Waiver notice being selected on New York RISC's
  • Added ability to capture “Official Fees paid to government” on Illinois RISC's
  • Enhanced extractions for different VIN formats on Factory Invoices

Fraud​

  • Added support for flagging utility bills that have collisions on extracted values which should be unique
  • Made accuracy improvements on flagging fraudulent Wells Fargo bank statements by detecting formatting and typography anomalies

User Interface (UI)​

  • Added ability to generate Verification Summary and Stacked Documents PDF via API request
  • Added a helpful cancellation confirmation modal if a user closes the Doc Upload modal - with documents pending but not yet submitted for upload
  • [No-API] Added ability to deselect verifications from the Application Info modal
  • [No-API] Enhanced Application Info modal so that it displays the superset of - verifications from across all configured No-API cards
  • [No-API] Added ability to configure a callback endpoint to support downstream - automation in the No-API workflow
  • Added ability to override paystub income calculation method in VerifyIQ
  • [Dealer Verify] Added ability to configure the header and instruction verbiage
  • [Dealer Verify] Added application level status icon
  • Added HITL auto-fill for RISC calculator

Other​

  • Classification Model Rev V34 - bug fixes and improvements

 June 25, 2025 ​

API​

  • Added the ability to waive a verification (stip) by status override
  • Added support for dynamic income calculations based on additional document types and their extracted values

Auto lending​

  • Added extractions for lemon_law_disclosure document type
  • Added extractions for documentary_draft document type
  • Added extractions for new risc_commerical_addendum fields
  • Added extraction of lender address from RISC document type

Fraud​

  • Added support for flagging fraudulent Bank of America bank statements by detecting specific anomalous fonts
  • Made accuracy improvements on flagging fraudulent Paychex paystubs utilizing formatting and typography

User Interface (UI)​

  • Added overridden_at timestamps for VerifyIQ question overrides in verification webhook
  • Added the UI functionality in VerifyIQ to support the feature of waiving a verification (stip)

 June 11, 2025 ​

API​

  • Added the ability to correlate between the Informed Defender misrepresentation and income verifications

Auto lending​

  • Enhanced GAP form number extractions
  • Added six new document classification type identifiers:
    • customer_questionnaire
    • documentary_draft
    • form_1099r
    • lease_loyalty
    • title_loan_confirmation
    • warranty_card
  • Expanded extractions on Buyers Order form to allow for more verification flexibility across various workflows
  • Improved address extraction from Credit Application

Fraud​

  • Added additional support for flagging fraudulent paystub templates
  • Added support for detecting the precise change made to a PDF file to differentiate between misrepresentation and clerical-related edits

User Interface (UI)​

  • Improvements to the Application History:
    • The File Upload event will now include the link and document type for all contained documents
    • Expanding or collapsing data in one column will impact all columns for that row
  • Added the ability to change funding status from the VerifyIQ header dropdown (note that this needs to be enabled via configuration so contact your customer representative if this is applicable to your workflow)
  • Hovering on truncated document labels in the VerifyIQ document carousel will now show the full document title
  • Improved HITL error messaging on form submission
  • Reduced file size for the "Export Documents as PDF"

 May 29, 2025 ​

API​

  • Enhanced extractions for factory invoices

Fraud​

  • Added additional support for flagging fraudulent paystub templates

User Interface (UI)​

  • Decreased file size for combined Verification Summary PDF with Documents

 May 14, 2025 ​

API​

  • Added ability to extract applicant address from the back of a driver's license
  • Enhanced SSI Award Letter income calculation functionality

Auto lending​

  • Improved dealer signature extraction on RISC's
  • Improved General Motors Invoice VIN extractions
  • Improved address extractions on credit apps and RISC's
  • Improved extraction of AZ ELT codes from title apps
  • Added extractions for Rivian Motor Vehicle Purchase Agreement

Fraud​

  • Added support for flagging fraudulent Paychex paystubs by detecting formatting, typography and font anomalies
  • Added additional support for flagging fraudulent ADP paystubs utilizing formatting and typography

User Interface (UI)​

  • Improved formatting of VerifyIQ questions and answers
  • Included application_status value in async verifications callback
  • Added "Reviewed" as a funding status option for manual selection for clients using the No-API workflow

 April 30, 2025 ​

API​

  • Added bank check extractions
  • Added Form 1040 schedule extractions
  • Enhanced Military LES extraction (entitlements, deductions, allotments)
  • Enhanced lienholder name extraction on ATPI
  • Improved paystub extraction accuracy
  • Added API flag for manual verification clearance
  • Income verification enhancements

Auto lending​

  • Added extraction for references
  • Added Title Lien Statement extractions
  • Added Cash Sale Receipt extractions
  • Added GAP Rider extractions
  • Added Title Application Receipt extractions
  • Expanded GAP Binder data extraction
  • Added email extraction from CU Membership applications
  • Added trim_style extraction from bookout sheets
  • Improved CU Membership form extraction
  • Improved Cosigner Notice extraction
  • Improved Lease End Protection Premium extraction
  • Improved Lease End Protection Policy Number extraction
  • Improved RISC dealer address extraction

Fraud​

  • Added support for flagging fraudulent TD Bank bank statements by detecting formatting and typography anomalies
  • Made accuracy improvements on flagging paystubs that have excessive numeric collisions

User Interface (UI)​

  • Added configurable title/instructions for CollectIQ
  • Added configurable default for CollectIQ "docs collected" question
  • Added stip status change events to VerifyIQ Audit Trail
  • Added RISC calculator to VerifyIQ HITL modal

