ncFile Tax Reporting for Banks and Servicers

Newcourse enables secure, API-based IRIS filing with full audit visibility, automation, and compliance-first workflows.

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The Challenge

The IRS Transition to IRIS Is Here. Your Filing Strategy Needs to Be Ready.

IRIS introduces new technical, operational, and compliance requirements that impact every organization responsible for 1098 and 1099 filings. Unprepared institutions face real exposure from filing delays to regulatory scrutiny.

The shift demands more than updated software. It requires a complete rethinking of your data pipeline, validation workflows, and submission architecture.

Filing Delays & Missed Deadlines

Late or failed submissions trigger penalties and damage regulatory standing.

Increased Exception Rates

Schema mismatches and validation failures create costly rework cycles.

Operational Strain During Peak Cycles

Manual processes create bottlenecks precisely when volume is highest.

Regulatory & Audit Exposure

Inadequate audit trails leave institutions vulnerable during examinations.

Our Solution

ncFile a Fully Managed, API-Enabled IRIS Filing Solution

Streamline your tax reporting workflow with our automated, secure, and compliant architecture designed specifically for modern financial platforms.

ncFile Engine

SECURE • VALIDATED • AUDITABLE

Servicing Platform Data
1098 / 1099 Data
Client Systems
IRS IRIS Submission
Compliance Validation
Reporting Dashboard
Strategic Partnership

In Partnership with ICE Mortgage Technology

Delivering integrated IRIS filing directly within servicing platforms. We bridge the gap between your existing data structures and IRS requirements.

ICE Mortgage Technology

Integrated filing infrastructure built for institutions already operating on ICE Mortgage Technology platforms — no additional data migration required.

Designed for ICE Formats

Native understanding of ICE Mortgage Technology data structures ensures perfect mapping.

Reduced Complexity

Eliminates the need for manual data manipulation before filing.

Faster Implementation

Pre-built integrations mean you are up and running weeks faster.

Platform Alignment

Works seamlessly alongside your existing servicing workflows.

The Difference

The Shift in Filing Strategy

A purpose-built platform designed for regulated communications. Compare how NewCourse simplifies compliance, automation, and large-scale document delivery compared to traditional tools.

In-House Build Approach

Without ncFile

  • Manual data preparation and schema mapping
  • Disconnected workflows prone to error
  • Limited visibility into submission status
  • High internal engineering and compliance burden

Purpose-Built Platform

With ncFile

  • Automated ingestion and normalization
  • Secure, direct API submission to IRS IRIS
  • Real-time tracking and exception dashboards
  • Fully auditable, compliance-first workflow
Platform Capabilities

IRIS Submission Architecture

Four integrated capability layers that take you from raw data to certified ncFile's IRIS Submission Architecture with complete compliance visibility throughout.

Data Preparation & Normalization

  • Ingest 1098 and 1099 source data at scale
  • Automated validation and schema alignment
  • Encryption standards and secure data handling
  • Support for multiple data formats and sources

API Integration Layer

  • Direct IRS API transmission via IRIS gateway
  • Credential management and authentication
  • Intelligent retry logic and exception handling
  • Rate limit management and queue optimization

Compliance & Auditability

  • Complete audit trail for every submission event
  • Time-stamped records across the filing lifecycle
  • SOC 2 aligned security and access controls
  • Regulatory documentation ready for examination

Reporting & Visibility

  • Real-time filing dashboards and status tracking
  • Exception identification and resolution workflows
  • Exportable reports for operations and compliance
  • Historical filing archive and trend analysis
Implementation Path

IRIS Readiness Timeline

A structured, milestone-driven onboarding process designed to meet IRS certification requirements and your filing deadlines.

01

Integration & Development

API integration with your data environment, field mapping, and initial validation logic. Newcourse engineers manage the technical build alongside your team.

02

IRS Testing Phase

End-to-end schema validation against IRS IRIS test environments. Submission workflows are tested and exception paths are verified before certification.

03

Certification Process

Formal IRS approval of your organization's IRIS filing credentials and transmission setup. Newcourse guides you through every step of the certification workflow.

04

Client Onboarding

Data validation with your production environment, configuration of reporting dashboards, and team enablement ahead of the first live filing cycle.

05

Production Readiness

Full deployment aligned with IRS filing deadlines. Ongoing monitoring, exception management support, and cycle-over-cycle operational continuity.

Open Roles

Prepare for IRIS Filing with Confidence

Schedule time to review your current workflows and identify opportunities to improve control, visibility, and audit readiness.

Schedule an IRIS Readiness Conversation