CVE-2026-70845: Oracle Loans Authentication Bypass Vulnerability

CVE-2026-70845 Overview

CVE-2026-70845 is an access control vulnerability [CWE-284] in the Oracle Loans product of Oracle E-Business Suite. The flaw resides in the Internal Operations component and affects supported versions 12.2.3 through 12.2.15. A low-privileged attacker with network access over HTTP can exploit this vulnerability without user interaction. Successful exploitation allows unauthorized creation, deletion, or modification of critical Oracle Loans data. Attackers can also trigger a partial denial of service against Oracle Loans functionality.

Critical Impact
Authenticated attackers can modify or destroy financial loan data over the network and degrade Oracle Loans availability.

Affected Products

Oracle E-Business Suite — Oracle Loans 12.2.3
Oracle E-Business Suite — Oracle Loans 12.2.4 through 12.2.14
Oracle E-Business Suite — Oracle Loans 12.2.15

Discovery Timeline

2026-08-18 - CVE-2026-70845 published to the National Vulnerability Database
2026-08-20 - Last updated in NVD database
August 2026 - Addressed in the Oracle Security Alert August 2026

Technical Details for CVE-2026-70845

Vulnerability Analysis

The vulnerability is classified as Improper Access Control [CWE-284] in the Internal Operations component of Oracle Loans. Authenticated users with low privileges can invoke functionality that should require elevated authorization. The attacker interacts with Oracle Loans over HTTP without any user assistance and without triggering scope changes across products. The impact is scoped to integrity, with high integrity impact against Oracle Loans data, and a limited availability impact producing partial denial of service. Confidentiality is not affected because the flaw does not expose data to unauthorized readers.

Root Cause

The root cause is missing or insufficient authorization enforcement inside the Internal Operations component of Oracle Loans. Server-side logic accepts write and delete operations from callers that hold only a low-privileged session. Oracle has not published implementation-level details for the fix. Additional context is available in the Oracle Security Alert August 2026.

Attack Vector

An attacker authenticates to the Oracle E-Business Suite instance with any low-privileged account. The attacker then issues crafted HTTP requests to the Oracle Loans Internal Operations endpoints. The requests perform create, modify, or delete operations against Oracle Loans records that should be gated by higher privileges. Repeated abusive requests can also degrade the Oracle Loans service and cause partial unavailability. No verified proof-of-concept code is publicly available at the time of publication.

Detection Methods for CVE-2026-70845

Indicators of Compromise

Unexpected create, update, or delete activity in Oracle Loans tables performed by low-privileged application accounts.
HTTP requests to Oracle Loans Internal Operations URLs from users whose roles do not include loan administration.
Sudden spikes in Oracle Loans transaction errors or timeouts consistent with partial denial of service.
Audit records showing role-scope mismatches between the authenticated user and the executed function.

Detection Strategies

Enable Oracle E-Business Suite Sign-On Audit and Page Access Tracking for the Oracle Loans responsibility.
Correlate application-tier HTTP access logs with database audit trails on Oracle Loans schema objects.
Alert on function calls to Internal Operations by any account outside a defined allowlist of loan operators.
Baseline normal Oracle Loans transaction volume per user and flag deviations for review.

Monitoring Recommendations

Forward Oracle E-Business Suite application, web tier, and database audit logs to a centralized analytics platform.
Retain HTTP access logs for the Oracle Loans URI namespace for at least 90 days to support investigations.
Monitor Oracle Loans availability metrics and error rates to identify partial denial-of-service conditions early.

How to Mitigate CVE-2026-70845

Immediate Actions Required

Apply the Oracle Critical Patch Update referenced in the Oracle Security Alert August 2026 to all affected Oracle E-Business Suite instances.
Inventory Oracle Loans deployments running versions 12.2.3 through 12.2.15 and prioritize internet-facing systems.
Review Oracle Loans responsibilities and remove excessive access from low-privileged application accounts.
Rotate credentials for any Oracle E-Business Suite account showing anomalous Oracle Loans activity.

Patch Information

Oracle addressed CVE-2026-70845 in the August 2026 Critical Patch Update cycle. Administrators should download and apply the patches listed for Oracle Loans on versions 12.2.3 through 12.2.15 from My Oracle Support, following the guidance in the Oracle Security Alert August 2026. Test the patch in a non-production environment before applying to production Oracle E-Business Suite tiers.

Workarounds

Restrict network access to the Oracle E-Business Suite application tier using firewall or reverse-proxy allowlists until patching completes.
Remove the Oracle Loans responsibility from users who do not require it and review remaining assignments.
Enable enhanced auditing on Oracle Loans Internal Operations functions to shorten detection time for abuse.
Place the Oracle E-Business Suite web tier behind a web application firewall configured to block unauthorized Oracle Loans URIs.

bash

# Example: restrict access to Oracle Loans URIs at the web tier (Apache httpd)
<LocationMatch "^/OA_HTML/.*Loan.*">
    Require ip 10.0.0.0/8
    Require ip 192.168.0.0/16
</LocationMatch>