From 33b45a3fe9033642f9d2b6957852f0893b959402 Mon Sep 17 00:00:00 2001
From: Jonathan Hooper <jonathan.hooper@gsa.gov>
Date: Thu, 7 Dec 2017 13:17:45 -0600
Subject: [PATCH] Remove finance step from idv flow

**Why**: We are removing the financial verification step form the idv
flow in favor of using state ID for verification.

This commit redirects to the phone step after the profile step is
complete. In another PR (ref #1845) the state id data is collected in
the profile step.
---
 .eslintrc                                     |   1 -
 .../javascripts/app/form-field-format.js      |   4 -
 .../javascripts/app/idv-finance-helper.js     |  45 ---
 app/assets/javascripts/application.js         |   1 -
 app/assets/stylesheets/components/_form.scss  | 114 -------
 app/controllers/verify/finance_controller.rb  |  96 ------
 .../verify/finance_other_controller.rb        |  34 --
 app/controllers/verify/review_controller.rb   |   5 -
 app/controllers/verify/sessions_controller.rb |   4 +-
 app/forms/idv/finance_form.rb                 |  96 ------
 app/jobs/idv/finance_job.rb                   |  15 -
 app/services/analytics.rb                     |   4 -
 app/services/idv/agent.rb                     |   2 +-
 app/services/idv/financials_step.rb           |  24 --
 app/services/idv/session.rb                   |   3 +-
 app/services/idv/submit_idv_job.rb            |   5 -
 app/services/idv/upcase_vendor_env_vars.rb    |   1 -
 app/validators/form_finance_validator.rb      |  69 -----
 app/view_models/verify/financials_new.rb      |   7 -
 app/views/shared/_pii_review.html.slim        |   3 -
 app/views/verify/finance/new.html.slim        |  34 --
 app/views/verify/finance_other/new.html.slim  |  39 ---
 config/application.yml.example                |   3 -
 config/initializers/figaro.rb                 |   1 -
 .../initializers/filter_parameter_logging.rb  |   1 -
 config/locales/idv/en.yml                     |  35 ---
 config/locales/idv/es.yml                     |  37 ---
 config/locales/idv/fr.yml                     |  37 ---
 config/routes.rb                              |   4 -
 lib/config_validator.rb                       |   1 -
 .../verify/finance_controller_spec.rb         | 290 ------------------
 .../verify/phone_controller_spec.rb           |   2 +-
 .../verify/review_controller_spec.rb          |  13 -
 .../verify/sessions_controller_spec.rb        |   4 +-
 spec/features/accessibility/idv_pages_spec.rb |  20 --
 spec/features/idv/flow_spec.rb                | 121 +-------
 spec/features/idv/interrupted_session_spec.rb |   2 +-
 spec/features/idv/max_attempts_spec.rb        |  22 --
 spec/features/idv/phone_spec.rb               |  10 -
 spec/features/idv/previous_address_spec.rb    |   4 -
 spec/features/saml/loa3_sso_spec.rb           |   4 +-
 spec/forms/idv/finance_form_spec.rb           | 124 --------
 spec/jobs/idv/finance_job_spec.rb             |  89 ------
 spec/lib/config_validator_spec.rb             |   4 +-
 spec/rails_helper.rb                          |   2 +-
 spec/routing/id_verification_routing_spec.rb  |   3 -
 spec/services/idv/financials_step_spec.rb     |  55 ----
 spec/services/idv/submit_idv_job_spec.rb      |  24 --
 .../idv/upcase_vendor_env_vars_spec.rb        |   3 +-
 spec/support/features/idv_helper.rb           |  10 -
 spec/support/idv_examples/max_attempts.rb     |  24 --
 .../idv_examples/otp_delivery_method.rb       |   2 -
 .../usps_verification_selection.rb            |   4 -
 .../views/verify/review/new.html.slim_spec.rb |   5 -
 54 files changed, 13 insertions(+), 1553 deletions(-)
 delete mode 100644 app/assets/javascripts/app/idv-finance-helper.js
 delete mode 100644 app/controllers/verify/finance_controller.rb
 delete mode 100644 app/controllers/verify/finance_other_controller.rb
 delete mode 100644 app/forms/idv/finance_form.rb
 delete mode 100644 app/jobs/idv/finance_job.rb
 delete mode 100644 app/services/idv/financials_step.rb
 delete mode 100644 app/validators/form_finance_validator.rb
 delete mode 100644 app/view_models/verify/financials_new.rb
 delete mode 100644 app/views/verify/finance/new.html.slim
 delete mode 100644 app/views/verify/finance_other/new.html.slim
 delete mode 100644 spec/controllers/verify/finance_controller_spec.rb
 delete mode 100644 spec/forms/idv/finance_form_spec.rb
 delete mode 100644 spec/jobs/idv/finance_job_spec.rb
 delete mode 100644 spec/services/idv/financials_step_spec.rb

diff --git a/.eslintrc b/.eslintrc
index d44fdbcb02b..61a5d2966ea 100644
--- a/.eslintrc
+++ b/.eslintrc
@@ -36,7 +36,6 @@
       'app/pw-toggle',
       'app/form-validation',
       'app/form-field-format',
-      'app/idv-finance-helper',
       'app/radio-btn',
       'app/print-personal-key',
       'app/utils/ms-formatter',
diff --git a/app/assets/javascripts/app/form-field-format.js b/app/assets/javascripts/app/form-field-format.js
index b03ee377608..8f13ce3e031 100644
--- a/app/assets/javascripts/app/form-field-format.js
+++ b/app/assets/javascripts/app/form-field-format.js
@@ -9,12 +9,8 @@ import ZipCodeFormatter from './modules/zip-code-formatter';
 
 function formatForm() {
   const formats = [
-    ['.auto_loan', new NumericFormatter()],
-    ['.ccn', new NumericFormatter()],
     ['.dob', new DateFormatter()],
-    ['.home_equity_line', new NumericFormatter()],
     ['.mfa', new NumericFormatter()],
-    ['.mortgage', new NumericFormatter()],
     ['.phone', new InternationalPhoneFormatter()],
     ['.us-phone', new USPhoneFormatter()],
     ['.personal-key', new PersonalKeyFormatter()],
diff --git a/app/assets/javascripts/app/idv-finance-helper.js b/app/assets/javascripts/app/idv-finance-helper.js
deleted file mode 100644
index 62b091d069a..00000000000
--- a/app/assets/javascripts/app/idv-finance-helper.js
+++ /dev/null
@@ -1,45 +0,0 @@
-import 'classlist.js';
-
-document.addEventListener('DOMContentLoaded', () => {
-  function hideAll(elems) {
-    Array.prototype.forEach.call(elems, (el) => {
-      el.classList.add('hide');
-    });
-  }
-
-  function removeError() {
-    const errorMessage = document.querySelector('.error-message');
-
-    if (errorMessage) {
-      errorMessage.parentNode.classList.remove('has-error');
-      errorMessage.parentNode.removeChild(errorMessage);
-    }
-  }
-
-  function showInput(name) {
-    const inputWrappers = document.querySelectorAll('.js-finance-wrapper');
-    hideAll(inputWrappers);
-
-    const inputWrapperToShow = document.querySelector(`[data-type="${name}"]`);
-    if (inputWrapperToShow) {
-      inputWrapperToShow.classList.remove('hide');
-    }
-  }
-
-  const financeSelect = document.querySelector('.js-finance-choice-select');
-  const submitButton = document.querySelector('.js-finance-submit');
-
-  if (financeSelect) {
-    const inputWrappers = document.querySelectorAll('.js-finance-wrapper');
-    hideAll(inputWrappers);
-
-    showInput(financeSelect.value || 'blank');
-    submitButton.disabled = !financeSelect.value;
-
-    financeSelect.addEventListener('change', () => {
-      removeError();
-      showInput(financeSelect.value || 'blank');
-      submitButton.disabled = !financeSelect.value;
-    });
-  }
-});
diff --git a/app/assets/javascripts/application.js b/app/assets/javascripts/application.js
index 64d07a2fd48..ea4090b8662 100644
--- a/app/assets/javascripts/application.js
+++ b/app/assets/javascripts/application.js
@@ -3,7 +3,6 @@ import 'app/utils/index';
 import 'app/pw-toggle';
 import 'app/form-validation';
 import 'app/form-field-format';
-import 'app/idv-finance-helper';
 import 'app/radio-btn';
 import 'app/phone-internationalization';
 import 'app/print-personal-key';
diff --git a/app/assets/stylesheets/components/_form.scss b/app/assets/stylesheets/components/_form.scss
index 71df7c2435c..422f3245b9a 100644
--- a/app/assets/stylesheets/components/_form.scss
+++ b/app/assets/stylesheets/components/_form.scss
@@ -156,117 +156,3 @@ input::-webkit-inner-spin-button {
   background-color: $gray-light;
   border-color: $gray;
 }
-
-.select-alt {
-  color: $white;
-  display: inline-block;
-  position: relative;
-  width: 100%;
-
-  select {
-    -moz-appearance: none;
-    -webkit-appearance: none;
-    appearance: none;
-    background-color: $navy;
-    border-right: 1px solid $blue;
-    color: $white;
-    cursor: pointer;
-    display: inline-block;
-    font-weight: normal;
-    line-height: 1.5;
-    padding-right: 2.25rem;
-    width: 100%;
-  }
-
-  // Undo the Firefox inner focus ring
-  select:focus:-moz-focusring {
-    color: transparent;
-    text-shadow: 0 0 0 $white;
-  }
-
-  select:active {
-    background-color: $navy;
-    color: $white;
-  }
-
-  // Hide the arrow in IE10 and up
-  select::-ms-expand {
-    display: none;
-  }
-
-  // Separator
-  &::before {
-    border-right: 1px solid $blue;
-    content: '';
-    height: -moz-calc(3rem - 2px);
-    height: -webkit-calc(3rem - 2px);
-    height: calc(3rem - 2px);
-    position: absolute;
-    right: 3rem;
-    top: 1px;
-    width: 0;
-  }
-
-  // Dropdown arrow
-  &::after {
-    border-bottom: .35rem solid transparent;
-    border-left: .35rem solid transparent;
-    border-right: .35rem solid transparent;
-    border-top: .35rem solid;
-    content: '';
-    display: inline-block;
-    height: 0;
-    margin-top: -.15rem;
-    pointer-events: none;
-    position: absolute;
-    right: 1.25rem;
-    top: 50%;
-    width: 0;
-  }
-}
-
-// Media query to target Firefox only
-@-moz-document url-prefix() {
-  // Firefox hack to hide the arrow
-  .select-alt select {
-    padding-right: 1rem;
-    text-indent: .01px;
-    text-overflow: '';
-  }
-
-  // <option> elements inherit styles from <select>, so reset them.
-  .select-alt option {
-    background-color: $white;
-  }
-}
-
-// IE9 hack to hide the arrow
-@media screen and (min-width:0\0) {
-  .select-alt select {
-    padding: .5rem 1.5rem .5rem 1rem;
-    z-index: 1;
-  }
-
-  .select-alt::after {
-    z-index: 5;
-  }
-
-  .select-alt::before {
-    background-color: $navy;
-    bottom: 0;
-    content: '';
-    display: block;
-    position: absolute;
-    right: 1rem;
-    top: 0;
-    width: 1.5rem;
-    z-index: 2;
-  }
-
-  .select-alt select:hover,
-  .select-alt select:focus,
-  .select-alt select:active {
-    background-color: $navy;
-    color: $white;
-  }
-}
diff --git a/app/controllers/verify/finance_controller.rb b/app/controllers/verify/finance_controller.rb
deleted file mode 100644
index e283f32bffe..00000000000
--- a/app/controllers/verify/finance_controller.rb
+++ /dev/null
@@ -1,96 +0,0 @@
-module Verify
-  class FinanceController < ApplicationController
-    include IdvStepConcern
-    include IdvFailureConcern
-
-    before_action :confirm_step_needed
-    before_action :confirm_step_allowed
-    before_action :refresh_if_not_ready, only: [:show]
-
-    def new
-      @view_model = view_model
-      analytics.track_event(Analytics::IDV_FINANCE_CCN_VISIT)
-    end
-
-    def create
-      result = idv_form.submit(step_params)
-      analytics.track_event(Analytics::IDV_FINANCE_CONFIRMATION_FORM, result.to_h)
-
-      if result.success?
-        submit_idv_job
-        redirect_to verify_finance_result_url
-      else
-        @view_model = view_model
-        render_form
-      end
-    end
-
-    def show
-      result = step.submit
-      analytics.track_event(Analytics::IDV_FINANCE_CONFIRMATION_VENDOR, result.to_h)
-      increment_step_attempts
-
-      if result.success?
-        handle_success
-      else
-        render_failure
-        render_form
-      end
-    end
-
-    private
-
-    def submit_idv_job
-      Idv::SubmitIdvJob.new(
-        idv_session: idv_session,
-        vendor_params: vendor_params
-      ).submit_finance_job
-    end
-
-    def step_name
-      :financials
-    end
-
-    def confirm_step_needed
-      redirect_to verify_address_url if idv_session.financials_confirmation == true
-    end
-
-    def view_model_class
-      Verify::FinancialsNew
-    end
-
-    def idv_form
-      @_idv_form ||= Idv::FinanceForm.new(idv_session.params)
-    end
-
-    def handle_success
-      flash[:success] = t('idv.messages.personal_details_verified')
-      redirect_to verify_address_url
-    end
-
-    def step
-      @_step ||= Idv::FinancialsStep.new(
-        idv_form_params: idv_form.idv_params,
-        idv_session: idv_session,
-        vendor_validator_result: vendor_validator_result
-      )
-    end
-
-    def step_params
-      params.require(:idv_finance_form).permit(:finance_type, *Idv::FinanceForm::FINANCE_TYPES)
-    end
-
-    def render_form
-      if idv_form.idv_params[:ccn].present?
-        render :new
-      else
-        render 'verify/finance_other/new'
-      end
-    end
-
-    def vendor_params
-      finance_type = idv_form.finance_type
-      { finance_type => idv_form.idv_params[finance_type] }
-    end
-  end
-end
diff --git a/app/controllers/verify/finance_other_controller.rb b/app/controllers/verify/finance_other_controller.rb
deleted file mode 100644
index f24c5128c6e..00000000000
--- a/app/controllers/verify/finance_other_controller.rb
+++ /dev/null
@@ -1,34 +0,0 @@
-module Verify
-  class FinanceOtherController < ApplicationController
-    include IdvStepConcern
-
-    before_action :confirm_step_needed
-    before_action :confirm_step_allowed
-
-    def new
-      @view_model = view_model
-      analytics.track_event(Analytics::IDV_FINANCE_OTHER_VISIT)
-    end
-
-    private
-
-    def step_name
-      :financials
-    end
-
-    def confirm_step_needed
-      redirect_to verify_phone_url if idv_session.financials_confirmation.try(:success?)
-    end
-
-    def view_model
-      Verify::FinancialsNew.new(
-        remaining_attempts: remaining_step_attempts,
-        idv_form: idv_finance_form
-      )
-    end
-
-    def idv_finance_form
-      @_idv_finance_form ||= Idv::FinanceForm.new(idv_session.params)
-    end
-  end
-end
diff --git a/app/controllers/verify/review_controller.rb b/app/controllers/verify/review_controller.rb
index 21c709de9fc..0d789856b22 100644
--- a/app/controllers/verify/review_controller.rb
+++ b/app/controllers/verify/review_controller.rb
@@ -9,7 +9,6 @@ class ReviewController < ApplicationController
 
