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Real-World Example

ABC Collections sends CFPB validation letters to a group of consumers. The portal should generate secure EcoLetters, notify consumers, and later clean up temporary zip files used for download packages.

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Visual Flow

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How It Should Work

  • It should create CFPB letter access only for the intended consumers.
  • It should trigger the correct consumer communication after delivery.
  • It should clean up temporary zip files after they are no longer needed.

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How It Should Not Work

  • It should not expose secure letters across creditor boundaries.
  • It should not leave temporary bulk download files around indefinitely.
  • It should not mark letters delivered before the secure records exist.

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Developer Notes

  • CFPB template setup is the user-facing setup page; secure delivery is the background behavior behind delivery.
  • EcoMailbox and campaign tracking can be affected by letter delivery and reading behavior.
  • Secure EcoLetter notifications use the same background email/SMS delivery and webhook tracking rules. See Communication Delivery & Webhooks.
  • app/Livewire/Creditor/CFPBRegisterPage.php
  • app/Jobs/ConsumersDownloadCFPBRegisterLetter.php
  • app/Jobs/SendSecureEcoLettersJob.php
  • app/Console/Commands/DeleteCFPBLettersZipFileCommand.php
Last modified on May 26, 2026