plaid 29.0.0 → 31.0.0

data/lib/plaid/api/plaid_api.rb

@@ -3,7 +3,7 @@
 
 #The Plaid REST API. Please see https://plaid.com/docs/api for more details.
 
-The version of the OpenAPI document: 2020-09-14_1.525.1
+The version of the OpenAPI document: 2020-09-14_1.556.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0
@@ -836,7 +836,7 @@ module Plaid
     end
 
     # Retrieve auth data
-    # The `/auth/get` endpoint returns the bank account and bank identification numbers (such as routing numbers, for US accounts) associated with an Item's checking and savings accounts, along with high-level account data and balances when available.  Note: This request may take some time to complete if `auth` was not specified as an initial product when creating the Item. This is because Plaid must communicate directly with the institution to retrieve the data.  Versioning note: In API version 2017-03-08, the schema of the `numbers` object returned by this endpoint is substantially different. For details, see [Plaid API versioning](https://plaid.com/docs/api/versioning/#version-2018-05-22).
+    # The `/auth/get` endpoint returns the bank account and bank identification numbers (such as routing numbers, for US accounts) associated with an Item's checking and savings accounts, along with high-level account data and balances when available.  Versioning note: In API version 2017-03-08, the schema of the `numbers` object returned by this endpoint is substantially different. For details, see [Plaid API versioning](https://plaid.com/docs/api/versioning/#version-2018-05-22).
     # @param auth_get_request [AuthGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [AuthGetResponse]
@@ -846,7 +846,7 @@ module Plaid
     end
 
     # Retrieve auth data
-    # The `/auth/get` endpoint returns the bank account and bank identification numbers (such as routing numbers, for US accounts) associated with an Item's checking and savings accounts, along with high-level account data and balances when available.  Note: This request may take some time to complete if `auth` was not specified as an initial product when creating the Item. This is because Plaid must communicate directly with the institution to retrieve the data.  Versioning note: In API version 2017-03-08, the schema of the `numbers` object returned by this endpoint is substantially different. For details, see [Plaid API versioning](https://plaid.com/docs/api/versioning/#version-2018-05-22).
+    # The `/auth/get` endpoint returns the bank account and bank identification numbers (such as routing numbers, for US accounts) associated with an Item's checking and savings accounts, along with high-level account data and balances when available.  Versioning note: In API version 2017-03-08, the schema of the `numbers` object returned by this endpoint is substantially different. For details, see [Plaid API versioning](https://plaid.com/docs/api/versioning/#version-2018-05-22).
     # @param auth_get_request [AuthGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(AuthGetResponse, Integer, Hash)>] AuthGetResponse data, response status code and response headers
@@ -1583,142 +1583,6 @@ module Plaid
       return data, status_code, headers
     end
 
-    # Create a Base Report
-    # This endpoint allows the customer to create a Base Report by passing in a user token. The Base Report will be generated based on the most recently linked item from the user token.
-    # @param base_report_create_request [BaseReportCreateRequest] 
-    # @param [Hash] opts the optional parameters
-    # @return [BaseReportCreateResponse]
-    def base_report_create(base_report_create_request, opts = {})
-      data, _status_code, _headers = base_report_create_with_http_info(base_report_create_request, opts)
-      data
-    end
-
-    # Create a Base Report
-    # This endpoint allows the customer to create a Base Report by passing in a user token. The Base Report will be generated based on the most recently linked item from the user token.
-    # @param base_report_create_request [BaseReportCreateRequest] 
-    # @param [Hash] opts the optional parameters
-    # @return [Array<(BaseReportCreateResponse, Integer, Hash)>] BaseReportCreateResponse data, response status code and response headers
-    def base_report_create_with_http_info(base_report_create_request, opts = {})
-      if @api_client.config.debugging
-        @api_client.config.logger.debug 'Calling API: PlaidApi.base_report_create ...'
-      end
-      # verify the required parameter 'base_report_create_request' is set
-      if @api_client.config.client_side_validation && base_report_create_request.nil?
-        fail ArgumentError, "Missing the required parameter 'base_report_create_request' when calling PlaidApi.base_report_create"
-      end
-      # resource path
-      local_var_path = '/cra/base_report/create'
-
-      # query parameters
-      query_params = opts[:query_params] || {}
-
-      # header parameters
-      header_params = opts[:header_params] || {}
-      # HTTP header 'Accept' (if needed)
-      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
-      # HTTP header 'Content-Type'
-      content_type = @api_client.select_header_content_type(['application/json'])
-      if !content_type.nil?
-          header_params['Content-Type'] = content_type
-      end
-
-      # form parameters
-      form_params = opts[:form_params] || {}
-
-      # http body (model)
-      post_body = opts[:debug_body] || @api_client.object_to_http_body(base_report_create_request)
-
-      # return_type
-      return_type = opts[:debug_return_type] || 'BaseReportCreateResponse'
-
-      # auth_names
-      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
-
-      new_options = opts.merge(
-        :operation => :"PlaidApi.base_report_create",
-        :header_params => header_params,
-        :query_params => query_params,
-        :form_params => form_params,
-        :body => post_body,
-        :auth_names => auth_names,
-        :return_type => return_type
-      )
-
-      data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
-      if @api_client.config.debugging
-        @api_client.config.logger.debug "API called: PlaidApi#base_report_create\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
-      end
-      return data, status_code, headers
-    end
-
-    # Retrieve a Base Report
-    # This endpoint allows the customer to retrieve a Base Report. Customers should pass in the `user_token` created in `/link/token/create`.
-    # @param base_report_get_request [BaseReportGetRequest] 
-    # @param [Hash] opts the optional parameters
-    # @return [BaseReportGetResponse]
-    def base_report_get(base_report_get_request, opts = {})
-      data, _status_code, _headers = base_report_get_with_http_info(base_report_get_request, opts)
-      data
-    end
-
-    # Retrieve a Base Report
-    # This endpoint allows the customer to retrieve a Base Report. Customers should pass in the &#x60;user_token&#x60; created in &#x60;/link/token/create&#x60;.
-    # @param base_report_get_request [BaseReportGetRequest] 
-    # @param [Hash] opts the optional parameters
-    # @return [Array<(BaseReportGetResponse, Integer, Hash)>] BaseReportGetResponse data, response status code and response headers
-    def base_report_get_with_http_info(base_report_get_request, opts = {})
-      if @api_client.config.debugging
-        @api_client.config.logger.debug 'Calling API: PlaidApi.base_report_get ...'
-      end
-      # verify the required parameter 'base_report_get_request' is set
-      if @api_client.config.client_side_validation && base_report_get_request.nil?
-        fail ArgumentError, "Missing the required parameter 'base_report_get_request' when calling PlaidApi.base_report_get"
-      end
-      # resource path
-      local_var_path = '/cra/base_report/get'
-
-      # query parameters
-      query_params = opts[:query_params] || {}
-
-      # header parameters
-      header_params = opts[:header_params] || {}
-      # HTTP header 'Accept' (if needed)
-      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
-      # HTTP header 'Content-Type'
-      content_type = @api_client.select_header_content_type(['application/json'])
-      if !content_type.nil?
-          header_params['Content-Type'] = content_type
-      end
-
-      # form parameters
-      form_params = opts[:form_params] || {}
-
-      # http body (model)
-      post_body = opts[:debug_body] || @api_client.object_to_http_body(base_report_get_request)
-
-      # return_type
-      return_type = opts[:debug_return_type] || 'BaseReportGetResponse'
-
-      # auth_names
-      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
-
-      new_options = opts.merge(
-        :operation => :"PlaidApi.base_report_get",
-        :header_params => header_params,
-        :query_params => query_params,
-        :form_params => form_params,
-        :body => post_body,
-        :auth_names => auth_names,
-        :return_type => return_type
-      )
-
-      data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
-      if @api_client.config.debugging
-        @api_client.config.logger.debug "API called: PlaidApi#base_report_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
-      end
-      return data, status_code, headers
-    end
-
     # Evaluate risk of a bank account
     # Use `/beacon/account_risk/v1/evaluate` to get risk insights for a linked account.
     # @param beacon_account_risk_evaluate_request [BeaconAccountRiskEvaluateRequest] 
@@ -2195,6 +2059,74 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Get Account Insights for a Beacon User
+    # Get Account Insights for all Accounts linked to this Beacon User. The insights for each account are computed based on the information that was last retrieved from the financial institution.
+    # @param beacon_user_account_insights_get_request [BeaconUserAccountInsightsGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [BeaconUserAccountInsightsGetResponse]
+    def beacon_user_account_insights_get(beacon_user_account_insights_get_request, opts = {})
+      data, _status_code, _headers = beacon_user_account_insights_get_with_http_info(beacon_user_account_insights_get_request, opts)
+      data
+    end
+
+    # Get Account Insights for a Beacon User
+    # Get Account Insights for all Accounts linked to this Beacon User. The insights for each account are computed based on the information that was last retrieved from the financial institution.
+    # @param beacon_user_account_insights_get_request [BeaconUserAccountInsightsGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(BeaconUserAccountInsightsGetResponse, Integer, Hash)>] BeaconUserAccountInsightsGetResponse data, response status code and response headers
+    def beacon_user_account_insights_get_with_http_info(beacon_user_account_insights_get_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.beacon_user_account_insights_get ...'
+      end
+      # verify the required parameter 'beacon_user_account_insights_get_request' is set
+      if @api_client.config.client_side_validation && beacon_user_account_insights_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'beacon_user_account_insights_get_request' when calling PlaidApi.beacon_user_account_insights_get"
+      end
+      # resource path
+      local_var_path = '/beacon/user/account_insights/get'
+
+      # query parameters
+      query_params = opts[:query_params] || {}
+
+      # header parameters
+      header_params = opts[:header_params] || {}
+      # HTTP header 'Accept' (if needed)
+      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
+      # HTTP header 'Content-Type'
+      content_type = @api_client.select_header_content_type(['application/json'])
+      if !content_type.nil?
+          header_params['Content-Type'] = content_type
+      end
+
+      # form parameters
+      form_params = opts[:form_params] || {}
+
+      # http body (model)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(beacon_user_account_insights_get_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'BeaconUserAccountInsightsGetResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.beacon_user_account_insights_get",
+        :header_params => header_params,
+        :query_params => query_params,
+        :form_params => form_params,
+        :body => post_body,
+        :auth_names => auth_names,
+        :return_type => return_type
+      )
+
+      data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
+      if @api_client.config.debugging
+        @api_client.config.logger.debug "API called: PlaidApi#beacon_user_account_insights_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
     # Create a Beacon User
     # Create and scan a Beacon User against your Beacon Program, according to your program's settings.  When you submit a new user to `/beacon/user/create`, several checks are performed immediately:    - The user's PII (provided within the `user` object) is searched against all other users within the Beacon Program you specified. If a match is found that violates your program's \"Duplicate Information Filtering\" settings, the user will be returned with a status of `pending_review`.    - The user's PII is also searched against all fraud reports created by your organization across all of your Beacon Programs. If the user's data matches a fraud report that your team created, the user will be returned with a status of `rejected`.    - Finally, the user's PII is searched against all fraud report shared with the Beacon Network by other companies. If a matching fraud report is found, the user will be returned with a `pending_review` status if your program has enabled automatic flagging based on network fraud.
     # @param beacon_user_create_request [BeaconUserCreateRequest] 
@@ -2468,7 +2400,7 @@ module Plaid
     end
 
     # Update the identity data of a Beacon User
-    # Update the identity data for a Beacon User in your Beacon Program.  Similar to `/beacon/user/create`, several checks are performed immediately when you submit a change to `/beacon/user/update`:    - The user's updated PII is searched against all other users within the Beacon Program you specified. If a match is found that violates your program's \"Duplicate Information Filtering\" settings, the user will be returned with a status of `pending_review`.    - The user's updated PII is also searched against all fraud reports created by your organization across all of your Beacon Programs. If the user's data matches a fraud report that your team created, the user will be returned with a status of `rejected`.    - Finally, the user's PII is searched against all fraud report shared with the Beacon Network by other companies. If a matching fraud report is found, the user will be returned with a `pending_review` status if your program has enabled automatic flagging based on network fraud.  Plaid maintains a version history for each Beacon User, so the Beacon User's identity data before and after the update is retained as separate versions.
+    # Update the identity data for a Beacon User in your Beacon Program or add new accounts to the Beacon User.  Similar to `/beacon/user/create`, several checks are performed immediately when you submit an identity data change to `/beacon/user/update`:    - The user's updated PII is searched against all other users within the Beacon Program you specified. If a match is found that violates your program's \"Duplicate Information Filtering\" settings, the user will be returned with a status of `pending_review`.    - The user's updated PII is also searched against all fraud reports created by your organization across all of your Beacon Programs. If the user's data matches a fraud report that your team created, the user will be returned with a status of `rejected`.    - Finally, the user's PII is searched against all fraud report shared with the Beacon Network by other companies. If a matching fraud report is found, the user will be returned with a `pending_review` status if your program has enabled automatic flagging based on network fraud.  Plaid maintains a version history for each Beacon User, so the Beacon User's identity data before and after the update is retained as separate versions.
     # @param beacon_user_update_request [BeaconUserUpdateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [BeaconUserUpdateResponse]
@@ -2478,7 +2410,7 @@ module Plaid
     end
 