     def confirm_idv_steps_complete
       return redirect_to(verify_session_url) unless idv_profile_complete?
-      return redirect_to(verify_finance_url) unless idv_finance_complete?
       return redirect_to(verify_address_url) unless idv_address_complete?
     end
 
@@ -69,10 +68,6 @@ def idv_profile_complete?
       idv_session.profile_confirmation == true
     end
 
-    def idv_finance_complete?
-      idv_session.financials_confirmation == true
-    end
-
     def idv_address_complete?
       idv_session.address_mechanism_chosen?
     end
diff --git a/app/controllers/verify/sessions_controller.rb b/app/controllers/verify/sessions_controller.rb
index b4ce9ed9008..27a211f3f50 100644
--- a/app/controllers/verify/sessions_controller.rb
+++ b/app/controllers/verify/sessions_controller.rb
@@ -62,7 +62,7 @@ def step_name
     end
 
     def confirm_step_needed
-      redirect_to verify_finance_url if idv_session.profile_confirmation == true
+      redirect_to verify_address_url if idv_session.profile_confirmation == true
     end
 
     def step
@@ -87,7 +87,7 @@ def process_success
       flash[:success] = t('idv.messages.sessions.success',
                           pii_message: pii_msg)
 
-      redirect_to verify_finance_url
+      redirect_to verify_address_url
     end
 
     def process_failure
diff --git a/app/forms/idv/finance_form.rb b/app/forms/idv/finance_form.rb
deleted file mode 100644
index 9becfcec15d..00000000000
--- a/app/forms/idv/finance_form.rb
+++ /dev/null
@@ -1,96 +0,0 @@
-module Idv
-  class FinanceForm
-    include ActiveModel::Model
-    include FormFinanceValidator
-
-    FINANCE_TYPES = %i[ccn mortgage home_equity_line auto_loan].freeze
-    FINANCE_OTHER_TYPES = FINANCE_TYPES - [:ccn]
-
-    FINANCE_HTML_OPTIONS = {
-      ccn: {
-        class: 'ccn',
-        pattern: '[0-9]*',
-        minlength: FormFinanceValidator::VALID_CCN_LENGTH,
-        maxlength: FormFinanceValidator::VALID_CCN_LENGTH,
-      },
-      mortgage: {
-        class: 'mortgage',
-        pattern: '[0-9]*',
-        minlength: FormFinanceValidator::VALID_MINIMUM_LENGTH,
-        maxlength: FormFinanceValidator::VALID_MAXIMUM_LENGTH,
-      },
-      home_equity_line: {
-        class: 'home_equity_line',
-        pattern: '[0-9]*',
-        minlength: FormFinanceValidator::VALID_MINIMUM_LENGTH,
-        maxlength: FormFinanceValidator::VALID_MAXIMUM_LENGTH,
-      },
-      auto_loan: {
-        class: 'auto_loan',
-        pattern: '[0-9]*',
-        minlength: FormFinanceValidator::VALID_MINIMUM_LENGTH,
-        maxlength: FormFinanceValidator::VALID_MAXIMUM_LENGTH,
-      },
-    }.freeze
-
-    attr_reader :idv_params, :finance_type, :blank, *FINANCE_TYPES
-
-    def initialize(idv_params)
-      @idv_params = idv_params
-      @params = nil
-      finance_type = FINANCE_TYPES.find { |param| idv_params.key? param }
-      update_finance_values(idv_params.merge(finance_type: finance_type))
-    end
-
-    def submit(params)
-      @params = params
-      finance_value = update_finance_values(params)
-
-      success = valid?
-      if success
-        clear_idv_params_finance
-        idv_params[finance_type] = finance_value
-      end
-
-      FormResponse.new(success: success, errors: errors.messages)
-    end
-
-    def self.finance_other_type_choices
-      FINANCE_OTHER_TYPES.map { |choice| [choice, I18n.t("idv.form.#{choice}")] }
-    end
-
-    def self.ccn_inputs
-      [
-        [:ccn, I18n.t('idv.form.ccn'), FINANCE_HTML_OPTIONS.fetch(:ccn, {})],
-      ]
-    end
-
-    def self.finance_other_type_inputs
-      FINANCE_OTHER_TYPES.map do |choice|
-        [choice, I18n.t("idv.form.#{choice}"), FINANCE_HTML_OPTIONS.fetch(choice, {})]
-      end
-    end
-
-    private
-
-    attr_writer :finance_type, *FINANCE_TYPES
-
-    def params
-      @params.presence || idv_params
-    end
-
-    def update_finance_values(params)
-      type = params[:finance_type]
-      return false unless valid_finance_type?(type)
-
-      self.finance_type = type.to_sym
-      send("#{finance_type}=", params[finance_type])
-    end
-
-    def clear_idv_params_finance
-      FINANCE_TYPES.each do |finance_param|
-        idv_params.delete(finance_param)
-      end
-    end
-  end
-end
diff --git a/app/jobs/idv/finance_job.rb b/app/jobs/idv/finance_job.rb
deleted file mode 100644
index 743994b1761..00000000000
--- a/app/jobs/idv/finance_job.rb
+++ /dev/null
@@ -1,15 +0,0 @@
-module Idv
-  class FinanceJob < ProoferJob
-    def verify_identity_with_vendor
-      confirmation = agent.submit_financials(vendor_params, vendor_session_id)
-      result = extract_result(confirmation)
-      store_result(result)
-    end
-
-    private
-
-    def vendor
-      Figaro.env.finance_proofing_vendor.to_sym
-    end
-  end
-end
diff --git a/app/services/analytics.rb b/app/services/analytics.rb
index e59222d0014..69345227487 100644
--- a/app/services/analytics.rb
+++ b/app/services/analytics.rb
@@ -63,10 +63,6 @@ def browser
   IDV_BASIC_INFO_SUBMITTED_VENDOR = 'IdV: basic info vendor submitted'.freeze
   IDV_MAX_ATTEMPTS_EXCEEDED = 'IdV: max attempts exceeded'.freeze
   IDV_FINAL = 'IdV: final resolution'.freeze
-  IDV_FINANCE_CCN_VISIT = 'IdV: finance ccn visited'.freeze
-  IDV_FINANCE_CONFIRMATION_FORM = 'IdV: finance confirmation form'.freeze
-  IDV_FINANCE_CONFIRMATION_VENDOR = 'IdV: finance confirmation vendor'.freeze
-  IDV_FINANCE_OTHER_VISIT = 'IdV: finance other visited'.freeze
   IDV_INTRO_VISIT = 'IdV: intro visited'.freeze
   IDV_PHONE_CONFIRMATION_FORM = 'IdV: phone confirmation form'.freeze
   IDV_PHONE_CONFIRMATION_VENDOR = 'IdV: phone confirmation vendor'.freeze
diff --git a/app/services/idv/agent.rb b/app/services/idv/agent.rb
index 03caf26db3f..c1598be8d1f 100644
--- a/app/services/idv/agent.rb
+++ b/app/services/idv/agent.rb
@@ -1,6 +1,6 @@
 module Idv
   class Agent
-    delegate :vendor, :start, :submit_phone, :submit_financials, to: :agent
+    delegate :vendor, :start, :submit_phone, to: :agent
 
     def initialize(vendor:, applicant:)
       self.agent = Proofer::Agent.new(applicant: applicant, vendor: vendor, kbv: false)
diff --git a/app/services/idv/financials_step.rb b/app/services/idv/financials_step.rb
deleted file mode 100644
index 0979372b0b4..00000000000
--- a/app/services/idv/financials_step.rb
+++ /dev/null
@@ -1,24 +0,0 @@
-module Idv
-  class FinancialsStep < Step
-    def submit
-      if complete?
-        @success = true
-        idv_session.financials_confirmation = true
-        idv_session.params = idv_form_params
-      else
-        @success = false
-        idv_session.financials_confirmation = false
-      end
-
-      FormResponse.new(success: success, errors: errors)
-    end
-
-    private
-
-    attr_reader :success
-
-    def complete?
-      vendor_validation_passed?
-    end
-  end
-end
diff --git a/app/services/idv/session.rb b/app/services/idv/session.rb
index 31a09e2437f..c3d6bee3a7d 100644
--- a/app/services/idv/session.rb
+++ b/app/services/idv/session.rb
@@ -5,7 +5,6 @@ class Session
       async_result_started_at
       address_verification_mechanism
       applicant
-      financials_confirmation
       normalized_applicant_params
       params
       vendor_phone_confirmation
@@ -114,7 +113,7 @@ def set_idv_session
     end
 
     def new_idv_session
-      { params: {}, step_attempts: { financials: 0, phone: 0 } }
+      { params: {}, step_attempts: { phone: 0 } }
     end
 
     def move_pii_to_user_session
diff --git a/app/services/idv/submit_idv_job.rb b/app/services/idv/submit_idv_job.rb
index 82d74840c2d..a2806e43601 100644
--- a/app/services/idv/submit_idv_job.rb
+++ b/app/services/idv/submit_idv_job.rb
@@ -10,11 +10,6 @@ def submit_profile_job
       ProfileJob.perform_later(proofer_job_params)
     end
 
