The CFPB payment rule is set to take effect on March 31, 2025.  The rule is currently in limbo, but if you wish to start complying, there are two components to setting up automatic notifications in Intro XL- the email templates- should be templates and the notifications (business rules which trigger the automatic e mail):

Email Templates: Email templates can be created by your Admin level user by going to Admin > Email Template Maint. Create a new template with the name of the template, the title of the email that will show in the subject line of the e mail and the details of the e mail body. At the bottom of this post, you can copy and paste the sample templates. The verbiage in [brackets] will populate with personalized loan, payment or borrower information.

Notifications: Go to Admin > Notifications Maint. The CFPB Payment Rule indicates notifications are required at least three (3) days in advance of the scheduled payment and no earlier than seven (7) days prior to the scheduled payment date. In order to create notifications for the required triggers, the following options can utilized

• Notification Type “Scheduled Payment” – Used to set up the First Payment Notice as well as Unusual Withdrawal Notice (alternate template)
• Notification Type “Consecutive NSF’s” – Used to automate contact after the two (2) failed consecutive attempts.

Below are the 3 Sample Email Templates 

Subject:  First Payment Withdrawal Notice

[Company]

[StoreAddress]

Date of Notice:  [Date]

Loan Number: [LoanNumber]

Dear [First],

On [NextDueDate], [CompanyLegalName] will attempt to withdraw a payment of [Payment] from your account ending in [BankAcctLast4].

• Payment method: [RepaymentMethod] account ending in [BankAcctLast4].

• If you have questions or wish to discuss this withdrawal, please contact us at [StorePhone].

[Company]

Subject:  Unusual Withdrawal Notice

[Company]

[StoreAddress]

Date of Notice:  [Date]

Loan Number: [LoanNumber]

Dear [First],

We will withdraw [Payment] from your account ending in [BankAcctLast4] on [NextDueDate] by [RepaymentMethod].

This payment is unusual because it differs from your previously scheduled payment terms.

Call us at [StorePhone] if you have questions or would like to receive a full notice, or if you wish to stop the withdrawal.

[Company]

Subject:  Consumer Rights Notice

[Company]

[StoreAddress]

Date of Notice:  [Date]

Loan Number: [LoanNumber]

Dear [First],

The last two attempts to withdraw a payment from your account ending in [BankAcctLast4] were returned. Federal law now prohibits us from trying again without your permission. If you have any questions or want to authorize a new payment, please contact us at [StorePhone].

Previous Attempts:

[PrevRetPmtDate] $[PrevetPmtAmt]
[RetPmtDate] $[RetPmtAmt]

[Company]

[StoreAddress]

[StoreCity], [StoreState] [StoreZip]