     # Update the identity data of a Beacon User
-    # Update the identity data for a Beacon User in your Beacon Program.  Similar to &#x60;/beacon/user/create&#x60;, several checks are performed immediately when you submit a change to &#x60;/beacon/user/update&#x60;:    - The user&#39;s updated PII is searched against all other users within the Beacon Program you specified. If a match is found that violates your program&#39;s \&quot;Duplicate Information Filtering\&quot; settings, the user will be returned with a status of &#x60;pending_review&#x60;.    - The user&#39;s updated PII is also searched against all fraud reports created by your organization across all of your Beacon Programs. If the user&#39;s data matches a fraud report that your team created, the user will be returned with a status of &#x60;rejected&#x60;.    - Finally, the user&#39;s PII is searched against all fraud report shared with the Beacon Network by other companies. If a matching fraud report is found, the user will be returned with a &#x60;pending_review&#x60; status if your program has enabled automatic flagging based on network fraud.  Plaid maintains a version history for each Beacon User, so the Beacon User&#39;s identity data before and after the update is retained as separate versions.
+    # Update the identity data for a Beacon User in your Beacon Program or add new accounts to the Beacon User.  Similar to &#x60;/beacon/user/create&#x60;, several checks are performed immediately when you submit an identity data change to &#x60;/beacon/user/update&#x60;:    - The user&#39;s updated PII is searched against all other users within the Beacon Program you specified. If a match is found that violates your program&#39;s \&quot;Duplicate Information Filtering\&quot; settings, the user will be returned with a status of &#x60;pending_review&#x60;.    - The user&#39;s updated PII is also searched against all fraud reports created by your organization across all of your Beacon Programs. If the user&#39;s data matches a fraud report that your team created, the user will be returned with a status of &#x60;rejected&#x60;.    - Finally, the user&#39;s PII is searched against all fraud report shared with the Beacon Network by other companies. If a matching fraud report is found, the user will be returned with a &#x60;pending_review&#x60; status if your program has enabled automatic flagging based on network fraud.  Plaid maintains a version history for each Beacon User, so the Beacon User&#39;s identity data before and after the update is retained as separate versions.
     # @param beacon_user_update_request [BeaconUserUpdateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(BeaconUserUpdateResponse, Integer, Hash)>] BeaconUserUpdateResponse data, response status code and response headers
@@ -2807,6 +2739,142 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Create a Base Report
+    # This endpoint allows the customer to create a Base Report by passing in a user token. The Base Report will be generated based on the most recently linked item from the user token.
+    # @param cra_base_report_create_request [CraBaseReportCreateRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [CraBaseReportCreateResponse]
+    def cra_base_report_create(cra_base_report_create_request, opts = {})
+      data, _status_code, _headers = cra_base_report_create_with_http_info(cra_base_report_create_request, opts)
+      data
+    end
+
+    # Create a Base Report
+    # This endpoint allows the customer to create a Base Report by passing in a user token. The Base Report will be generated based on the most recently linked item from the user token.
+    # @param cra_base_report_create_request [CraBaseReportCreateRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(CraBaseReportCreateResponse, Integer, Hash)>] CraBaseReportCreateResponse data, response status code and response headers
+    def cra_base_report_create_with_http_info(cra_base_report_create_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.cra_base_report_create ...'
+      end
+      # verify the required parameter 'cra_base_report_create_request' is set
+      if @api_client.config.client_side_validation && cra_base_report_create_request.nil?
+        fail ArgumentError, "Missing the required parameter 'cra_base_report_create_request' when calling PlaidApi.cra_base_report_create"
+      end
+      # resource path
+      local_var_path = '/cra/base_report/create'
+
+      # query parameters
+      query_params = opts[:query_params] || {}
+
+      # header parameters
+      header_params = opts[:header_params] || {}
+      # HTTP header 'Accept' (if needed)
+      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
+      # HTTP header 'Content-Type'
+      content_type = @api_client.select_header_content_type(['application/json'])
+      if !content_type.nil?
+          header_params['Content-Type'] = content_type
+      end
+
+      # form parameters
+      form_params = opts[:form_params] || {}
+
+      # http body (model)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(cra_base_report_create_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'CraBaseReportCreateResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.cra_base_report_create",
+        :header_params => header_params,
+        :query_params => query_params,
+        :form_params => form_params,
+        :body => post_body,
+        :auth_names => auth_names,
+        :return_type => return_type
+      )
+
+      data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
+      if @api_client.config.debugging
+        @api_client.config.logger.debug "API called: PlaidApi#cra_base_report_create\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
+    # Retrieve a Base Report
+    # This endpoint allows the customer to retrieve a Base Report. Customers should pass in the `user_token` created in `/user/create`.
+    # @param cra_base_report_get_request [CraBaseReportGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [CraBaseReportGetResponse]
+    def cra_base_report_get(cra_base_report_get_request, opts = {})
+      data, _status_code, _headers = cra_base_report_get_with_http_info(cra_base_report_get_request, opts)
+      data
+    end
+
+    # Retrieve a Base Report
+    # This endpoint allows the customer to retrieve a Base Report. Customers should pass in the &#x60;user_token&#x60; created in &#x60;/user/create&#x60;.
+    # @param cra_base_report_get_request [CraBaseReportGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(CraBaseReportGetResponse, Integer, Hash)>] CraBaseReportGetResponse data, response status code and response headers
+    def cra_base_report_get_with_http_info(cra_base_report_get_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.cra_base_report_get ...'
+      end
+      # verify the required parameter 'cra_base_report_get_request' is set
+      if @api_client.config.client_side_validation && cra_base_report_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'cra_base_report_get_request' when calling PlaidApi.cra_base_report_get"
+      end
+      # resource path
+      local_var_path = '/cra/base_report/get'
+
+      # query parameters
+      query_params = opts[:query_params] || {}
+
+      # header parameters
+      header_params = opts[:header_params] || {}
+      # HTTP header 'Accept' (if needed)
+      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
+      # HTTP header 'Content-Type'
+      content_type = @api_client.select_header_content_type(['application/json'])
+      if !content_type.nil?
+          header_params['Content-Type'] = content_type
+      end
+
+      # form parameters
+      form_params = opts[:form_params] || {}
+
+      # http body (model)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(cra_base_report_get_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'CraBaseReportGetResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.cra_base_report_get",
+        :header_params => header_params,
+        :query_params => query_params,
+        :form_params => form_params,
+        :body => post_body,
+        :auth_names => auth_names,
+        :return_type => return_type
+      )
+
+      data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
+      if @api_client.config.debugging
+        @api_client.config.logger.debug "API called: PlaidApi#cra_base_report_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
     # Retrieve a Base Report
     # This endpoint allows you to retrieve the Base Report for your user, allowing you to receive comprehensive bank account and cash flow data. You should call this endpoint after you've received a `CHECK_REPORT_READY` webhook, either after the Link session for the user or after calling `/cra/check_report/create`. If the most recent consumer report for the user doesn't have sufficient data to generate the base report, or the consumer report has expired, you will receive an error indicating that you should create a new consumer report by calling `/cra/check_report/create`.
     # @param cra_check_report_base_report_get_request [CraCheckReportBaseReportGetRequest] 
@@ -3011,8 +3079,76 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Retrieve network attributes for the user
+    # This endpoint allows you to retrieve the Network Insights product for your user. You should call this endpoint after you've received the `CHECK_REPORT_READY` webhook, either after the Link session for the user or after calling `/cra/check_report/create`. If the most recent consumer report for the user doesn’t have sufficient data to generate the report, or the consumer report has expired, you will receive an error indicating that you should create a new consumer report by calling `/cra/check_report/create`.  If you did not initialize Link with the `cra_network_attributes` product or have generated a report using `/cra/check_report/create`, we will generate the attributes when you call this endpoint.
+    # @param cra_check_report_network_insights_get_request [CraCheckReportNetworkInsightsGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [CraCheckReportNetworkInsightsGetResponse]
+    def cra_check_report_network_insights_get(cra_check_report_network_insights_get_request, opts = {})
+      data, _status_code, _headers = cra_check_report_network_insights_get_with_http_info(cra_check_report_network_insights_get_request, opts)
+      data
+    end
+
+    # Retrieve network attributes for the user
+    # This endpoint allows you to retrieve the Network Insights product for your user. You should call this endpoint after you&#39;ve received the &#x60;CHECK_REPORT_READY&#x60; webhook, either after the Link session for the user or after calling &#x60;/cra/check_report/create&#x60;. If the most recent consumer report for the user doesn’t have sufficient data to generate the report, or the consumer report has expired, you will receive an error indicating that you should create a new consumer report by calling &#x60;/cra/check_report/create&#x60;.  If you did not initialize Link with the &#x60;cra_network_attributes&#x60; product or have generated a report using &#x60;/cra/check_report/create&#x60;, we will generate the attributes when you call this endpoint.
+    # @param cra_check_report_network_insights_get_request [CraCheckReportNetworkInsightsGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(CraCheckReportNetworkInsightsGetResponse, Integer, Hash)>] CraCheckReportNetworkInsightsGetResponse data, response status code and response headers
+    def cra_check_report_network_insights_get_with_http_info(cra_check_report_network_insights_get_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.cra_check_report_network_insights_get ...'
+      end
+      # verify the required parameter 'cra_check_report_network_insights_get_request' is set
+      if @api_client.config.client_side_validation && cra_check_report_network_insights_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'cra_check_report_network_insights_get_request' when calling PlaidApi.cra_check_report_network_insights_get"
+      end
+      # resource path
+      local_var_path = '/cra/check_report/network_insights/get'
+
+      # query parameters
+      query_params = opts[:query_params] || {}
+
+      # header parameters
+      header_params = opts[:header_params] || {}
+      # HTTP header 'Accept' (if needed)
+      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
+      # HTTP header 'Content-Type'
+      content_type = @api_client.select_header_content_type(['application/json'])
+      if !content_type.nil?
+          header_params['Content-Type'] = content_type
+      end
+
+      # form parameters
+      form_params = opts[:form_params] || {}
+
+      # http body (model)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(cra_check_report_network_insights_get_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'CraCheckReportNetworkInsightsGetResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.cra_check_report_network_insights_get",
+        :header_params => header_params,
+        :query_params => query_params,
+        :form_params => form_params,
+        :body => post_body,
+        :auth_names => auth_names,
+        :return_type => return_type
+      )
+
+      data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
+      if @api_client.config.debugging
+        @api_client.config.logger.debug "API called: PlaidApi#cra_check_report_network_insights_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
     # Retrieve cash flow insights from partners
-    # This endpoint allows you to retrieve the Partner Insights product for your user. You should call this endpoint after you've received the `CHECK_REPORT_READY` webhook, either after the Link session for the user or after calling `/cra/check_report/create`. If the most recent consumer report for the user doesn’t have sufficient data to generate the base report, or the consumer report has expired, you will receive an error indicating that you should create a new consumer report by calling `/cra/check_report/create`.  If you did not initialize Link with the `credit_partner_insights` product or have generated a report using `/cra/check_report/create`, we will call our partners to generate the insights when you call this endpoint. In this case, you may optionally provide parameters under `options` to configure which insights you want to receive.
+    # This endpoint allows you to retrieve the Partner Insights report for your user. You should call this endpoint after you've received the `CHECK_REPORT_READY` webhook, either after the Link session for the user or after calling `/cra/check_report/create`. If the most recent consumer report for the user doesn’t have sufficient data to generate the base report, or the consumer report has expired, you will receive an error indicating that you should create a new consumer report by calling `/cra/check_report/create`.  If you did not initialize Link with the `credit_partner_insights` product or have generated a report using `/cra/check_report/create`, we will call our partners to generate the insights when you call this endpoint. In this case, you may optionally provide parameters under `options` to configure which insights you want to receive.
     # @param cra_check_report_partner_insights_get_request [CraCheckReportPartnerInsightsGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [CraCheckReportPartnerInsightsGetResponse]
@@ -3022,7 +3158,7 @@ module Plaid
     end
 
     # Retrieve cash flow insights from partners
-    # This endpoint allows you to retrieve the Partner Insights product for your user. You should call this endpoint after you&#39;ve received the &#x60;CHECK_REPORT_READY&#x60; webhook, either after the Link session for the user or after calling &#x60;/cra/check_report/create&#x60;. If the most recent consumer report for the user doesn’t have sufficient data to generate the base report, or the consumer report has expired, you will receive an error indicating that you should create a new consumer report by calling &#x60;/cra/check_report/create&#x60;.  If you did not initialize Link with the &#x60;credit_partner_insights&#x60; product or have generated a report using &#x60;/cra/check_report/create&#x60;, we will call our partners to generate the insights when you call this endpoint. In this case, you may optionally provide parameters under &#x60;options&#x60; to configure which insights you want to receive.
+    # This endpoint allows you to retrieve the Partner Insights report for your user. You should call this endpoint after you&#39;ve received the &#x60;CHECK_REPORT_READY&#x60; webhook, either after the Link session for the user or after calling &#x60;/cra/check_report/create&#x60;. If the most recent consumer report for the user doesn’t have sufficient data to generate the base report, or the consumer report has expired, you will receive an error indicating that you should create a new consumer report by calling &#x60;/cra/check_report/create&#x60;.  If you did not initialize Link with the &#x60;credit_partner_insights&#x60; product or have generated a report using &#x60;/cra/check_report/create&#x60;, we will call our partners to generate the insights when you call this endpoint. In this case, you may optionally provide parameters under &#x60;options&#x60; to configure which insights you want to receive.
     # @param cra_check_report_partner_insights_get_request [CraCheckReportPartnerInsightsGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(CraCheckReportPartnerInsightsGetResponse, Integer, Hash)>] CraCheckReportPartnerInsightsGetResponse data, response status code and response headers
@@ -3079,8 +3215,8 @@ module Plaid
       return data, status_code, headers
     end
 
-    # Retrieve the most recent Base Report in PDF format. You can also include other reports in the same PDF if you specify `add_ons`.
-    # `/cra/check_report/pdf/get` retrieve the most recent Bank Income report (if it exists) followed by the most recent Base Report (if it exists) in PDF format
+    # Retrieve Consumer Reports as a PDF
+    # `/cra/check_report/pdf/get` retrieves the most recent Bank Income report (if it exists) followed by the most recent Base Report (if it exists) in PDF format.
     # @param cra_check_report_pdf_get_request [CraCheckReportPDFGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [File]
@@ -3089,8 +3225,8 @@ module Plaid
       data
     end
 
-    # Retrieve the most recent Base Report in PDF format. You can also include other reports in the same PDF if you specify &#x60;add_ons&#x60;.
-    # &#x60;/cra/check_report/pdf/get&#x60; retrieve the most recent Bank Income report (if it exists) followed by the most recent Base Report (if it exists) in PDF format
+    # Retrieve Consumer Reports as a PDF
+    # &#x60;/cra/check_report/pdf/get&#x60; retrieves the most recent Bank Income report (if it exists) followed by the most recent Base Report (if it exists) in PDF format.
     # @param cra_check_report_pdf_get_request [CraCheckReportPDFGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(File, Integer, Hash)>] File data, response status code and response headers
@@ -3219,27 +3355,231 @@ module Plaid
     # `/cra/loans/register` registers a list of loans to their applicants.
     # @param cra_loans_register_request [CRALoansRegisterRequest] 
     # @param [Hash] opts the optional parameters
-    # @return [CraLoansRegisterResponse]
-    def cra_loans_register(cra_loans_register_request, opts = {})
-      data, _status_code, _headers = cra_loans_register_with_http_info(cra_loans_register_request, opts)
+    # @return [CraLoansRegisterResponse]
+    def cra_loans_register(cra_loans_register_request, opts = {})
+      data, _status_code, _headers = cra_loans_register_with_http_info(cra_loans_register_request, opts)
+      data
+    end
+
+    # Register a list of loans to their applicants.
+    # &#x60;/cra/loans/register&#x60; registers a list of loans to their applicants.
+    # @param cra_loans_register_request [CRALoansRegisterRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(CraLoansRegisterResponse, Integer, Hash)>] CraLoansRegisterResponse data, response status code and response headers
+    def cra_loans_register_with_http_info(cra_loans_register_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.cra_loans_register ...'
+      end
+      # verify the required parameter 'cra_loans_register_request' is set
+      if @api_client.config.client_side_validation && cra_loans_register_request.nil?
+        fail ArgumentError, "Missing the required parameter 'cra_loans_register_request' when calling PlaidApi.cra_loans_register"
+      end
+      # resource path
+      local_var_path = '/cra/loans/register'
+
+      # query parameters
+      query_params = opts[:query_params] || {}
+
+      # header parameters
+      header_params = opts[:header_params] || {}
+      # HTTP header 'Accept' (if needed)
+      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
+      # HTTP header 'Content-Type'
+      content_type = @api_client.select_header_content_type(['application/json'])
+      if !content_type.nil?
+          header_params['Content-Type'] = content_type
+      end
+
+      # form parameters
+      form_params = opts[:form_params] || {}
+
+      # http body (model)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(cra_loans_register_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'CraLoansRegisterResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.cra_loans_register",
+        :header_params => header_params,
+        :query_params => query_params,
+        :form_params => form_params,
+        :body => post_body,
+        :auth_names => auth_names,
+        :return_type => return_type
+      )
+
+      data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
+      if @api_client.config.debugging
+        @api_client.config.logger.debug "API called: PlaidApi#cra_loans_register\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
+    # Unregister a list of loans.
+    # `/cra/loans/unregister` indicates the loans have reached a final status and no further updates are expected.
+    # @param cra_loans_unregister_request [CraLoansUnregisterRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [CraLoanUnregisterResponse]
+    def cra_loans_unregister(cra_loans_unregister_request, opts = {})
+      data, _status_code, _headers = cra_loans_unregister_with_http_info(cra_loans_unregister_request, opts)
+      data
+    end
+
+    # Unregister a list of loans.
+    # &#x60;/cra/loans/unregister&#x60; indicates the loans have reached a final status and no further updates are expected.
+    # @param cra_loans_unregister_request [CraLoansUnregisterRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(CraLoanUnregisterResponse, Integer, Hash)>] CraLoanUnregisterResponse data, response status code and response headers
+    def cra_loans_unregister_with_http_info(cra_loans_unregister_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.cra_loans_unregister ...'
+      end
+      # verify the required parameter 'cra_loans_unregister_request' is set
+      if @api_client.config.client_side_validation && cra_loans_unregister_request.nil?
+        fail ArgumentError, "Missing the required parameter 'cra_loans_unregister_request' when calling PlaidApi.cra_loans_unregister"
+      end
+      # resource path
+      local_var_path = '/cra/loans/unregister'
+
+      # query parameters
+      query_params = opts[:query_params] || {}
+
+      # header parameters
+      header_params = opts[:header_params] || {}
+      # HTTP header 'Accept' (if needed)
+      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
+      # HTTP header 'Content-Type'
+      content_type = @api_client.select_header_content_type(['application/json'])
+      if !content_type.nil?
+          header_params['Content-Type'] = content_type
+      end
+
+      # form parameters
+      form_params = opts[:form_params] || {}
+
+      # http body (model)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(cra_loans_unregister_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'CraLoanUnregisterResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.cra_loans_unregister",
+        :header_params => header_params,
+        :query_params => query_params,
+        :form_params => form_params,
+        :body => post_body,
+        :auth_names => auth_names,
+        :return_type => return_type
+      )
+
+      data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
+      if @api_client.config.debugging
+        @api_client.config.logger.debug "API called: PlaidApi#cra_loans_unregister\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
+    # Updates loan data.
+    # `/cra/loans/update` updates loan information such as the status and payment history.
+    # @param cra_loans_update_request [CraLoansUpdateRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [CraLoansUpdateResponse]
+    def cra_loans_update(cra_loans_update_request, opts = {})
+      data, _status_code, _headers = cra_loans_update_with_http_info(cra_loans_update_request, opts)
+      data
+    end
+
+    # Updates loan data.
+    # &#x60;/cra/loans/update&#x60; updates loan information such as the status and payment history.
+    # @param cra_loans_update_request [CraLoansUpdateRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(CraLoansUpdateResponse, Integer, Hash)>] CraLoansUpdateResponse data, response status code and response headers
+    def cra_loans_update_with_http_info(cra_loans_update_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.cra_loans_update ...'
+      end
+      # verify the required parameter 'cra_loans_update_request' is set
+      if @api_client.config.client_side_validation && cra_loans_update_request.nil?
+        fail ArgumentError, "Missing the required parameter 'cra_loans_update_request' when calling PlaidApi.cra_loans_update"
+      end
+      # resource path
+      local_var_path = '/cra/loans/update'
+
+      # query parameters
+      query_params = opts[:query_params] || {}
+
+      # header parameters
+      header_params = opts[:header_params] || {}
+      # HTTP header 'Accept' (if needed)
+      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
+      # HTTP header 'Content-Type'
+      content_type = @api_client.select_header_content_type(['application/json'])
+      if !content_type.nil?
+          header_params['Content-Type'] = content_type
+      end
+
+      # form parameters
+      form_params = opts[:form_params] || {}
+
+      # http body (model)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(cra_loans_update_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'CraLoansUpdateResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.cra_loans_update",
+        :header_params => header_params,
+        :query_params => query_params,
+        :form_params => form_params,
+        :body => post_body,
+        :auth_names => auth_names,
+        :return_type => return_type
+      )
+
+      data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
+      if @api_client.config.debugging
+        @api_client.config.logger.debug "API called: PlaidApi#cra_loans_update\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
+    # Retrieve a Monitoring Insights Report
+    # This endpoint allows you to retrieve a Monitoring Insights report by passing in the `user_token` referred to in the webhook you received.
+    # @param cra_monitoring_insights_get_request [CraMonitoringInsightsGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [CraMonitoringInsightsGetResponse]
+    def cra_monitoring_insights_get(cra_monitoring_insights_get_request, opts = {})
+      data, _status_code, _headers = cra_monitoring_insights_get_with_http_info(cra_monitoring_insights_get_request, opts)
       data
     end
 