-    def submit_finance_job
-      update_idv_session
-      FinanceJob.perform_later(proofer_job_params)
-    end
-
     def submit_phone_job
       update_idv_session
       PhoneJob.perform_later(proofer_job_params)
diff --git a/app/services/idv/upcase_vendor_env_vars.rb b/app/services/idv/upcase_vendor_env_vars.rb
index 9c5cf4d4803..12196fa496f 100644
--- a/app/services/idv/upcase_vendor_env_vars.rb
+++ b/app/services/idv/upcase_vendor_env_vars.rb
@@ -12,7 +12,6 @@ def available_vendors
       env = Figaro.env
       [
         env.profile_proofing_vendor,
-        env.finance_proofing_vendor,
         env.phone_proofing_vendor,
       ]
     end
diff --git a/app/validators/form_finance_validator.rb b/app/validators/form_finance_validator.rb
deleted file mode 100644
index f487bdc882b..00000000000
--- a/app/validators/form_finance_validator.rb
+++ /dev/null
@@ -1,69 +0,0 @@
-module FormFinanceValidator
-  extend ActiveSupport::Concern
-
-  VALID_CCN_LENGTH = 8
-  VALID_MINIMUM_LENGTH = 8
-  VALID_MAXIMUM_LENGTH = 30
-
-  included do
-    attr_reader :params
-
-    validates :finance_type, presence: true
-
-    validates(
-      :ccn,
-      format: { with: /\A\d{8}\z/, message: I18n.t('idv.errors.invalid_ccn') },
-      if: :ccn?
-    )
-
-    validate :validate_finance_type
-    validate :validate_finance_value_presence
-    validate :validate_finance_value_length, if: :not_ccn?
-  end
-
-  private
-
-  def ccn?
-    finance_type == :ccn
-  end
-
-  def not_ccn?
-    !ccn?
-  end
-
-  def validate_finance_type
-    return if valid_finance_type?(finance_type)
-    errors.add :finance_type, I18n.t('idv.errors.missing_finance')
-  end
-
-  def valid_finance_type?(type)
-    type.present? && Idv::FinanceForm::FINANCE_TYPES.include?(type.to_sym)
-  end
-
-  def validate_finance_value_presence
-    return unless valid_finance_type?(finance_type)
-    return if finance_value.present?
-    errors.add finance_type, I18n.t('errors.messages.blank')
-  end
-
-  def validate_finance_value_length
-    return if finance_value.blank?
-    return if valid_range.include?(finance_value.length)
-    errors.add(
-      finance_type,
-      I18n.t(
-        'idv.errors.finance_number_length',
-        minimum: VALID_MINIMUM_LENGTH,
-        maximum: VALID_MAXIMUM_LENGTH
-      )
-    )
-  end
-
-  def finance_value
-    params[finance_type]
-  end
-
-  def valid_range
-    VALID_MINIMUM_LENGTH..VALID_MAXIMUM_LENGTH
-  end
-end
diff --git a/app/view_models/verify/financials_new.rb b/app/view_models/verify/financials_new.rb
deleted file mode 100644
index 8a53ed64fb3..00000000000
--- a/app/view_models/verify/financials_new.rb
+++ /dev/null
@@ -1,7 +0,0 @@
-module Verify
-  class FinancialsNew < Verify::Base
-    def step_name
-      :financials
-    end
-  end
-end
diff --git a/app/views/shared/_pii_review.html.slim b/app/views/shared/_pii_review.html.slim
index a058ba8531a..718e9ffe5a9 100644
--- a/app/views/shared/_pii_review.html.slim
+++ b/app/views/shared/_pii_review.html.slim
@@ -15,6 +15,3 @@
   - if phone
     .h6.mt3 = t('idv.messages.phone.phone_of_record')
     .h4.bold.ico-absolute.ico-absolute-success #{phone}
-
-  .mt3.mb3
-    = link_to t('idv.messages.review.financial_info'), MarketingSite.help_url
diff --git a/app/views/verify/finance/new.html.slim b/app/views/verify/finance/new.html.slim
deleted file mode 100644
index f4107356784..00000000000
--- a/app/views/verify/finance/new.html.slim
+++ /dev/null
@@ -1,34 +0,0 @@
-- title @view_model.title
-
-h1.h3.my0 = @view_model.title
-p.mt-tiny.mb0
-  = t('idv.messages.finance.intro_ccn_html',
-      intro_help_link: link_to(t('idv.messages.finance.intro_ccn_help'), MarketingSite.help_url))
-
-= simple_form_for(@view_model.idv_form, url: verify_finance_path,
-    html: { autocomplete: 'off', method: 'put', role: 'form' }) do |f|
-  = hidden_field_tag 'idv_finance_form[finance_type]', :ccn
-
-  .mxn1.px1
-    - Idv::FinanceForm.ccn_inputs.each do |key, label, html_options|
-      = f.label key, label: label, class: 'block bold'
-      .col-12.sm-col-10
-        = f.input key,
-                  label: false,
-                  hint: t('idv.messages.finance.hint'),
-                        hint_html: { id: 'ccn-instructs', class: 'mb1 italic block' },
-                  required: false,
-                  wrapper_html: { data: { type: key } },
-                  wrapper_class: 'mb1',
-                  input_html: html_options.merge!('aria-describedby': 'ccn-instructs')
-        = link_to t('idv.form.use_financial_account'), verify_finance_other_path
-
-      .mb2.mt3
-        em
-          = t('idv.messages.finance.disclaimer', app_name: APP_NAME)
-
-      = f.button :submit, t('forms.buttons.continue'), class: 'col-6'
-
-= render 'shared/cancel', link: verify_cancel_path
-
-= render @view_model.modal_partial, view_model: @view_model
diff --git a/app/views/verify/finance_other/new.html.slim b/app/views/verify/finance_other/new.html.slim
deleted file mode 100644
index fc71e2a30b9..00000000000
--- a/app/views/verify/finance_other/new.html.slim
+++ /dev/null
@@ -1,39 +0,0 @@
-- title @view_model.title
-
-h1.h3.my0 = @view_model.title
-p.mt-tiny.mb0 = t('idv.messages.finance.intro_account')
-= simple_form_for(@view_model.idv_form, url: verify_finance_path,
-    html: { autocomplete: 'off', method: 'put', role: 'form' }) do |f|
-  .select-alt.mb2
-    = f.collection_select(:finance_type, Idv::FinanceForm.finance_other_type_choices,
-      :first, :last,
-      { include_blank: t('idv.form.select_financial_account') },
-      class: 'col-12 field js-finance-choice-select')
-  .clearfix.mxn1
-    .col.col-12.sm-col-8.px1
-      = f.input :blank,
-                label: t('idv.form.select_financial_account'),
-                label_html: { class: 'hide' },
-                disabled: true,
-                wrapper_html: { class: 'js-finance-wrapper', data: { type: :blank } }
-      - Idv::FinanceForm.finance_other_type_inputs.each do |key, label, html_options|
-        = f.input key,
-                  label: label,
-                  label_html: { class: 'hide' },
-                  required: false,
-                  wrapper_html: { class: 'js-finance-wrapper', data: { type: key } },
-                  input_html: html_options
-    .col.col-12.sm-col-4.px1
-      = f.button :submit,
-                 t('forms.buttons.continue'),
-                 disabled: true,
-                 class: 'col-12 mb3 js-finance-submit'
-
-.mb-tiny.bold = t('idv.messages.finance.no_account')
-p.mb3
-  = t('idv.messages.finance.no_account_info')
-  '
-  = link_to t('idv.form.use_ccn'), verify_finance_path
-
-= render 'shared/cancel', link: verify_cancel_path
-= render @view_model.modal_partial, view_model: @view_model
diff --git a/config/application.yml.example b/config/application.yml.example
index 9e173d679f4..790372c0d48 100644
--- a/config/application.yml.example
+++ b/config/application.yml.example
@@ -84,7 +84,6 @@ development:
   equifax_sftp_username: 'user'
   equifax_ssh_passphrase: 'sekret'
   exception_recipients: 'test1@test.com'
-  finance_proofing_vendor: 'mock'
   hmac_fingerprinter_key: 'a2c813d4dca919340866ba58063e4072adc459b767a74cf2666d5c1eef3861db26708e7437abde1755eb24f4034386b0fea1850a1cb7e56bff8fae3cc6ade96c'
   hmac_fingerprinter_key_queue: '["old-key-one", "old-key-two"]'
   issuers_with_email_nameid_format: ''
@@ -149,7 +148,6 @@ production:
   equifax_sftp_username:
   equifax_ssh_passphrase:
   exception_recipients: 'user1@example.com,user2@example.com'
-  finance_proofing_vendor: 'mock'
   google_analytics_key: # 'UA-XXXXXXXXX-YY'
   hmac_fingerprinter_key: # generate via `rake secret`
   hmac_fingerprinter_key_queue: # '["old-key-one", "old-key-two"]'
@@ -217,7 +215,6 @@ test:
   equifax_sftp_username: 'user'
   equifax_ssh_passphrase: 'sekret'
   exception_recipients: 'test1@test.com'
-  finance_proofing_vendor: 'mock'
   hmac_fingerprinter_key: 'a2c813d4dca919340866ba58063e4072adc459b767a74cf2666d5c1eef3861db26708e7437abde1755eb24f4034386b0fea1850a1cb7e56bff8fae3cc6ade96c'
   hmac_fingerprinter_key_queue: '["old-key-one", "old-key-two"]'
   issuers_with_email_nameid_format: 'https://rp1.serviceprovider.com/auth/saml/metadata'
diff --git a/config/initializers/figaro.rb b/config/initializers/figaro.rb
index ddaa045c9bc..aee65b58754 100644
--- a/config/initializers/figaro.rb
+++ b/config/initializers/figaro.rb
@@ -9,7 +9,6 @@
   'enable_usps_verification',
   'equifax_ssh_passphrase',
   'exception_recipients',
-  'finance_proofing_vendor',
   'hmac_fingerprinter_key',
   'issuers_with_email_nameid_format',
   'logins_per_ip_limit',
diff --git a/config/initializers/filter_parameter_logging.rb b/config/initializers/filter_parameter_logging.rb
index 89fe5cbd6f8..6191f988903 100644
--- a/config/initializers/filter_parameter_logging.rb
+++ b/config/initializers/filter_parameter_logging.rb
@@ -5,7 +5,6 @@
   authenticity_token
   code
   email
-  idv_finance_form
   idv_phone_form
   password
   phone
diff --git a/config/locales/idv/en.yml b/config/locales/idv/en.yml
index 81e33e2d946..fb0b5377761 100644
--- a/config/locales/idv/en.yml
+++ b/config/locales/idv/en.yml
@@ -23,12 +23,9 @@ en:
     errors:
       bad_dob: Your date of birth must be a valid date.
       duplicate_ssn: An account already exists with the information you provided.
-      finance_number_length: Number must be between %{minimum} and %{maximum} digits.
       hardfail: We were unable to verify your identity at this time.
       incorrect_password: The password you entered is not correct.
-      invalid_ccn: Credit card number should be only last 8 digits.
       mail_limit_reached: You have have requested too much mail in the last month.
-      missing_finance: You must provide a financial account number.
       pattern_mismatch:
         dob: Your date of birth must be entered in as mm/dd/yyyy
         personal_key: 'Please enter your personal key for this account. Example: ABC1-DEF2-G3HI-J456'
@@ -38,15 +35,11 @@ en:
       activate_by_mail: Activate my account by mail.
       address1: Street address 1
       address2: Street address 2 (optional)
-      auto_loan: Auto loan account number
-      ccn: Last 8 digits of a credit card
       city: City
       dob: Date of birth
       dob_hint: 'example: 01/17/1964'
       first_name: First name
-      home_equity_line: Home equity line of credit account number
       last_name: Last name
-      mortgage: Mortgage loan account number
       no_alternate_phone_html: I don't have another phone number. %{link}
       password: Password
       personal_details: Personal details
@@ -54,11 +47,8 @@ en:
       phone_label_aside: Mobile or landline
       previous_address_add: Add previous address
       previous_address_html: Moved in the <strong>last 3 months</strong>?
-      select_financial_account: Select a financial account…
       ssn_label_html: Social Security Number %{tooltip}
       state: State
-      use_ccn: Provide credit card number >
-      use_financial_account: Don't have a credit card?
       zipcode: ZIP Code
     index:
       continue_link: Yes, continue
@@ -110,26 +100,12 @@ en:
       hardfail: We can't log you in right now, but you can try verifying your identity
         again in %{hours} hours.
       hardfail4_html: Go to <strong>%{sp}</strong> for help accessing your services.
-      finance:
-        disclaimer: By continuing, you agree to let %{app_name} compare the account
-          information you provide with third-party sources in order to verify your
-          identity.
-        hint: You can use Mastercard, Visa, Diner's Club, or JCB.
-        intro_account: Help us verify your identity by providing an auto loan, mortgage,
-          or home equity loan number.
-        intro_ccn_help: how your information will be used
-        intro_ccn_html: Help us verify your identity by providing the last 8 digits
-          of a credit card. Learn more about %{intro_help_link}.
-        no_account: Want to use a credit card instead?
