plaid 22.0.0 → 23.0.0

data/CHANGELOG.md

@@ -1,97 +1,270 @@
 See full changelog for the OpenAPI schema (OAS) [here](https://github.com/plaid/plaid-openapi/blob/master/CHANGELOG.md).
 
+# 23.0.0
+
+- Updating to OAS 2020-09-14_1.457.0
+
+## Breaking changes in this version
+
+- Remove `user_token` field from `asset_report/create` request.
+- Renamed `TransactionsEnrichGetRequest` and `TransactionsEnrichGetResponse` objects to `TransactionsEnrichRequest` and `TransactionsEnrichResponse`.
+
+## OpenAPI Schema Changes
+
+### 2020-09-14_1.457.0
+
+- Remove `account_ids` parameter from `/processor/transactions/recurring/get` request
+
+### 2020-09-14_1.456.0
+
+- Add `hosted_link.completion_redirect_uri` to `link/token/create` request
+
+### 2020-09-14_1.455.2
+
+- Deprecate max_single_transfer_amount and max_monthly_amount in /transfer/configuration/get response.
+- Deprecate monthly_transfer_volume in /transfer/metrics/get response.
+
+### 2020-09-14_1.455.1
+
+- Update documentation for `/credit/payroll_income/parsing_config/update`
+
+### 2020-09-14_1.455.0
+
+- Add new /sandbox/transfer/refund/simulate route to simulate refund events in sandbox.
+
+### 2020-09-14_1.454.0
+
+- Add `is_investments_fallback_item` field to `/investments/holdings/get` and `/investments/transactions/get` responses
+
+### 2020-09-14_1.453.0
+
+- Add `/credit/payroll_income/parsing_config/update` for updating the parsing configuration for document income verficiations
+
+### 2020-09-14_1.452.0
+
+- Add `warnings` field to `/cra/base_report/get` response
+
+### 2020-09-14_1.451.0
+
+- Add `/beacon/report_syndication/list` for listing `BeaconReportSyndication` objects linked to a specific `BeaconUser`
+
+### 2020-09-14_1.450.0
+
+- [Breaking] Remove `user_token` field from `asset_report/create` request.
+
+### 2020-09-14_1.449.2
+
+- Updates `isin` and `cusip` field descriptions for new call to action.
+
+### 2020-09-14_1.449.1
+
+- Add new refund event types.
+
+### 2020-09-14_1.449.0
+
+- Add `/beacon/report/list` for listing `BeaconReport` objects created for a specific `BeaconUser`
+
+### 2020-09-14_1.448.0
+
+- Make `publisher` field from `FDXNotifications` as optional
+
+### 2020-09-14_1.447.0
+
+- Mark `fraud_amount` as nullable for `BeaconReport` objects in `/beacon/report/create`
+
+### 2020-09-14_1.446.0
+
+- Add `allow_manual_entry` field to `investments` object in `link/token/create`
+- Update `/credit/freddie_mac/reports/get` return type data shape to contain one object with both VOA and VOE assets combined
+
+### 2020-09-14_1.445.0
+
+- Add new insights and counterparty fields for Transactions endpoints
+- Deprecate legacy category fields for Transactions endpoints
+
+### 2020-09-14_1.444.0
+
+- Add new webhook type `AUTHORIZATION_GRANTED` to `sandbox/item/fire_webhook`
+
+### 2020-09-14_1.443.0
+
+- Add `RETURN` as possible Virtual Account wallet transaction type
+
+### 2020-09-14_1.442.0
+
+- Add `facilitator_fee` field for the Transfers endpoints
+
+### 2020-09-14_1.441
+
+- [Breaking change for Go client library] Update `/transfer/capabilities/get` to no longer accept payment profile token and require an `account_id` and `access_token`
+- Update examples for ledger endpoints to be more realistic
+
+### 2020-09-14_1.440.0
+
+- Add `optional_products` parameter to `/link/token/create` request.
+
+### 2020-09-14_1.439.0
+
+- [Breaking] Renamed `TransactionsEnrichGetRequest` and `TransactionsEnrichGetResponse` objects to
+  `TransactionsEnrichRequest` and `TransactionsEnrichResponse`.
+
+### 2020-09-14_1.438.1
+
+- [Breaking change for Go client library] remove `device`, `user_present` from required request param list of `/transfer/recurring/create`
+
+### 2020-09-14_1.438.0
+
+- Add new `/beta/transactions/user_insights/v1/get` endpoint
+
+### 2020-09-14_1.437.0
+
+- Remove min/max restriction of `days_requested` in OpenAPI.
+
+### 2020-09-14_1.436.0
+
+- Update `days_requested` to be a required field in base reports in `link/token/create`
+
+### 2020-09-14_1.435.0
+
+- Update `/sandbox/transfer/sweep/simulate` to mark `swept` transfers as `swept_settled`.
+
+### 2020-09-14_1.434.0
+
+- Added a new type of webhook for dashboard alerts, `InstitutionStatusAlertWebhook`.
+
+### 2020-09-14_1.433.0
+
+- Update response of `/transfer/authorizarion/create`
+
+### 2020-09-14_1.432.0
+
+- Update `days_requested` in `base_report` in `link/token/create` to enforce a min/max of 1/731 days
+
 # 22.0.0
+
 - Updating to OAS 2020-09-14_1.431.7
 
+## Breaking changes in this version
+
+This version does not contain breaking changes.
+
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.431.7
+
 - Add processor Zero Hash
 
 ### 2020-09-14_1.431.6
+
 - Update response example of `sandbox/transfer/ledger/deposit/simulate` and `sandbox/transfer/ledger/withdraw/simulate`
 
 ### 2020-09-14_1.431.5
+
 - Update the description of `sweep.settled` event
 
 ### 2020-09-14_1.431.4
+
 - Update description of endpoint `/sandbox/transfer/ledger/simulate_available`
 
 ### 2020-09-14_1.431.3
+
 - Deprecate `originator_client_id` in `/transfer/get`, `/transfer/cancel`, and `/transfer/balance/get`
 
 ### 2020-09-14_1.431.2
+
 - Docs updates for Statements endpoints
 
 ### 2020-09-14_1.431.1
+
 - Remove `balance` field from response of `/sandbox/transfer/ledger/simulate_available`
 
 ### 2020-09-14_1.431.0
+
 - Add `/user/update` and update the description for consumer report user identity
 
 ### 2020-09-14_1.430.3
+
 - Add `sandbox/transfer/ledger/deposit/simulate` and `sandbox/transfer/ledger/withdraw/simulate`
 
 ### 2020-09-14_1.430.2
+
 - Update `transfer/sweep/list` to support filter by `trigger`
 
 ### 2020-09-14_1.430.1
+
 - Add `transfer/ledger/withdraw` route
 
 ### 2020-09-14_1.430.0
+
 - Add `transfer/originator/funding_account/update` route
 
 ### 2020-09-14_1.429.3
+
 - add ledger sweep event types to `TransferEventType`
 
 ### 2020-09-14_1.429.2
+
 - Documentation updates for `LOGIN_REPAIRED` webhook and transfer.
 - Add `transfer/ledger/deposit` route
 
 ### 2020-09-14_1.429.1
+
 - Updated /identity/match's address score threshold recommendation from 80 or above to 70 or above
 
 ### 2020-09-14_1.429.0
-- [Breaking change for Go client library] For Transfer endpoints that take payment profiles as input, remove `payment_profile` field and make 
-`account_id` and `access_token` mandatory. The removed field is not in use.
+
+- [Breaking change for Go client library] For Transfer endpoints that take payment profiles as input, remove `payment_profile` field and make
+  `account_id` and `access_token` mandatory. The removed field is not in use.
 - Mark all payment profile-specific endpoints as `deprecated`.
 - Docs updates for Transfer, including clarifying that certain request fields for `/transfer/authorization/create`
-are not currently used.
+  are not currently used.
 - Propagate Signal docs update from 2020-09-14_1.419.0 to all relevant endpoints.
 - Add `institution_not_supported` as a property to `LinkSessionExitMetadata.Status`
 
 ### 2020-09-14_1.428.1
+
 - Change `/credit/reports/freddie_mac/get` schema to contain new `ReportingInformationParentIdentifier` field
 
 ### 2020-09-14_1.428.0
+
 - Add `verification_report_type` to `asset_report/create` request
 
 ### 2020-09-14_1.427.1
+
 - Remove references to the verification `report_type` field in `asset_report/get` and `asset_report/pdf/get`
 
 ### 2020-09-14_1.427.0
+
 - Add `/processor/account/get` route
 
 ### 2020-09-14_1.426.0
+
 - Add `instant_microdeposits_enabled` field to `auth` object in `link/token/create`
 
 ### 2020-09-14_1.425.0
+
 - Add `investments` field to `asset_report/get` response as part of the `items.accounts` object
 
 ### 2020-09-14_1.424.2
+
 - Update descriptions of some Transactions endpoint fields
 
 ### 2020-09-14_1.424.1
+
 - Add clarification to processor webhook doc that the processor can call it
 - Fix `sandbox/transfer/ledger/simulate_available` doc url
 
 ### 2020-09-14_1.424.0
+
 - Add `/sandbox/transfer/ledger/simulate_available` route
 
 ### 2020-09-14_1.423.0
+
 - Update code of `BaseReportsErrorWebhook` to `ERROR`
 - Add new enum to StudentRepaymentPlan and add to description of repayment_plan_type
 
 ### 2020-09-14_1.422.0
+
 - Move `BaseReportsProductReadyWebhook` and `BaseReportsErrorWebhook`
 - Remove `asset_report_id` and add `user_id` to `BaseReportsErrorWebhook`
 
@@ -116,14 +289,16 @@ are not currently used.
 - Add `submitted` and `not_submitted` to transferDiligenceStatus
 
 # 21.3.0
+
 - Updating to OAS 2020-09-14_1.419.0
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.419.0
 
 - Update `/signal/decision/report` description
   - Overwriting `initiated` field is now supported and no longer returns an `INVALID_FIELD` error
-  
+
 ### 2020-09-14_1.418.0
 
 - Add `frequency` to `/transactions/enrich`
@@ -145,99 +320,130 @@ are not currently used.
 - Update `currency` on `payment/reverse` and `amount_refunded` on `payment/get`
 
 # 21.2.0
+
 - Updating to OAS 2020-09-14_1.413.0
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.413.0
+
 - Add `statements` to `/link/token/create` request
 
 ### 2020-09-14_1.412.0
+
 - Add `hosted_link_url` to `/link/token/create` response
 - Add `hosted_link.delivery_method` to `/link/token/create`
 
 ### 2020-09-14_1.411.0
+
 - Add `link_sessions` to `/link/token/get`
 - Add `LINK:SESSION_FINISHED` webhook
 
 # 21.1.0
+
 - Updating to OAS 2020-09-14_1.410.1
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.410.1
+
 - Add `statements` to the list of supported Plaid products in the `/link/token/create` endpoint
 
 ### 2020-09-14_1.410.0
+
 - add `/credit/relay/pdf/get` endpoint
 
 ### 2020-09-14_1.409.0
+
 - Add `original_client_id` to `/transfer/balance/get`
 - Mark `type` optional in `/transfer/balance/get` request
 
 ### 2020-09-14_1.408.0
+
 - Add `status` to `document_reference` in `/credit/payroll_income/risk_signals/get`
 
 ### 2020-09-14_1.407.0
+
 - Add `consumer_report_user_identity` to `/user/create`
 
 ### 2020-09-14_1.406.1
+
 - Add comment explaining availability of `confidence_level` field for `/transactions/*` endpoints
 
 ### 2020-09-14_1.406.0
+
 - Added insights fields to `/cra/base_report/get`
 
 ### 2020-09-14_1.405.0
+
 - Update identity/match user.address such that none of the fields are required
 - Add `AddressDataNullableNoRequiredFields`
 
 ### 2020-09-14_1.404.1
+
 - Allowing null failure_reason for refunds to be displayed
-- 
+-
+
 ### 2020-09-14_1.404.0
+
 - Add `failure_reason` to `/wallet/transaction/get` and `/wallet/transaction/list` endpoint in virtual accounts.
 
