The idea behind this kind of stuff is Calyx is a technology provider your a mortgage expert you should not have to think about when is it safe to email this without a password, or why is a password important to secure this data.  This should be your software's role. Considering it is a company that needs to be protected there are only two ways to do this have a system policy which an admin  sets or the software just requires it.  But the end result what you want to prove to a borrower if they ever ask or try to sue you, is that you made a good faith effort in protecting their information. It only takes one wrong key stroke and your open.  I get Annoyed logging into my computer at work each morning but its the same thing, we trade an annoyance for protection.

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That's great, they hate it so lets make their lives easier, oh wait until the moment a file accidentally goes outside the network, or you are hacked by some spyware program, then its no longer the loan officer or processor, its the entire company when they are facing a lawsuit.  This is truly one of those "greater good" concerns..

I'm sick and tired of hearing the loan officers and processors hate this or that, make it a policy they must follow and thats it.  If you don;t like it, there is the door!!