-        no_account_info: Help us verify your identity by providing the last 8 digits
-          of your credit card.
       help_center_html: Visit our <strong>Help Center</strong> to learn more about
         verifying your account.
       loading: Verifying your identity
       mail_sent: Your letter is on its way
       otp_delivery_method:
         phone_number_html: We will send a code to <strong>%{phone}</strong>
-      personal_details_verified: Personal details verified!
       personal_key: This is your new personal key. Write it down and keep it in a
         safe place. You will need it if you ever lose your password.
       phone:
@@ -145,7 +121,6 @@ en:
       return_to_profile: "‹ Return to your login.gov profile"
       return_to_sp_html: You can now log into <strong>%{sp}</strong>.
       review:
-        financial_info: Where is my financial account information?
         info_verified_html: We found records matching your %{phone_message}
         intro: Your verified information
       select_verification_form:
@@ -179,15 +154,6 @@ en:
         fail: Okay
         jobfail: Try again tomorrow
         warning: Try again
-      financials:
-        fail: Your account is <strong>locked for 24 hours</strong> before you can
-          try to verify again. Check our Help section for more information about identity
-          verification.
-        heading: We could not find records matching your financial information.
-        jobfail: Something went wrong and we cannot process your request at this time.
-          Please try again tomorrow.
-        timeout: Our request to verify your information timed out.
-        warning: Please check the information you entered.
       phone:
         fail: Your account is <strong>locked for 24 hours</strong> before you can
           try to verify again. Check our Help section for more information about identity
@@ -219,7 +185,6 @@ en:
       dupe: 'Error: An account may already exist'
       expectations: Next, help us identify you
       fail: We were unable to verify your identity
-      financials: Provide a financial account number
       hardfail: We weren't able to verify your identity with %{app}
       intro: Help us identify you
       mail:
diff --git a/config/locales/idv/es.yml b/config/locales/idv/es.yml
index 42cfcc118df..960c7f7c99b 100644
--- a/config/locales/idv/es.yml
+++ b/config/locales/idv/es.yml
@@ -23,13 +23,9 @@ es:
     errors:
       bad_dob: Su fecha de nacimiento debe ser una fecha válida.
       duplicate_ssn: Ya existe una cuenta con la información que proporcionó.
-      finance_number_length: El número debe estar entre los dígitos %{minimum} y %{maximum}.
       hardfail: No pudimos verificar su identidad en este momento.
       incorrect_password: La contraseña que ingresó no es correcta.
-      invalid_ccn: El número de la tarjeta de crédito debe ser de sólo los últimos
-        8 dígitos.
       mail_limit_reached: Usted ha solicitado demasiado correo en el último mes.
-      missing_finance: Debe proporcionar un número de cuenta financiera.
       pattern_mismatch:
         dob: Su fecha de nacimiento debe ser ingresada en este formato mes/día/año.
         personal_key: 'Introduzca su clave personal para esta cuenta. Ejemplo: ABC1-DEF2-G3HI-J456'
@@ -39,16 +35,11 @@ es:
       activate_by_mail: Activar mi cuenta por correo.
       address1: Dirección de calle 1
       address2: Dirección de calle 2 (opcional)
-      auto_loan: Número de cuenta de préstamo de auto
-      ccn: Últimos 8 dígitos de una tarjeta de crédito
       city: Ciudad
       dob: Fecha de nacimiento
       dob_hint: 'Ejemplo: 01/17/1964'
       first_name: Nombre
-      home_equity_line: Número de la cuenta del préstamo sobre el valor neto de la
-        vivienda
       last_name: Apellido
-      mortgage: Número de la cuenta de préstamo hipotecario
       no_alternate_phone_html: No tengo otro número de teléfono. %{link}
       password: Contraseña
       personal_details: Detalles personales
@@ -56,11 +47,8 @@ es:
       phone_label_aside: Celular o teléfono fijo
       previous_address_add: Añadir la dirección anterior
       previous_address_html: "¿Se mudó en los <strong>últimos 3 meses</ strong>?"
-      select_financial_account: Seleccione una cuenta financiera...
       ssn_label_html: Número de Seguro Social %{tooltip}
       state: Estado
-      use_ccn: Proporcione el número de tarjeta de crédito >
-      use_financial_account: "¿No tiene una tarjeta de crédito?"
       zipcode: Código postal
     index:
       continue_link: Sí, continuar
@@ -108,19 +96,6 @@ es:
         una cuenta, pero con un email diferente.
       dupe_ssn2_html: Por favor %{link} con el email que utilizó originalmente.
       dupe_ssn2_link: Cerrar ahora y volver a iniciar sesión
-      finance:
-        disclaimer: Al continuar acepta que %{app_name} compare la información de
-          la cuenta que proporciona con fuentes de terceros para verificar su identidad.
-        hint: Puede utilizar Mastercard, Visa, Diner's Club o JCB.
-        intro_account: Ayúdenos a verificar su identidad proporcionando información
-          sobre un préstamo de auto, una hipoteca o un número de préstamo sobre el
-          valor neto de su casa.
-        intro_ccn_help: cómo se utilizará su información
-        intro_ccn_html: Ayúdenos a verificar su identidad proporcionando los últimos
-          8 dígitos de una tarjeta de crédito. Obtenga más información sobre %{intro_help_link}.
-        no_account: "¿Desea usar una tarjeta de crédito?"
-        no_account_info: Ayúdenos a verificar su identidad proporcionando los últimos
-          8 dígitos de su tarjeta de crédito.
       hardfail: NOT TRANSLATED YET
       hardfail4_html: NOT TRANSLATED YET
       help_center_html: Visite nuestro <strong>Centro de Ayuda</strong> para obtener
@@ -129,7 +104,6 @@ es:
       mail_sent: Su carta está en camino
       otp_delivery_method:
         phone_number_html: NOT TRANSLATED YET
-      personal_details_verified: "¡Detalles personales verificados!"
       personal_key: Esta es su nueva clave personal. Escríbala y guárdela en un lugar
         seguro. La necesitará si pierde su contraseña.
       phone:
@@ -146,7 +120,6 @@ es:
       return_to_profile: NOT TRANSLATED YET
       return_to_sp_html: NOT TRANSLATED YET
       review:
-        financial_info: "¿Dónde está la información de mi cuenta financiera?"
         info_verified_html: Encontramos registros que coinciden con su %{phone_message}
         intro: Su información verificada
       select_verification_form:
@@ -179,15 +152,6 @@ es:
         fail: Bueno
         jobfail: Inténtelo de nuevo mañana
         warning: Inténtelo de nuevo
-      financials:
-        fail: Su cuenta está <strong>bloqueada por 24 horas</ strong> antes de intentar
-          verificarla de nuevo. Consulte nuestra sección de Ayuda para obtener más
-          información sobre la verificación de identidad.
-        heading: No hemos podido encontrar registros que coincidan con su información
-          financiera.
-        jobfail: NOT TRANSLATED YET
-        timeout: NOT TRANSLATED YET
-        warning: Compruebe la información que ingresó.
       phone:
         fail: Su cuenta está <strong>bloqueada por 24 horas</ strong> antes de intentar
           verificarla de nuevo. Consulte nuestra sección de Ayuda para obtener más
@@ -219,7 +183,6 @@ es:
       dupe: 'Error: Una cuenta puede que ya exista.'
       expectations: A continuación, ayúdenos a identificarlo.
       fail: No pudimos verificar su identidad.
-      financials: Proporcione un número de cuenta financiera.
       hardfail: No pudimos verificar su identidad con %{app}.
       intro: Ayúdenos a identificarlo
       mail:
diff --git a/config/locales/idv/fr.yml b/config/locales/idv/fr.yml
index 1b17c933a26..d48b64283a4 100644
--- a/config/locales/idv/fr.yml
+++ b/config/locales/idv/fr.yml
@@ -24,14 +24,10 @@ fr:
     errors:
       bad_dob: Votre date de naissance doit être une date valide.
       duplicate_ssn: Un compte existe déjà avec l'information que vous avez fournie.
-      finance_number_length: Le nombre doit comprendre entre %{minimum} et %{maximum}
         chiffres.
       hardfail: Nous sommes dans l'incapacité de vérifier votre identité pour le moment.
       incorrect_password: Le mot de passe que vous avez inscrit est incorrect.
-      invalid_ccn: Vous devez inscrire seulement les 8 derniers chiffres du numéro
-        de carte de crédit.
       mail_limit_reached: Vous avez demandé trop de lettres au cours du dernier mois.
-      missing_finance: Vous devez fournir un numéro de compte bancaire.
       pattern_mismatch:
         dob: 'Votre date de naissance doit être inscrite de cette façon: mm/jj/aaaa'
         personal_key: 'Veuillez inscrire votre clé personnelle pour ce compte, par
@@ -43,15 +39,11 @@ fr:
       activate_by_mail: Activer mon compte par la poste.
       address1: Adresse 1
       address2: Adresse 2 (optional)
-      auto_loan: Numéro du prêt automobile
-      ccn: Les 8 derniers chiffres d'une carte de crédit
       city: Ville
       dob: Date de naissance
       dob_hint: 'exemple : 01/17/1964'
       first_name: Prénom
-      home_equity_line: Numéro du compte de crédit hypothécaire
       last_name: Nom de famille
-      mortgage: Numéro du compte de prêt hypothécaire
       no_alternate_phone_html: Je n'ai pas de numéro de téléphone. %{link}
       password: Mot de passe
       personal_details: Information personnelle
@@ -59,11 +51,8 @@ fr:
       phone_label_aside: Ligne mobile ou fixe
       previous_address_add: Inscrire votre adresse précédente
       previous_address_html: Avez-vous déménagé au cours des strong3 derniers mois/strong?
-      select_financial_account: Sélectionnez un compte bancaire…
       ssn_label_html: Numéro de sécurité sociale %{tooltip}
       state: État
-      use_ccn: Fournissez un numéro de carte de crédit
-      use_financial_account: Vous n'avez pas de carte de crédit?
       zipcode: Code ZIP
     index:
       continue_link: Oui, continuer
@@ -113,21 +102,6 @@ fr:
       dupe_ssn2_html: Veuillez %{link} avec l'adresse courriel que vous avez utilisée
         originalement.
       dupe_ssn2_link: déconnectez-vous puis connectez-vous à nouveau
-      finance:
-        disclaimer: En continuant, vous acceptez que %{app_name} compare l'information
-          du compte que vous avez fournie avec des sources tiers afin de vérifier
-          votre identité.
-        hint: Vous pouvez utiliser Mastercard, Visa, Diner's Club, ou JCB.
-        intro_account: Aidez-nous à vérifier votre identité en fournissant le numéro
-          de votre prêt automobile, de votre prêt hypothécaire, ou de votre crédit
-          hypothécaire.
-        intro_ccn_help: comment votre information sera utilisée
-        intro_ccn_html: Aidez-nous à vérifier votre identité en fournissant les 8
-          derniers chiffres de votre carte de crédit. Suivez ce lien pour en apprendre
-          davantage %{intro_help_link}.
-        no_account: Vous préférez utiliser une carte de crédit?
-        no_account_info: Aidez-nous à vérifier votre identité en fournissant les 8
-          derniers chiffres de votre carte de crédit.
       hardfail: NOT TRANSLATED YET
       hardfail4_html: NOT TRANSLATED YET
       help_center_html: Visitez notre <strong>Centre d'aide</strong> pour en apprendre
@@ -136,7 +110,6 @@ fr:
       mail_sent: Votre lettre est en route
       otp_delivery_method:
         phone_number_html: NOT TRANSLATED YET
-      personal_details_verified: Information personnelle vérifiée!
       personal_key: Il s'agit de votre nouvelle clé personnelle. Notez-la et conservez-la
         dans un endroit sécuritaire. Vous en aurez besoin si vous perdez votre mot
         de passe.
@@ -154,7 +127,6 @@ fr:
       return_to_profile: NOT TRANSLATED YET
       return_to_sp_html: NOT TRANSLATED YET
       review:
-        financial_info: Où se trouve l'information sur mon compte bancaire?