-    # Register a list of loans to their applicants.
-    # &#x60;/cra/loans/register&#x60; registers a list of loans to their applicants.
-    # @param cra_loans_register_request [CRALoansRegisterRequest] 
+    # Retrieve a Monitoring Insights Report
+    # This endpoint allows you to retrieve a Monitoring Insights report by passing in the &#x60;user_token&#x60; referred to in the webhook you received.
+    # @param cra_monitoring_insights_get_request [CraMonitoringInsightsGetRequest] 
     # @param [Hash] opts the optional parameters
-    # @return [Array<(CraLoansRegisterResponse, Integer, Hash)>] CraLoansRegisterResponse data, response status code and response headers
-    def cra_loans_register_with_http_info(cra_loans_register_request, opts = {})
+    # @return [Array<(CraMonitoringInsightsGetResponse, Integer, Hash)>] CraMonitoringInsightsGetResponse data, response status code and response headers
+    def cra_monitoring_insights_get_with_http_info(cra_monitoring_insights_get_request, opts = {})
       if @api_client.config.debugging
-        @api_client.config.logger.debug 'Calling API: PlaidApi.cra_loans_register ...'
+        @api_client.config.logger.debug 'Calling API: PlaidApi.cra_monitoring_insights_get ...'
       end
-      # verify the required parameter 'cra_loans_register_request' is set
-      if @api_client.config.client_side_validation && cra_loans_register_request.nil?
-        fail ArgumentError, "Missing the required parameter 'cra_loans_register_request' when calling PlaidApi.cra_loans_register"
+      # verify the required parameter 'cra_monitoring_insights_get_request' is set
+      if @api_client.config.client_side_validation && cra_monitoring_insights_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'cra_monitoring_insights_get_request' when calling PlaidApi.cra_monitoring_insights_get"
       end
       # resource path
-      local_var_path = '/cra/loans/register'
+      local_var_path = '/cra/monitoring_insights/get'
 
       # query parameters
       query_params = opts[:query_params] || {}
@@ -3258,16 +3598,16 @@ module Plaid
       form_params = opts[:form_params] || {}
 
       # http body (model)
-      post_body = opts[:debug_body] || @api_client.object_to_http_body(cra_loans_register_request)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(cra_monitoring_insights_get_request)
 
       # return_type
-      return_type = opts[:debug_return_type] || 'CraLoansRegisterResponse'
+      return_type = opts[:debug_return_type] || 'CraMonitoringInsightsGetResponse'
 
       # auth_names
       auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
 
       new_options = opts.merge(
-        :operation => :"PlaidApi.cra_loans_register",
+        :operation => :"PlaidApi.cra_monitoring_insights_get",
         :header_params => header_params,
         :query_params => query_params,
         :form_params => form_params,
@@ -3278,36 +3618,36 @@ module Plaid
 
       data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
       if @api_client.config.debugging
-        @api_client.config.logger.debug "API called: PlaidApi#cra_loans_register\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+        @api_client.config.logger.debug "API called: PlaidApi#cra_monitoring_insights_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
       end
       return data, status_code, headers
     end
 
-    # Unregister a list of loans.
-    # `/cra/loans/unregister` indicates the loans have reached a final status and no further updates are expected.
-    # @param cra_loans_unregister_request [CraLoansUnregisterRequest] 
+    # Subscribe to Monitoring Insights
+    # This endpoint allows you to subscribe to insights for a user's linked CRA items, which are updated every 14 days.
+    # @param cra_monitoring_insights_subscribe_request [CraMonitoringInsightsSubscribeRequest] 
     # @param [Hash] opts the optional parameters
-    # @return [CraLoanUnregisterResponse]
-    def cra_loans_unregister(cra_loans_unregister_request, opts = {})
-      data, _status_code, _headers = cra_loans_unregister_with_http_info(cra_loans_unregister_request, opts)
+    # @return [CraMonitoringInsightsSubscribeResponse]
+    def cra_monitoring_insights_subscribe(cra_monitoring_insights_subscribe_request, opts = {})
+      data, _status_code, _headers = cra_monitoring_insights_subscribe_with_http_info(cra_monitoring_insights_subscribe_request, opts)
       data
     end
 
-    # Unregister a list of loans.
-    # &#x60;/cra/loans/unregister&#x60; indicates the loans have reached a final status and no further updates are expected.
-    # @param cra_loans_unregister_request [CraLoansUnregisterRequest] 
+    # Subscribe to Monitoring Insights
+    # This endpoint allows you to subscribe to insights for a user&#39;s linked CRA items, which are updated every 14 days.
+    # @param cra_monitoring_insights_subscribe_request [CraMonitoringInsightsSubscribeRequest] 
     # @param [Hash] opts the optional parameters
-    # @return [Array<(CraLoanUnregisterResponse, Integer, Hash)>] CraLoanUnregisterResponse data, response status code and response headers
-    def cra_loans_unregister_with_http_info(cra_loans_unregister_request, opts = {})
+    # @return [Array<(CraMonitoringInsightsSubscribeResponse, Integer, Hash)>] CraMonitoringInsightsSubscribeResponse data, response status code and response headers
+    def cra_monitoring_insights_subscribe_with_http_info(cra_monitoring_insights_subscribe_request, opts = {})
       if @api_client.config.debugging
-        @api_client.config.logger.debug 'Calling API: PlaidApi.cra_loans_unregister ...'
+        @api_client.config.logger.debug 'Calling API: PlaidApi.cra_monitoring_insights_subscribe ...'
       end
-      # verify the required parameter 'cra_loans_unregister_request' is set
-      if @api_client.config.client_side_validation && cra_loans_unregister_request.nil?
-        fail ArgumentError, "Missing the required parameter 'cra_loans_unregister_request' when calling PlaidApi.cra_loans_unregister"
+      # verify the required parameter 'cra_monitoring_insights_subscribe_request' is set
+      if @api_client.config.client_side_validation && cra_monitoring_insights_subscribe_request.nil?
+        fail ArgumentError, "Missing the required parameter 'cra_monitoring_insights_subscribe_request' when calling PlaidApi.cra_monitoring_insights_subscribe"
       end
       # resource path
-      local_var_path = '/cra/loans/unregister'
+      local_var_path = '/cra/monitoring_insights/subscribe'
 
       # query parameters
       query_params = opts[:query_params] || {}
@@ -3326,16 +3666,16 @@ module Plaid
       form_params = opts[:form_params] || {}
 
       # http body (model)
-      post_body = opts[:debug_body] || @api_client.object_to_http_body(cra_loans_unregister_request)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(cra_monitoring_insights_subscribe_request)
 
       # return_type
-      return_type = opts[:debug_return_type] || 'CraLoanUnregisterResponse'
+      return_type = opts[:debug_return_type] || 'CraMonitoringInsightsSubscribeResponse'
 
       # auth_names
       auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
 
       new_options = opts.merge(
-        :operation => :"PlaidApi.cra_loans_unregister",
+        :operation => :"PlaidApi.cra_monitoring_insights_subscribe",
         :header_params => header_params,
         :query_params => query_params,
         :form_params => form_params,
@@ -3346,36 +3686,36 @@ module Plaid
 
       data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
       if @api_client.config.debugging
-        @api_client.config.logger.debug "API called: PlaidApi#cra_loans_unregister\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+        @api_client.config.logger.debug "API called: PlaidApi#cra_monitoring_insights_subscribe\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
       end
       return data, status_code, headers
     end
 
-    # Updates loan data.
-    # `/cra/loans/update` updates loan information such as the status and payment history.
-    # @param cra_loans_update_request [CraLoansUpdateRequest] 
+    # Unsubscribe from Monitoring Insights
+    # This endpoint allows you to unsubscribe from previously subscribed Monitoring Insights.
+    # @param cra_monitoring_insights_unsubscribe_request [CraMonitoringInsightsUnsubscribeRequest] 
     # @param [Hash] opts the optional parameters
-    # @return [CraLoansUpdateResponse]
-    def cra_loans_update(cra_loans_update_request, opts = {})
-      data, _status_code, _headers = cra_loans_update_with_http_info(cra_loans_update_request, opts)
+    # @return [CraMonitoringInsightsUnsubscribeResponse]
+    def cra_monitoring_insights_unsubscribe(cra_monitoring_insights_unsubscribe_request, opts = {})
+      data, _status_code, _headers = cra_monitoring_insights_unsubscribe_with_http_info(cra_monitoring_insights_unsubscribe_request, opts)
       data
     end
 
-    # Updates loan data.
-    # &#x60;/cra/loans/update&#x60; updates loan information such as the status and payment history.
-    # @param cra_loans_update_request [CraLoansUpdateRequest] 
+    # Unsubscribe from Monitoring Insights
+    # This endpoint allows you to unsubscribe from previously subscribed Monitoring Insights.
+    # @param cra_monitoring_insights_unsubscribe_request [CraMonitoringInsightsUnsubscribeRequest] 
     # @param [Hash] opts the optional parameters
-    # @return [Array<(CraLoansUpdateResponse, Integer, Hash)>] CraLoansUpdateResponse data, response status code and response headers
-    def cra_loans_update_with_http_info(cra_loans_update_request, opts = {})
+    # @return [Array<(CraMonitoringInsightsUnsubscribeResponse, Integer, Hash)>] CraMonitoringInsightsUnsubscribeResponse data, response status code and response headers
+    def cra_monitoring_insights_unsubscribe_with_http_info(cra_monitoring_insights_unsubscribe_request, opts = {})
       if @api_client.config.debugging
-        @api_client.config.logger.debug 'Calling API: PlaidApi.cra_loans_update ...'
+        @api_client.config.logger.debug 'Calling API: PlaidApi.cra_monitoring_insights_unsubscribe ...'
       end
-      # verify the required parameter 'cra_loans_update_request' is set
-      if @api_client.config.client_side_validation && cra_loans_update_request.nil?
-        fail ArgumentError, "Missing the required parameter 'cra_loans_update_request' when calling PlaidApi.cra_loans_update"
+      # verify the required parameter 'cra_monitoring_insights_unsubscribe_request' is set
+      if @api_client.config.client_side_validation && cra_monitoring_insights_unsubscribe_request.nil?
+        fail ArgumentError, "Missing the required parameter 'cra_monitoring_insights_unsubscribe_request' when calling PlaidApi.cra_monitoring_insights_unsubscribe"
       end
       # resource path
-      local_var_path = '/cra/loans/update'
+      local_var_path = '/cra/monitoring_insights/unsubscribe'
 
       # query parameters
       query_params = opts[:query_params] || {}
@@ -3394,16 +3734,16 @@ module Plaid
       form_params = opts[:form_params] || {}
 
       # http body (model)
-      post_body = opts[:debug_body] || @api_client.object_to_http_body(cra_loans_update_request)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(cra_monitoring_insights_unsubscribe_request)
 
       # return_type
-      return_type = opts[:debug_return_type] || 'CraLoansUpdateResponse'
+      return_type = opts[:debug_return_type] || 'CraMonitoringInsightsUnsubscribeResponse'
 
       # auth_names
       auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
 
       new_options = opts.merge(
-        :operation => :"PlaidApi.cra_loans_update",
+        :operation => :"PlaidApi.cra_monitoring_insights_unsubscribe",
         :header_params => header_params,
         :query_params => query_params,
         :form_params => form_params,
@@ -3414,7 +3754,7 @@ module Plaid
 
       data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
       if @api_client.config.debugging
-        @api_client.config.logger.debug "API called: PlaidApi#cra_loans_update\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+        @api_client.config.logger.debug "API called: PlaidApi#cra_monitoring_insights_unsubscribe\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
       end
       return data, status_code, headers
     end
@@ -3828,7 +4168,7 @@ module Plaid
     end
 
     # Retrieve information from the bank accounts used for income verification
-    # `/credit/bank_income/get` returns the bank income report(s) for a specified user.
+    # `/credit/bank_income/get` returns the bank income report(s) for a specified user. A single report corresponds to all institutions linked in a single Link session. To include multiple institutions in a single report, use [Multi-Item Link](https://plaid.com/docs/link/multi-item-link). To return older reports, use the `options.count` field.
     # @param credit_bank_income_get_request [CreditBankIncomeGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [CreditBankIncomeGetResponse]
@@ -3838,7 +4178,7 @@ module Plaid
     end
 
     # Retrieve information from the bank accounts used for income verification
-    # &#x60;/credit/bank_income/get&#x60; returns the bank income report(s) for a specified user.
+    # &#x60;/credit/bank_income/get&#x60; returns the bank income report(s) for a specified user. A single report corresponds to all institutions linked in a single Link session. To include multiple institutions in a single report, use [Multi-Item Link](https://plaid.com/docs/link/multi-item-link). To return older reports, use the &#x60;options.count&#x60; field.
     # @param credit_bank_income_get_request [CreditBankIncomeGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(CreditBankIncomeGetResponse, Integer, Hash)>] CreditBankIncomeGetResponse data, response status code and response headers
@@ -3896,7 +4236,7 @@ module Plaid
     end
 