 ### 2020-09-14_1.403.1
+
 - Add `parsing_config` to `/link/token/create`
 
 ### 2020-09-14_1.403.0
+
 - Add `failure_reason` field to refunds for failed and returned refunds
 
 ### 2020-09-14_1.402.0
-- Add `area_code` match status to the response of the `identity_verification/get` and `identity_verification/list` endpoint
 
+- Add `area_code` match status to the response of the `identity_verification/get` and `identity_verification/list` endpoint
 
 ### 2020-09-14_1.401.0
+
 - Add `POST /cra/bank_income/get`
 
 ### 2020-09-14_1.400.0
+
 - Add `cra/base_report/get` endpoint
 
 ### 2020-09-14_1.399.0
+
 - Add `base_report` field to `/link/token/create` and corresponding Base Report webhooks
 
 ### 2020-09-14_1.398.0
+
 - Make CreditBankIncomeWebhookUpdateResponse visible
 
 ### 2020-09-14_1.397.0
+
 - Remove extraneous `Item` field from `/processor/transactions/get` response
 - Reference new `/processor/token/webhook/update` endpoint in processor Transactions routes.
 
 ### 2020-09-14_1.396.2
+
 - Document cash management account support
 
 ### 2020-09-14_1.396.1
+
 - Fix document capitalization of `confidence_level` field in `/transactions/enrich`
 
 ### 2020-09-14_1.396.0
+
 - Add `/beacon/report/create`
 
 ### 2020-09-14_1.395.0
+
 - Add `POST /beacon/user/create`
 - Add `POST /beacon/user/get`
 
 ### 2020-09-14_1.394.0
+
 - Made `/statements/list` and `/statements/download` APIs for Plaid's Statements PDF beta product available in client SDKs
 
 ### 2020-09-14_1.393.0
+
 - Add `date_of_birth` and `address` fields to `documentary_verification.documents[].extracted_data` in the response of all of the identity verification endpoints:
   - `identity_verification/create`
   - `identity_verification/get`
@@ -245,11 +451,13 @@ are not currently used.
   - `identity_verification/retry`
 
 ### 2020-09-14_1.392.4
+
 - Update the following about identity/match name, phone number, email, and address score descriptions:
   - Ensure consistent language across all fields
   - Include score recommended "match" threshold for all fields.
 
 ### 2020-09-14_1.392.3
+
 - Update the `async_update` field description.
 
 ### 2020-09-14_1.392.2
@@ -262,245 +470,336 @@ are not currently used.
   - `risk_check.identity_abuse_signals.stolen_identity.score`
 
 ### 2020-09-14_1.392.1
+
 - Documentation updates for the `/link/token/create` endpoint
 
 ### 2020-09-14_1.392.0
+
 - Add `confidence_level` field to Counterparty and PersonalFinanceCategory for `/transactions/enrich`
 
 ### 2020-09-14_1.391.3
+
 - Remove the `core_attributes` field in `signal_insights` of /transfer/authorization/create
 
 ### 2020-09-14_1.391.2
+
 - Update the `pending_manual_verification` field's description in `/auth/get` response
 
+# 21.0.0
+
 - Updating to openapi-generator v6.1 to enable autoload support
 - Updating to OAS 2020-09-14_1.391.1
 
+## Breaking changes in this version
+
+This version does not contain breaking changes.
+
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.391.1
+
 - Update the description of `/investments/transactions/get`
 
 ### 2020-09-14_1.391.0
+
 - Update the `async_update` option to be visible in `/investments/transactions/get`
 
 ### 2020-09-14_1.390.1
+
 - Update the `signal_insights` field's description in `/transfers/authorization/create` request
 
-###  2020-09-14_1.390.0
+### 2020-09-14_1.390.0
+
 - Add `transfer_id` field to `/transfers/sweep/list` request
 
 ### 2020-09-14_1.389.0
+
 - Add `InvestmentsHistoricalUpdateWebhook`, a `HISTORICAL_UPDATE` webhook of type `INVESTMENTS_TRANSACTIONS`.
 
 ### 2020-09-14_1.388.1
+
 - Add `status` field to a sweep object. Add `status` field to `/transfers/sweep/list` request
 
 ### 2020-09-14_1.388.0
+
 - [Breaking] Remove `asset_report_token` as required field in `/asset_report/get` and mark as nullable
 
 ### 2020-09-14_1.387.1
+
 - Allow empty `mask` on the `meta` field of overridden accounts in the sandbox custom user configuration object schema.
 
 ### 2020-09-14_1.387.0
+
 - Mark `region` and `postal_code` fields as nullable in `/identity_verification/create`, `/identity_verification/retry`, and `/link/token/create`
 
 ### 2020-09-14_1.386.0
+
 - Add payloads for processor Transactions webhooks.
 
 ### 2020-09-14_1.385.2
+
 - Mark `next_origination_date` nullable
 
 # 20.0.0
+
 - Updating to OAS 2020-09-14_1.385.1
 
+## Breaking changes in this version
+
+- (Identity Verification) Renamed `IdentityVerificationRequestUser` object to `IdentityVerificationCreateRequestUser`
+
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.385.1
+
 - Add expiration time description to `transfer/authorization/create` `idempotency_key` parameter
 
 ### 2020-09-14_1.385.0
+
 - Add `user` field to `/identity_verification/retry`
 - Add `client_user_id` field to `/identity_verification/create`
 - Deprecate `user.client_user_id` field in `/identity_verification/create`
 - [Breaking] Renamed `IdentityVerificationRequestUser` object to `IdentityVerificationCreateRequestUser`
 
 ### 2020-09-14_1.384.0
+
 - Remove `maxLength` constraint from `client_user_id` field for `/processor/signal/evaluate` and `/signal/evaluate` requests
 
 ### 2020-09-14_1.383.3
+
 - Add `test_clock_id` to `transfer/authorization/create` request
 
 ### 2020-09-14_1.383.2
+
 - Update `InvestmentsAuthOwner` title
 
 ### 2020-09-14_1.383.1
+
 - Add `account_id` to `bank_accounts` and `transactions` in `/credit/bank_statements/uploads/get` response
 
 ### 2020-09-14_1.383.0
+
 - Add `transfer/diligence/document/upload` endpoint
 
 ### 2020-09-14_1.382.1
+
 - Add `amount` to `/transfer/sweep/list` request
+
 ### 2020-09-14_1.382.0
+
 - Add `signal_insights` to `/transfer/authorization/create` request
 
 ### 2020-09-14_1.381.0
+
 - Add definitions for `/sandbox/bank_income/fire_webhook`
 
 ### 2020-09-14_1.380.0
+
 - Update validation `sweep_id` for `/transfers/sweep/get` to allow UUID or 8 character hexadecimal string
 
 # 19.1.0
+
 - Updating to OAS 2020-09-14_1.379.0
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.379.0
+
 - Add `scheme` to `/wallet/transaction/get` and `/wallet/transaction/list`
 
 ### 2020-09-14_1.378.1
-- Fix issue in which `request_id` was erroneously not listed as required in `ItemActivityListResponse` 
+
+- Fix issue in which `request_id` was erroneously not listed as required in `ItemActivityListResponse`
 
 ### 2020-09-14_1.378.0
+
 - Add `reroute_to_credentials` to `/link/token/create` auth request
 
 ### 2020-09-14_1.377.0
+
 - Add definitions for `/investments/auth/get`
 
 ### 2020-09-14_1.376.0
+
 - Add `required_if_supported_products` to `/link/token/create` request
 
 ### 2020-09-14_1.375.0
+
 - Add hidden `account_type` to `/transactions/enrich` request and response
 - Add hidden `account_subtype` to `/transactions/enrich` request and response
 
 ### 2020-09-14_1.374.3
+
 - Add `num_bank_statements_uploaded` to `document_income_results` object in `/credit/sessions/get` response
 
 ### 2020-09-14_1.374.2
+
 - Add `income_source` enum to `/transactions/enrich` `counterparty_type` field
 
 ### 2020-09-14_1.374.1
+
 - Update `oauth` descriptions for `/institutions/get` and `/institutions/search`
 
 ### 2020-09-14_1.374.0
+
 - Add `/credit/bank_statements/uploads/get` endpoint
 
 ### 2020-09-14_1.373.0
+
 - Add support for address and date of birth in `virtual-accounts/#wallettransactionexecute` endpoint
 
 ### 2020-09-14_1.372.3
+
 - Modify `/transactions/enrich` field `user_id` to `client_user_id`
 - Modify `/transactions/enrich` field `account_id` to `client_account_id`
 
 ### 2020-09-14_1.372.2
+
 - Update docs for `/transactions/enrich` response to include non-null example values for `lat` and `lon` fields
 
 ### 2020-09-14_1.372.1
+
 - Update descriptions for `PAYMENT_STATUS_EXECUTED` and `PAYMENT_STATUS_INITIATED`
 - Update description for `PaymentAmountCurrency`
 
 ### 2020-09-14_1.372.0
+
 - Add `user_id` and `account_id` fields to `/transactions/enrich` request and resposne
 
 ### 2020-09-14_1.371.4
+
 - Update descriptions for `/credit/payroll_income/risk_signals/get` and `INCOME_VERIFICATION_RISK_SIGNALS` webhook
 
 ### 2020-09-14_1.371.3
+
 - Add test_clock_id to `/transfer/simulate`
 - [Breaking change for Go] Make `virtual_time` optional in `/sandbox/transfer/test_clock/create`
 
 ### 2020-09-14_1.371.2
+
 - Add test_clock_id to `/sandbox/transfer/simulate` and `/sandbox/transfer/sweep/simulate` endpoints
 
 ### 2020-09-14_1.371.1
+
 - Update `transfer/diligence/submit` copy
 
 # 19.0.0
+
 - Updating to OAS 2020-09-14_1.370.0
 
+## Breaking changes in this version
+
+- Converts some integers that were incorrectly typed as `Float` to `Integer`. For more details, see the changelog notes for 2020-09-14_1.349.0.
+
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.370.0
+
 - Add `investments/refresh` endpoint
 
 ### 2020-09-14_1.369.3
+
 - Update `description` field in `/transfer/create` to have max length of 15
 
 ### 2020-09-14_1.369.2
+
 - Add new `CreditBankIncomeCategory` value
 
 ### 2020-09-14_1.369.1
+
 - Fix `/processor/transactions` routes doc links
 
 ### 2020-09-14_1.369.0
+
 - Add `/processor/token/permissions/get` endpoint
 - Add `/processor/token/permissions/set` endpoint
 
 ### 2020-09-14_1.368.2
+
 - Add `transfer/diligence/submit` endpoint
 
 ### 2020-09-14_1.368.1
+
 - Update `client_user_id` description for Identity Verification endpoints
 - Update `user` description for Identity Match via Identity Verification Data use case
 
 ### 2020-09-14_1.368.0
+
 - Add `/transfer/balance/get` endpoint
 
 ### 2020-09-14_1.367.0
+
 - Added `LinkEventsWebhook` schema
 
 ### 2020-09-14_1.366.0
+
 - Add `credit_funds_source` field for authorizations and transfers
 - Make `funding_account_id` nullable in various /transfer API responses
 
 ### 2020-09-14_1.356.0
+
 - Update `notificationsPayload.customFields` datatype from an object to an array of objects
 
 ### 2020-09-14_1.355.1
+
 - Added `warnings` to `/processor/signal/evaluate` response.
 
 ### 2020-09-14_1.355.0
+
 - Added `/processor/identity/match` endpoint.
 
 ### 2020-09-14_1.354.0
+
 - Adds a `selfie_check` object to the response schema of all the identity verification endpoints:
   - `identity_verification/create`
   - `identity_verification/get`
   - `identity_verification/list`
   - `identity_verification/retry`
-  
+
 ### 2020-09-14_1.353.1
+
 - Update `INCOME_VERIFICATION_RISK_SIGNALS` with webhook tag
 
 ### 2020-09-14_1.353.0
+
 - Add `ASSETS: PRODUCT_READY` and `ASSETS: ERROR` webhooks to `/sandbox/item/fire_webhook` endpoint
 
 ### 2020-09-14_1.352.0
+
 - Removed explicit `additionalProperties: true` marker for request objects and objects used only within request objects, primarily impacting the Payment Initiation API. This will result in more strict type checking for those objects, but should not be a breaking change.
 
