add encumbrance BE

[isabeleliassen]

Notes

Questions

Assumptions

Estimate

Tasks

• TODO
• Automated tests
• API Docs
• Postman collection
• PR opened with labels / reviewers / assignee / linked-issue

Implementation Notes

[isabeleliassen]

confirmed in 4/1/26 call with Leslie, Jeannie, Roxana, and Frank: we will show both the type of action and the reason for the action. the type of action will most likely be limited to a few more severe options (license suspended, revoked, surrendered) but the final list will not be decided until after April. The reason for the action will be fraud, consumer harm, and other, as previously discussed. Sorry for the earlier confusion on this.