     # Retrieve information from the bank accounts used for income verification in PDF format
-    # `/credit/bank_income/pdf/get` returns the most recent bank income report for a specified user in PDF format.
+    # `/credit/bank_income/pdf/get` returns the most recent bank income report for a specified user in PDF format.  A single report corresponds to all institutions linked in a single Link session. To include multiple institutions in a single report, use [Multi-Item Link](https://plaid.com/docs/link/multi-item-link).
     # @param credit_bank_income_pdf_get_request [CreditBankIncomePDFGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [File]
@@ -3906,7 +4246,7 @@ module Plaid
     end
 
     # Retrieve information from the bank accounts used for income verification in PDF format
-    # &#x60;/credit/bank_income/pdf/get&#x60; returns the most recent bank income report for a specified user in PDF format.
+    # &#x60;/credit/bank_income/pdf/get&#x60; returns the most recent bank income report for a specified user in PDF format.  A single report corresponds to all institutions linked in a single Link session. To include multiple institutions in a single report, use [Multi-Item Link](https://plaid.com/docs/link/multi-item-link).
     # @param credit_bank_income_pdf_get_request [CreditBankIncomePDFGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(File, Integer, Hash)>] File data, response status code and response headers
@@ -3964,7 +4304,7 @@ module Plaid
     end
 
     # Refresh a user's bank income information
-    # `/credit/bank_income/refresh` refreshes the bank income report data for a specific user.
+    # `/credit/bank_income/refresh` refreshes the most recent bank income report data for a specific user. If the most recent bank income report is no longer valid (i.e. deleted), the endpoint will refresh the most recent valid report instead.
     # @param credit_bank_income_refresh_request [CreditBankIncomeRefreshRequest] 
     # @param [Hash] opts the optional parameters
     # @return [CreditBankIncomeRefreshResponse]
@@ -3974,7 +4314,7 @@ module Plaid
     end
 
     # Refresh a user&#39;s bank income information
-    # &#x60;/credit/bank_income/refresh&#x60; refreshes the bank income report data for a specific user.
+    # &#x60;/credit/bank_income/refresh&#x60; refreshes the most recent bank income report data for a specific user. If the most recent bank income report is no longer valid (i.e. deleted), the endpoint will refresh the most recent valid report instead.
     # @param credit_bank_income_refresh_request [CreditBankIncomeRefreshRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(CreditBankIncomeRefreshResponse, Integer, Hash)>] CreditBankIncomeRefreshResponse data, response status code and response headers
@@ -5731,6 +6071,129 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Get Recipient
+    # Get a specific recipient
+    # @param recipient_id [String] Recipient Identifier. Uniquely identifies the recipient
+    # @param [Hash] opts the optional parameters
+    # @option opts [String] :oauth_state_id The value that is passed into the OAuth URI &#39;state&#39; query parameter.
+    # @return [GetRecipientResponse]
+    def get_recipient(recipient_id, opts = {})
+      data, _status_code, _headers = get_recipient_with_http_info(recipient_id, opts)
+      data
+    end
+
+    # Get Recipient
+    # Get a specific recipient
+    # @param recipient_id [String] Recipient Identifier. Uniquely identifies the recipient
+    # @param [Hash] opts the optional parameters
+    # @option opts [String] :oauth_state_id The value that is passed into the OAuth URI &#39;state&#39; query parameter.
+    # @return [Array<(GetRecipientResponse, Integer, Hash)>] GetRecipientResponse data, response status code and response headers
+    def get_recipient_with_http_info(recipient_id, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.get_recipient ...'
+      end
+      # verify the required parameter 'recipient_id' is set
+      if @api_client.config.client_side_validation && recipient_id.nil?
+        fail ArgumentError, "Missing the required parameter 'recipient_id' when calling PlaidApi.get_recipient"
+      end
+      # resource path
+      local_var_path = '/fdx/recipient/{recipientId}'.sub('{' + 'recipientId' + '}', CGI.escape(recipient_id.to_s))
+
+      # query parameters
+      query_params = opts[:query_params] || {}
+
+      # header parameters
+      header_params = opts[:header_params] || {}
+      # HTTP header 'Accept' (if needed)
+      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
+      header_params[:'OAUTH-STATE-ID'] = opts[:'oauth_state_id'] if !opts[:'oauth_state_id'].nil?
+
+      # form parameters
+      form_params = opts[:form_params] || {}
+
+      # http body (model)
+      post_body = opts[:debug_body]
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'GetRecipientResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.get_recipient",
+        :header_params => header_params,
+        :query_params => query_params,
+        :form_params => form_params,
+        :body => post_body,
+        :auth_names => auth_names,
+        :return_type => return_type
+      )
+
+      data, status_code, headers = @api_client.call_api(:GET, local_var_path, new_options)
+      if @api_client.config.debugging
+        @api_client.config.logger.debug "API called: PlaidApi#get_recipient\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
+    # Get Recipients
+    # Returns a list of Recipients
+    # @param [Hash] opts the optional parameters
+    # @return [GetRecipientsResponse]
+    def get_recipients(opts = {})
+      data, _status_code, _headers = get_recipients_with_http_info(opts)
+      data
+    end
+
+    # Get Recipients
+    # Returns a list of Recipients
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(GetRecipientsResponse, Integer, Hash)>] GetRecipientsResponse data, response status code and response headers
+    def get_recipients_with_http_info(opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.get_recipients ...'
+      end
+      # resource path
+      local_var_path = '/fdx/recipients'
+
+      # query parameters
+      query_params = opts[:query_params] || {}
+
+      # header parameters
+      header_params = opts[:header_params] || {}
+      # HTTP header 'Accept' (if needed)
+      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
+
+      # form parameters
+      form_params = opts[:form_params] || {}
+
+      # http body (model)
+      post_body = opts[:debug_body]
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'GetRecipientsResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.get_recipients",
+        :header_params => header_params,
+        :query_params => query_params,
+        :form_params => form_params,
+        :body => post_body,
+        :auth_names => auth_names,
+        :return_type => return_type
+      )
+
+      data, status_code, headers = @api_client.call_api(:GET, local_var_path, new_options)
+      if @api_client.config.debugging
+        @api_client.config.logger.debug "API called: PlaidApi#get_recipients\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
     # Returns uploaded document identity
     # Use `/identity/documents/uploads/get` to retrieve document uploaded identity.
     # @param identity_documents_uploads_get_request [IdentityDocumentsUploadsGetRequest] 
@@ -5800,7 +6263,7 @@ module Plaid
     end
 
     # Retrieve identity data
-    # The `/identity/get` endpoint allows you to retrieve various account holder information on file with the financial institution, including names, emails, phone numbers, and addresses. Only name data is guaranteed to be returned; other fields will be empty arrays if not provided by the institution.  This request may take some time to complete if identity was not specified as an initial product when creating the Item. This is because Plaid must communicate directly with the institution to retrieve the data.  Note: In API versions 2018-05-22 and earlier, the `owners` object is not returned, and instead identity information is returned in the top level `identity` object. For more details, see [Plaid API versioning](https://plaid.com/docs/api/versioning/#version-2019-05-29).
+    # The `/identity/get` endpoint allows you to retrieve various account holder information on file with the financial institution, including names, emails, phone numbers, and addresses. Only name data is guaranteed to be returned; other fields will be empty arrays if not provided by the institution.  Note: In API versions 2018-05-22 and earlier, the `owners` object is not returned, and instead identity information is returned in the top level `identity` object. For more details, see [Plaid API versioning](https://plaid.com/docs/api/versioning/#version-2019-05-29).
     # @param identity_get_request [IdentityGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [IdentityGetResponse]
@@ -5810,7 +6273,7 @@ module Plaid
     end
 
     # Retrieve identity data
-    # The &#x60;/identity/get&#x60; endpoint allows you to retrieve various account holder information on file with the financial institution, including names, emails, phone numbers, and addresses. Only name data is guaranteed to be returned; other fields will be empty arrays if not provided by the institution.  This request may take some time to complete if identity was not specified as an initial product when creating the Item. This is because Plaid must communicate directly with the institution to retrieve the data.  Note: In API versions 2018-05-22 and earlier, the &#x60;owners&#x60; object is not returned, and instead identity information is returned in the top level &#x60;identity&#x60; object. For more details, see [Plaid API versioning](https://plaid.com/docs/api/versioning/#version-2019-05-29).
+    # The &#x60;/identity/get&#x60; endpoint allows you to retrieve various account holder information on file with the financial institution, including names, emails, phone numbers, and addresses. Only name data is guaranteed to be returned; other fields will be empty arrays if not provided by the institution.  Note: In API versions 2018-05-22 and earlier, the &#x60;owners&#x60; object is not returned, and instead identity information is returned in the top level &#x60;identity&#x60; object. For more details, see [Plaid API versioning](https://plaid.com/docs/api/versioning/#version-2019-05-29).
     # @param identity_get_request [IdentityGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(IdentityGetResponse, Integer, Hash)>] IdentityGetResponse data, response status code and response headers
@@ -5868,7 +6331,7 @@ module Plaid
     end
 
     # Retrieve identity match score
-    # The `/identity/match` endpoint generates a match score, which indicates how well the provided identity data matches the identity information on file with the account holder's financial institution.  Fields within the `balances` object will always be null when retrieved by `/identity/match`. Instead, use the free `/accounts/get` endpoint to request balance cached data, or `/accounts/balance/get` for real-time data.  This request may take some time to complete if Identity was not specified as an initial product when creating the Item. This is because Plaid must communicate directly with the institution to retrieve the data.
+    # The `/identity/match` endpoint generates a match score, which indicates how well the provided identity data matches the identity information on file with the account holder's financial institution.  Fields within the `balances` object will always be null when retrieved by `/identity/match`. Instead, use the free `/accounts/get` endpoint to request balance cached data, or `/accounts/balance/get` for real-time data.
     # @param identity_match_request [IdentityMatchRequest] 
     # @param [Hash] opts the optional parameters
     # @return [IdentityMatchResponse]
@@ -5878,7 +6341,7 @@ module Plaid
     end
 
     # Retrieve identity match score
-    # The &#x60;/identity/match&#x60; endpoint generates a match score, which indicates how well the provided identity data matches the identity information on file with the account holder&#39;s financial institution.  Fields within the &#x60;balances&#x60; object will always be null when retrieved by &#x60;/identity/match&#x60;. Instead, use the free &#x60;/accounts/get&#x60; endpoint to request balance cached data, or &#x60;/accounts/balance/get&#x60; for real-time data.  This request may take some time to complete if Identity was not specified as an initial product when creating the Item. This is because Plaid must communicate directly with the institution to retrieve the data.
+    # The &#x60;/identity/match&#x60; endpoint generates a match score, which indicates how well the provided identity data matches the identity information on file with the account holder&#39;s financial institution.  Fields within the &#x60;balances&#x60; object will always be null when retrieved by &#x60;/identity/match&#x60;. Instead, use the free &#x60;/accounts/get&#x60; endpoint to request balance cached data, or &#x60;/accounts/balance/get&#x60; for real-time data.
     # @param identity_match_request [IdentityMatchRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(IdentityMatchResponse, Integer, Hash)>] IdentityMatchResponse data, response status code and response headers
@@ -7024,7 +7487,7 @@ module Plaid
     end
 
     # Refresh investment data
-    # `/investments/refresh` is an optional endpoint for users of the Investments product. It initiates an on-demand extraction to fetch the newest investments, holdings and investment transactions for an Item. This on-demand extraction takes place in addition to the periodic extractions that automatically occur one or more times per day for any Investments-enabled Item. If changes to investments are discovered after calling `/investments/refresh`, Plaid will fire webhooks: [`HOLDINGS: DEFAULT_UPDATE`](https://plaid.com/docs/api/products/investments/#holdings-default_update) if any new holdings are detected, and [INVESTMENTS_TRANSACTIONS: DEFAULT_UPDATE](https://plaid.com/docs/api/products/investments/#investments_transactions-default_update) if any new investment transactions are detected. Updated holdings and investment transactions can be fetched by calling `/investments/holdings/get` and `/investments/transactions/get`. \"Note that the `/investments/refresh` endpoint is not supported by all institutions. If called on an Item from an institution that does not support this functionality, it will return a `PRODUCT_NOT_SUPPORTED` error.  As this endpoint triggers a synchronous request for fresh data, latency may be higher than for other Plaid endpoints (typically less than 10 seconds, but occasionally up to 30 seconds or more); if you encounter errors, you may find it necessary to adjust your timeout period when making requests.  `/investments/refresh` is offered as an add-on to Investments and has a separate [fee model](/docs/account/billing/#per-request-flat-fee). To request access to this endpoint, submit a [product access request](https://dashboard.plaid.com/team/products) or contact your Plaid account manager.
+    # `/investments/refresh` is an optional endpoint for users of the Investments product. It initiates an on-demand extraction to fetch the newest investment holdings and transactions for an Item. This on-demand extraction takes place in addition to the periodic extractions that automatically occur one or more times per day for any Investments-enabled Item. If changes to investments are discovered after calling `/investments/refresh`, Plaid will fire webhooks: [`HOLDINGS: DEFAULT_UPDATE`](https://plaid.com/docs/api/products/investments/#holdings-default_update) if any new holdings are detected, and [`INVESTMENTS_TRANSACTIONS: DEFAULT_UPDATE`](https://plaid.com/docs/api/products/investments/#investments_transactions-default_update) if any new investment transactions are detected. Updated holdings and investment transactions can be fetched by calling `/investments/holdings/get` and `/investments/transactions/get`. Note that the `/investments/refresh` endpoint is not supported by all institutions. If called on an Item from an institution that does not support this functionality, it will return a `PRODUCT_NOT_SUPPORTED` error.  As this endpoint triggers a synchronous request for fresh data, latency may be higher than for other Plaid endpoints (typically less than 10 seconds, but occasionally up to 30 seconds or more); if you encounter errors, you may find it necessary to adjust your timeout period when making requests.  `/investments/refresh` is offered as an add-on to Investments and has a separate [fee model](/docs/account/billing/#per-request-flat-fee). To request access to this endpoint, submit a [product access request](https://dashboard.plaid.com/team/products) or contact your Plaid account manager.
     # @param investments_refresh_request [InvestmentsRefreshRequest] 
     # @param [Hash] opts the optional parameters
     # @return [InvestmentsRefreshResponse]
@@ -7034,7 +7497,7 @@ module Plaid
     end
 