 ### 2020-09-14_1.351.1
+
 - Update `transfer/authorization/create` copy
 
 ### 2020-09-14_1.351.0
+
 - Add new `INCOME_VERIFICATION_RISK_SIGNALS` webhook
 
 ### 2020-09-14_1.350.0
+
 - Remove `settled_amount`
 - Rename `expected_settlement_schedule` as `expected_sweep_settlement_schedule`
 
 ### 2020-09-14_1.349.0
+
 - [Breaking] Converts several types that were incorrectly typed as `number` to `integer`. In some languages, this will change the type used for this field, which may be a breaking change for some Plaid integrations. The following fields are impacted:
 
 For all products:
-  - `PlaidError.status`
+
+- `PlaidError.status`
 
 For Liabilities:
-  - `PSLFStatus.payments_made`
-  - `PSLFStatus.payments_remaining`
+
+- `PSLFStatus.payments_made`
+- `PSLFStatus.payments_remaining`
 
 For Identity Verification and Monitor:
-  - `DocumentaryVerificationDocument.DocumentAnalysis.attempt`
-  - `EntityScreeningHitAnalysis.search_terms_version`
-  - `EntityWatchlistScreeningSearchTerms.search_terms_version`
-  - `IdentityVerificationTemplateReference.version`
+
+- `DocumentaryVerificationDocument.DocumentAnalysis.attempt`
+- `EntityScreeningHitAnalysis.search_terms_version`
+- `EntityWatchlistScreeningSearchTerms.search_terms_version`
+- `IdentityVerificationTemplateReference.version`
 
 The following client library languages are impacted:
 
@@ -510,13 +809,16 @@ The following client library languages are impacted:
 - Ruby: Type changes from Float to Integer
 
 ### 2020-09-14_1.348.2
+
 - Update `/identity/match`'s score description to explicitly mention that null values are returned if input is missing from either the financial institution or the API
 - Update `/identity/match` sample response to include `is_business_name_detected`
 
 ### 2020-09-14_1.348.1
+
 - Make the `warnings` field in `SignalEvaluateResponse` non-nullable
 
 ### 2020-09-14_1.348.0
+
 - Add `STARTED` and `INTERNAL_ERROR` to bank income and employment `/credit/sessions/get` status
 
 ### 2020-09-14_1.347.1
@@ -525,31 +827,41 @@ The following client library languages are impacted:
 - Update `SignalWarning` descriptions
 
 ### 2020-09-14_1.347.0
+
 Fix npm publish
 
 ### 2020-09-14_1.346.0
+
 - Releasing new `/credit/payroll_income/risk_signals/get` endpoint
 
 ### 2020-09-14_1.345.4
+
 - Revert `sweep_amount` description
 
 ### 2020-09-14_1.345.3
+
 - Update `sweep_amount` description
 
 ### 2020-09-14_1.345.2
+
 - Internal changes
 
 # 18.1.0
+
 - Updating to OAS 2020-09-14_1.345.1
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.345.1
+
 - Update `/transactions/enrich` field `is_recurring` field to be optional.bool
 
 ### 2020-09-14_1.345.0
+
 - Fix bug in which `environment` field was incorrectly missing from Assets webhooks.
 
 ### 2020-09-14_1.344.0
+
 - Add recurrence and is_recurring fields to `/transactions/enrich`
 
 ### 2020-09-14_1.343.6
@@ -557,195 +869,260 @@ Fix npm publish
 - Update incorrect required fields for `/watchlist_screening/entity/update`
 
 ### 2020-09-14_1.343.5
+
 - Update `owners` description for `/credit/bank_income/get` and `/beta/credit/v1/bank_employment/get`
 
 ### 2020-09-14_1.343.4
+
 - Make comment about `webhook` field in `/link/token/create` request more explicit
 
 ### 2020-09-14_1.343.3
+
 - Make VOA in /credit/freddie_mac/reports/get optional
 
 ### 2020-09-14_1.343.2
+
 - Update `warnings` description for `/credit/bank_income/get` and `/beta/credit/v1/bank_employment/get`
 
 ### 2020-09-14_1.343.1
+
 - Updated Asset endpoint descriptions related to Verification of Employment
 
 # 18.0.0
+
 - Updating to OAS 2020-09-14_1.343.0
 
+## Breaking changes in this version
+
+- (Identity Verification) Renamed Identity Verification UserName objects to IdentityVerificationRequestUserName and IdentityVerificationResponseUserName
+
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.343.0
+
 - Add new `warnings` field to the response of `/signal/evaluate`
 
 ### 2020-09-14_1.342.0
+
 - Add `report_type` to assets webhook docs
 - Make `add_ons` public in assets docs for /asset_report/create
 - Make `fast_report` public in assets docs for /asset_report/get
 
 ### 2020-09-14_1.341.0
+
 - Add `risk_check` attribute to all Identity Verification responses
 
 ### 2020-09-14_1.340.1
+
 - Update examples for `entity_id` in `/transactions/enrich`
 
 ### 2020-09-14_1.340.0
+
 - Create `options` in `/link_delivery/create`
 - Create `recipient` within `options` field
 - Move `communication_methods` from top level to `recipient`
 - Add `first_name` in `recipient`
 
 ### 2020-09-14_1.339.0
+
 - Add `callback_type` to link delivery webhooks
 
 ### 2020-09-14_1.338.2
+
 - Make `communication_methods` optional in `/link_delivery/create`
 
 ### 2020-09-14_1.338.1
+
 - Remove beta description from `/transactions/enrich` endpoint docs
 
 ### 2020-09-14_1.338.0
+
 - Add `transaction_id` to `/payment-initiation/#payment_status_update`
 - Add `payment_id` and `wallet_id` to `/virtual-accounts/#wallet_transaction_status_update`
 
 ### 2020-09-14_1.337.4
+
 - Modify documentation for credit categories in the `/asset_report/get` based on GTM feedback
 
 ### 2020-09-14_1.337.3
+
 - Update description for the `address` field in `/payment_initiation/recipient/create`.
 
 ### 2020-09-14_1.337.2
+
 - Add annually recurring frequency to `/transactions/recurring/get`
 
 ### 2020-09-14_1.337.1
+
 - Make documentation for credit categories in the `/asset_report/get` endpoint public
 
 ### 2020-09-14_1.337.0
+
 - Add bank employment results to `/credit/sessions/get`
 
 ### 2020-09-14_1.336.1
+
 - Add `signal` to Products array.
 
 ### 2020-09-14_1.336.0
+
 - Add options to `/credit/payroll_income/refresh` to allow item-level refresh
 
 ### 2020-09-14_1.335.2
+
 - Updated `amount.value` description field with new minimum requirement for `/payment_initiation/payment/reverse` and `/wallet/transaction/execute`
 
 ### 2020-09-14_1.335.1
+
 - Add 'employment' as an available product in the request to `/partner/customer/create`
 
 ### 2020-09-14_1.335.0
+
 - [Breaking] Renamed Identity Verification UserName objects to IdentityVerificationRequestUserName and IdentityVerificationResponseUserName
 
 # 17.4.0
+
 - Updating to OAS 2020-09-14_1.334.0
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.334.0
+
 - Add "entity_id" field to /transactions/enrich
 
 ### 2020-09-14_1.333.0
+
 - Add "add_ons" field to asset_report/create
 
 ### 2020-09-14_1.332.0
+
 - [Breaking] Remove `/wallet/transaction/list` endpoint
   - [Note] Determined that `/wallet/transaction/list` is unused
 
 ### 2020-09-14_1.331.0
+
 Add `LinkDeliveryCallbackWebhook`, `LinkUserDeliveryStatusWebhook` for Link Delivery.
 
 ### 2020-09-14_1.330.0
+
 - [Breaking] Remove `options.wallet_id` field in `/payment_initiation/payment/create` and `/payment_initiation/consent/create` request.
   - [Note] Determined that this field is unused.
 
 ### 2020-09-14_1.229.2
+
 - Undeprecated the `legal_name` field in the `/link/token/create` request.
 
 ### 2020-09-14_1.229.1
+
 - Add `income_verification` as a supported product in the request for `/partner/customer/create`.
 
 ### 2020-09-14_1.229.0
+
 - Add `network` field to `/transfer/intent/create` request.
 - Updated `reference` minLength for `/wallet/transaction/execute` request and `/payment_initiation/payment/reverse` request.
 
 ### 2020-09-14_1.228.0
+
 - Add `access_tokens` and `item_ids` to `/link_delivery/get` response
 
 ### 2020-09-14_1.227.0
+
 - Add optional `persistent_account_id` field to account responses
 
 ### 2020-09-14_1.226.0
+
 - Add `employment` fields to `/link/token/create`
 
 ### 2020-09-14_1.225.0
+
 - Add `redacted_at` field in Identity Verification response and Documentary Verification Document component
 - Update `original_front` field in Identity Verification Document Images to be nullable in redacted Identity Verification sessions
 
 ### 2020-09-14_1.224.0
+
 - Add `earliest_deposit_date` and change `last_deposit_date` to `latest_deposit_date` for `/beta/credit/v1/bank_employment/get`
 
 ### 2020-09-14_1.223.0
+
 - Add `redirect_uris` to `/partner/customer/create` request.
 
 ### 2020-09-14_1.222.0
+
 - Add `wallet_id` field to `/wallet/transaction/get` and `/wallet/transaction/list` responses
 
 ### 2020-09-14_1.221.0
+
 - Update `link_delivery/get` to remove `public_tokens` from the response
 
 ### 2020-09-14_1.220.0
+
 - Update `link_delivery/create` to accept `communication_methods` and deprecate `delivery_method` and `delivery_destination`
 
 ### 2020-09-14_1.219.1
+
 - Fix the `refund_id` example.
 - Update address objects to reflect that in rare instances, `city` may be `null`.
 
 ### 2020-09-14_1.219.0
+
 - Add partner webhook event type
 
 ### 2020-09-14_1.218.1
+
 - Mark `phone_number_verified_time` and `email_address_verified_time` as deprecated, since it is no longer required to provide these fields to enable to enable the Returning User Experience.
 