         info_verified_html: Nous avons trouvé des données qui correspondent à votre
           %{phone_message}
         intro: Vos informations vérifiées
@@ -190,14 +162,6 @@ fr:
         fail: OK
         jobfail: Essayez à nouveau demain
         warning: Essayez à nouveau
-      financials:
-        fail: Votre compte est strongverrouillé pour 24 heures/strong au cours desquelles
-          vous ne pourrez pas y accéder. Consultez notre Centre d'aide pour plus d'information
-          sur la vérification de votre identité.
-        heading: Nous ne trouvons pas de données qui correspondent à vos données financières.
-        jobfail: NOT TRANSLATED YET
-        timeout: NOT TRANSLATED YET
-        warning: Veuillez vérifier l'information que vous avez fournie.
       phone:
         fail: Votre compte est strongverrouillé pour 24 heures/strong au cours desquelles
           vous ne pourrez pas y accéder. Consultez notre Centre d'aide pour plus d'information
@@ -230,7 +194,6 @@ fr:
       dupe: 'Erreur: un compte existe déjà'
       expectations: Ensuite, aidez-vous à vous identifier
       fail: Nous sommes dans l'incapacité de vérifier votre identité pour le moment
-      financials: Veuillez fournir un numéro de compte bancaire
       hardfail: Nous sommes dans l'incapacité de vérifier votre identité avec %{app}
       intro: Aidez-nous à vous identifier
       mail:
diff --git a/config/routes.rb b/config/routes.rb
index 993bc784c36..e36873f3dbe 100644
--- a/config/routes.rb
+++ b/config/routes.rb
@@ -138,10 +138,6 @@
       get '/verify/confirmations' => 'verify/confirmations#show'
       post '/verify/confirmations' => 'verify/confirmations#update'
       get '/verify/fail' => 'verify#fail'
-      get '/verify/finance' => 'verify/finance#new'
-      put '/verify/finance' => 'verify/finance#create'
-      get '/verify/finance/other' => 'verify/finance_other#new'
-      get '/verify/finance/result' => 'verify/finance#show'
       get '/verify/otp_delivery_method' => 'verify/otp_delivery_method#new'
       put '/verify/otp_delivery_method' => 'verify/otp_delivery_method#create'
       get '/verify/phone' => 'verify/phone#new'
diff --git a/lib/config_validator.rb b/lib/config_validator.rb
index da7b708bd9f..7cba052ccfa 100644
--- a/lib/config_validator.rb
+++ b/lib/config_validator.rb
@@ -1,7 +1,6 @@
 class ConfigValidator
   ENV_PREFIX = Figaro::Application::FIGARO_ENV_PREFIX
   NON_EMPTY_KEYS = %w[
-    finance_proofing_vendor
     phone_proofing_vendor
     profile_proofing_vendor
   ].freeze
diff --git a/spec/controllers/verify/finance_controller_spec.rb b/spec/controllers/verify/finance_controller_spec.rb
deleted file mode 100644
index 438a04260fe..00000000000
--- a/spec/controllers/verify/finance_controller_spec.rb
+++ /dev/null
@@ -1,290 +0,0 @@
-require 'rails_helper'
-
-describe Verify::FinanceController do
-  let(:max_attempts) { Idv::Attempter.idv_max_attempts }
-
-  describe 'before_actions' do
-    it 'includes authentication before_action' do
-      expect(subject).to have_actions(
-        :before,
-        :confirm_two_factor_authenticated,
-        :confirm_idv_session_started
-      )
-    end
-  end
-
-  describe '#new' do
-    it 'redirects to review when step is complete' do
-      stub_subject
-      subject.idv_session.financials_confirmation = true
-
-      get :new
-
-      expect(response).to redirect_to verify_address_path
-    end
-
-    it 'redirects to fail when step attempts are exceeded' do
-      stub_subject
-      subject.idv_session.step_attempts[:financials] = max_attempts
-
-      get :new
-
-      expect(response).to redirect_to verify_fail_path
-    end
-  end
-
-  describe '#create' do
-    before do
-      stub_subject
-    end
-
-    context 'when form is invalid' do
-      context 'when finance_account is missing' do
-        it 'renders #new' do
-          put :create, params: { idv_finance_form: { foo: 'bar' } }
-
-          expect(response).to render_template :new
-          expect(flash[:warning]).to be_nil
-          expect(subject.idv_session.params).to be_empty
-        end
-      end
-
-      context 'when finance_type is invalid' do
-        it 'renders #new with error' do
-          put :create, params: { idv_finance_form: { finance_type: 'foo', finance_account: '123' } }
-
-          expect(response).to render_template :new
-          expect(flash[:warning]).to be_nil
-          expect(subject.idv_session.params).to be_empty
-        end
-      end
-
-      context 'when finance_type is ccn' do
-        it 'renders verify/finance/new with error' do
-          put :create, params: { idv_finance_form: { finance_type: 'ccn', finance_account: 'abc' } }
-
-          expect(response).to render_template :new
-          expect(flash[:warning]).to be_nil
-          expect(subject.idv_session.params).to be_empty
-        end
-      end
-
-      %w[mortgage auto_loan home_equity_line].each do |finance_type|
-        context "when finance_type is #{finance_type}" do
-          it 'renders verify/finance_other/new with error' do
-            put :create, params: {
-              idv_finance_form: { finance_type: finance_type, finance_account: 'abc' },
-            }
-
-            expect(response).to render_template :new
-            expect(flash[:warning]).to be_nil
-            expect(subject.idv_session.params).to be_empty
-          end
-        end
-      end
-
-      it 'tracks the form errors and does not make a vendor API call' do
-        stub_analytics
-        allow(@analytics).to receive(:track_event)
-
-        expect(Idv::SubmitIdvJob).to_not receive(:submit_finance_job)
-
-        put :create, params: { idv_finance_form: { finance_type: :ccn, ccn: '123' } }
-
-        result = {
-          success: false,
-          errors: { ccn: ['Credit card number should be only last 8 digits.'] },
-        }
-
-        expect(@analytics).to have_received(:track_event).
-          with(Analytics::IDV_FINANCE_CONFIRMATION_FORM, result)
-        expect(subject.idv_session.financials_confirmation).to be_falsy
-      end
-    end
-
-    context 'when form is valid' do
-      it 'redirects to the show page' do
-        put :create, params: { idv_finance_form: { finance_type: :ccn, ccn: '12345678' } }
-
-        expect(response).to redirect_to(verify_finance_result_path)
-      end
-
-      it 'tracks the successful submission with no errors' do
-        stub_analytics
-        allow(@analytics).to receive(:track_event)
-
-        put :create, params: { idv_finance_form: { finance_type: :ccn, ccn: '12345678' } }
-
-        result = {
-          success: true,
-          errors: {},
-        }
-
-        expect(@analytics).to have_received(:track_event).with(
-          Analytics::IDV_FINANCE_CONFIRMATION_FORM, result
-        )
-      end
-    end
-  end
-
-  describe '#show' do
-    before do
-      stub_subject
-    end
-
-    context 'when the background job is not complete yet' do
-      render_views
-
-      it 'renders a spinner and has the page refresh' do
-        get :show
-
-        expect(response).to render_template('shared/refresh')
-
-        dom = Nokogiri::HTML(response.body)
-        expect(dom.css('meta[http-equiv="refresh"]')).to be_present
-      end
-    end
-
-    context 'when the background job has timed out' do
-      let(:expired_started_at) do
-        Time.zone.now.to_i - Figaro.env.async_job_refresh_max_wait_seconds.to_i
-      end
-
-      before do
-        controller.idv_session.async_result_started_at = expired_started_at
-        controller.idv_session.params = { ccn: '12345678' }
-      end
-
-      it 'displays an error' do
-        get :show
-
-        expect(response).to render_template :new
-        expect(flash[:warning]).to include(t('idv.modal.financials.timeout'))
-      end
-
-      it 'tracks the failure as a timeout' do
-        stub_analytics
-        allow(@analytics).to receive(:track_event)
-
-        get :show
-
-        result = {
-          success: false,
-          errors: { timed_out: ['Timed out waiting for vendor response'] },
-        }
-
-        expect(@analytics).to have_received(:track_event).with(
-          Analytics::IDV_FINANCE_CONFIRMATION_VENDOR, result
-        )
-      end
-    end
-
-    context 'when the background job has completed' do
-      let(:result_id) { SecureRandom.uuid }
-
-      before do
-        controller.idv_session.async_result_id = result_id
-        VendorValidatorResultStorage.new.store(result_id: result_id, result: result)
-      end
-
-      context 'when CCN is confirmed' do
-        let(:result) { Idv::VendorResult.new(success: true) }
-
-        it 'redirects to phone page' do
-          controller.idv_session.params = { ccn: '12345678' }
-
-          get :show
-
-          expect(flash[:success]).to eq(t('idv.messages.personal_details_verified'))
-          expect(response).to redirect_to verify_address_url
-
-          expected_params = { ccn: '12345678' }
-          expect(subject.idv_session.params).to eq expected_params
-        end
-
-        it 'tracks the successful submission with no errors' do
-          stub_analytics
-          allow(@analytics).to receive(:track_event)
-
-          get :show
-
-          result = {
-            success: true,
-            errors: {},
-          }
-
-          expect(@analytics).to have_received(:track_event).with(
-            Analytics::IDV_FINANCE_CONFIRMATION_VENDOR, result
-          )
-        end
-      end
-
-      context 'when CCN is not confirmed' do
-        let(:result) do
-          Idv::VendorResult.new(
-            success: false,
-            errors: { ccn: ['The ccn could not be verified.'] }
-          )
-        end
-
-        before do
-          controller.idv_session.params = { finance_type: 'ccn', ccn: '00000000' }
-        end
-
-        it 'renders #new with error' do
-          get :show
-
-          expect(flash[:warning]).to match t('idv.modal.financials.heading')
-          expect(flash[:warning]).to match t('idv.modal.attempts', count: max_attempts - 1)
-          expect(response).to render_template :new
-        end
-
-        it 'tracks the vendor error' do
-          stub_analytics
-          allow(@analytics).to receive(:track_event)
-
-          get :show
-
-          result = {
-            success: false,
-            errors: { ccn: ['The ccn could not be verified.'] },
-          }
-
-          expect(@analytics).to have_received(:track_event).
-            with(Analytics::IDV_FINANCE_CONFIRMATION_VENDOR, result)
-        end
-      end
-
-      context 'attempt window has expired, previous attempts == max-1' do
-        let(:result) { Idv::VendorResult.new(success: true) }
-        let(:two_days_ago) { Time.zone.now - 2.days }
-
-        before do
-          subject.current_user.idv_attempts = max_attempts - 1
-          subject.current_user.idv_attempted_at = two_days_ago
-        end
-
-        it 'allows and does not affect attempt counter' do
-          get :show
-
-          expect(response).to redirect_to verify_address_path
-          expect(subject.current_user.idv_attempts).to eq(max_attempts - 1)
-          expect(subject.current_user.idv_attempted_at).to eq two_days_ago
-        end
-      end
-    end
-  end
-
-  def stub_subject
-    user = stub_sign_in
-    idv_session = Idv::Session.new(
-      user_session: subject.user_session,
-      current_user: user,
-      issuer: nil
-    )
-    idv_session.applicant = Proofer::Applicant.new first_name: 'Some', last_name: 'One'
-    allow(subject).to receive(:confirm_idv_session_started).and_return(true)
-    allow(subject).to receive(:confirm_idv_attempts_allowed).and_return(true)
-    allow(subject).to receive(:idv_session).and_return(idv_session)
-  end
-end
diff --git a/spec/controllers/verify/phone_controller_spec.rb b/spec/controllers/verify/phone_controller_spec.rb
index f7490035920..e312a0505a6 100644
--- a/spec/controllers/verify/phone_controller_spec.rb
+++ b/spec/controllers/verify/phone_controller_spec.rb
@@ -185,7 +185,7 @@
         get :show
 