     # Refresh investment data
-    # &#x60;/investments/refresh&#x60; is an optional endpoint for users of the Investments product. It initiates an on-demand extraction to fetch the newest investments, holdings and investment transactions for an Item. This on-demand extraction takes place in addition to the periodic extractions that automatically occur one or more times per day for any Investments-enabled Item. If changes to investments are discovered after calling &#x60;/investments/refresh&#x60;, Plaid will fire webhooks: [&#x60;HOLDINGS: DEFAULT_UPDATE&#x60;](https://plaid.com/docs/api/products/investments/#holdings-default_update) if any new holdings are detected, and [INVESTMENTS_TRANSACTIONS: DEFAULT_UPDATE](https://plaid.com/docs/api/products/investments/#investments_transactions-default_update) if any new investment transactions are detected. Updated holdings and investment transactions can be fetched by calling &#x60;/investments/holdings/get&#x60; and &#x60;/investments/transactions/get&#x60;. \&quot;Note that the &#x60;/investments/refresh&#x60; endpoint is not supported by all institutions. If called on an Item from an institution that does not support this functionality, it will return a &#x60;PRODUCT_NOT_SUPPORTED&#x60; error.  As this endpoint triggers a synchronous request for fresh data, latency may be higher than for other Plaid endpoints (typically less than 10 seconds, but occasionally up to 30 seconds or more); if you encounter errors, you may find it necessary to adjust your timeout period when making requests.  &#x60;/investments/refresh&#x60; is offered as an add-on to Investments and has a separate [fee model](/docs/account/billing/#per-request-flat-fee). To request access to this endpoint, submit a [product access request](https://dashboard.plaid.com/team/products) or contact your Plaid account manager.
+    # &#x60;/investments/refresh&#x60; is an optional endpoint for users of the Investments product. It initiates an on-demand extraction to fetch the newest investment holdings and transactions for an Item. This on-demand extraction takes place in addition to the periodic extractions that automatically occur one or more times per day for any Investments-enabled Item. If changes to investments are discovered after calling &#x60;/investments/refresh&#x60;, Plaid will fire webhooks: [&#x60;HOLDINGS: DEFAULT_UPDATE&#x60;](https://plaid.com/docs/api/products/investments/#holdings-default_update) if any new holdings are detected, and [&#x60;INVESTMENTS_TRANSACTIONS: DEFAULT_UPDATE&#x60;](https://plaid.com/docs/api/products/investments/#investments_transactions-default_update) if any new investment transactions are detected. Updated holdings and investment transactions can be fetched by calling &#x60;/investments/holdings/get&#x60; and &#x60;/investments/transactions/get&#x60;. Note that the &#x60;/investments/refresh&#x60; endpoint is not supported by all institutions. If called on an Item from an institution that does not support this functionality, it will return a &#x60;PRODUCT_NOT_SUPPORTED&#x60; error.  As this endpoint triggers a synchronous request for fresh data, latency may be higher than for other Plaid endpoints (typically less than 10 seconds, but occasionally up to 30 seconds or more); if you encounter errors, you may find it necessary to adjust your timeout period when making requests.  &#x60;/investments/refresh&#x60; is offered as an add-on to Investments and has a separate [fee model](/docs/account/billing/#per-request-flat-fee). To request access to this endpoint, submit a [product access request](https://dashboard.plaid.com/team/products) or contact your Plaid account manager.
     # @param investments_refresh_request [InvestmentsRefreshRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(InvestmentsRefreshResponse, Integer, Hash)>] InvestmentsRefreshResponse data, response status code and response headers
@@ -7908,7 +8371,7 @@ module Plaid
     end
 
     # Retrieve Liabilities data
-    # The `/liabilities/get` endpoint returns various details about an Item with loan or credit accounts. Liabilities data is available primarily for US financial institutions, with some limited coverage of Canadian institutions. Currently supported account types are account type `credit` with account subtype `credit card` or `paypal`, and account type `loan` with account subtype `student` or `mortgage`. To limit accounts listed in Link to types and subtypes supported by Liabilities, you can use the `account_filters` parameter when [creating a Link token](https://plaid.com/docs/api/tokens/#linktokencreate).  The types of information returned by Liabilities can include balances and due dates, loan terms, and account details such as original loan amount and guarantor. Data is refreshed approximately once per day; the latest data can be retrieved by calling `/liabilities/get`.  Note: This request may take some time to complete if `liabilities` was not specified as an initial product when creating the Item. This is because Plaid must communicate directly with the institution to retrieve the additional data.
+    # The `/liabilities/get` endpoint returns various details about an Item with loan or credit accounts. Liabilities data is available primarily for US financial institutions, with some limited coverage of Canadian institutions. Currently supported account types are account type `credit` with account subtype `credit card` or `paypal`, and account type `loan` with account subtype `student` or `mortgage`. To limit accounts listed in Link to types and subtypes supported by Liabilities, you can use the `account_filters` parameter when [creating a Link token](https://plaid.com/docs/api/link/#linktokencreate).  The types of information returned by Liabilities can include balances and due dates, loan terms, and account details such as original loan amount and guarantor. Data is refreshed approximately once per day; the latest data can be retrieved by calling `/liabilities/get`.
     # @param liabilities_get_request [LiabilitiesGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [LiabilitiesGetResponse]
@@ -7918,7 +8381,7 @@ module Plaid
     end
 
     # Retrieve Liabilities data
-    # The &#x60;/liabilities/get&#x60; endpoint returns various details about an Item with loan or credit accounts. Liabilities data is available primarily for US financial institutions, with some limited coverage of Canadian institutions. Currently supported account types are account type &#x60;credit&#x60; with account subtype &#x60;credit card&#x60; or &#x60;paypal&#x60;, and account type &#x60;loan&#x60; with account subtype &#x60;student&#x60; or &#x60;mortgage&#x60;. To limit accounts listed in Link to types and subtypes supported by Liabilities, you can use the &#x60;account_filters&#x60; parameter when [creating a Link token](https://plaid.com/docs/api/tokens/#linktokencreate).  The types of information returned by Liabilities can include balances and due dates, loan terms, and account details such as original loan amount and guarantor. Data is refreshed approximately once per day; the latest data can be retrieved by calling &#x60;/liabilities/get&#x60;.  Note: This request may take some time to complete if &#x60;liabilities&#x60; was not specified as an initial product when creating the Item. This is because Plaid must communicate directly with the institution to retrieve the additional data.
+    # The &#x60;/liabilities/get&#x60; endpoint returns various details about an Item with loan or credit accounts. Liabilities data is available primarily for US financial institutions, with some limited coverage of Canadian institutions. Currently supported account types are account type &#x60;credit&#x60; with account subtype &#x60;credit card&#x60; or &#x60;paypal&#x60;, and account type &#x60;loan&#x60; with account subtype &#x60;student&#x60; or &#x60;mortgage&#x60;. To limit accounts listed in Link to types and subtypes supported by Liabilities, you can use the &#x60;account_filters&#x60; parameter when [creating a Link token](https://plaid.com/docs/api/link/#linktokencreate).  The types of information returned by Liabilities can include balances and due dates, loan terms, and account details such as original loan amount and guarantor. Data is refreshed approximately once per day; the latest data can be retrieved by calling &#x60;/liabilities/get&#x60;.
     # @param liabilities_get_request [LiabilitiesGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(LiabilitiesGetResponse, Integer, Hash)>] LiabilitiesGetResponse data, response status code and response headers
@@ -8248,7 +8711,7 @@ module Plaid
     end
 
     # Create Link Token
-    # The `/link/token/create` endpoint creates a `link_token`, which is required as a parameter when initializing Link. Once Link has been initialized, it returns a `public_token`, which can then be exchanged for an `access_token` via `/item/public_token/exchange` as part of the main Link flow.  A `link_token` generated by `/link/token/create` is also used to initialize other Link flows, such as the update mode flow for tokens with expired credentials, or the Payment Initiation (Europe) flow.
+    # The `/link/token/create` endpoint creates a `link_token`, which is required as a parameter when initializing Link. Once Link has been initialized, it returns a `public_token`. For most Plaid products, the `public_token` is saved and exchanged for an `access_token` via `/item/public_token/exchange` as part of the main Link flow. For more details, see the [Link flow overview](https://plaid.com/docs/link/#link-flow-overview).  A `link_token` generated by `/link/token/create` is also used to initialize other Link flows, such as the [update mode](https://plaid.com/docs/link/update-mode) flow for tokens with expired credentials, or the Identity Verification flow.
     # @param link_token_create_request [LinkTokenCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [LinkTokenCreateResponse]
@@ -8258,7 +8721,7 @@ module Plaid
     end
 
     # Create Link Token
-    # The &#x60;/link/token/create&#x60; endpoint creates a &#x60;link_token&#x60;, which is required as a parameter when initializing Link. Once Link has been initialized, it returns a &#x60;public_token&#x60;, which can then be exchanged for an &#x60;access_token&#x60; via &#x60;/item/public_token/exchange&#x60; as part of the main Link flow.  A &#x60;link_token&#x60; generated by &#x60;/link/token/create&#x60; is also used to initialize other Link flows, such as the update mode flow for tokens with expired credentials, or the Payment Initiation (Europe) flow.
+    # The &#x60;/link/token/create&#x60; endpoint creates a &#x60;link_token&#x60;, which is required as a parameter when initializing Link. Once Link has been initialized, it returns a &#x60;public_token&#x60;. For most Plaid products, the &#x60;public_token&#x60; is saved and exchanged for an &#x60;access_token&#x60; via &#x60;/item/public_token/exchange&#x60; as part of the main Link flow. For more details, see the [Link flow overview](https://plaid.com/docs/link/#link-flow-overview).  A &#x60;link_token&#x60; generated by &#x60;/link/token/create&#x60; is also used to initialize other Link flows, such as the [update mode](https://plaid.com/docs/link/update-mode) flow for tokens with expired credentials, or the Identity Verification flow.
     # @param link_token_create_request [LinkTokenCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(LinkTokenCreateResponse, Integer, Hash)>] LinkTokenCreateResponse data, response status code and response headers
@@ -8316,7 +8779,7 @@ module Plaid
     end
 
     # Get Link Token
-    # The `/link/token/get` endpoint gets information about a previously-created `link_token` using the `/link/token/create` endpoint. It can be useful for debugging purposes.
+    # The `/link/token/get` endpoint gets information about a Link session, including all callbacks fired during the session along with their metadata, including the public token. This endpoint is used with Link flows that don't provide a public token via frontend callbacks, such as the [Hosted Link flow](https://plaid.com/docs/link/hosted-link/) and the [Multi-Item Link flow](https://plaid.com/docs/link/multi-item-link/). It also can be useful for debugging purposes.
     # @param link_token_get_request [LinkTokenGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [LinkTokenGetResponse]
@@ -8326,7 +8789,7 @@ module Plaid
     end
 
     # Get Link Token
-    # The &#x60;/link/token/get&#x60; endpoint gets information about a previously-created &#x60;link_token&#x60; using the &#x60;/link/token/create&#x60; endpoint. It can be useful for debugging purposes.
+    # The &#x60;/link/token/get&#x60; endpoint gets information about a Link session, including all callbacks fired during the session along with their metadata, including the public token. This endpoint is used with Link flows that don&#39;t provide a public token via frontend callbacks, such as the [Hosted Link flow](https://plaid.com/docs/link/hosted-link/) and the [Multi-Item Link flow](https://plaid.com/docs/link/multi-item-link/). It also can be useful for debugging purposes.
     # @param link_token_get_request [LinkTokenGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(LinkTokenGetResponse, Integer, Hash)>] LinkTokenGetResponse data, response status code and response headers
@@ -8383,6 +8846,74 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Retrieve network insights for the provided `access_tokens`
+    # This endpoint allows you to retrieve the Network Insights from a list of `access_tokens`.
+    # @param network_insights_report_get_request [NetworkInsightsReportGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [NetworkInsightsReportGetResponse]
+    def network_insights_report_get(network_insights_report_get_request, opts = {})
+      data, _status_code, _headers = network_insights_report_get_with_http_info(network_insights_report_get_request, opts)
+      data
+    end
+
+    # Retrieve network insights for the provided &#x60;access_tokens&#x60;
+    # This endpoint allows you to retrieve the Network Insights from a list of &#x60;access_tokens&#x60;.
+    # @param network_insights_report_get_request [NetworkInsightsReportGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(NetworkInsightsReportGetResponse, Integer, Hash)>] NetworkInsightsReportGetResponse data, response status code and response headers
+    def network_insights_report_get_with_http_info(network_insights_report_get_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.network_insights_report_get ...'
+      end
+      # verify the required parameter 'network_insights_report_get_request' is set
+      if @api_client.config.client_side_validation && network_insights_report_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'network_insights_report_get_request' when calling PlaidApi.network_insights_report_get"
+      end
+      # resource path
+      local_var_path = '/network_insights/report/get'
+
+      # query parameters
+      query_params = opts[:query_params] || {}
+
+      # header parameters
+      header_params = opts[:header_params] || {}
+      # HTTP header 'Accept' (if needed)
+      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
+      # HTTP header 'Content-Type'
+      content_type = @api_client.select_header_content_type(['application/json'])
+      if !content_type.nil?
+          header_params['Content-Type'] = content_type
+      end
+
+      # form parameters
+      form_params = opts[:form_params] || {}
+
+      # http body (model)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(network_insights_report_get_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'NetworkInsightsReportGetResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.network_insights_report_get",
+        :header_params => header_params,
+        :query_params => query_params,
+        :form_params => form_params,
+        :body => post_body,
+        :auth_names => auth_names,
+        :return_type => return_type
+      )
+
+      data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
+      if @api_client.config.debugging
+        @api_client.config.logger.debug "API called: PlaidApi#network_insights_report_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
     # Creates a new end customer for a Plaid reseller.
     # The `/partner/customer/create` endpoint is used by reseller partners to create end customers.
     # @param partner_customer_create_request [PartnerCustomerCreateRequest] 
@@ -8452,7 +8983,7 @@ module Plaid
     end
 
     # Enables a Plaid reseller's end customer in the Production environment.
-    # The `/partner/customer/enable` endpoint is used by reseller partners to enable an end customer in the Production environment.
+    # The `/partner/customer/enable` endpoint is used by reseller partners to enable an end customer in the full Production environment.
     # @param partner_customer_enable_request [PartnerCustomerEnableRequest] 
     # @param [Hash] opts the optional parameters
     # @return [PartnerCustomerEnableResponse]
@@ -8462,7 +8993,7 @@ module Plaid
     end
 
     # Enables a Plaid reseller&#39;s end customer in the Production environment.
-    # The &#x60;/partner/customer/enable&#x60; endpoint is used by reseller partners to enable an end customer in the Production environment.
+    # The &#x60;/partner/customer/enable&#x60; endpoint is used by reseller partners to enable an end customer in the full Production environment.
     # @param partner_customer_enable_request [PartnerCustomerEnableRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(PartnerCustomerEnableResponse, Integer, Hash)>] PartnerCustomerEnableResponse data, response status code and response headers
@@ -8656,7 +9187,7 @@ module Plaid
     end
 
     # Removes a Plaid reseller's end customer.
-    # The `/partner/customer/remove` endpoint is used by reseller partners to remove an end customer. Removing an end customer will remove it from view in the Plaid Dashboard and deactivate its API keys. This endpoint can only be used to remove an end customer that has not yet been enabled in Production.
+    # The `/partner/customer/remove` endpoint is used by reseller partners to remove an end customer. Removing an end customer will remove it from view in the Plaid Dashboard and deactivate its API keys. This endpoint can only be used to remove an end customer that has not yet been enabled in full Production.
     # @param partner_customer_remove_request [PartnerCustomerRemoveRequest] 
     # @param [Hash] opts the optional parameters
     # @return [PartnerCustomerRemoveResponse]
@@ -8666,7 +9197,7 @@ module Plaid
     end
 
     # Removes a Plaid reseller&#39;s end customer.
-    # The &#x60;/partner/customer/remove&#x60; endpoint is used by reseller partners to remove an end customer. Removing an end customer will remove it from view in the Plaid Dashboard and deactivate its API keys. This endpoint can only be used to remove an end customer that has not yet been enabled in Production.
+    # The &#x60;/partner/customer/remove&#x60; endpoint is used by reseller partners to remove an end customer. Removing an end customer will remove it from view in the Plaid Dashboard and deactivate its API keys. This endpoint can only be used to remove an end customer that has not yet been enabled in full Production.
     # @param partner_customer_remove_request [PartnerCustomerRemoveRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(PartnerCustomerRemoveResponse, Integer, Hash)>] PartnerCustomerRemoveResponse data, response status code and response headers
@@ -8996,7 +9527,7 @@ module Plaid
     end
 