 ### 2020-09-14_1.218.1
+
 - Introduce `expected_settlement_date` field in the Transfer object
 
 ### 2020-09-14_1.218.0
+
 - Add `/beta/credit/v1/bank_employment/get` endpoint
 
 ### 2020-09-14_1.217.0
+
 - Add `updated` field to `/credit/audit_copy_token/update` response
 - Add `SchemaVersion` to VOE and VOA schemas for `/credit/freddie_mac/reports/get`
 
 ### 2020-09-14_1.216.0
+
 - Introduce `funding_account_id` field in the Transfer API
 - Remove deprecated `origination_account_id` field from the Transfer documentation
 
 ### 2020-09-14_1.215.2
+
 - Use more strict validation for `payment_id` and `recipient_id` fields in API
 
 ### 2020-09-14_1.215.1
+
 - Use more strict validation for payment `consent_id` field in API
 
 ### 2020-09-14_1.215.0
+
 - Add `status` to Wallet schema
 
 # 17.3.0
+
 - Updating to OAS 2020-09-14_1.214.0
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.214.0
+
 - Add `/credit/freddie_mac/reports/get` endpoint
 
 ### 2020-09-14_1.213.1
+
 - Reflect that `days_requested` field in Bank Income Verification object in `/link/token/create` request is required when using Bank Income.
 - Reflect that `is_update_mode` field in Bank Income Verification object in `/link/token/create` request defaults to `false`.
-- Update description to reflect that Document Income object in `/link/token/create` request is not required, even when using Document Income. 
+- Update description to reflect that Document Income object in `/link/token/create` request is not required, even when using Document Income.
 
 ### 2020-09-14_1.213.0
+
 - Update `PartnerEndCustomerStatus` enum values.
 
 ### 2020-09-14_1.212.0
+
 - Add `/credit/audit_copy_token/update` endpoint
 - Add `report_type` to AssetReportCreateRequest
 
@@ -756,100 +1133,129 @@ Add `LinkDeliveryCallbackWebhook`, `LinkUserDeliveryStatusWebhook` for Link Deli
 - Document `IZ_WBK` list code for screening individuals and entities with Monitor
 
 ### 2020-09-14_1.211.0
+
 - Add `/partner/customer/oauth_institutions/get` endpoint.
 
 ### 2020-09-14_1.210.8
+
 - Update example response for `/credit/bank_income/get`
 
 ### 2020-09-14_1.210.7
+
 - Documentation updates for Investments APIs and Bank Transfer APIs.
 
 ### 2020-09-14_1.210.6
+
 - Add validation on `originator_client_id` and `redirect_uri` for `/transfer/originator/create` and `transfer/originator/get` request
 
 ### 2020-09-14_1.210.5
+
 - Add `company_name` to TransferOriginatorGetResponse
 
 # 17.2.0
+
 - Updating to OAS 2020-09-14_1.210.4
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.210.4
+
 - Add `recurring_transfer_id` to Transfer
 
 ### 2020-09-14_1.210.3
-- Make `id_numbers` field hidden in `/user/create` request 
+
+- Make `id_numbers` field hidden in `/user/create` request
 
 ### 2020-09-14_1.210.2
+
 - Make `transfer_ids` required in RecurringTransfer
 
 ### 2020-09-14_1.210.1
+
 - Change the `/transactions/enrich` `options.include_legacy_categories` field to `options.include_legacy_category`
 - Make documentation for the `/transactions/enrich` `options.include_legacy_category` request field visible
 - Make documentation for the `/transactions/enrich` `legacy_category` and `legacy_category_id` response fields visible
 - Add `direction` to required fields for `ClientProvidedTransaction`
 
 ### 2020-09-14_1.210.0
+
 - Add `/transfer/capabilities/get` endpoint to fetch RTP eligibility for a linked plaid item
 
 ### 2020-09-14_1.209.2
+
 - Renamed the `NullableRecurringTransfer` type to `RecurringTransferNullable` type
 
 ### 2020-09-14_1.209.1
+
 Add `nullable` property to `date_of_birth`, `phone_number_verified_time`, and `email_address_verified_time` fields within `LinkTokenCreateRequestUser` to resolve undesireable client library behavior in certain languages.
 
 ### 2020-09-14_1.209.0
+
 - add `NullableRecurringTransfer` field
 - replace `RecurringTransfer` with `NullableRecurringTransfer` for `TransferRecurringCreateResponse`
 - and `Decision` in required fields for `TransferRecurringCreateResponse`
 - add required fields for `TransferRecurringSchedule`
 
 ### 2020-09-14_1.208.0
+
 - Add `total_amounts` field to `/credit/bank_income/get` response
 - Deprecate `amount`, `iso_currency_code`, and `unofficial_currency_code` at top levels in `/credit/bank_income/get` response
 
 ### 2020-09-14_1.207.0
+
 - Add `id_numbers` field to `/user/create` request
 
 ### 2020-09-14_1.206.11
+
 - Add `RECURRING_NEW_TRANSFER` webhook event.
 - Add `RECURRING_TRANSFER_SKIPPED` webhook event.
 - Add `RECURRING_CANCELLED` webhook event.
 
 ### 2020-09-14_1.206.10
+
 - make `idempotency_key` field for `/transfer/recurring/create` non-nullable
 
 ### 2020-09-14_1.206.9
+
 - Add `description` field for `RecurringTransfer` object
 - Make `TransferRecurringStatus` non-nullable
 
 ### 2020-09-14_1.206.8
+
 - Make all mentions of relay tokens lowercase
 
 ### 2020-09-14_1.206.7
+
 - Updated external URLs for Credit Relay endpoints, and marked them as beta in the summary
 
 ### 2020-09-14_1.206.6
+
 - Add more enums values to `pay_rate` field in `/credit/payroll_income/get` response
 - Add `pay_basis` field to `/credit/payroll_income/get`
 
 ### 2020-09-14_1.206.5
+
 - Updated Credit Relay Token descriptions
 
 ### 2020-09-14_1.206.4
+
 - Add `FUNDS_SWEEP` as a `type` enum for the `WalletTransaction` object
 
 ### 2020-09-14_1.206.3
+
 - Make `test_clock_id` non-nullable in `test_clock`.
 
 ### 2020-09-14_1.206.2
+
 - Update `CounterpartyType` to rename `delivery_marketplace` to `marketplace`
 - Update `CounterpartyType` to add `payment_terminal`
 
 ### 2020-09-14_1.206.1
+
 - Update the `transactions/enrich` transaction description example to match the request.
 
 ### 2020-09-14_1.206.0
+
 - Add `/sandbox/transfer/test_clock/list` for recurring transfer
 - rm `decision` and `decision_rationale` from `RecurringTransfer`
 - add `decision` and `decision_rationale` in `TransferRecurringCreateResponse`
@@ -857,53 +1263,67 @@ Add `nullable` property to `date_of_birth`, `phone_number_verified_time`, and `e
 - not requiring `client_id` and `secret` for recurring transfer APIs
 
 ### 2020-09-14_1.205.9
+
 - Use a nested `options` field for optional request params to `transactions/enrich`
 - Make nullable fields required for `transactions/enrich`
 
 ### 2020-09-14_1.205.8
+
 - Update supported payment scheme options for `/payment_initiation/payment/create`
-–	Update description of `/payment_initiation/recipient/create` to mention non-Eurozone countries.
-–	Update `/payment_initiation/payment/create` mentioning new currencies and non-Eurozone markets.
-–	Removed `CHF` and `CZK` from the list of supported currencies.
+  – Update description of `/payment_initiation/recipient/create` to mention non-Eurozone countries.
+  – Update `/payment_initiation/payment/create` mentioning new currencies and non-Eurozone markets.
+  – Removed `CHF` and `CZK` from the list of supported currencies.
 
 ### 2020-09-14_1.205.7
+
 - Add website and logo_url to the `Counterparty` object for the Enrich product.
 - Update descriptions for logo_url field in `Counterparty`, `TransactionCounterparty`, `Enrichments` and `Enhancements`.
 
 ### 2020-09-14_1.205.6
+
 - Update field descriptions and response examples for `transactions/enrich`
 
 ### 2020-09-14_1.205.5
+
 - Add support for optional request parameters in /transactions/enrich
 - Add `location` field to `ClientProvidedTransaction` object
 - Add `mcc` field to `ClientProvidedTransaction` object
 - Add `date_posted` field to `ClientProvidedTransaction` object
 
 ### 2020-09-14_1.205.4
+
 - Document partial refunds
 - Update description for `/payment_initiation/payment/reverse` endpoint
 - Update description for `/payment_initiation/payment/get` endpoint
 
 # 17.1.0
+
 - Updating to OAS 2020-09-14_1.205.3
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.205.3
+
 - Update description for `/signal/evaluate` endpoint
 
 ### 2020-09-14_1.205.2
+
 - Update response examples, descriptions, and formatting for `/transactions/enrich` endpoint
 
 ### 2020-09-14_1.205.1
+
 - Update descriptions for `CUSIP` and `ISIN` fields in the investments `Security` type to reflect CGS license requirements
 
 ### 2020-09-14_1.205.0
+
 - Add `/transactions/enrich` endpoint, the EA version of `/beta/transactions/v1/enhance`.
 
 ### 2020-09-14_1.204.0
+
 - Remove `/income/verification/refresh` endpoint
 
 ### 2020-09-14_1.203.0
+
 - Add 7 brand new recurring transfer APIs
 - Add `/transfer/recurring/create`
 - Add `/transfer/recurring/list`
@@ -914,92 +1334,124 @@ Add `nullable` property to `date_of_birth`, `phone_number_verified_time`, and `e
 - Add `/sandbox/transfer/test_clock/get`
 
 ### 2020-09-14_1.202.6
+
 - IdentityMatchResponse `PhoneNumberMatchScore` and `EmailAddressMatchScore` use `score` instead of `scores`
 
 ### 2020-09-14_1.202.5
+
 - Add `/partner/customer/remove` endpoint
 
 ### 2020-09-14_1.202.4
+
 - Internal changes
 
 ### 2020-09-14_1.202.3
+
 - New Transfer API routes for hosted onboarding of TPS end-customers
 
 ### 2020-09-14_1.202.0
+
 - Add `refunds` field to `Transfer` object
 - Add `refund_id` field to `TransferEvent` object
 - Fix typo for `transfer/get` and `transfer/refund/get`
 
 ### 2020-09-14_1.201.0
+
 - Add support for partial refunds
 - Add `amount` field to `/payment_initiation/payment/reverse` request
 - Add `amount_refunded` field to `/payment_initiation/payment/get` and `/payment_initiation/payment/list` responses
 
 ### 2020-09-14_1.200.0
+
 - Add `risk_summary` and `page_number` to `/beta/credit/payroll_income/risk_signals/get`
 
 ### 2020-09-14_1.199.0
+
 - Renamed `/wallet/transactions/list` into `/wallet/transaction/list` as endpoint
 
 ### 2020-09-14_1.198.8
+
 - `/transfer/authorization/create` and `/transfer/create` may not return `account_id` in response.
 
 ### 2020-09-14_1.198.7
+
 - Add `SYNC_UPDATES_AVAILABLE` support to `/sandbox/item/fire_webhook`
 
 ### 2020-09-14_1.198.6
+
 - Make `ProductStatus` object nullable to reflect Sandbox-specific behavior.
 - Clarify documentation for `SYNC_UPDATES_AVAILABLE` webhook.
 