 April 16, 2025 ​

Fraud​

  • Added support for flagging PDF files with multiple versions
  • Made accuracy improvements on flagging Bank of America bank statements for formatting and typography anomalies

User Interface (UI)​

  • Increased email alert options for No API Funding Portal when files uploaded via Dealer Verify or CollectIQ
  • Added flag in verifications api response when a verification is cleared as a result of a user editing data
  • Added configurable Dealer Verify background image
  • Exposed additional income verification-level questions in VerifyIQ

 April 2, 2025 ​

API​

  • Improved bank statement transaction categorization consistency
  • Added issue_date for temporary driver's license document type

Auto lending​

  • Enhanced extractions for motor_vehicle_lease_agreement
  • Enhanced extractions for pre_contract_disclosure
  • Enhanced bookout sheet options extractions along with CPO indicator extraction
  • Enhanced extractions for report_of_sale
  • Added extraction support for primary use checkbox on RISC
  • Added extraction of mailing address from Arkansas registration application
  • Added extraction support for GAP factor from GAP binder
  • Added extraction support for LTV from the credit approval
  • Added extraction support for GAP term & Administrator from the GAP section on the RISC
  • Improved credit application signature date extractions
  • Added extraction support for trade_in_lienholder from the RISC

Fraud​

  • Added additional support for flagging fraudulent ADP paystubs utilizing formatting and typography
  • Added support for flagging fraudulent Wells Fargo bank statements by detecting formatting and typography anomalies

User Interface (UI)​

  • Display audit history of user edits in VerifyIQ
  • Include audit history of user edits in the Verifications Summary PDF
  • Streamline Cognito-based login to remove organization selection after user has successfully logged in once

 March 19, 2025 ​

API​

  • Added ability to ignore documents via API (normally tied to UI action)
  • Enhanced extractions for employment_verification_letter document type
  • Enhanced extractions for vehicles and drivers on insurance documents
  • Added extractions for driver_license_temporary document type (similar to existing driver_license_front document type)

Auto lending​

  • Improved business_name field extractions across dealer documents
  • Added display bounding box info for insurance details on RISC
  • Enhanced extractions for motor_vehicle_lease_agreement document type
  • Enhanced extractions for ach_withdrawal_authorization_form document type
  • Added extraction support for amount financed on cosigner_notice document type
  • Added classification support for several new dealer document types:
    • tesla_motor_vehicle_purchase_agreement
    • lexis_nexis_driver_license_report
    • amortization_schedule
    • transfer_title

Fraud​

  • Added support for flagging bank statements that have account number collisions
  • Added support for flagging bank statements that have excessive numeric collisions

User Interface (UI)​

  • VerifyIQ SDK to support one time access token via JWT as authentication option
  • Improved VerifyIQ extracted data field display formatting for browser resolutions
  • Added new streamlined Document Reclassification Workflow
  • Added a separate Document Ownership Workflow - it is no longer tied to the reclassification workflow
  • [No-API] Funding Portal can support up to two different cards with unique pre-filled sets of verifications configured
  • [No-API] Funding Portal users can manually flag applications as funded
  • Added funding status column and filter support for VerifyIQ queue page
  • Increased VerifyIQ file upload limit from 30MB to 80MB to match API limit

 March 4, 2025 ​

Auto lending​

  • Display bounding box info for insurance details in RISC
  • Added support for extracting Tax ID from credit applications (related to business applications)
  • Improved applicant signature detection for all after-market products
  • Added support for extracting vehicle condition on RISC
  • Added functionality for auto-stipping based on vehicle condition and amount financed
  • Improve signature date detection on corporate_resolution and credit_application document types
  • Fixed premium extractions on Carmax VSC's

Fraud​

  • Added support for flagging paystubs that have excessive numeric collisions
  • Added support for flagging paystubs that have collisions on extracted values which should be unique

User Interface (UI)​

  • Display indicator in VerifyIQ of other users viewing the same application
  • Added option to download Verification Summary Report and Application Documents in a merged PDF

CollectIQ​

  • Enable users to upload miscellaneous, re-requested documents

 February 18, 2025 ​

Auto lending​

  • Subaru RISC Worksheet extraction improvements
  • Lease calculation worksheet extraction improvements

Fraud​

  • Added support for flagging fraudulent Bank of America bank statements by detecting formatting and typography anomalies
  • Added support for flagging fraudulent Intuit paystubs by detecting formatting, typography and font anomalies

User Interface (UI)​

  • Visual indicator for verifications that were passed by manual data entry
  • Display verification override metadata user and timestamp metadata in VerifyIQ
  • Contract type filter available in VerifyIQ app list
  • More granular VerifyIQ processing status in header bar
  • VerifyIQ download of Verification Summary PDF and Merged Document PDF naming convention updates
  • Removed applicant owner selection step from document reclassification workflow to streamline workflow

CollectIQ​

  • Add support for multiple branding profiles

 February 4, 2025 ​

API​

  • User email will be passed back for verification overrides done in the UI

Auto lending​

  • Improvements made for extraction of lienholder addresses that include a suite number
  • Support added for mileage adjustment extractions from bookout sheet
  • Support added for form number extraction on title application
  • Support added for section and signature detection of RISC initials
  • Support added for total cash down extraction from RISC

Fraud​

  • Added support for flagging fraudulent ADP paystubs by detecting formatting, typography and font anomalies
  • Added additional support for flagging fraudulent paystub templates