         expect(response).to render_template :new
-        expect(flash[:warning]).to include(t('idv.modal.financials.timeout'))
+        expect(flash[:warning]).to include(t('idv.modal.phone.timeout'))
       end
 
       it 'tracks the failure as a timeout' do
diff --git a/spec/controllers/verify/review_controller_spec.rb b/spec/controllers/verify/review_controller_spec.rb
index 271ab1353fa..ba61ffe6210 100644
--- a/spec/controllers/verify/review_controller_spec.rb
+++ b/spec/controllers/verify/review_controller_spec.rb
@@ -37,7 +37,6 @@
     )
     idv_session.profile_confirmation = true
     idv_session.vendor_phone_confirmation = true
-    idv_session.financials_confirmation = true
     idv_session.params = user_attrs
     idv_session.normalized_applicant_params = user_attrs.merge(
       zipcode: norm_zipcode, first_name: normalized_first_name
@@ -86,18 +85,6 @@ def show
         expect(response).to redirect_to verify_address_path
       end
     end
-
-    context 'user has missed finance step' do
-      before do
-        idv_session.financials_confirmation = false
-      end
-
-      it 'redirects to finance step' do
-        get :show
-
-        expect(response).to redirect_to verify_finance_path
-      end
-    end
   end
 
   describe '#confirm_idv_phone_confirmed' do
diff --git a/spec/controllers/verify/sessions_controller_spec.rb b/spec/controllers/verify/sessions_controller_spec.rb
index 6620498665e..26417e25405 100644
--- a/spec/controllers/verify/sessions_controller_spec.rb
+++ b/spec/controllers/verify/sessions_controller_spec.rb
@@ -62,7 +62,7 @@
 
         get :new
 
-        expect(response).to redirect_to verify_finance_path
+        expect(response).to redirect_to verify_address_path
       end
 
       context 'max attempts exceeded' do
@@ -378,7 +378,7 @@
           it 'allows and resets attempt counter' do
             get :show
 
-            expect(response).to redirect_to verify_finance_path
+            expect(response).to redirect_to verify_address_path
             expect(user.idv_attempts).to eq 1
           end
         end
diff --git a/spec/features/accessibility/idv_pages_spec.rb b/spec/features/accessibility/idv_pages_spec.rb
index ef58a6f0f60..1b3dc4f4edd 100644
--- a/spec/features/accessibility/idv_pages_spec.rb
+++ b/spec/features/accessibility/idv_pages_spec.rb
@@ -31,24 +31,11 @@
       expect(page).to be_accessible
     end
 
-    scenario 'finance info' do
-      sign_in_and_2fa_user
-      visit verify_session_path
-      fill_out_idv_form_ok
-      click_button t('forms.buttons.continue')
-
-      visit verify_finance_path
-
-      expect(current_path).to eq verify_finance_path
-      expect(page).to be_accessible
-    end
-
     scenario 'phone info' do
       sign_in_and_2fa_user
       visit verify_session_path
       fill_out_idv_form_ok
       click_button t('forms.buttons.continue')
-      fill_out_and_submit_finance_form
       click_idv_address_choose_phone
 
       expect(current_path).to eq verify_phone_path
@@ -60,7 +47,6 @@
       visit verify_session_path
       fill_out_idv_form_ok
       click_button t('forms.buttons.continue')
-      fill_out_and_submit_finance_form
       click_idv_address_choose_phone
       fill_out_phone_form_ok(user.phone)
       click_button t('forms.buttons.continue')
@@ -74,7 +60,6 @@
       visit verify_session_path
       fill_out_idv_form_ok
       click_idv_continue
-      fill_out_and_submit_finance_form
       click_idv_address_choose_phone
       fill_out_phone_form_ok(user.phone)
       click_idv_continue
@@ -84,10 +69,5 @@
       expect(current_path).to eq verify_confirmations_path
       expect(page).to be_accessible
     end
-
-    def fill_out_and_submit_finance_form
-      fill_in :idv_finance_form_ccn, with: '12345678'
-      click_button t('forms.buttons.continue')
-    end
   end
 end
diff --git a/spec/features/idv/flow_spec.rb b/spec/features/idv/flow_spec.rb
index cd523383d7d..2b24ae42ea4 100644
--- a/spec/features/idv/flow_spec.rb
+++ b/spec/features/idv/flow_spec.rb
@@ -30,14 +30,11 @@
       fill_out_idv_form_ok
       click_idv_continue
 
-      expect(page).to have_content(t('idv.form.ccn'))
       expect(page).to have_content(
         t('idv.messages.sessions.success',
           pii_message: t('idv.messages.sessions.pii'))
       )
 
-      fill_out_financial_form_ok
-      click_idv_continue
       click_idv_address_choose_phone
       fill_out_phone_form_ok(user.phone)
       click_idv_continue
@@ -82,16 +79,13 @@
       expect(page).to have_css('.modal-warning', text: t('idv.modal.sessions.heading'))
     end
 
-    scenario 'profile and financial steps are not re-entrant and are sticky on failure', :js do
+    scenario 'profile steps is not re-entrant and are sticky on failure', :js do
       user = sign_in_and_2fa_user
 
       visit verify_session_path
 
       first_ssn_value = '666-66-6666'
       second_ssn_value = '666-66-1234'
-      first_ccn_value = '00000000'
-      second_ccn_value = '12345678'
-      mortgage_value = '00000000'
       good_phone_value = '415-555-9999'
       good_phone_formatted = '+1 (415) 555-9999'
       bad_phone_formatted = '+1 (555) 555-5555'
@@ -110,51 +104,6 @@
       fill_out_idv_form_ok
       click_idv_continue
 
-      # success advances to next step
-      expect(current_path).to eq verify_finance_path
-
-      # we start with blank form
-      expect(page).to_not have_selector("input[value='#{first_ccn_value}']")
-
-      fill_in :idv_finance_form_ccn, with: first_ccn_value
-      click_idv_continue
-
-      # failure reloads the form and shows warning modal
-      expect(current_path).to eq verify_finance_result_path
-      expect(page).to have_css('.modal-warning', text: t('idv.modal.financials.heading'))
-      click_button t('idv.modal.button.warning')
-
-      # can't go "back" to a successful profile step
-      visit verify_session_path
-      expect(current_path).to eq verify_finance_path
-
-      # re-entering a failed step is sticky
-      expect(page).to have_content(t('idv.form.ccn'))
-      expect(page).to have_selector("input[value='#{first_ccn_value}']")
-
-      # try again, but with different finance type
-      click_link t('idv.form.use_financial_account')
-
-      expect(current_path).to eq verify_finance_other_path
-
-      select t('idv.form.mortgage'), from: 'idv_finance_form_finance_type'
-      fill_in :idv_finance_form_mortgage, with: mortgage_value
-      click_idv_continue
-
-      # failure reloads the same sticky form (different path) and shows warning modal
-      expect(current_path).to eq verify_finance_result_path
-      click_button t('idv.modal.button.warning')
-      expect(page).to have_selector("input[value='#{mortgage_value}']")
-
-      # try again with CCN
-      click_link t('idv.form.use_ccn')
-      fill_in :idv_finance_form_ccn, with: second_ccn_value
-      click_idv_continue
-
-      # can't go "back" to a successful finance step
-      visit verify_finance_path
-      expect(current_path).to eq verify_address_path
-
       # address mechanism choice
       click_idv_address_choose_phone
 
@@ -184,9 +133,6 @@
       expect(page).to have_content(t('idv.titles.session.review'))
       expect(page).to have_content(second_ssn_value)
       expect(page).to_not have_content(first_ssn_value)
-      expect(page).to_not have_content(second_ccn_value)
-      expect(page).to_not have_content(mortgage_value)
-      expect(page).to_not have_content(first_ccn_value)
       expect(page).to have_content(good_phone_formatted)
       expect(page).to_not have_content(bad_phone_formatted)
     end
@@ -199,8 +145,6 @@
       visit verify_session_path
       fill_out_idv_form_ok
       click_idv_continue
-      fill_out_financial_form_ok
-      click_idv_continue
       click_idv_address_choose_phone
       fill_out_phone_form_ok(phone)
       click_idv_continue
@@ -255,61 +199,6 @@
       expect(find('#profile_prev_address1').value).to eq ''
     end
 
-    scenario 'clicking finance option changes input label', js: true do
-      _user = sign_in_and_2fa_user
-
-      visit verify_session_path
-
-      fill_out_idv_form_ok
-      click_idv_continue
-
-      expect(page).to_not have_css('.js-finance-wrapper', text: t('idv.form.mortgage'))
-
-      click_link t('idv.form.use_financial_account')
-
-      expect(page).to_not have_content(t('idv.form.ccn'))
-      expect(page).to have_css('input[type=submit][disabled]')
-      expect(page).to have_css('.js-finance-wrapper', text: t('idv.form.auto_loan'), visible: false)
-
-      select t('idv.form.auto_loan'), from: 'idv_finance_form_finance_type'
-
-      expect(page).to have_css('.js-finance-wrapper', text: t('idv.form.auto_loan'), visible: true)
-    end
-
-    scenario 'enters invalid finance value', js: true do
-      _user = sign_in_and_2fa_user
-      visit verify_session_path
-      fill_out_idv_form_ok
-      click_idv_continue
-      click_link t('idv.form.use_financial_account')
-
-      select t('idv.form.mortgage'), from: 'idv_finance_form_finance_type'
-      short_value = '1' * (FormFinanceValidator::VALID_MINIMUM_LENGTH - 1)
-      fill_in :idv_finance_form_mortgage, with: short_value
-      click_button t('forms.buttons.continue')
-
-      expect(page).to have_content(
-        t(
-          'idv.errors.finance_number_length',
-          minimum: FormFinanceValidator::VALID_MINIMUM_LENGTH,
-          maximum: FormFinanceValidator::VALID_MAXIMUM_LENGTH
-        )
-      )
-    end
-
-    scenario 'credit card field only allows numbers', js: true do
-      _user = sign_in_and_2fa_user
-
-      visit verify_session_path
-
-      fill_out_idv_form_ok
-      click_idv_continue
-
-      find('#idv_finance_form_ccn').native.send_keys('abcd1234')
-
-      expect(find('#idv_finance_form_ccn').value).to eq '1234'
-    end
-
     context 'personal keys information and actions' do
       before do
         personal_key = 'a1b2c3d4e5f6g7h8'
@@ -347,8 +236,6 @@
 
           fill_out_idv_form_ok
           click_idv_continue
-          fill_out_financial_form_ok
-          click_idv_continue
 
           click_idv_cancel
 
@@ -364,8 +251,6 @@
 
           fill_out_idv_form_ok
           click_idv_continue
-          fill_out_financial_form_ok
-          click_idv_continue
 
           click_on t('links.cancel_idv')
           click_idv_cancel_modal
@@ -384,8 +269,6 @@
 
       fill_out_idv_form_ok
       click_idv_continue
-      fill_out_financial_form_ok
-      click_idv_continue
       click_idv_address_choose_phone
       fill_out_phone_form_ok(different_phone)
       click_idv_continue
@@ -403,8 +286,6 @@
 
       fill_out_idv_form_ok
       click_idv_continue
-      fill_out_financial_form_ok
-      click_idv_continue
       click_idv_address_choose_phone
       fill_out_phone_form_ok(different_phone)
       click_idv_continue
diff --git a/spec/features/idv/interrupted_session_spec.rb b/spec/features/idv/interrupted_session_spec.rb
index 347e5891978..2955eda075b 100644
--- a/spec/features/idv/interrupted_session_spec.rb
+++ b/spec/features/idv/interrupted_session_spec.rb
@@ -20,7 +20,7 @@
         fill_out_idv_form_ok
         click_button t('forms.buttons.continue')
 