 ### 2020-09-14_1.198.5
+
 - Internal changes
 
 ### 2020-09-14_1.198.4
+
 - Add `deleted_at` to `/payment_profile/get` response.
 
 ### 2020-09-14_1.198.3
+
 - Change `start_date` to `start_time` for `/wallet/transaction/list` response.
 
 ### 2020-09-14_1.198.2
+
 - Update list of available products for `/partner/customer/create`.
 
 ### 2020-09-14_1.198.1
+
 - Add `institution_name` and `institution_id` fields to `/credit/payroll_income/get` response.
 
 ### 2020-09-14_1.198.0
+
 - Add `options.start_date` and `options.end_date` to `/wallet/transaction/list` endpoint.
 - Add `last_status_update` and `payment_id` field to `WalletTransaction`.
 - Add `transaction_id` field to `PaymentInitiationPayment`
 
 ### 2020-09-14_1.197.6
+
 - Add `originator_client_id` to Transfer API endpoints
 
 ### 2020-09-14_1.197.5
+
 - Deprecate `origination_account_id` from `/transfer/authorization/create` endpoint.
 
 ### 2020-09-14_1.197.4
+
 - Add `asset_under_management` field to `PartnerCustomerCreateRequest`.
 
 # 17.0.0
+
 - Updating to OAS 2020-09-14_1.205.3
 
+## Breaking changes in this version
+
+- (Identity Verification) Renamed Identity Verification UserName objects to IdentityVerificationRequestUserName and IdentityVerificationResponseUserName
+
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.205.3
+
 - Update description for `/signal/evaluate` endpoint
 
 ### 2020-09-14_1.205.2
+
 - Update response examples, descriptions, and formatting for `/transactions/enrich` endpoint
 
 ### 2020-09-14_1.205.1
+
 - Update descriptions for `CUSIP` and `ISIN` fields in the investments `Security` type to reflect CGS license requirements
 
 ### 2020-09-14_1.205.0
+
 - Add `/transactions/enrich` endpoint, the EA version of `/beta/transactions/v1/enhance`.
 
 ### 2020-09-14_1.204.0
+
 - Remove `/income/verification/refresh` endpoint
 
 ### 2020-09-14_1.203.0
+
 - Add 7 brand new recurring transfer APIs
 - Add `/transfer/recurring/create`
 - Add `/transfer/recurring/list`
@@ -1010,163 +1462,213 @@ Add `nullable` property to `date_of_birth`, `phone_number_verified_time`, and `e
 - Add `/sandbox/transfer/test_clock/get`
 
 ### 2020-09-14_1.202.6
+
 - IdentityMatchResponse `PhoneNumberMatchScore` and `EmailAddressMatchScore` use `score` instead of `scores`
 
 ### 2020-09-14_1.202.5
+
 - Add `/partner/customer/remove` endpoint
 
 ### 2020-09-14_1.202.4
+
 - Internal changes
 
 ### 2020-09-14_1.202.3
+
 - New Transfer API routes for hosted onboarding of TPS end-customers
 
 ### 2020-09-14_1.202.0
+
 - Add `refunds` field to `Transfer` object
 - Add `refund_id` field to `TransferEvent` object
 - Fix typo for `transfer/get` and `transfer/refund/get`
 
 ### 2020-09-14_1.201.0
+
 - Add support for partial refunds
 - Add `amount` field to `/payment_initiation/payment/reverse` request
 - Add `amount_refunded` field to `/payment_initiation/payment/get` and `/payment_initiation/payment/list` responses
 
 ### 2020-09-14_1.200.0
+
 - Add `risk_summary` and `page_number` to `/beta/credit/payroll_income/risk_signals/get`
 
 ### 2020-09-14_1.199.0
+
 - Renamed `/wallet/transactions/list` into `/wallet/transaction/list` as endpoint
 
 ### 2020-09-14_1.198.8
+
 - `/transfer/authorization/create` and `/transfer/create` may not return `account_id` in response.
 
 ### 2020-09-14_1.198.7
+
 - Add `SYNC_UPDATES_AVAILABLE` support to `/sandbox/item/fire_webhook`
 
 ### 2020-09-14_1.198.6
+
 - Make `ProductStatus` object nullable to reflect Sandbox-specific behavior.
 - Clarify documentation for `SYNC_UPDATES_AVAILABLE` webhook.
 
 ### 2020-09-14_1.198.5
+
 - Internal changes
 
 ### 2020-09-14_1.198.4
+
 - Add `deleted_at` to `/payment_profile/get` response.
 
 ### 2020-09-14_1.198.3
+
 - Change `start_date` to `start_time` for `/wallet/transaction/list` response.
 
 ### 2020-09-14_1.198.2
+
 - Update list of available products for `/partner/customer/create`.
 
 ### 2020-09-14_1.198.1
+
 - Add `institution_name` and `institution_id` fields to `/credit/payroll_income/get` response.
 
 ### 2020-09-14_1.198.0
+
 - Add `options.start_date` and `options.end_date` to `/wallet/transaction/list` endpoint.
 - Add `last_status_update` and `payment_id` field to `WalletTransaction`.
 - Add `transaction_id` field to `PaymentInitiationPayment`
 
 ### 2020-09-14_1.197.6
+
 - Add `originator_client_id` to Transfer API endpoints
 
 ### 2020-09-14_1.197.5
+
 - Deprecate `origination_account_id` from `/transfer/authorization/create` endpoint.
 
 ### 2020-09-14_1.197.4
+
 - Add `asset_under_management` field to `PartnerCustomerCreateRequest`.
 
 # 17.0.0
+
 - Updating to OAS 2020-09-14_1.197.3
 
-## Breaking changes
+## Breaking changes in this version
+
 - Move from Ruby 2.4.0 to Ruby 3, incorporating [#440](https://github.com/plaid/plaid-ruby/pull/440)
 - Consolidate usages of `Error` into `PlaidError`
 - Rename `LOGIN_REQUIRED` from transfer authorizations `decision_rationale` to `ITEM_LOGIN_REQUIRED`
 - Update `IdentityVerificationRequestUser.date_of_birth` to be required to match the existing behavior of the API.
+- (Transfer) Rename `TransferUserInRequest` to `TransferAuthorizationUserInRequest` for `/transfer/authorization/create`
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.197.3
+
 - Update supported `CountryCode`'s in `link/token/create` docs.
 
 ### 2020-09-14_1.197.2
+
 - ach_class optional
 - add rtp network option
 
 ### 2020-09-14_1.197.1
+
 - Add newly supported languages for Link
 
 ### 2020-09-14_1.197.0
+
 - Add `PAYMENT_PROFILE_LOGIN_REQUIRED` to transfer authorization `decision_rationale.code`.
 
 ### 2020-09-14_1.196.3
+
 - Add `institution_name` field to `payroll_income_result` of `/credit/sessions/get`
 
 ### 2020-09-14_1.196.2
+
 - Add requirements for `logo` in `PartnerCustomerCreateRequest`.
 
 ### 2020-09-14_1.196.2
+
 - Deprecate webhook status `VERIFICATION_STATUS_PENDING_APPROVAL` in `income_verification` apis.
 
 ### 2020-09-14_1.196.1
+
 - Add a note in the description of `/transfer/authorization/create`
 
 ### 2020-09-14_1.196.0
-- Added endpoint `/sandbox/payment_profile/reset_login` 
+
+- Added endpoint `/sandbox/payment_profile/reset_login`
 
 ### 2020-09-14_1.195.0
+
 - Consolidate usages of `Error` into `PlaidError`
 - Add a `PlaidErrorType` enum
 
 ### 2020-09-14_1.194.2
+
 - Fix typo for `income_verification` in `/sandbox/public_token/create` options
 
 ### 2020-09-14_1.194.1
+
 - Update field descriptions in `/partner/customer/*` responses.
 - Make `PartnerEndCustomerWithSecrets` extend `PartnerEndCustomer`.
 - Fix documentation links in `/partner/customer/*` endpoints.
 
 ### 2020-09-14_1.194.0
+
 - Add `/partner/customer/enable` endpoint
 
 ### 2020-09-14_1.193.0
+
 - Rename `LOGIN_REQUIRED` from transfer authorizations `decision_rationale` to `ITEM_LOGIN_REQUIRED`
 
 ### 2020-09-14_1.192.3
+
 - Add `/fdx/notifications` endpoint.
 
 ### 2020-09-14_1.192.2
+
 - Add `USER_REPORTED_NO_INCOME` to CreditSessionBankIncomeStatus
 
 ### 2020-09-14_1.192.1
+
 - Update description for `payment_profile_token` field
 
 ### 2020-09-14_1.192.0
+
 - Add `income_verfication` field to `/sandbox/public_token/create`
 
 ### 2020-09-14_1.191.1
+
 - Add `document_income_result` field to `credit/sessions/get`
 
 ### 2020-09-14_1.191.0
+
 - Remove `payment_profile_id` from `/payment_profile/*`, `/transfer/authorization/create`, and `/transfer/create` endpoints and replace with `payment_profile_token`
 
 ### 2020-09-14_1.190.0
+
 - Removed auditor_id from /credit/audit_copy/token/create
 
 ### 2020-09-14_1.189.0
+
 - Add length boundary for the `client_user_id` field in `user/create`
 
 ### 2020-09-14_1.188.0
+
 - Add `SchemaVersion` field to Freddie Mac Verification of Assets Schema
 
 ### 2020-09-14_1.187.0
+
 - Add `non-custodial wallet` to account subtypes supported for investments
 - Add `trade` investment transaction subtype as a subtype of `transfer` investment transaction type
 
 ### 2020-09-14_1.186.2
+
 - Add `errors` field to `credit/sessions/get`
 
 ### 2020-09-14_1.186.1
+
 - Add `payroll_income_result` field to `credit/sessions/get`
 
 ### 2020-09-14_1.186.0
@@ -1186,13 +1688,22 @@ Add `nullable` property to `date_of_birth`, `phone_number_verified_time`, and `e
 - Add `beacon_session_id` field in req of /transfer/authorization/create endpoint.
 
 ### 2020-09-14_1.182.0
+
 - Add `/link/oauth/correlation_id/exchange` endpoint.
 
 # 16.0.0
+
 - Updating to OAS 2020-09-14_1.181.1
 
+## Breaking changes in this version
+
+- (Identity Verification) Remove `Date` and `DateNullable` types in identity_verification and monitor endpoints. Replace with `ISO8601Date` and `ISO8601DateNullable`
+  instead.
+
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.181.1
+
 - Update `report_tokens` in `/credit/relay/create` endpoint request to be a list of strings instead a list of objects
 
 ### 2020-09-14_1.181.0
@@ -1202,7 +1713,7 @@ Add `nullable` property to `date_of_birth`, `phone_number_verified_time`, and `e
 ### 2020-09-14_1.180.0
 
 - Remove `Date` and `DateNullable` types in identity_verification and monitor endpoints. Replace with `ISO8601Date` and `ISO8601DateNullable`
-    instead.
+  instead.
 
 ### 2020-09-14_1.179.0
 
@@ -1226,14 +1737,17 @@ Add `nullable` property to `date_of_birth`, `phone_number_verified_time`, and `e
 - Add `settled` as a valid event type for `/sandbox/transfer/simulate`
 
 ### 2020-09-14_1.177.3
+
 - Replace `ASSET_TRANSACTION_DESCRIPTION` with `ASSET_TRANSACTION_DESCRIPTON` in Freddie Mac
   Asset Report
 
 ### 2020-09-14_1.177.2
+
 - Add `ownership_type` to Asset Report account object, to reflect actual API behavior.
 - Update and clarify docs, including update to reflect new Transfers cutoff times.
 
