Waive a charge

A charge waiver reduces the unpaid amount the borrower owes because the lender has approved forgiveness. The original assessment remains visible and valid in history.

Forgiving an unpaid charge

CommandPOST /v1/loans/{loanId}/charges/{loanChargeId}?command=waive

Case contextRequired on human calls

ApprovalMaker-checker above configured thresholds

Ledger effectA non-cash waiver transaction and journal entries

UndoNone — corrected by a new governed action

What the command checks before it forgives

1. Charge readcurrent outstanding balanceautomatic
2. Approvalabove configured thresholdsa person
3. Waiver postsnon-cash, linked to the chargeautomatic
4. Amount due fallsdelinquency, payoff, autopay targetautomatic

Harbor example

Harbor has an eligible $18 late fee with $0 paid and $18 outstanding. A full waiver produces:

Measure	Before	After
Assessed	$18.00	$18.00
Paid	$0.00	$0.00
Waived	$0.00	$18.00
Outstanding	$18.00	$0.00

The waiver targets the charge, not the loan

curl -X POST "$BASE/v1/loans/7204/charges/44?command=waive" \
  -H "Authorization: Bearer $TOKEN" \
  -H "LendEasy-Tenant: demo-lender" \
  -H "LendEasy-Case: case_HBR_HARDSHIP_7" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: hbr-waive-late-fee-2027-05-01" \
  -d '{
    "amount": 18.0,
    "transactionDate": "2027-05-01",
    "dateFormat": "yyyy-MM-dd",
    "locale": "en"
  }'

{
  "officeId": 1,
  "clientId": 412,
  "loanId": 7204,
  "resourceId": 44,
  "changes": {
    "amountWaived": 18.0
  }
}

A paid amount cannot be waived

The amount must be positive and no greater than the charge’s current outstanding balance—read GET /v1/loans/7204/charges/44 first. Loan state, charge state, waiver permission, and restrictions are all checked at execution, and every execution writes a governance record.

Use refund charge to return money the borrower already paid. A charge whose original assessment was wrong should be adjusted, keeping correction statistics separate from concessions.

Economic and customer effects

A draw already submitted is not reduced automatically. Statement or notice consequences follow statement policy; check the latest statement state in the loan summary before communicating.

Partial waiver

Partial amounts remain linked to the same charge, and later waivers see the reduced eligible balance. Retries with the same Idempotency-Key return the original result; distinct waivers cannot exceed the original outstanding amount.

The waiver stays visible after correction

A waiver posted in error is corrected by a new governed action agreed in the case; customer communication and the original approval remain in evidence, and a reversal communication can be required by policy.