     # Create a payment
-    # After creating a payment recipient, you can use the `/payment_initiation/payment/create` endpoint to create a payment to that recipient.  Payments can be one-time or standing order (recurring) and can be denominated in either EUR, GBP or other chosen [currency](https://plaid.com/docs/api/products/payment-initiation/#payment_initiation-payment-create-request-amount-currency).  If making domestic GBP-denominated payments, your recipient must have been created with BACS numbers. In general, EUR-denominated payments will be sent via SEPA Credit Transfer, GBP-denominated payments will be sent via the Faster Payments network and for non-Eurozone markets typically via the local payment scheme, but the payment network used will be determined by the institution. Payments sent via Faster Payments will typically arrive immediately, while payments sent via SEPA Credit Transfer or other local payment schemes will typically arrive in one business day.  Standing orders (recurring payments) must be denominated in GBP and can only be sent to recipients in the UK. Once created, standing order payments cannot be modified or canceled via the API. An end user can cancel or modify a standing order directly on their banking application or website, or by contacting the bank. Standing orders will follow the payment rules of the underlying rails (Faster Payments in UK). Payments can be sent Monday to Friday, excluding bank holidays. If the pre-arranged date falls on a weekend or bank holiday, the payment is made on the next working day. It is not possible to guarantee the exact time the payment will reach the recipient’s account, although at least 90% of standing order payments are sent by 6am.  In the Development environment, payments must be below 5 GBP or other chosen [currency](https://plaid.com/docs/api/products/payment-initiation/#payment_initiation-payment-create-request-amount-currency). For details on any payment limits in Production, contact your Plaid Account Manager.
+    # After creating a payment recipient, you can use the `/payment_initiation/payment/create` endpoint to create a payment to that recipient.  Payments can be one-time or standing order (recurring) and can be denominated in either EUR, GBP or other chosen [currency](https://plaid.com/docs/api/products/payment-initiation/#payment_initiation-payment-create-request-amount-currency).  If making domestic GBP-denominated payments, your recipient must have been created with BACS numbers. In general, EUR-denominated payments will be sent via SEPA Credit Transfer, GBP-denominated payments will be sent via the Faster Payments network and for non-Eurozone markets typically via the local payment scheme, but the payment network used will be determined by the institution. Payments sent via Faster Payments will typically arrive immediately, while payments sent via SEPA Credit Transfer or other local payment schemes will typically arrive in one business day.  Standing orders (recurring payments) must be denominated in GBP and can only be sent to recipients in the UK. Once created, standing order payments cannot be modified or canceled via the API. An end user can cancel or modify a standing order directly on their banking application or website, or by contacting the bank. Standing orders will follow the payment rules of the underlying rails (Faster Payments in UK). Payments can be sent Monday to Friday, excluding bank holidays. If the pre-arranged date falls on a weekend or bank holiday, the payment is made on the next working day. It is not possible to guarantee the exact time the payment will reach the recipient’s account, although at least 90% of standing order payments are sent by 6am.  In Limited Production, payments must be below 5 GBP or other chosen [currency](https://plaid.com/docs/api/products/payment-initiation/#payment_initiation-payment-create-request-amount-currency), and standing orders, variable recurring payments, and Virtual Accounts are not supported. 
     # @param payment_initiation_payment_create_request [PaymentInitiationPaymentCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [PaymentInitiationPaymentCreateResponse]
@@ -9006,7 +9537,7 @@ module Plaid
     end
 
     # Create a payment
-    # After creating a payment recipient, you can use the &#x60;/payment_initiation/payment/create&#x60; endpoint to create a payment to that recipient.  Payments can be one-time or standing order (recurring) and can be denominated in either EUR, GBP or other chosen [currency](https://plaid.com/docs/api/products/payment-initiation/#payment_initiation-payment-create-request-amount-currency).  If making domestic GBP-denominated payments, your recipient must have been created with BACS numbers. In general, EUR-denominated payments will be sent via SEPA Credit Transfer, GBP-denominated payments will be sent via the Faster Payments network and for non-Eurozone markets typically via the local payment scheme, but the payment network used will be determined by the institution. Payments sent via Faster Payments will typically arrive immediately, while payments sent via SEPA Credit Transfer or other local payment schemes will typically arrive in one business day.  Standing orders (recurring payments) must be denominated in GBP and can only be sent to recipients in the UK. Once created, standing order payments cannot be modified or canceled via the API. An end user can cancel or modify a standing order directly on their banking application or website, or by contacting the bank. Standing orders will follow the payment rules of the underlying rails (Faster Payments in UK). Payments can be sent Monday to Friday, excluding bank holidays. If the pre-arranged date falls on a weekend or bank holiday, the payment is made on the next working day. It is not possible to guarantee the exact time the payment will reach the recipient’s account, although at least 90% of standing order payments are sent by 6am.  In the Development environment, payments must be below 5 GBP or other chosen [currency](https://plaid.com/docs/api/products/payment-initiation/#payment_initiation-payment-create-request-amount-currency). For details on any payment limits in Production, contact your Plaid Account Manager.
+    # After creating a payment recipient, you can use the &#x60;/payment_initiation/payment/create&#x60; endpoint to create a payment to that recipient.  Payments can be one-time or standing order (recurring) and can be denominated in either EUR, GBP or other chosen [currency](https://plaid.com/docs/api/products/payment-initiation/#payment_initiation-payment-create-request-amount-currency).  If making domestic GBP-denominated payments, your recipient must have been created with BACS numbers. In general, EUR-denominated payments will be sent via SEPA Credit Transfer, GBP-denominated payments will be sent via the Faster Payments network and for non-Eurozone markets typically via the local payment scheme, but the payment network used will be determined by the institution. Payments sent via Faster Payments will typically arrive immediately, while payments sent via SEPA Credit Transfer or other local payment schemes will typically arrive in one business day.  Standing orders (recurring payments) must be denominated in GBP and can only be sent to recipients in the UK. Once created, standing order payments cannot be modified or canceled via the API. An end user can cancel or modify a standing order directly on their banking application or website, or by contacting the bank. Standing orders will follow the payment rules of the underlying rails (Faster Payments in UK). Payments can be sent Monday to Friday, excluding bank holidays. If the pre-arranged date falls on a weekend or bank holiday, the payment is made on the next working day. It is not possible to guarantee the exact time the payment will reach the recipient’s account, although at least 90% of standing order payments are sent by 6am.  In Limited Production, payments must be below 5 GBP or other chosen [currency](https://plaid.com/docs/api/products/payment-initiation/#payment_initiation-payment-create-request-amount-currency), and standing orders, variable recurring payments, and Virtual Accounts are not supported. 
     # @param payment_initiation_payment_create_request [PaymentInitiationPaymentCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(PaymentInitiationPaymentCreateResponse, Integer, Hash)>] PaymentInitiationPaymentCreateResponse data, response status code and response headers
@@ -10084,7 +10615,7 @@ module Plaid
     end
 
     # Retrieve identity match score
-    # The `/processor/identity/match` endpoint generates a match score, which indicates how well the provided identity data matches the identity information on file with the account holder's financial institution.  Fields within the `balances` object will always be null when retrieved by `/identity/match`. Instead, use the free `/accounts/get` endpoint to request balance cached data, or `/accounts/balance/get` for real-time data.  This request may take some time to complete if Identity was not specified as an initial product when creating the Item. This is because Plaid must communicate directly with the institution to retrieve the data.
+    # The `/processor/identity/match` endpoint generates a match score, which indicates how well the provided identity data matches the identity information on file with the account holder's financial institution.  Fields within the `balances` object will always be null when retrieved by `/identity/match`. Instead, use the free `/accounts/get` endpoint to request balance cached data, or `/accounts/balance/get` for real-time data.
     # @param processor_identity_match_request [ProcessorIdentityMatchRequest] 
     # @param [Hash] opts the optional parameters
     # @return [ProcessorIdentityMatchResponse]
@@ -10094,7 +10625,7 @@ module Plaid
     end
 
     # Retrieve identity match score
-    # The &#x60;/processor/identity/match&#x60; endpoint generates a match score, which indicates how well the provided identity data matches the identity information on file with the account holder&#39;s financial institution.  Fields within the &#x60;balances&#x60; object will always be null when retrieved by &#x60;/identity/match&#x60;. Instead, use the free &#x60;/accounts/get&#x60; endpoint to request balance cached data, or &#x60;/accounts/balance/get&#x60; for real-time data.  This request may take some time to complete if Identity was not specified as an initial product when creating the Item. This is because Plaid must communicate directly with the institution to retrieve the data.
+    # The &#x60;/processor/identity/match&#x60; endpoint generates a match score, which indicates how well the provided identity data matches the identity information on file with the account holder&#39;s financial institution.  Fields within the &#x60;balances&#x60; object will always be null when retrieved by &#x60;/identity/match&#x60;. Instead, use the free &#x60;/accounts/get&#x60; endpoint to request balance cached data, or &#x60;/accounts/balance/get&#x60; for real-time data.
     # @param processor_identity_match_request [ProcessorIdentityMatchRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(ProcessorIdentityMatchResponse, Integer, Hash)>] ProcessorIdentityMatchResponse data, response status code and response headers
@@ -11049,17 +11580,85 @@ module Plaid
     # This endpoint replaces &#x60;/processor/transactions/get&#x60; and its associated webhooks for most common use-cases.  The &#x60;/processor/transactions/sync&#x60; endpoint allows developers to subscribe to all transactions associated with a processor token and get updates synchronously in a stream-like manner, using a cursor to track which updates have already been seen. &#x60;/processor/transactions/sync&#x60; provides the same functionality as &#x60;/processor/transactions/get&#x60; and can be used instead of &#x60;/processor/transactions/get&#x60; to simplify the process of tracking transactions updates.  This endpoint provides user-authorized transaction data for &#x60;credit&#x60;, &#x60;depository&#x60;, and some loan-type accounts (only those with account subtype &#x60;student&#x60;; coverage may be limited). For transaction history from &#x60;investments&#x60; accounts, use &#x60;/investments/transactions/get&#x60; instead.  Returned transactions data is grouped into three types of update, indicating whether the transaction was added, removed, or modified since the last call to the API.  In the first call to &#x60;/processor/transactions/sync&#x60; for a processor token, the endpoint will return all historical transactions data associated with that processor token up until the time of the API call (as \&quot;adds\&quot;), which then generates a &#x60;next_cursor&#x60; for that processor token. In subsequent calls, send the &#x60;next_cursor&#x60; to receive only the changes that have occurred since the previous call.  Due to the potentially large number of transactions associated with a processor token, results are paginated. The &#x60;has_more&#x60; field specifies if additional calls are necessary to fetch all available transaction updates. Call &#x60;/processor/transactions/sync&#x60; with the new cursor, pulling all updates, until &#x60;has_more&#x60; is &#x60;false&#x60;.  When retrieving paginated updates, track both the &#x60;next_cursor&#x60; from the latest response and the original cursor from the first call in which &#x60;has_more&#x60; was &#x60;true&#x60;; if a call to &#x60;/processor/transactions/sync&#x60; fails when retrieving a paginated update, which can occur as a result of the [&#x60;TRANSACTIONS_SYNC_MUTATION_DURING_PAGINATION&#x60;](https://plaid.com/docs/errors/transactions/#transactions_sync_mutation_during_pagination) error, the entire pagination request loop must be restarted beginning with the cursor for the first page of the update, rather than retrying only the single request that failed.  Whenever new or updated transaction data becomes available, &#x60;/processor/transactions/sync&#x60; will provide these updates. Plaid typically checks for new data multiple times a day, but these checks may occur less frequently, such as once a day, depending on the institution. To force Plaid to check for new transactions, use the &#x60;/processor/transactions/refresh&#x60; endpoint.  Note that for newly created processor tokens, data may not be immediately available to &#x60;/processor/transactions/sync&#x60;. Plaid begins preparing transactions data when the corresponding Item is created, but the process can take anywhere from a few seconds to several minutes to complete, depending on the number of transactions available.  To receive Transactions webhooks for a processor token, set its webhook URL via the [&#x60;/processor/token/webhook/update&#x60;](https://plaid.com/docs/api/processor-partners/#processortokenwebhookupdate) endpoint.
     # @param processor_transactions_sync_request [ProcessorTransactionsSyncRequest] 
     # @param [Hash] opts the optional parameters
-    # @return [Array<(ProcessorTransactionsSyncResponse, Integer, Hash)>] ProcessorTransactionsSyncResponse data, response status code and response headers
-    def processor_transactions_sync_with_http_info(processor_transactions_sync_request, opts = {})
+    # @return [Array<(ProcessorTransactionsSyncResponse, Integer, Hash)>] ProcessorTransactionsSyncResponse data, response status code and response headers
+    def processor_transactions_sync_with_http_info(processor_transactions_sync_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.processor_transactions_sync ...'
+      end
+      # verify the required parameter 'processor_transactions_sync_request' is set
+      if @api_client.config.client_side_validation && processor_transactions_sync_request.nil?
+        fail ArgumentError, "Missing the required parameter 'processor_transactions_sync_request' when calling PlaidApi.processor_transactions_sync"
+      end
+      # resource path
+      local_var_path = '/processor/transactions/sync'
+
+      # query parameters
+      query_params = opts[:query_params] || {}
+
+      # header parameters
+      header_params = opts[:header_params] || {}
+      # HTTP header 'Accept' (if needed)
+      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
+      # HTTP header 'Content-Type'
+      content_type = @api_client.select_header_content_type(['application/json'])
+      if !content_type.nil?
+          header_params['Content-Type'] = content_type
+      end
+
+      # form parameters
+      form_params = opts[:form_params] || {}
+
+      # http body (model)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(processor_transactions_sync_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'ProcessorTransactionsSyncResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.processor_transactions_sync",
+        :header_params => header_params,
+        :query_params => query_params,
+        :form_params => form_params,
+        :body => post_body,
+        :auth_names => auth_names,
+        :return_type => return_type
+      )
+
+      data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
+      if @api_client.config.debugging
+        @api_client.config.logger.debug "API called: PlaidApi#processor_transactions_sync\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
+    # Retrieve a Profile
+    # Returns user permissioned profile data including identity and item access tokens.
+    # @param profile_get_request [ProfileGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [ProfileGetResponse]
+    def profile_get(profile_get_request, opts = {})
+      data, _status_code, _headers = profile_get_with_http_info(profile_get_request, opts)
+      data
+    end
+
+    # Retrieve a Profile
+    # Returns user permissioned profile data including identity and item access tokens.
+    # @param profile_get_request [ProfileGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(ProfileGetResponse, Integer, Hash)>] ProfileGetResponse data, response status code and response headers
+    def profile_get_with_http_info(profile_get_request, opts = {})
       if @api_client.config.debugging
-        @api_client.config.logger.debug 'Calling API: PlaidApi.processor_transactions_sync ...'
+        @api_client.config.logger.debug 'Calling API: PlaidApi.profile_get ...'
       end
-      # verify the required parameter 'processor_transactions_sync_request' is set
-      if @api_client.config.client_side_validation && processor_transactions_sync_request.nil?
-        fail ArgumentError, "Missing the required parameter 'processor_transactions_sync_request' when calling PlaidApi.processor_transactions_sync"
+      # verify the required parameter 'profile_get_request' is set
+      if @api_client.config.client_side_validation && profile_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'profile_get_request' when calling PlaidApi.profile_get"
       end
       # resource path
-      local_var_path = '/processor/transactions/sync'
+      local_var_path = '/profile/get'
 
       # query parameters
       query_params = opts[:query_params] || {}
@@ -11078,16 +11677,16 @@ module Plaid
       form_params = opts[:form_params] || {}
 
       # http body (model)
-      post_body = opts[:debug_body] || @api_client.object_to_http_body(processor_transactions_sync_request)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(profile_get_request)
 
       # return_type
-      return_type = opts[:debug_return_type] || 'ProcessorTransactionsSyncResponse'
+      return_type = opts[:debug_return_type] || 'ProfileGetResponse'
 
       # auth_names
       auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
 
       new_options = opts.merge(
-        :operation => :"PlaidApi.processor_transactions_sync",
+        :operation => :"PlaidApi.profile_get",
         :header_params => header_params,
         :query_params => query_params,
         :form_params => form_params,
@@ -11098,36 +11697,36 @@ module Plaid
 
       data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
       if @api_client.config.debugging
-        @api_client.config.logger.debug "API called: PlaidApi#processor_transactions_sync\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+        @api_client.config.logger.debug "API called: PlaidApi#profile_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
       end
       return data, status_code, headers
     end
 