 ### 2020-09-14_1.177.1
+
 - Add `settled` as a possible Transfer status and `swept_settled` as a possible Transfer sweep status
 - Add `settled` and `swept_settled` as new Transfer event types
 - Add `settled` field to Transfer sweep object
@@ -1244,9 +1758,11 @@ Add `nullable` property to `date_of_birth`, `phone_number_verified_time`, and `e
 - Add `options` and `days_to_included` to `AssetReportGetRequest`
 
 ### 2020-09-14_1.176.2
+
 - Add `recipient_id` field examples to the `/wallet/create`, `/wallet/get`, and `/wallet/list` responses
 
 ### 2020-09-14_1.176.1
+
 - Set `employment_report_token` field in the `/credit/employment/get` endpoint to be not required
 
 ### 2020-09-14_1.176.0
@@ -1403,9 +1919,11 @@ Add `nullable` property to `date_of_birth`, `phone_number_verified_time`, and `e
 - Update `PaymentInitiationPaymentStatus` to include an additional `PAYMENT_STATUS_SETTLED` enum
 
 # 15.11.0
+
 - Updating to OAS 2020-09-14_1.161.5
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.161.5
 
 - Reverts the changes made in 2020-09-14_1.157.0
@@ -1415,7 +1933,7 @@ Add `nullable` property to `date_of_birth`, `phone_number_verified_time`, and `e
 - Update description for webhook `USER_PERMISSION_REVOKED`
 
 ### 2020-09-14_1.161.3
- 
+
 - Bug fix: Put quotes around the '529' account type to prevent generated client libraries from treating it as an integer.
 - Add `RECURRING_TRANSACTIONS_UPDATE` to description of sandbox webhook testing endpoint
 
@@ -1428,6 +1946,7 @@ Add `nullable` property to `date_of_birth`, `phone_number_verified_time`, and `e
 - Add required fields back to AssetReport schema
 
 ### 2020-09-14_1.161.0
+
 - Remove `access_token` request parameter from `/beta/partner/v1/customers/create`
 
 ### 2020-09-14_1.160.0
@@ -1465,25 +1984,32 @@ Add `nullable` property to `date_of_birth`, `phone_number_verified_time`, and `e
 - Create `/credit/bank_income/pdf/get` to allow customers to retrieve the bank income product as a PDF
 
 ### 2020-09-14_1.153.1
+
 -- Add `personal_finance_category_icon_url` to `/beta/transactions/v1/enhance` response
 
 ### 2020-09-14_1.153.0
+
 -- Add new endpoint `/beta/partner/v1/customers/create`
 
 ### 2020-09-14_1.152.0
+
 - Add `form1099s` as part of the `credit/payroll_income/get` response.
 - Add `Credit1099` object and corresponding subtypes.
 
 ### 2020-09-14_1.151.1
+
 - Update required fields list for guaranteed ACH customers
 
 ### 2020-09-14_1.151.0
+
 - Mark `verification` field under `paystubs` object in `/credit/payroll_income/get` as deprecated
 
 ### 2020-09-14_1.150.0
+
 - Make `user_present` under `/transfer/authorization/create` nullable
 
 ### 2020-09-14_1.149.1
+
 - Update fields description for guaranteed ACH customers
 
 ### 2020-09-14_1.149.0
@@ -1505,9 +2031,11 @@ Add `nullable` property to `date_of_birth`, `phone_number_verified_time`, and `e
 - Add new endpoints `/credit/relay/get`, `/credit/relay/refresh` and `/credit/relay/remove`
 
 # 15.10.0
+
 - Updating to OAS 2020-09-14_1.146.0
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.146.0
 
 - make item_logins field not required
@@ -1586,64 +2114,85 @@ Add `nullable` property to `date_of_birth`, `phone_number_verified_time`, and `e
 - Add `/credit/audit_copy_token/remove` to invalidate Audit Copy tokens
 
 # 15.9.0
+
 - Updating to OAS 2020-09-14_1.131.3
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.131.3
+
 - Update external URL for `/transfer/migrate_account` endpoint
 
 ### 2020-09-14_1.131.2
+
 - Add `TRANSFER_LIMIT_REACHED` to enum `TransferAuthorizationDecisionRationaleCode`
 
 ### 2020-09-14_1.131.1
+
 - Update `/payment_initiation/consent/*` external docs URLs
 
 ### 2020-09-14_1.131.0
+
 - Add `iban` to `counterparty`'s `numbers` field in `/wallet/transaction/execute`
 
 ### 2020-09-14_1.130.0
+
 - Update description of `/user/create` to make it more clear what would happen when a client calls the user creation endpoint with the same client_user_id multiple times.
 
 ### 2020-09-14_1.129.0
+
 - Add `signal_description` for each risk signal in `/beta/credit/payroll_income/risk_signals/get`
 - Change `DocumentRiskSignalInstitutionMetadata` to be nullable
 
 ### 2020-09-14_1.128.6
+
 - Fix category rules formatting
 
 ### 2020-09-14_1.128.5
+
 - Change description in `UserCustomPassword` to reflect that only top level fields are optional not all fields
 
 ### 2020-09-14_1.128.4
+
 - Move Category Rules description to `include_personal_finance_category` flag
 
 # 15.8.0
+
 - Updating to OAS 2020-09-14_1.128.4
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.128.4
+
 - Add `identity_verification` as a new optional parameter for `/link/token/create`
 
 ### 2020-09-14_1.128.3
+
 - Add category rules beta to `personal_finance_category` field description
-in `/transactions/get`
+  in `/transactions/get`
 
 # 15.7.0
+
 - Updating to OAS 2020-09-14_1.128.2
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.128.2
+
 - Update description of `/investments/transactions/get` endpoint
-- Update description of `cost_basis` field 
+- Update description of `cost_basis` field
 
 ### 2020-09-14_1.128.1
+
 - Add `merchant_website` and `merchant_logo_url` to `/beta/transactions/v1/enhance` response
 
 ### 2020-09-14_1.128.0
+
 - Add `auth_type_select_enabled`, `automated_microdeposits_enabled`, `instant_match_enabled`, and `same_day_microdeposits_enabled` to `/link/token/create`
 - Marked `flow_type` parameter as deprecated
 
 ### 2020-09-14_1.127.0
+
 - Add `consent_id` filter to `/payment_initiation/payment/list`
 - Add `consent_id` to `/link/token/create`
 
@@ -1656,9 +2205,11 @@ in `/transactions/get`
 - Add `accounts` object to `/credit/payroll_income/get` response
 
 ### 2020-09-14_1.124.0
+
 - Added `include_fast_report` in `asset_report/create` endpoint. Added `fast_report` in `asset_report/get` endpoint
 
 ### 2020-09-14_1.123.1
+
 - Removed `reversed` and `reverse_swept` from possible event_type values in TransferEventListRequest docs
 
 ### 2020-09-14_1.123.0
@@ -1670,166 +2221,221 @@ in `/transactions/get`
 - Add `request_id` to all Identity Verification and Monitor responses
 
 ### 2020-09-14_1.121.2
+
 - Added sample user_id to INCOME_VERIFICATION webhook
 
 ### 2020-09-14_1.121.1
+
 - Pre-release API refinements to Monitor and Flow endpoints
 
 # 15.6.0
+
 - Updating to OAS 2020-09-14_1.121.0
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.121.0
+
 - Add TimestampNullable type
 
 ### 2020-09-14_1.120.0
+
 - Removed `Uploaded`, `Created` and `APPROVAL_STATUS_APPROVED` enum strings from `PayrollItemStatus` field.
 
 ### 2020-09-14_1.119.0
+
 - Add `returned` to TransferStatus enum
 - Add `return_swept` to TransferSweepStatus enum
 - Add `returned` and `return_swept` to TransferEventType enum
 
 ### 2020-09-14_1.118.0
+
 - Added `employee_type` and `last_paystub_date` to `/credit/employment/get` response
 
 ### 2020-09-14_1.117.1
+
 - Make `/payment_initiation/consent/create` API more strict
 
 ### 2020-09-14_1.117.0
+
 - Add `/credit/audit_copy_token/create` endpoint
 
 ### 2020-09-14_1.116.0
+
 - Add `/wallet/list` endpoint
 
 # 15.5.0
+
 - Updating to OAS 2020-09-14_1.115.2
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.115.2
+
 - Update description fields to fix formatting errors
 - Reflect that `error.suggested_action` is `nullable`
 
 ### 2020-09-14_1.115.1
+
 - Update OpenAPI spec
 
 ### 2020-09-14_1.115.0
+
 - Added `income_report_token` to `/credit/payroll_income/get` response
 
 ### 2020-09-14_1.114.2
+
 - Add `/wallet/create` endpoint
 
 ### 2020-09-14_1.114.1
+
 - Add beta `additional_consented_products` field to `/link/token/create`
 
 ### 2020-09-14_1.113.1
+
 - Updated `/transactions/recurring/get` description
 
 ### 2020-09-14_1.113.0
+
 - Add webhooks for new Monitor and Identity Verification products
 
 ### 2020-09-14_1.112.0
+
 - Add endpoints for new Monitor and Identity Verification products
 
 ### 2020-09-14_1.111.15
+
 - Remove `emi_recipient_id` from Payment Initiation Recipient
 
 ### 2020-09-14_1.111.14
+
 - Add optional `iban` and `bacs` fields to `options` in the `/payment_initiation/consent/create` request
 
 ### 2020-09-14_1.111.13
+
 - Updated `/transactions/sync` description
 
 ### 2020-09-14_1.111.12
+
 - Add more accurate enum documentations to `/transactions/recurring/get` API doc
 
 ### 2020-09-14_1.111.11
+
 - Additional documentation for `/transactions/sync`
 
 ### 2020-09-14_1.111.9
+
 - Remove deprecated field `createdAt` from `/application/get` response
 
 ### 2020-09-14_1.111.8
+
 - Add field validation to `BankTransferDirection`
 
 ### 2020-09-14_1.111.7
+
 - Remove deprecated field `createdAt` from `/application/get` response
 
 ### 2020-09-14_1.111.6
+
 - Add external doc link to `transactions/recurring/get`
 
 ### 2020-09-14_1.111.5
+
 - Updating the API doc for Recurring Transactions
 
 ### 2020-09-14_1.111.4
+
 - Add `DisplayName` in `/application/get` response
 
 ### 2020-09-14_1.111.3
+
 - Updated sample responses for all Transfer endpoints
 
 ### 2020-09-14_1.111.2
+
 - Changing `beta/transactions/rules/` routes to `beta/transactions/rules/v1`
 
 ### 2020-09-14_1.111.1
+
 - Fixing `InsitututionMetadata` typo to `InstitutionMetadata` in private `/beta/credit/payroll_income/risk_signals/get`endpoint response
 
 ### 2020-09-14_1.111.0
+
 - Added `require_guarantee`, `guarantee_decision`, and `guarantee_decision_rationale` to `/transfer/intent` in order to support Guarantee when using Transfer UI.
 