-        expect(page).to have_content(t('idv.form.ccn'))
+        expect(page).to have_content(t('idv.messages.select_verification_form.phone_message'))
       end
     end
   end
diff --git a/spec/features/idv/max_attempts_spec.rb b/spec/features/idv/max_attempts_spec.rb
index 90573a02ba3..a77e0763aa3 100644
--- a/spec/features/idv/max_attempts_spec.rb
+++ b/spec/features/idv/max_attempts_spec.rb
@@ -21,33 +21,11 @@
     expect(page).to have_css('.modal-fail', text: t('idv.modal.sessions.heading'))
   end
 
-  scenario 'finance shows failure modal after max attempts', :email, :idv_job, :js do
-    sign_in_and_2fa_user
-    visit verify_session_path
-    fill_out_idv_form_ok
-    click_idv_continue
-
-    max_attempts_less_one.times do
-      fill_out_financial_form_fail
-      click_idv_continue
-      click_button t('idv.modal.button.warning')
-
-      expect(current_path).to eq verify_finance_result_path
-    end
-
-    fill_out_financial_form_fail
-    click_idv_continue
-
-    expect(page).to have_css('.modal-fail', text: t('idv.modal.financials.heading'))
-  end
-
   scenario 'phone shows failure modal after max attempts', :email, :idv_job, :js do
     sign_in_and_2fa_user
     visit verify_session_path
     fill_out_idv_form_ok
     click_idv_continue
-    fill_out_financial_form_ok
-    click_idv_continue
     click_idv_address_choose_phone
 
     max_attempts_less_one.times do
diff --git a/spec/features/idv/phone_spec.rb b/spec/features/idv/phone_spec.rb
index cbd4049a29e..48a1309acca 100644
--- a/spec/features/idv/phone_spec.rb
+++ b/spec/features/idv/phone_spec.rb
@@ -55,8 +55,6 @@
       visit verify_session_path
       fill_out_idv_form_ok
       click_idv_continue
-      fill_out_financial_form_ok
-      click_idv_continue
       click_idv_address_choose_phone
       fill_out_phone_form_ok
       click_idv_continue
@@ -81,8 +79,6 @@
       visit verify_session_path
       fill_out_idv_form_ok
       click_idv_continue
-      fill_out_financial_form_ok
-      click_idv_continue
       click_idv_address_choose_phone
 
       fill_in 'Phone', with: user.phone
@@ -108,8 +104,6 @@
     visit verify_session_path
     fill_out_idv_form_ok
     click_idv_continue
-    fill_out_financial_form_ok
-    click_idv_continue
 
     visit verify_phone_path
     fill_in 'Phone', with: ''
@@ -123,8 +117,6 @@
     visit verify_session_path
     fill_out_idv_form_ok
     click_idv_continue
-    fill_out_financial_form_ok
-    click_idv_continue
 
     visit verify_phone_path
     fill_in 'Phone', with: ''
@@ -136,8 +128,6 @@
   def complete_idv_profile_with_phone(phone)
     fill_out_idv_form_ok
     click_idv_continue
-    fill_out_financial_form_ok
-    click_idv_continue
     click_idv_address_choose_phone
     fill_out_phone_form_ok(phone)
     click_idv_continue
diff --git a/spec/features/idv/previous_address_spec.rb b/spec/features/idv/previous_address_spec.rb
index 71a018fd915..3fae19126b1 100644
--- a/spec/features/idv/previous_address_spec.rb
+++ b/spec/features/idv/previous_address_spec.rb
@@ -33,10 +33,6 @@ def expect_current_address_in_profile(user)
     fill_out_idv_previous_address_ok
     click_idv_continue
 
-    expect(current_path).to eq verify_finance_path
-
-    fill_out_financial_form_ok
-    click_idv_continue
     click_idv_address_choose_phone
     fill_out_phone_form_ok(user.phone)
     click_idv_continue
diff --git a/spec/features/saml/loa3_sso_spec.rb b/spec/features/saml/loa3_sso_spec.rb
index f81e6cfcec7..f725e83afaa 100644
--- a/spec/features/saml/loa3_sso_spec.rb
+++ b/spec/features/saml/loa3_sso_spec.rb
@@ -14,8 +14,6 @@ def perform_id_verification_with_usps_without_confirming_code(user)
     click_idv_begin
     fill_out_idv_form_ok
     click_idv_continue
-    fill_out_financial_form_ok
-    click_idv_continue
     click_idv_address_choose_usps
     click_on t('idv.buttons.mail.send')
     fill_in :user_password, with: user.password
@@ -204,7 +202,7 @@ def sign_out_user
         fill_out_idv_form_ok
         click_idv_continue
 
-        expect(current_path).to eq verify_finance_path
+        expect(current_path).to eq verify_address_path
       end
     end
   end
diff --git a/spec/forms/idv/finance_form_spec.rb b/spec/forms/idv/finance_form_spec.rb
deleted file mode 100644
index 2c2a027da57..00000000000
--- a/spec/forms/idv/finance_form_spec.rb
+++ /dev/null
@@ -1,124 +0,0 @@
-require 'rails_helper'
-
-describe Idv::FinanceForm do
-  subject { Idv::FinanceForm.new({}) }
-
-  describe 'presence validations' do
-    it 'is invalid when required attributes are not present' do
-      valid_params = { finance_type: :mortgage, mortgage: 'abc123' }
-
-      %i[finance_type mortgage].each do |attr|
-        subject.submit(valid_params.merge(attr => nil))
-
-        expect(subject).to_not be_valid
-        expect(subject.errors.full_messages.first).
-          to eq "#{attr.to_s.humanize} #{t('errors.messages.blank')}"
-      end
-    end
-
-    it 'is valid when required attributes are present' do
-      valid_params = { finance_type: :mortgage, mortgage: 'abcd1234' }
-      subject.submit(valid_params)
-
-      expect(subject).to be_valid
-    end
-  end
-
-  describe '#submit' do
-    context 'when the form is valid' do
-      let(:result) { subject.submit(ccn: '12345678', finance_type: :ccn) }
-
-      it 'returns a successful form response' do
-        expect(result).to be_kind_of(FormResponse)
-        expect(result.success?).to eq(true)
-        expect(result.errors).to be_empty
-      end
-
-      it 'adds ccn key to idv_params' do
-        expected_params = {
-          ccn: '12345678',
-        }
-        subject.submit(ccn: '12345678', finance_type: :ccn)
-        expect(subject.idv_params).to eq expected_params
-      end
-    end
-
-    context 'when the form is invalid' do
-      it 'returns an unsuccessful form response' do
-        result = subject.submit(foo: 'bar')
-        expect(result).to be_kind_of(FormResponse)
-        expect(result.success?).to eq(false)
-        expect(result.errors).to be_present
-      end
-    end
-
-    context 'when CCN is invalid' do
-      it 'returns an unsuccessful form response when alpha' do
-        result = subject.submit(ccn: '1234567a', finance_type: :ccn)
-        expect(result).to be_kind_of(FormResponse)
-        expect(result.success?).to eq(false)
-        expect(result.errors[:ccn]).to eq([t('idv.errors.invalid_ccn')])
-      end
-
-      it 'returns an unsuccessful form response when long' do
-        result = subject.submit(ccn: '123456789', finance_type: :ccn)
-        expect(result).to be_kind_of(FormResponse)
-        expect(result.success?).to eq(false)
-        expect(result.errors[:ccn]).to eq([t('idv.errors.invalid_ccn')])
-      end
-
-      it 'returns an unsuccessful form response when short' do
-        result = subject.submit(ccn: '1234567', finance_type: :ccn)
-        expect(result).to be_kind_of(FormResponse)
-        expect(result.success?).to eq(false)
-        expect(result.errors[:ccn]).to eq([t('idv.errors.invalid_ccn')])
-      end
-    end
-
-    context 'any non-ccn financial value is less than the minimum allowed digits' do
-      it 'returns an unsuccessful form response' do
-        finance_types = Idv::FinanceForm::FINANCE_TYPES
-        short_value = '1' * (FormFinanceValidator::VALID_MINIMUM_LENGTH - 1)
-
-        finance_types.each do |type|
-          next if type == :ccn
-          params = { type => short_value, finance_type: type }
-
-          result = subject.submit(params)
-          expect(result).to be_kind_of(FormResponse)
-          expect(result.success?).to eq(false)
-          expect(result.errors[type]).to eq([t(
-            'idv.errors.finance_number_length',
-            minimum: FormFinanceValidator::VALID_MINIMUM_LENGTH,
-            maximum: FormFinanceValidator::VALID_MAXIMUM_LENGTH
-          )])
-        end
-      end
-    end
-
-    context 'any non-ccn financial value is over the max allowed digits' do
-      it 'returns an unsuccessful form response' do
-        finance_types = Idv::FinanceForm::FINANCE_TYPES
-        long_value = '1' * (FormFinanceValidator::VALID_MAXIMUM_LENGTH + 1)
-
-        finance_types.each do |type|
-          next if type == :ccn
-          symbolized_type = type.to_sym
-          params = {
-            symbolized_type => long_value,
-            finance_type: symbolized_type,
-          }
-
-          result = subject.submit(params)
-          expect(result).to be_kind_of(FormResponse)
-          expect(result.success?).to eq(false)
-          expect(result.errors[symbolized_type]).to eq([t(
-            'idv.errors.finance_number_length',
-            minimum: FormFinanceValidator::VALID_MINIMUM_LENGTH,
-            maximum: FormFinanceValidator::VALID_MAXIMUM_LENGTH
-          )])
-        end
-      end
-    end
-  end
-end
diff --git a/spec/jobs/idv/finance_job_spec.rb b/spec/jobs/idv/finance_job_spec.rb
deleted file mode 100644
index 43b37a91eb5..00000000000
--- a/spec/jobs/idv/finance_job_spec.rb
+++ /dev/null
@@ -1,89 +0,0 @@
-require 'rails_helper'
-
-describe Idv::FinanceJob do
-  include ProoferJobHelper
-
-  describe '#perform' do
-    let(:result_id) { SecureRandom.uuid }
-    let(:applicant_json) { { first_name: 'Jean-Luc', last_name: 'Picard' }.to_json }
-    let(:vendor_params) { { ccn: '12345678' } }
-    let(:vendor_session_id) { SecureRandom.uuid }
-
-    context 'when verification succeeds' do
-      it 'should save a successful result' do
-        Idv::FinanceJob.perform_now(
-          result_id: result_id,
-          vendor_params: vendor_params,
-          applicant_json: applicant_json,
-          vendor_session_id: vendor_session_id
-        )
-        result = VendorValidatorResultStorage.new.load(result_id)
-
-        expect(result.success?).to eq(true)
-        expect(result.timed_out?).to eq(false)
-        expect(result.job_failed?).to eq(false)
-        expect(result.reasons).to eq(['Good number'])
-        expect(result.errors).to eq({})
-      end
-    end
-
-    context 'when verification fails' do
-      let(:vendor_params) { { ccn: '00000000' } }
-
-      it 'should save an unsuccessful result' do
-        Idv::FinanceJob.perform_now(
-          result_id: result_id,
-          vendor_params: vendor_params,
-          applicant_json: applicant_json,
-          vendor_session_id: vendor_session_id
-        )
-        result = VendorValidatorResultStorage.new.load(result_id)
-
-        expect(result.success?).to eq(false)
-        expect(result.timed_out?).to eq(false)
-        expect(result.job_failed?).to eq(false)
-        expect(result.reasons).to eq(['Bad number'])
-        expect(result.errors).to eq(ccn: 'The ccn could not be verified.')
-      end
-    end
-
-    context 'when the idv agent raises' do
-      before do
-        agent = instance_double(Idv::Agent)
-        allow(agent).to receive(:submit_financials).and_raise(RuntimeError, '🔥🔥🔥')
-        allow(Idv::Agent).to receive(:new).and_return(agent)
-      end
-
-      it 'should rescue from errors and save a failed job result' do
-        expect do
-          Idv::FinanceJob.perform_now(
-            result_id: result_id,
-            vendor_params: vendor_params,
-            applicant_json: applicant_json,
-            vendor_session_id: vendor_session_id
-          )
-        end.to raise_error(RuntimeError, '🔥🔥🔥')
-        result = VendorValidatorResultStorage.new.load(result_id)
-
-        expect(result.success?).to eq(false)
-        expect(result.timed_out?).to eq(false)
-        expect(result.job_failed?).to eq(true)
-      end
-    end
-
-    it 'selects the proofer vendor based on the config' do
-      mock_proofer_job_agent(config: :finance_proofing_vendor, vendor: 'fancy_vendor')
-
-      Idv::FinanceJob.perform_now(
-        result_id: result_id,
-        vendor_params: vendor_params,
-        applicant_json: applicant_json,
-        vendor_session_id: vendor_session_id
-      )
-      result = VendorValidatorResultStorage.new.load(result_id)
-
-      expect(Idv::Agent).to have_received(:new).with(hash_including(vendor: :fancy_vendor))
-      expect(result).to be_a(Idv::VendorResult)
-    end
-  end
-end
diff --git a/spec/lib/config_validator_spec.rb b/spec/lib/config_validator_spec.rb
index 7f46358b4e2..339758b69cc 100644
--- a/spec/lib/config_validator_spec.rb
+++ b/spec/lib/config_validator_spec.rb
@@ -4,7 +4,6 @@
   describe '#validate' do
     let(:env) do
       {
-        'finance_proofing_vendor' => 'mock',
         'phone_proofing_vendor' => 'mock',
         'profile_proofing_vendor' => 'mock',
       }
@@ -31,13 +30,12 @@
     end
 
