The request was aborted: Could not create SSL/TLS secure channel. HMDA software

Question

We are using some software made by the gub'ment for doing some kind of uploading of info. It is the one called HMDA Data Entry Software v. 2016 R.2

The person who has to upload got an error:

01/23/2020 09:06:04 Auto Update for Rate Spread Failed - The request was aborted: Could not create SSL/TLS secure channel.
01/23/2020 09:06:13 Unable to check for new version of software - The request was aborted: Could not create SSL/TLS secure channel.

I google Could not create SSL/TLS secure channel. and see there are a whole bunch of people getting this, but the tickets are for different software (like paypal, docusign, etc...), so I don't think I can just blindly use those solutions for my specific software.

It seems like I have to change a config file, but I do not know anything about windows. Our config file looks like the one posted at bottom.

I already changed

            <setting name="UpdateRateSpread" serializeAs="String">
                <value>False</value>
            </setting>

to False as per a recommendation in the readme, which said that you could do this to not make a request to their site to update something called a Rate Spread (which I am assuming requires SSL/TLS), but I feel like the Rate Spread probably should be up-to-date, so was wondering if anyone knew how I could change this config file to allow SSL/TLS instead of just circumventing it.

<?xml version="1.0"?>
<configuration>
    <configSections>
        <sectionGroup name="applicationSettings" type="System.Configuration.ApplicationSettingsGroup, System, Version=2.0.0.0, Culture=neutral, PublicKeyToken=xxxx">
            <section name="HMDA.My.MySettings" type="System.Configuration.ClientSettingsSection, System, Version=2.0.0.0, Culture=neutral, PublicKeyToken=xxxx" requirePermission="false"/>
        </sectionGroup>
        <sectionGroup name="userSettings" type="System.Configuration.UserSettingsGroup, System, Version=2.0.0.0, Culture=neutral, PublicKeyToken=xxxxx">
            <section name="HMDA.My.MySettings" type="System.Configuration.ClientSettingsSection, System, Version=2.0.0.0, Culture=neutral, PublicKeyToken=xxxxx" allowExeDefinition="MachineToLocalUser" requirePermission="false"/>
        </sectionGroup>
    </configSections>
    <system.diagnostics>
        <sources>
            <!-- This section defines the logging configuration for My.Application.Log -->
            <source name="DefaultSource" switchName="DefaultSwitch">
                <listeners>
                    <add name="FileLog"/>
                    <!-- Uncomment the below section to write to the Application Event Log -->
                    <!--<add name="EventLog"/>-->
                </listeners>
            </source>
        </sources>
        <switches>
            <add name="DefaultSwitch" value="Information"/>
        </switches>
        <sharedListeners>
            <add name="FileLog" type="Microsoft.VisualBasic.Logging.FileLogTraceListener, Microsoft.VisualBasic, Version=8.0.0.0, Culture=neutral, PublicKeyToken=xxxx, processorArchitecture=MSIL" initializeData="FileLogWriter"/>
            <!-- Uncomment the below section and replace APPLICATION_NAME with the name of your application to write to the Application Event Log -->
            <!--<add name="EventLog" type="System.Diagnostics.EventLogTraceListener" initializeData="APPLICATION_NAME"/> -->
        </sharedListeners>
    </system.diagnostics>
    <applicationSettings>
        <HMDA.My.MySettings>
            <setting name="HMDA_HmdaSubmitService_HCEdgeFileUpload" serializeAs="String">
                <value>https://www.ffiec.gov/hmda/desuploadws/hcedgefileupload.asmx</value>
            </setting>
            <setting name="AdjustableRatesUrl" serializeAs="String">
                <value>https://www.ffiec.gov/ratespread/YieldTableAdjustable.CSV</value>
            </setting>
            <setting name="FixedRatesUrl" serializeAs="String">
                <value>https://www.ffiec.gov/ratespread/YieldTableFixed.CSV</value>
            </setting>
        </HMDA.My.MySettings>
    </applicationSettings>
    <userSettings>
        <HMDA.My.MySettings>
            <setting name="UpdateRateSpread" serializeAs="String">
                <value>False</value>
            </setting>
            <setting name="VersionURL" serializeAs="String">
                <value>https://www.ffiec.gov/software/software/DES.txt</value>
            </setting>
        </HMDA.My.MySettings>
    </userSettings>
    <system.net>
      <defaultProxy useDefaultCredentials="true">
      </defaultProxy>
    </system.net>
<startup><supportedRuntime version="v4.0" sku=".NETFramework,Version=v4.5.1"/></startup></configuration>