-    # Retrieve a Profile
-    # Returns user permissioned profile data including identity and item access tokens.
-    # @param profile_get_request [ProfileGetRequest] 
+    # Check a user's Plaid Network status
+    # The `/profile/network_status/get` endpoint can be used to check whether Plaid has a matching profile for the user.
+    # @param profile_network_status_get_request [ProfileNetworkStatusGetRequest] 
     # @param [Hash] opts the optional parameters
-    # @return [ProfileGetResponse]
-    def profile_get(profile_get_request, opts = {})
-      data, _status_code, _headers = profile_get_with_http_info(profile_get_request, opts)
+    # @return [ProfileNetworkStatusGetResponse]
+    def profile_network_status_get(profile_network_status_get_request, opts = {})
+      data, _status_code, _headers = profile_network_status_get_with_http_info(profile_network_status_get_request, opts)
       data
     end
 
-    # Retrieve a Profile
-    # Returns user permissioned profile data including identity and item access tokens.
-    # @param profile_get_request [ProfileGetRequest] 
+    # Check a user&#39;s Plaid Network status
+    # The &#x60;/profile/network_status/get&#x60; endpoint can be used to check whether Plaid has a matching profile for the user.
+    # @param profile_network_status_get_request [ProfileNetworkStatusGetRequest] 
     # @param [Hash] opts the optional parameters
-    # @return [Array<(ProfileGetResponse, Integer, Hash)>] ProfileGetResponse data, response status code and response headers
-    def profile_get_with_http_info(profile_get_request, opts = {})
+    # @return [Array<(ProfileNetworkStatusGetResponse, Integer, Hash)>] ProfileNetworkStatusGetResponse data, response status code and response headers
+    def profile_network_status_get_with_http_info(profile_network_status_get_request, opts = {})
       if @api_client.config.debugging
-        @api_client.config.logger.debug 'Calling API: PlaidApi.profile_get ...'
+        @api_client.config.logger.debug 'Calling API: PlaidApi.profile_network_status_get ...'
       end
-      # verify the required parameter 'profile_get_request' is set
-      if @api_client.config.client_side_validation && profile_get_request.nil?
-        fail ArgumentError, "Missing the required parameter 'profile_get_request' when calling PlaidApi.profile_get"
+      # verify the required parameter 'profile_network_status_get_request' is set
+      if @api_client.config.client_side_validation && profile_network_status_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'profile_network_status_get_request' when calling PlaidApi.profile_network_status_get"
       end
       # resource path
-      local_var_path = '/profile/get'
+      local_var_path = '/profile/network_status/get'
 
       # query parameters
       query_params = opts[:query_params] || {}
@@ -11146,16 +11745,16 @@ module Plaid
       form_params = opts[:form_params] || {}
 
       # http body (model)
-      post_body = opts[:debug_body] || @api_client.object_to_http_body(profile_get_request)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(profile_network_status_get_request)
 
       # return_type
-      return_type = opts[:debug_return_type] || 'ProfileGetResponse'
+      return_type = opts[:debug_return_type] || 'ProfileNetworkStatusGetResponse'
 
       # auth_names
       auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
 
       new_options = opts.merge(
-        :operation => :"PlaidApi.profile_get",
+        :operation => :"PlaidApi.profile_network_status_get",
         :header_params => header_params,
         :query_params => query_params,
         :form_params => form_params,
@@ -11166,7 +11765,7 @@ module Plaid
 
       data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
       if @api_client.config.debugging
-        @api_client.config.logger.debug "API called: PlaidApi#profile_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+        @api_client.config.logger.debug "API called: PlaidApi#profile_network_status_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
       end
       return data, status_code, headers
     end
@@ -11444,7 +12043,7 @@ module Plaid
     end
 
     # Fire a test webhook
-    # The `/sandbox/item/fire_webhook` endpoint is used to test that code correctly handles webhooks. This endpoint can trigger the following webhooks:  `DEFAULT_UPDATE`: Webhook to be fired for a given Sandbox Item simulating a default update event for the respective product as specified with the `webhook_type` in the request body. Valid sandbox `DEFAULT_UPDATE` responses include: `AUTH`, `IDENTITY`, `TRANSACTIONS`, `INVESTMENTS_TRANSACTIONS`, `LIABILITIES`, `HOLDINGS`. If the Item does not support the product, a `SANDBOX_PRODUCT_NOT_ENABLED` error will result.  `NEW_ACCOUNTS_AVAILABLE`: Webhook to be fired for a given Sandbox Item created with Account Select v2.  `SMS_MICRODEPOSITS_VERIFICATION`: Fired when a given same day micro-deposit item is verified via SMS verification.  `LOGIN_REPAIRED`: Fired when an Item recovers from the `ITEM_LOGIN_REQUIRED` without the user going through update mode in your app.  `RECURRING_TRANSACTIONS_UPDATE`: Recurring Transactions webhook to be fired for a given Sandbox Item. If the Item does not support Recurring Transactions, a `SANDBOX_PRODUCT_NOT_ENABLED` error will result.  `SYNC_UPDATES_AVAILABLE`: Transactions webhook to be fired for a given Sandbox Item.  If the Item does not support Transactions, a `SANDBOX_PRODUCT_NOT_ENABLED` error will result.  `PRODUCT_READY`: Assets webhook to be fired when a given asset report has been successfully generated. If the Item does not support Assets, a `SANDBOX_PRODUCT_NOT_ENABLED` error will result.  `ERROR`: Assets webhook to be fired when asset report generation has failed. If the Item does not support Assets, a `SANDBOX_PRODUCT_NOT_ENABLED` error will result.  Note that this endpoint is provided for developer ease-of-use and is not required for testing webhooks; webhooks will also fire in Sandbox under the same conditions that they would in Production or Development (except for webhooks of type `TRANSFER`).
+    # The `/sandbox/item/fire_webhook` endpoint is used to test that code correctly handles webhooks. This endpoint can trigger the following webhooks:  `DEFAULT_UPDATE`: Webhook to be fired for a given Sandbox Item simulating a default update event for the respective product as specified with the `webhook_type` in the request body. Valid sandbox `DEFAULT_UPDATE` responses include: `AUTH`, `IDENTITY`, `TRANSACTIONS`, `INVESTMENTS_TRANSACTIONS`, `LIABILITIES`, `HOLDINGS`. If the Item does not support the product, a `SANDBOX_PRODUCT_NOT_ENABLED` error will result.  `NEW_ACCOUNTS_AVAILABLE`: Fired to indicate that a new account is available on the Item and you can launch update mode to request access to it.  `SMS_MICRODEPOSITS_VERIFICATION`: Fired when a given same day micro-deposit item is verified via SMS verification.  `LOGIN_REPAIRED`: Fired when an Item recovers from the `ITEM_LOGIN_REQUIRED` without the user going through update mode in your app.  `RECURRING_TRANSACTIONS_UPDATE`: Recurring Transactions webhook to be fired for a given Sandbox Item. If the Item does not support Recurring Transactions, a `SANDBOX_PRODUCT_NOT_ENABLED` error will result.  `SYNC_UPDATES_AVAILABLE`: Transactions webhook to be fired for a given Sandbox Item.  If the Item does not support Transactions, a `SANDBOX_PRODUCT_NOT_ENABLED` error will result.  `PRODUCT_READY`: Assets webhook to be fired when a given asset report has been successfully generated. If the Item does not support Assets, a `SANDBOX_PRODUCT_NOT_ENABLED` error will result.  `ERROR`: Assets webhook to be fired when asset report generation has failed. If the Item does not support Assets, a `SANDBOX_PRODUCT_NOT_ENABLED` error will result.  Note that this endpoint is provided for developer ease-of-use and is not required for testing webhooks; webhooks will also fire in Sandbox under the same conditions that they would in Production (except for webhooks of type `TRANSFER`).
     # @param sandbox_item_fire_webhook_request [SandboxItemFireWebhookRequest] 
     # @param [Hash] opts the optional parameters
     # @return [SandboxItemFireWebhookResponse]
@@ -11454,7 +12053,7 @@ module Plaid
     end
 
     # Fire a test webhook
-    # The &#x60;/sandbox/item/fire_webhook&#x60; endpoint is used to test that code correctly handles webhooks. This endpoint can trigger the following webhooks:  &#x60;DEFAULT_UPDATE&#x60;: Webhook to be fired for a given Sandbox Item simulating a default update event for the respective product as specified with the &#x60;webhook_type&#x60; in the request body. Valid sandbox &#x60;DEFAULT_UPDATE&#x60; responses include: &#x60;AUTH&#x60;, &#x60;IDENTITY&#x60;, &#x60;TRANSACTIONS&#x60;, &#x60;INVESTMENTS_TRANSACTIONS&#x60;, &#x60;LIABILITIES&#x60;, &#x60;HOLDINGS&#x60;. If the Item does not support the product, a &#x60;SANDBOX_PRODUCT_NOT_ENABLED&#x60; error will result.  &#x60;NEW_ACCOUNTS_AVAILABLE&#x60;: Webhook to be fired for a given Sandbox Item created with Account Select v2.  &#x60;SMS_MICRODEPOSITS_VERIFICATION&#x60;: Fired when a given same day micro-deposit item is verified via SMS verification.  &#x60;LOGIN_REPAIRED&#x60;: Fired when an Item recovers from the &#x60;ITEM_LOGIN_REQUIRED&#x60; without the user going through update mode in your app.  &#x60;RECURRING_TRANSACTIONS_UPDATE&#x60;: Recurring Transactions webhook to be fired for a given Sandbox Item. If the Item does not support Recurring Transactions, a &#x60;SANDBOX_PRODUCT_NOT_ENABLED&#x60; error will result.  &#x60;SYNC_UPDATES_AVAILABLE&#x60;: Transactions webhook to be fired for a given Sandbox Item.  If the Item does not support Transactions, a &#x60;SANDBOX_PRODUCT_NOT_ENABLED&#x60; error will result.  &#x60;PRODUCT_READY&#x60;: Assets webhook to be fired when a given asset report has been successfully generated. If the Item does not support Assets, a &#x60;SANDBOX_PRODUCT_NOT_ENABLED&#x60; error will result.  &#x60;ERROR&#x60;: Assets webhook to be fired when asset report generation has failed. If the Item does not support Assets, a &#x60;SANDBOX_PRODUCT_NOT_ENABLED&#x60; error will result.  Note that this endpoint is provided for developer ease-of-use and is not required for testing webhooks; webhooks will also fire in Sandbox under the same conditions that they would in Production or Development (except for webhooks of type &#x60;TRANSFER&#x60;).
+    # The &#x60;/sandbox/item/fire_webhook&#x60; endpoint is used to test that code correctly handles webhooks. This endpoint can trigger the following webhooks:  &#x60;DEFAULT_UPDATE&#x60;: Webhook to be fired for a given Sandbox Item simulating a default update event for the respective product as specified with the &#x60;webhook_type&#x60; in the request body. Valid sandbox &#x60;DEFAULT_UPDATE&#x60; responses include: &#x60;AUTH&#x60;, &#x60;IDENTITY&#x60;, &#x60;TRANSACTIONS&#x60;, &#x60;INVESTMENTS_TRANSACTIONS&#x60;, &#x60;LIABILITIES&#x60;, &#x60;HOLDINGS&#x60;. If the Item does not support the product, a &#x60;SANDBOX_PRODUCT_NOT_ENABLED&#x60; error will result.  &#x60;NEW_ACCOUNTS_AVAILABLE&#x60;: Fired to indicate that a new account is available on the Item and you can launch update mode to request access to it.  &#x60;SMS_MICRODEPOSITS_VERIFICATION&#x60;: Fired when a given same day micro-deposit item is verified via SMS verification.  &#x60;LOGIN_REPAIRED&#x60;: Fired when an Item recovers from the &#x60;ITEM_LOGIN_REQUIRED&#x60; without the user going through update mode in your app.  &#x60;RECURRING_TRANSACTIONS_UPDATE&#x60;: Recurring Transactions webhook to be fired for a given Sandbox Item. If the Item does not support Recurring Transactions, a &#x60;SANDBOX_PRODUCT_NOT_ENABLED&#x60; error will result.  &#x60;SYNC_UPDATES_AVAILABLE&#x60;: Transactions webhook to be fired for a given Sandbox Item.  If the Item does not support Transactions, a &#x60;SANDBOX_PRODUCT_NOT_ENABLED&#x60; error will result.  &#x60;PRODUCT_READY&#x60;: Assets webhook to be fired when a given asset report has been successfully generated. If the Item does not support Assets, a &#x60;SANDBOX_PRODUCT_NOT_ENABLED&#x60; error will result.  &#x60;ERROR&#x60;: Assets webhook to be fired when asset report generation has failed. If the Item does not support Assets, a &#x60;SANDBOX_PRODUCT_NOT_ENABLED&#x60; error will result.  Note that this endpoint is provided for developer ease-of-use and is not required for testing webhooks; webhooks will also fire in Sandbox under the same conditions that they would in Production (except for webhooks of type &#x60;TRANSFER&#x60;).
     # @param sandbox_item_fire_webhook_request [SandboxItemFireWebhookRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(SandboxItemFireWebhookResponse, Integer, Hash)>] SandboxItemFireWebhookResponse data, response status code and response headers
@@ -11852,7 +12451,7 @@ module Plaid
     end
 
     # Create a test Item
-    # Use the `/sandbox/public_token/create` endpoint to create a valid `public_token`  for an arbitrary institution ID, initial products, and test credentials. The created `public_token` maps to a new Sandbox Item. You can then call `/item/public_token/exchange` to exchange the `public_token` for an `access_token` and perform all API actions. `/sandbox/public_token/create` can also be used with the [`user_custom` test username](https://plaid.com/docs/sandbox/user-custom) to generate a test account with custom data. `/sandbox/public_token/create` cannot be used with OAuth institutions.
+    # Use the `/sandbox/public_token/create` endpoint to create a valid `public_token`  for an arbitrary institution ID, initial products, and test credentials. The created `public_token` maps to a new Sandbox Item. You can then call `/item/public_token/exchange` to exchange the `public_token` for an `access_token` and perform all API actions. `/sandbox/public_token/create` can also be used with the [`user_custom` test username](https://plaid.com/docs/sandbox/user-custom) to generate a test account with custom data, or with Plaid's [pre-populated Sandbox test accounts](https://plaid.com/docs/sandbox/test-credentials/).
     # @param sandbox_public_token_create_request [SandboxPublicTokenCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [SandboxPublicTokenCreateResponse]
@@ -11862,7 +12461,7 @@ module Plaid
     end
 
     # Create a test Item
-    # Use the &#x60;/sandbox/public_token/create&#x60; endpoint to create a valid &#x60;public_token&#x60;  for an arbitrary institution ID, initial products, and test credentials. The created &#x60;public_token&#x60; maps to a new Sandbox Item. You can then call &#x60;/item/public_token/exchange&#x60; to exchange the &#x60;public_token&#x60; for an &#x60;access_token&#x60; and perform all API actions. &#x60;/sandbox/public_token/create&#x60; can also be used with the [&#x60;user_custom&#x60; test username](https://plaid.com/docs/sandbox/user-custom) to generate a test account with custom data. &#x60;/sandbox/public_token/create&#x60; cannot be used with OAuth institutions.
+    # Use the &#x60;/sandbox/public_token/create&#x60; endpoint to create a valid &#x60;public_token&#x60;  for an arbitrary institution ID, initial products, and test credentials. The created &#x60;public_token&#x60; maps to a new Sandbox Item. You can then call &#x60;/item/public_token/exchange&#x60; to exchange the &#x60;public_token&#x60; for an &#x60;access_token&#x60; and perform all API actions. &#x60;/sandbox/public_token/create&#x60; can also be used with the [&#x60;user_custom&#x60; test username](https://plaid.com/docs/sandbox/user-custom) to generate a test account with custom data, or with Plaid&#39;s [pre-populated Sandbox test accounts](https://plaid.com/docs/sandbox/test-credentials/).
     # @param sandbox_public_token_create_request [SandboxPublicTokenCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(SandboxPublicTokenCreateResponse, Integer, Hash)>] SandboxPublicTokenCreateResponse data, response status code and response headers
@@ -12735,31 +13334,31 @@ module Plaid
       return data, status_code, headers
     end
 