 ### 2020-09-14_1.110.2
+
 - Add additional supported `type` enums in `WalletTransaction`.
 
 ### 2020-09-14_1.110.1
+
 - Add Additional History billing information for /asset_report/create.
 
 ### 2020-09-14_1.110.0
+
 - Add `user_id` to income verification webhook payload
 
 ### 2020-09-14_1.109.1
+
 - Make `consent_id` field nullable in `PaymentInitiationPayment`.
 
 ### 2020-09-14_1.109.0
+
 - Replace `initiated_refunds` with `refund_ids` in the `/payment_initiation/payment/get` and `/payment_initiation/payment/list` responses
 
 ### 2020-09-14_1.108.0
+
 - Added `/beta/credit/payroll_income/risk_signals/get` endpoint (currently private)
 
 ### 2020-09-14_1.107.4
+
 - Remove unsupported ACH classes from `bank_transfer/` and `transfer/` endpoints.
 
 ### 2020-09-14_1.107.3
+
 - Add `enable_multiple_items` parameter for bank income.
 
 ### 2020-09-14_1.107.2
+
 - Fix typo in `institution_name` parameter for credit endpoints.
 
 ### 2020-09-14_1.107.0
+
 - Added `reference` and `idempotency_key` fields to the `payment_initiation/payment/reverse` request.
 
 ### 2020-09-14_1.106.0
+
 - Added `is_update_mode` to `income_verification` in the `/link/token/create` body
 
 ### 2020-09-14_1.105.2
+
 - Consolidate item schemas
 
 # 15.4.0
+
 - Updating to OAS 2020-09-14_1.105.1
 - Expose Faraday::Connection object for additional configuration options
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.105.1
+
 - Removed `client_id` and `secret` as required fields from `/transfer/intent/{get,create}` to match actual API behavior.
 
 ### 2020-09-14_1.105.0
+
 - Add `/credit/payroll_income/refresh` endpoint
 
 ### 2020-09-14_1.104.0
+
 - Added `/signal/prepare`
 
 ### 2020-09-14_1.103.0
+
 - Add `/transactions/recurring/deactivate` endpoint
 
 ### 2020-09-14_1.102.0
+
 - Added `/watchlist_screening/individual/list` (currently private)
 - Added `/watchlist_screening/individual/create` (currently private)
 - Added `/watchlist_screening/individual/get` (currently private)
@@ -1858,260 +2464,344 @@ in `/transactions/get`
 - Modified `/identity_verification/create` (currently private)
 
 ### 2020-09-14_1.101.0
+
 - Add endpoint for `/credit/bank_income/refresh`
 
 ### 2020-09-14_1.100.0
+
 - Add `include_original_description`, `include_personal_finance_category` options to `/transactions/sync` request.
 
 ### 2020-09-14_1.99.0
+
 - API changes for /credit/employment/get
 
 ### 2020-09-14_1.98.1
+
 - Add `gusto` as processor partner
 
 ### 2020-09-14_1.98.0
+
 - Add `user_token` as a request parameter for `/sandbox/public_token/create`
 
 ### 2020-09-14_1.97.1
+
 - Remove `auth`, `transactions_updates`, `investments_updates`, and `identity` as required fields from Item status to match actual API behavior.
 
 # 15.3.0
+
 - Updating to OAS 2020-09-14_1.97.0
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.97.0
+
 - [Beta] Rename some `Credit` refs that were preventing client library generation from completing successfully
 
 ### 2020-09-14_1.96.0
+
 - remove unused `payroll_income_id` from `/credit/payroll_income/get` field
 - add status object to items in `/credit/payroll_income/get` response body
 
 ### 2020-09-14_1.95.1
+
 - Add `TransferEventsUpdateWebhook` schema
 
 ### 2020-09-14_1.95.0
+
 - Add `institution_data` parameter to `/link/token/create`
 
 ### 2020-09-14_1.94.2
+
 - Tidy up YAML
 
 ### 2020-09-14_1.94.1
+
 - Add `highnote` processor to `/processor/token/create`
 
 # 15.2.0
+
 - Updating to OAS 2020-09-14_1.94.0
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.94.0
+
 - Add `use_case`, `company_legal_name`, `city`, `region`, `country_code`, `postal_code` as a required response field of `Application`
 
 ### 2020-09-14_1.93.2
+
 - Remove `income_verification_id` from income webhook example
 - Fix incorrect URL for `/user/create` endpoint
 
 ### 2020-09-14_1.93.1
+
 - Remove deprecated `income_verification_id` from income webhooks
 - Standardize income webhook casing
 
 ### 2020-09-14_1.93.0
+
 - Add several new fields to `/signal/evaluate` response
-- 
+-
+
 ### 2020-09-14_1.92.4
+
 - Add `/sandbox/transfer/fire_webhook` endpoint
 
 ### 2020-09-14_1.91.4
+
 - Mark certain Income endpoints as deprecated in favor of the new `/credit/*` endpoints.
 
 ### 2020-09-14_1.91.3
+
 - Add `checkout` processor to `/processor/token/create`
 
 ### 2020-09-14_1.91.2
+
 - Add `webhook_type` parameter to `/sandbox/item/fire_webhook`
 - Support for investments transactions, investments holdings and liabilities `DEFAULT_UPDATE` webhooks
 
 ### 2020-09-14_1.90.2
+
 - Add new warning type to `/credit/bank_income/get` response
 
 ### 2020-09-14_1.90.1
+
 - Add `marqeta` and `solid` as Auth processor partners
 - Fix schema of `cause` parameter for Asset Reports
 - Fix some invalid examples
- 
+
 ### 2020-09-14_1.90.0
+
 - Add `/credit/employment/get` endpoint
 - Add optional `access_tokens` array to `/credit/payroll_income/precheck` request
 
 ### 2020-09-14_1.89.3
+
 - Update description of `/sandbox/item/fire_webhook`
 
 ### 2020-09-14_1.89.2
+
 - Update description of `accounts/get`
 
 ### 2020-09-14_1.89.1
+
 - Added `AUTH_DATA_UPDATE` webhook code as valid input to `/sandbox/item/fire_webhook`
 - Update description for `/sandbox/item/fire_webhook`
 
 ### 2020-09-14_1.89.0
+
 - Add `/transfer/migrate_account` endpoint
 
 ### 2020-09-14_1.88.2
+
 - Fix operationId for `/credit/payroll_income/precheck`
 
 ### 2020-09-14_1.88.1
+
 - Remove deprecated fields from `/item/application/list`
 
 ### 2020-09-14_1.88.0
+
 - Add `wire_routing_number` parameter to `/bank_transfer/migrate_account`
 
 ### 2020-09-14_1.87.1
+
 - Specify minimum length of 1 for `description` on `TransferIntentCreateRequest`
 
 ### 2020-09-14_1.87.0
+
 - Add `consent_id` support in the Institutions Search request
 
 ### 2020-09-14_1.86.1
+
 - Add `apex_clearing` as a processor partner
 
 ### 2020-09-14_1.86.0
+
 - Introduce Credit Payroll Income APIs
 - Introduce Credit Precheck API
 
 ### 2020-09-14_1.85.1
+
 - Add `/identity_verification/create` endpoint, kept private for now
 
 ### 2020-09-14_1.85.0
+
 - Add `status` field to `ConnectedApplication`
 
 # 15.1.0
+
 - Updating to OAS 2020-09-14_1.84.5
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.84.5
+
 - Added missing `asset_report_id` field to `/asset_report/relay/refresh`
 
 ### 2020-09-14_1.84.4
+
 - Change summary description and url for `/credit/bank_income/get`
 
 ### 2020-09-14_1.84.3
+
 - Slight wording change for `/credit/bank_income/get` response fields
 
 ### 2020-09-14_1.84.3
-- Move `user_token` to top level of `link/token/create` request 
+
+- Move `user_token` to top level of `link/token/create` request
 
 ### 2020-09-14_1.84.2
+
 - Correct typo in enum value for Investment subtypes (`person` -> `pension`)
 
 ### 2020-09-14_1.84.1
+
 - Fix schema to properly handle personal finance categories in `/transactions/get`
 
 ### 2020-09-14_1.84.0
+
 - Add `user_token` parameter to `link/token/create`
 
 ### 2020-09-14_1.83.1
+
 - Add new fields to `/credit/bank_income/get` response
 
 ### 2020-09-14_1.83.0
+
 - Remove `permitted` decision for `/transfer/authorization/create`
 
 ### 2020-09-14_1.82.0
+
 - Add beta field `consented_products` to `/item/get/` endpoint response
 
 ### 2020-09-14_1.82.0
+
 - Revamp LinkTokenCreate.IncomeVerificationOptions for GA
 
 ### 2020-09-14_1.81.0
+
 - Add `/transaction/rules/create`, `/transaction/rules/list` and `/transaction/rules/remove` endpoints
 
 ### 2020-09-14_1.80.0
+
 - Added `/user/create` endpoint
 
 # 15.0.0
+
 - Updating to OAS 2020-09-14_1.79.0
 
 ## Breaking changes
+
 - Many enum fields have been de-anonymized and renamed, new names can be found in the `2020-09-14_1.64.15` change message
-- Non integer numbers are now `float64` fields
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.79.0
+
 - Update to include all changes up to `2020-09-14_1.77.4` (Undo revert from `1.78.x` updates)
 
 ### 2020-09-14_1.77.4
+
 - Remove the word "Asset" before "Relay" in every asset report relay related responses and request objects
 
 ### 2020-09-14_1.77.3
+
 - Add "AssetReport" at the beginning of relay related responses and request objects to match the same pattern as other assets related objects
 
 ### 2020-09-14_1.77.2
+
 - Add `ProductAccess` fields for upcoming partner
 
 # 14.14.0
+
 - Updating to OAS 2020-09-14_1.78.2
 - Ruby library 14.13.0 was erroneously released as a `minor` version; 14.13.0 changes will be re-released as a `major` version shortly.
 
 # 14.13.0
+
 - Updating to OAS 2020-09-14_1.77.1
 
 # Breaking changes
+
 - Many enum fields have been de-anonymized and renamed, new names can be found in the `2020-09-14_1.64.15` change message
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.77.1
+
 - Fix extraneous field in enum that caused issue in code generation
 - Added `asset_report_id` to the example for `/asset_report/relay/refresh`
 
 ### 2020-09-14_1.77.0
+
 - Explicitly set `format: double` for non-integer numbers so generated fields prefer float64
 
 ### 2020-09-14_1.76.0
+
 - Add three new endpoints for Assets: `/asset_report/relay/create`, `/asset_report/relay/get`, and `/asset_report/relay/rmeove`
 
 ### 2020-09-14_1.75.0
+
 - Added `/asset_report/relay/refresh` endpoint
 
 ### 2020-09-14_1.74.0
+
 - Add `recurring_transactions` to list of products
 
 ### 2020-09-14_1.73.0
+
 - Add new endpoint for `/credit/bank_income/get`
 
 ### 2020-09-14_1.72.0
+
 - Updated documentation URLs for all product endpoints. They can now be found
-at `/docs/api/products/<product-name>/#endpoint` instead of `/docs/api/products/#endpoint`
+  at `/docs/api/products/<product-name>/#endpoint` instead of `/docs/api/products/#endpoint`
 
 ### 2020-09-14_1.71.0
+
 - internal changes
 
 ### 2020-09-14_1.70.0
+
 - Remove deprecated `income_verification_id` from `/sandbox/income/fire_webhook`
 
 ### 2020-09-14_1.69.1
+
 - Reorder processors enum
 
 ### 2020-09-14_1.69.0
+
 - Added `/beta/transactions/v1/enhance` endpoint
 
 ### 2020-09-14_1.68.1
+
 - Added `status` object to sample responses for `/institutions/get` and `institutions/search` endpoints
 
 ### 2020-09-14_1.68.0
+
 - Mark `include_personal_finance_category_beta` property as deprecated.
 - Add new argument `include_personal_finance_category` to TransactionsGetRequestOptions.
 - Update docs for `/transactions/get` request and response, referencing personal_finance_category taxonomy csv file.
 
