---
title: "What locks on a loan after disclosures are issued"
slug: "64-what-locks-on-a-loan-after-disclosures-are-issued"
updated: 2026-11-02T18:43:20Z
published: 2026-11-02T18:31:18Z
canonical: "docs.thebigpos.com/64-what-locks-on-a-loan-after-disclosures-are-issued"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.thebigpos.com/llms.txt
> Use this file to discover all available pages before exploring further.

# What locks on a loan after disclosures are issued

Once initial disclosures have gone out on a file, parts of that loan are deliberately frozen. Buttons grey out or disappear, or the loan shows as "Locked". The product now explains itself where it can — a message on screen tells you the loan is locked and why, instead of leaving you with a control that has silently vanished — but it is still easily mistaken for a fault or for someone sitting in the Encompass file.

## Check this first

Have disclosures been issued on this file, and when? If yes, everything below is expected behaviour rather than a problem. A loan marked **Locked** in the POS after disclosures means locked for editing, not that another user has the file open.

A locked loan is read-only for everyone regardless of role. A missing **Edit** button is not a permissions problem and does not need to be reported as one.

## What stops being available

- **Add a Co-Borrower / Share Accounts invite** — greyed out, or the button disappears entirely.
- **Intent to proceed** — greyed out.
- **Borrower email address** — can no longer be edited on the file.
- **Loan Details editing** — the **Edit**, **Add** and **Remove** buttons on the Loan Details tabs are hidden, with a message explaining why. See article 80, editing loan details.
- **Loan calculator** — see article 47, loan calculator locks after disclosures, which is this same rule applied to the calculator.

## What to do instead

- **Adding a co-borrower:** have them go to the portal and apply individually, then add them through Encompass once the registration comes through.
- **Correcting an email address:** support can update it on a disclosed file. Invite the new address afterwards, and confirm whether the file needs re-disclosing before you send anything else — sometimes it does, sometimes it does not.

## What support will ask for

The loan number, which specific action is greyed out, and whether disclosures were issued and on what date. If disclosures have not been issued and something is still locked, say so up front — that is a different problem.