     it 'raises if a non empty key is empty' do
-      env.delete('finance_proofing_vendor')
       env.delete('phone_proofing_vendor')
       mimic_figaro
 
       expect { ConfigValidator.new.validate(env) }.to raise_error(
         RuntimeError,
-        'These configs are required and were empty: finance_proofing_vendor, phone_proofing_vendor'
+        'These configs are required and were empty: phone_proofing_vendor'
       )
     end
 
diff --git a/spec/rails_helper.rb b/spec/rails_helper.rb
index 35c5e9e30d0..555968d4751 100644
--- a/spec/rails_helper.rb
+++ b/spec/rails_helper.rb
@@ -59,7 +59,7 @@
   end
 
   config.before(:each, idv_job: true) do
-    [Idv::ProfileJob, Idv::FinanceJob, Idv::PhoneJob].each do |job_class|
+    [Idv::ProfileJob, Idv::PhoneJob].each do |job_class|
       allow(job_class).to receive(:perform_later) do |*args|
         job_class.perform_now(*args)
       end
diff --git a/spec/routing/id_verification_routing_spec.rb b/spec/routing/id_verification_routing_spec.rb
index efe20713910..3d0bcccca74 100644
--- a/spec/routing/id_verification_routing_spec.rb
+++ b/spec/routing/id_verification_routing_spec.rb
@@ -8,8 +8,6 @@
     verify/cancel
     verify/confirmations
     verify/fail
-    verify/finance
-    verify/finance/other
     verify/phone
     verify/review
     verify/session
@@ -17,7 +15,6 @@
   ].freeze
 
   PUT_ROUTES = %w[
-    verify/finance
     verify/phone
     verify/review
     verify/session
diff --git a/spec/services/idv/financials_step_spec.rb b/spec/services/idv/financials_step_spec.rb
deleted file mode 100644
index 2fa3d7d6afe..00000000000
--- a/spec/services/idv/financials_step_spec.rb
+++ /dev/null
@@ -1,55 +0,0 @@
-require 'rails_helper'
-
-describe Idv::FinancialsStep do
-  let(:user) { build(:user) }
-  let(:idv_session) do
-    idvs = Idv::Session.new(user_session: {}, current_user: user, issuer: nil)
-    idvs
-  end
-  let(:idv_form_params) { idv_session.params }
-
-  def build_step(vendor_validator_result)
-    described_class.new(
-      idv_form_params: idv_form_params,
-      idv_session: idv_session,
-      vendor_validator_result: vendor_validator_result
-    )
-  end
-
-  describe '#submit' do
-    it 'returns FormResponse with success: true for mock-happy CCN' do
-      step = build_step(
-        Idv::VendorResult.new(
-          success: true,
-          errors: {}
-        )
-      )
-
-      result = step.submit
-      expect(result).to be_kind_of(FormResponse)
-      expect(result.success?).to eq(true)
-      expect(result.errors).to be_empty
-
-      expect(idv_session.financials_confirmation).to eq true
-      expect(idv_session.params).to eq idv_form_params
-    end
-
-    it 'returns FormResponse with success: false for mock-sad CCN' do
-      errors = { ccn: ['The ccn could not be verified.'] }
-
-      step = build_step(
-        Idv::VendorResult.new(
-          success: false,
-          errors: errors
-        )
-      )
-
-      result = step.submit
-      expect(result).to be_kind_of(FormResponse)
-      expect(result.success?).to eq(false)
-      expect(result.errors).to eq(errors)
-
-      expect(idv_session.financials_confirmation).to eq false
-    end
-  end
-end
diff --git a/spec/services/idv/submit_idv_job_spec.rb b/spec/services/idv/submit_idv_job_spec.rb
index 074ba41107f..f368f1256f4 100644
--- a/spec/services/idv/submit_idv_job_spec.rb
+++ b/spec/services/idv/submit_idv_job_spec.rb
@@ -49,30 +49,6 @@
     end
   end
 
-  describe '#submit_finance_job' do
-    let(:vendor_params) { { ccn: '88888888' } }
-
-    it 'generates a UUID and enqueues a Idv::FinanceJob and saves the UUID in the session' do
-      expect(Idv::FinanceJob).to receive(:perform_later).
-        with(
-          result_id: result_id,
-          vendor_params: vendor_params,
-          vendor_session_id: vendor_session_id,
-          applicant_json: applicant.to_json
-        )
-
-      expect(idv_session.async_result_id).to eq(nil)
-      expect(idv_session.async_result_started_at).to eq(nil)
-
-      expect(SecureRandom).to receive(:uuid).and_return(result_id).once
-
-      service.submit_finance_job
-
-      expect(idv_session.async_result_id).to eq(result_id)
-      expect(idv_session.async_result_started_at).to be_within(1).of(Time.zone.now.to_i)
-    end
-  end
-
   describe '#submit_phone_job' do
     let(:vendor_params) { '5555550000' }
 
diff --git a/spec/services/idv/upcase_vendor_env_vars_spec.rb b/spec/services/idv/upcase_vendor_env_vars_spec.rb
index 9b1b73f415f..f2a41e7415e 100644
--- a/spec/services/idv/upcase_vendor_env_vars_spec.rb
+++ b/spec/services/idv/upcase_vendor_env_vars_spec.rb
@@ -3,8 +3,7 @@
 describe Idv::UpcaseVendorEnvVars do
   describe '#call' do
     before do
-      allow(Figaro.env).to receive(:profile_proofing_vendor).and_return('equifax')
-      allow(Figaro.env).to receive(:finance_proofing_vendor).and_return('aamva')
+      allow(Figaro.env).to receive(:profile_proofing_vendor).and_return('aamva')
       allow(Figaro.env).to receive(:phone_proofing_vendor).and_return('equifax')
       stub_const 'ENV', ENV.to_h.merge(
         'equifax_thing' => 'some value',
diff --git a/spec/support/features/idv_helper.rb b/spec/support/features/idv_helper.rb
index 0f753b35238..fe0a18a6cbd 100644
--- a/spec/support/features/idv_helper.rb
+++ b/spec/support/features/idv_helper.rb
@@ -43,14 +43,6 @@ def fill_out_idv_previous_address_fail
     fill_in 'profile_prev_zipcode', with: '00000'
   end
 
-  def fill_out_financial_form_ok
-    fill_in :idv_finance_form_ccn, with: '12345678'
-  end
-
-  def fill_out_financial_form_fail
-    fill_in :idv_finance_form_ccn, with: '00000000'
-  end
-
   def fill_out_phone_form_ok(phone = '415-555-0199')
     fill_in :idv_phone_form_phone, with: phone
   end
@@ -112,8 +104,6 @@ def click_idv_cancel
   def complete_idv_profile_ok(user, password = user_password)
     fill_out_idv_form_ok
     click_idv_continue
-    fill_out_financial_form_ok
-    click_idv_continue
     click_idv_address_choose_phone
     fill_out_phone_form_ok(user.phone)
     click_idv_continue
diff --git a/spec/support/idv_examples/max_attempts.rb b/spec/support/idv_examples/max_attempts.rb
index 600c68ce506..a17c48ad567 100644
--- a/spec/support/idv_examples/max_attempts.rb
+++ b/spec/support/idv_examples/max_attempts.rb
@@ -53,28 +53,6 @@
     expect(current_path).to eq verify_session_result_path
   end
 
-  scenario 'finance shows failure flash message after max attempts', :email do
-    visit_idp_from_sp_with_loa3(sp)
-    register_user
-
-    click_idv_begin
-    fill_out_idv_form_ok
-    click_idv_continue
-
-    max_attempts_less_one.times do
-      fill_out_financial_form_fail
-      click_idv_continue
-
-      expect(current_path).to eq verify_finance_result_path
-    end
-
-    fill_out_financial_form_fail
-    click_idv_continue
-
-    expect(page).to have_css('.alert-error', text: t('idv.modal.financials.heading'))
-    expect(current_path).to eq verify_finance_result_path
-  end
-
   scenario 'phone shows failure flash after max attempts', :email do
     visit_idp_from_sp_with_loa3(sp)
     register_user
@@ -82,8 +60,6 @@
     click_idv_begin
     fill_out_idv_form_ok
     click_idv_continue
-    fill_out_financial_form_ok
-    click_idv_continue
     click_idv_address_choose_phone
 
     max_attempts_less_one.times do
diff --git a/spec/support/idv_examples/otp_delivery_method.rb b/spec/support/idv_examples/otp_delivery_method.rb
index 5a60f7dbc36..32fba1201fe 100644
--- a/spec/support/idv_examples/otp_delivery_method.rb
+++ b/spec/support/idv_examples/otp_delivery_method.rb
@@ -7,8 +7,6 @@
     click_idv_begin
     fill_out_idv_form_ok
     click_idv_continue
-    fill_out_financial_form_ok
-    click_idv_continue
     click_idv_address_choose_phone
     fill_out_phone_form_ok(phone)
     click_idv_continue
diff --git a/spec/support/idv_examples/usps_verification_selection.rb b/spec/support/idv_examples/usps_verification_selection.rb
index a8d0cd2047c..cc1cfe369b1 100644
--- a/spec/support/idv_examples/usps_verification_selection.rb
+++ b/spec/support/idv_examples/usps_verification_selection.rb
@@ -7,8 +7,6 @@
     click_idv_begin
     fill_out_idv_form_ok
     click_idv_continue
-    fill_out_financial_form_ok
-    click_idv_continue
 
     click_idv_address_choose_usps
     click_on t('idv.buttons.mail.send')
@@ -90,8 +88,6 @@ def complete_idv_profile_ok_with_usps
     click_idv_begin
     fill_out_idv_form_ok
     click_idv_continue
-    fill_out_financial_form_ok
-    click_idv_continue
     click_idv_address_choose_usps
     click_on t('idv.buttons.mail.send')
     fill_in :user_password, with: user_password
diff --git a/spec/views/verify/review/new.html.slim_spec.rb b/spec/views/verify/review/new.html.slim_spec.rb
index 3ffe21b10a1..56738407872 100644
--- a/spec/views/verify/review/new.html.slim_spec.rb
+++ b/spec/views/verify/review/new.html.slim_spec.rb
@@ -46,10 +46,5 @@
     it 'renders the correct header for the accordion' do
       expect(rendered).to have_content(t('idv.messages.review.intro'))
     end
-
-    it 'renders a link telling user why financial info is not visible' do
-      expect(rendered).
-        to have_link(t('idv.messages.review.financial_info'), href: MarketingSite.help_url)
-    end
   end
 end