 ### 2020-09-14_1.67.1
+
 - internal changes
 
 ### 2020-09-14_1.67.0
+
 - Removed unused `/income/verification/summary/get` endpoint
 
 ### 2020-09-14_1.66.0
+
 - Added Payment Consent endpoints
 
 ### 2020-09-14_1.65.0
+
 - Removed unused `/income/verification/paystub/get` endpoint
 
 ### 2020-09-14_1.64.15
+
 - De-anonymized enums:
   - `PaymentInitiationPaymentReverseResponse.properties.status` => `PaymentInitiationRefundStatus`
   - `PaymentInitiationPaymentCreateResponse.properties.status` => `PaymentInitiationPaymentCreateStatus`
@@ -2131,32 +2821,41 @@ at `/docs/api/products/<product-name>/#endpoint` instead of `/docs/api/products/
 - `IncomeVerificationPrecheckMilitaryInfo.properties.branch` is now a string field (previously enum)
 
 ### 2020-09-14_1.64.15
+
 - Made `last_statement_balance` and `minimum_payment_amount` `nullable` for credit card liabilities schema to reflect existing API behavior.
 
 ### 2020-09-14_1.64.14
+
 - Made `last_payment_amount` and `last_statement_issue_date` `nullable` for credit card liabilities schema to reflect existing API behavior.
 - Fix transfers examples to reflect more consistent usage of `region` field.
 
 # 14.12.1
+
 - Updating to OAS 2020-09-14_1.64.13
 - Fix issue where library did not correctly detect if app is a Rails app.
 
 ## OpenAPI Schema Changes
+
 ### 2020-09-14_1.64.13
+
 - Deprecate `idempotency_key` parameter in transfer/create
 
 ### 2020-09-14_1.64.12
+
 - Removed the unused `required_product_access` and `optional_product_access` parameters from `RequestedScopes`
 
 ### 2020-09-14_1.64.11
+
 - Fix some examples that were not consistent with their schemas
 - Add `adjustments` as an investments transaction type to make OpenAPI file consistent with values returned by the API
 - Clarify description field for `marital_status` to reflect possible values
 
 ### 2020-09-14_1.64.10
+
 - Updated the external docs URL for Bank Transfers sandbox endpoints
 
 ### 2020-09-14_1.64.9
+
 - De-anonymized the object filters under `LinkTokenCreateRequestAccountSubtypes`, as anonymous objects aren't compatible with the generated CLibs.
 - De-anonymized some misc. objects
   - `PaymentInitiationMetadata/properties/maximum_payment_amount`
@@ -2166,116 +2865,152 @@ at `/docs/api/products/<product-name>/#endpoint` instead of `/docs/api/products/
   - `LiabilitiesDefaultUpdateWebhook/properties/account_ids_with_updated_liabilities`
 
 ### 2020-09-14_1.64.8
+
 - Updated the description of the historical_balances array
 
 ### 2020-09-14_1.64.7
+
 - Add new possible enums for income verification earnings breakdown canonical description
 
 ### 2020-09-14_1.64.6
+
 - Hid a few product enum values that are deprecated or no longer valid for certain request fields. This affects the documentation only.
 
 ### 2020-09-14_1.64.5
+
 - Make guarantee fields required in Transfer endpoints
 
 ### 2020-09-14_1.64.4
+
 - Updated description for `failure_reason` field in Transfer endpoints
 
 ### 2020-09-14_1.64.3
+
 - Make `repayment_id` required in `/transfer/repayment/return/list` endpoint
 
 ### 2020-09-14_1.64.2
-- Update description for legal name field in `BankTransferUser` 
+
+- Update description for legal name field in `BankTransferUser`
 
 ### 2020-09-14_1.64.1
+
 - Update descriptions for `/transfer/repayment/list` and `/transfer/repayment/return/list` endpoints
 
 ### 2020-09-14_1.64.0
+
 - Remove `scheme_automatic_downgrade` from `/payment_initiation/payment/create`
 
 ### 2020-09-14_1.63.1
+
 - Update description for `/sandbox/transfer/sweep/simulate` endpoint
 
 ### 2020-09-14_1.63.0
+
 - Refactor account subtype enums for greater specificity. This has no changes to the API but is a major semver change for Python, Node, Go, and Java client library interfaces to the AccountSubtype object within account filtering contexts in `/link/token/create`. The `AccountSubtype` namespace in this context is now prefixed with the AccountType. (Example for Node: Old: `AccountSubtype.checking` New: `DepositoryAccountSubtype.checking`)
 
 ### 2020-09-14_1.62.7
+
 - Update description for `datetime` and `authorized_datetime` fields in Transactions endpoints
 
 ### 2020-09-14_1.62.6
+
 - Make `sweep_id` / `sweep_amount` fields on Transfer Event nullable
 
 ### 2020-09-14_1.62.6
+
 - Set `institution_status` to be nullable in `InstitutionsGetResponse`
 
 ### 2020-09-14_1.62.5
+
 - Update external docs URLs for Transfer and Bank Transfer endpoints
 - Update description for `ach_return_code` field in Transfer endpoints
 
 ### 2020-09-14_1.62.4
+
 - Add `join_date` to `/application/get` and `/item/application/list`
 - Remove `created_at` from `/application/get`
 
 ### 2020-09-14_1.62.3
+
 - Updated various description fields for Income
 
 ### 2020-09-14_1.62.2
+
 - Add `employment` as an available product in Product array.
 
 # 14.12.0
+
 - Updating to OAS 2020-09-14_1.62.1
 
 # 14.11.1
+
 - Added a release step to the `Makefile` to purge previously released version of plaid-ruby in the current release.
 
 # 14.11.0
+
 - Updating to OAS 2020-09-14_1.61.0
 
 # 14.10.0
+
 - Updating to OAS 2020-09-14_1.58.1
 
 # 14.9.0
+
 - Updating to OAS 2020-09-14_1.54.2
 
 # 14.8.0
+
 - Updating to OAS 2020-09-14_1.46.1
 
 # 14.7.0
+
 - Updating to OAS 2020-09-14_1.44.0
 
 # 14.6.0
+
 - Updating to OAS 2020-09-14_1.40.3
 
 # 14.5.0
+
 - Updating to OAS 2020-09-14_1.36.4
 
 # 14.4.0
+
 - Updating to OAS 2020-09-14_1.34.1
 - Fixed an issue with enums in this library. The library is supposed to be able to gracefully handle
-    new enum values being returned from endpoints. Previously, if there were new enum values
-    endpoint calls would fail.
+  new enum values being returned from endpoints. Previously, if there were new enum values
+  endpoint calls would fail.
 
 # 14.3.0
+
 Updating to OAS 2020-09-14_1.33.0.
 
 # 14.2.0
+
 Updating to OAS 2020-09-14_1.31.1.
 
 # 14.1.0
+
 Updating to OAS 2020-09-14_1.26.1.
 
 # 14.0.0
-The official release of the `plaid-ruby` generated library. Refer to the beta migration guide for tips on migrating from older version of the libraries.
+
+The official release of the `plaid-ruby` generated library. See the [migration guide](https://github.com/plaid/plaid-java#migration-guide) for instructions on migrating to this version.
 
 This particular version is pinned to OpenAPI version `2020-09-14_1.20.6`.
 
 # 14.0.0.beta.5
+
 Generated from OAS version 2020-09-14_1.16.4. See full changelog [here](https://github.com/plaid/plaid-openapi/blob/master/CHANGELOG.md).
 
 # 14.0.0.beta.4
+
 See full changelog [here](https://github.com/plaid/plaid-openapi/blob/master/CHANGELOG.md).
+
 - Remove validation for `maxProperties` due to generator bug.
 
 # 14.0.0.beta.3
+
 Type fixes, see full changelog [here](https://github.com/plaid/plaid-openapi/blob/master/CHANGELOG.md).
 
 # 14.0.0.beta.1
@@ -2284,83 +3019,22 @@ This version represents a transition in how we maintain our external client libr
 
 The minimum required ruby version is 2.4.0.
 
-**Ruby Migration Guide:**
-
-### Client initialization
-From:
-```ruby
-client = Plaid::Client.new(env: :sandbox,
-                            client_id: client_id,
-                            secret: secret)
-```
-
-To:
-```ruby
-configuration = Plaid::Configuration.new
-configuration.server_index = Plaid::Configuration::Environment["sandbox"]
-configuration.api_key["PLAID-CLIENT-ID"] = ENV["PLAID_RUBY_CLIENT_ID"]
-configuration.api_key["PLAID-SECRET"] = ENV["PLAID_RUBY_SECRET"]
-configuration.api_key["Plaid-Version"] = "2020-09-14"
-
-api_client = Plaid::ApiClient.new(
-  configuration
-)
-
-client = Plaid::PlaidApi.new(api_client)
-```
-
-### Endpoints
-All endpoint requests now take a request model and the functions have been renamed to include `_`.
-
-From:
-```ruby
-response = client.auth.get(access_token)
-```
-
-To:
-```ruby
-auth_get_request = Plaid::AuthGetRequest.new
-auth_get_request.access_token = access_token
-
-or
-
-auth_get_request = Plaid::AuthGetRequest.new({:access_token => access_token})
-
-response = client.auth_get(auth_get_request)
-```
-
-### Errors
-
-From:
-```ruby
-begin
-  client.auth.get(auth_get_request)
-rescue Plaid::PlaidAPIError => e
-  raise e if e.error_code != 'PRODUCT_NOT_READY'
-  sleep 1
-end
-```
-
-To:
-```ruby
-begin
-  client.auth_get(auth_get_request)
-rescue Plaid::ApiError => e
-  json_response = JSON.parse(e.response_body)
-  if json_response["error_code"] != "PRODUCT_NOT_READY"
-end
-```
+See the [migration guide](https://github.com/plaid/plaid-java#migration-guide) for instructions on migrating to this version.
 
 # 13.2.0
+
 - Add support for `options` to `/payment_initiation/payment/create`
 
 # 13.1.0
+
 - Add Standing Orders support to Payment Initiation
 
 # 13.0.1
+
 - Add `update_type` to `Item` model.
 
 # 13.0.0
+
 - Add support for providing a payment initiation schedule
 - Add back the (now deprecated) `/item/public_token/create` endpoint
 - Add back the (now deprecated) `/payment_initiation/payment/token/create` endpoint
@@ -2373,13 +3047,13 @@ BREAKING CHANGES:
 
 - The library has been pinned to the '2020-09-14' API release. Visit the [docs](https://plaid.com/docs/api/versioning/) to see what changed.
 - the `/item/public_token/create` endpoint has been disabled in favor of the /link/token/create
-    endpoint
+  endpoint
 - The `/item/add_token/create endpoint` has been disabled in favor of the /link/token/create
 - The `/payment_initiation/payment/token/create` endpoint has been disabled in favor of the /link/token/create
-    endpoint
+  endpoint
 - The `/item/remove` endpoint will no longer return a `removed` boolean.
 - The `/institutions/get`, `/institutions/get_by_id`, and `/institutions/search` now require
-    `country_codes` to be passed in.
+  `country_codes` to be passed in.
 
 # 11.1.0