-    # Retrieve User Account
-    # Returns user permissioned account data including identity and item access tokens.
-    # @param user_account_session_get_request [UserAccountSessionGetRequest] 
+    # Force item(s) for a Sandbox User into an error state
+    # `/sandbox/user/reset_login/` functions the same as `/sandbox/item/reset_login`, but will modify Items related to a User. This endpoint forces each Item into an `ITEM_LOGIN_REQUIRED` state in order to simulate an Item whose login is no longer valid. This makes it easy to test Link's [update mode](https://plaid.com/docs/link/update-mode) flow in the Sandbox environment.  After calling `/sandbox/user/reset_login`, You can then use Plaid Link update mode to restore Items associated with the User to a good state. An `ITEM_LOGIN_REQUIRED` webhook will also be fired after a call to this endpoint, if one is associated with the Item.   In the Sandbox, Items will transition to an `ITEM_LOGIN_REQUIRED` error state automatically after 30 days, even if this endpoint is not called.
+    # @param sandbox_user_reset_login_request [SandboxUserResetLoginRequest] 
     # @param [Hash] opts the optional parameters
-    # @return [UserAccountSessionGetResponse]
-    def session_get(user_account_session_get_request, opts = {})
-      data, _status_code, _headers = session_get_with_http_info(user_account_session_get_request, opts)
+    # @return [SandboxUserResetLoginResponse]
+    def sandbox_user_reset_login(sandbox_user_reset_login_request, opts = {})
+      data, _status_code, _headers = sandbox_user_reset_login_with_http_info(sandbox_user_reset_login_request, opts)
       data
     end
 
-    # Retrieve User Account
-    # Returns user permissioned account data including identity and item access tokens.
-    # @param user_account_session_get_request [UserAccountSessionGetRequest] 
+    # Force item(s) for a Sandbox User into an error state
+    # &#x60;/sandbox/user/reset_login/&#x60; functions the same as &#x60;/sandbox/item/reset_login&#x60;, but will modify Items related to a User. This endpoint forces each Item into an &#x60;ITEM_LOGIN_REQUIRED&#x60; state in order to simulate an Item whose login is no longer valid. This makes it easy to test Link&#39;s [update mode](https://plaid.com/docs/link/update-mode) flow in the Sandbox environment.  After calling &#x60;/sandbox/user/reset_login&#x60;, You can then use Plaid Link update mode to restore Items associated with the User to a good state. An &#x60;ITEM_LOGIN_REQUIRED&#x60; webhook will also be fired after a call to this endpoint, if one is associated with the Item.   In the Sandbox, Items will transition to an &#x60;ITEM_LOGIN_REQUIRED&#x60; error state automatically after 30 days, even if this endpoint is not called.
+    # @param sandbox_user_reset_login_request [SandboxUserResetLoginRequest] 
     # @param [Hash] opts the optional parameters
-    # @return [Array<(UserAccountSessionGetResponse, Integer, Hash)>] UserAccountSessionGetResponse data, response status code and response headers
-    def session_get_with_http_info(user_account_session_get_request, opts = {})
+    # @return [Array<(SandboxUserResetLoginResponse, Integer, Hash)>] SandboxUserResetLoginResponse data, response status code and response headers
+    def sandbox_user_reset_login_with_http_info(sandbox_user_reset_login_request, opts = {})
       if @api_client.config.debugging
-        @api_client.config.logger.debug 'Calling API: PlaidApi.session_get ...'
+        @api_client.config.logger.debug 'Calling API: PlaidApi.sandbox_user_reset_login ...'
       end
-      # verify the required parameter 'user_account_session_get_request' is set
-      if @api_client.config.client_side_validation && user_account_session_get_request.nil?
-        fail ArgumentError, "Missing the required parameter 'user_account_session_get_request' when calling PlaidApi.session_get"
+      # verify the required parameter 'sandbox_user_reset_login_request' is set
+      if @api_client.config.client_side_validation && sandbox_user_reset_login_request.nil?
+        fail ArgumentError, "Missing the required parameter 'sandbox_user_reset_login_request' when calling PlaidApi.sandbox_user_reset_login"
       end
       # resource path
-      local_var_path = '/user_account/session/get'
+      local_var_path = '/sandbox/user/reset_login'
 
       # query parameters
       query_params = opts[:query_params] || {}
@@ -12778,16 +13377,16 @@ module Plaid
       form_params = opts[:form_params] || {}
 
       # http body (model)
-      post_body = opts[:debug_body] || @api_client.object_to_http_body(user_account_session_get_request)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(sandbox_user_reset_login_request)
 
       # return_type
-      return_type = opts[:debug_return_type] || 'UserAccountSessionGetResponse'
+      return_type = opts[:debug_return_type] || 'SandboxUserResetLoginResponse'
 
       # auth_names
       auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
 
       new_options = opts.merge(
-        :operation => :"PlaidApi.session_get",
+        :operation => :"PlaidApi.sandbox_user_reset_login",
         :header_params => header_params,
         :query_params => query_params,
         :form_params => form_params,
@@ -12798,7 +13397,7 @@ module Plaid
 
       data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
       if @api_client.config.debugging
-        @api_client.config.logger.debug "API called: PlaidApi#session_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+        @api_client.config.logger.debug "API called: PlaidApi#sandbox_user_reset_login\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
       end
       return data, status_code, headers
     end
@@ -13484,7 +14083,7 @@ module Plaid
     end
 
     # Fetch recurring transaction streams
-    # The `/transactions/recurring/get` endpoint allows developers to receive a summary of the recurring outflow and inflow streams (expenses and deposits) from a user’s checking, savings or credit card accounts. Additionally, Plaid provides key insights about each recurring stream including the category, merchant, last amount, and more. Developers can use these insights to build tools and experiences that help their users better manage cash flow, monitor subscriptions, reduce spend, and stay on track with bill payments.  This endpoint is offered as an add-on to Transactions. To request access to this endpoint, submit a [product access request](https://dashboard.plaid.com/team/products) or contact your Plaid account manager.  This endpoint can only be called on an Item that has already been initialized with Transactions (either during Link, by specifying it in `/link/token/create`; or after Link, by calling `/transactions/get` or `/transactions/sync`). For optimal results, we strongly recommend customers using Recurring Transactions to request at least 180 days of history when initializing items with Transactions (using the [`days_requested`](https://plaid.com/docs/api/tokens/#link-token-create-request-transactions-days-requested) option). Once all historical transactions have been fetched, call `/transactions/recurring/get` to receive the Recurring Transactions streams and subscribe to the [`RECURRING_TRANSACTIONS_UPDATE`](https://plaid.com/docs/api/products/transactions/#recurring_transactions_update) webhook. To know when historical transactions have been fetched, if you are using `/transactions/sync` listen for the [`SYNC_UPDATES_AVAILABLE`](https://plaid.com/docs/api/products/transactions/#SyncUpdatesAvailableWebhook-historical-update-complete) webhook and check that the `historical_update_complete` field in the payload is `true`. If using `/transactions/get`, listen for the [`HISTORICAL_UPDATE`](https://plaid.com/docs/api/products/transactions/#historical_update) webhook.  After the initial call, you can call `/transactions/recurring/get` endpoint at any point in the future to retrieve the latest summary of recurring streams. Listen to the [`RECURRING_TRANSACTIONS_UPDATE`](https://plaid.com/docs/api/products/transactions/#recurring_transactions_update) webhook to be notified when new updates are available.
+    # The `/transactions/recurring/get` endpoint allows developers to receive a summary of the recurring outflow and inflow streams (expenses and deposits) from a user’s checking, savings or credit card accounts. Additionally, Plaid provides key insights about each recurring stream including the category, merchant, last amount, and more. Developers can use these insights to build tools and experiences that help their users better manage cash flow, monitor subscriptions, reduce spend, and stay on track with bill payments.  This endpoint is offered as an add-on to Transactions. To request access to this endpoint, submit a [product access request](https://dashboard.plaid.com/team/products) or contact your Plaid account manager.  This endpoint can only be called on an Item that has already been initialized with Transactions (either during Link, by specifying it in `/link/token/create`; or after Link, by calling `/transactions/get` or `/transactions/sync`).   When using Recurring Transactions, for best results, make sure to use the [`days_requested`](https://plaid.com/docs/api/link/#link-token-create-request-transactions-days-requested) parameter to request at least 180 days of history when initializing Items with Transactions. Once all historical transactions have been fetched, call `/transactions/recurring/get` to receive the Recurring Transactions streams and subscribe to the [`RECURRING_TRANSACTIONS_UPDATE`](https://plaid.com/docs/api/products/transactions/#recurring_transactions_update) webhook. To know when historical transactions have been fetched, if you are using `/transactions/sync` listen for the [`SYNC_UPDATES_AVAILABLE`](https://plaid.com/docs/api/products/transactions/#SyncUpdatesAvailableWebhook-historical-update-complete) webhook and check that the `historical_update_complete` field in the payload is `true`. If using `/transactions/get`, listen for the [`HISTORICAL_UPDATE`](https://plaid.com/docs/api/products/transactions/#historical_update) webhook.  After the initial call, you can call `/transactions/recurring/get` endpoint at any point in the future to retrieve the latest summary of recurring streams. Listen to the [`RECURRING_TRANSACTIONS_UPDATE`](https://plaid.com/docs/api/products/transactions/#recurring_transactions_update) webhook to be notified when new updates are available.
     # @param transactions_recurring_get_request [TransactionsRecurringGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [TransactionsRecurringGetResponse]
@@ -13494,7 +14093,7 @@ module Plaid
     end
 
     # Fetch recurring transaction streams
-    # The &#x60;/transactions/recurring/get&#x60; endpoint allows developers to receive a summary of the recurring outflow and inflow streams (expenses and deposits) from a user’s checking, savings or credit card accounts. Additionally, Plaid provides key insights about each recurring stream including the category, merchant, last amount, and more. Developers can use these insights to build tools and experiences that help their users better manage cash flow, monitor subscriptions, reduce spend, and stay on track with bill payments.  This endpoint is offered as an add-on to Transactions. To request access to this endpoint, submit a [product access request](https://dashboard.plaid.com/team/products) or contact your Plaid account manager.  This endpoint can only be called on an Item that has already been initialized with Transactions (either during Link, by specifying it in &#x60;/link/token/create&#x60;; or after Link, by calling &#x60;/transactions/get&#x60; or &#x60;/transactions/sync&#x60;). For optimal results, we strongly recommend customers using Recurring Transactions to request at least 180 days of history when initializing items with Transactions (using the [&#x60;days_requested&#x60;](https://plaid.com/docs/api/tokens/#link-token-create-request-transactions-days-requested) option). Once all historical transactions have been fetched, call &#x60;/transactions/recurring/get&#x60; to receive the Recurring Transactions streams and subscribe to the [&#x60;RECURRING_TRANSACTIONS_UPDATE&#x60;](https://plaid.com/docs/api/products/transactions/#recurring_transactions_update) webhook. To know when historical transactions have been fetched, if you are using &#x60;/transactions/sync&#x60; listen for the [&#x60;SYNC_UPDATES_AVAILABLE&#x60;](https://plaid.com/docs/api/products/transactions/#SyncUpdatesAvailableWebhook-historical-update-complete) webhook and check that the &#x60;historical_update_complete&#x60; field in the payload is &#x60;true&#x60;. If using &#x60;/transactions/get&#x60;, listen for the [&#x60;HISTORICAL_UPDATE&#x60;](https://plaid.com/docs/api/products/transactions/#historical_update) webhook.  After the initial call, you can call &#x60;/transactions/recurring/get&#x60; endpoint at any point in the future to retrieve the latest summary of recurring streams. Listen to the [&#x60;RECURRING_TRANSACTIONS_UPDATE&#x60;](https://plaid.com/docs/api/products/transactions/#recurring_transactions_update) webhook to be notified when new updates are available.
+    # The &#x60;/transactions/recurring/get&#x60; endpoint allows developers to receive a summary of the recurring outflow and inflow streams (expenses and deposits) from a user’s checking, savings or credit card accounts. Additionally, Plaid provides key insights about each recurring stream including the category, merchant, last amount, and more. Developers can use these insights to build tools and experiences that help their users better manage cash flow, monitor subscriptions, reduce spend, and stay on track with bill payments.  This endpoint is offered as an add-on to Transactions. To request access to this endpoint, submit a [product access request](https://dashboard.plaid.com/team/products) or contact your Plaid account manager.  This endpoint can only be called on an Item that has already been initialized with Transactions (either during Link, by specifying it in &#x60;/link/token/create&#x60;; or after Link, by calling &#x60;/transactions/get&#x60; or &#x60;/transactions/sync&#x60;).   When using Recurring Transactions, for best results, make sure to use the [&#x60;days_requested&#x60;](https://plaid.com/docs/api/link/#link-token-create-request-transactions-days-requested) parameter to request at least 180 days of history when initializing Items with Transactions. Once all historical transactions have been fetched, call &#x60;/transactions/recurring/get&#x60; to receive the Recurring Transactions streams and subscribe to the [&#x60;RECURRING_TRANSACTIONS_UPDATE&#x60;](https://plaid.com/docs/api/products/transactions/#recurring_transactions_update) webhook. To know when historical transactions have been fetched, if you are using &#x60;/transactions/sync&#x60; listen for the [&#x60;SYNC_UPDATES_AVAILABLE&#x60;](https://plaid.com/docs/api/products/transactions/#SyncUpdatesAvailableWebhook-historical-update-complete) webhook and check that the &#x60;historical_update_complete&#x60; field in the payload is &#x60;true&#x60;. If using &#x60;/transactions/get&#x60;, listen for the [&#x60;HISTORICAL_UPDATE&#x60;](https://plaid.com/docs/api/products/transactions/#historical_update) webhook.  After the initial call, you can call &#x60;/transactions/recurring/get&#x60; endpoint at any point in the future to retrieve the latest summary of recurring streams. Listen to the [&#x60;RECURRING_TRANSACTIONS_UPDATE&#x60;](https://plaid.com/docs/api/products/transactions/#recurring_transactions_update) webhook to be notified when new updates are available.
     # @param transactions_recurring_get_request [TransactionsRecurringGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(TransactionsRecurringGetResponse, Integer, Hash)>] TransactionsRecurringGetResponse data, response status code and response headers
@@ -14028,7 +14627,7 @@ module Plaid
     end
 
     # Create a transfer authorization
-    # Use the `/transfer/authorization/create` endpoint to authorize a transfer. This endpoint must be called prior to calling `/transfer/create`.  There are three possible outcomes to calling this endpoint: If the `authorization.decision` in the response is `declined`, the proposed transfer has failed the risk check and you cannot proceed with the transfer. If the `authorization.decision` is `approved`, and the `authorization.rationale_code` is `null`, the transfer has passed the risk check and you can proceed to call `/transfer/create`. If the `authorization.decision` is `approved` and the `authorization.rationale_code` is non-`null`, the risk check could not be run: you may proceed with the transfer, but should perform your own risk evaluation. For more details, see the response schema.  In Plaid's Sandbox environment the decisions will be returned as follows:    - To approve a transfer with `null` rationale code, make an authorization request with an `amount` less than the available balance in the account.    - To approve a transfer with the rationale code `MANUALLY_VERIFIED_ITEM`, create an Item in Link through the [Same Day Micro-deposits flow](https://plaid.com/docs/auth/coverage/testing/#testing-same-day-micro-deposits).    - To approve a transfer with the rationale code `ITEM_LOGIN_REQUIRED`, [reset the login for an Item](https://plaid.com/docs/sandbox/#item_login_required).    - To decline a transfer with the rationale code `NSF`, the available balance on the account must be less than the authorization `amount`. See [Create Sandbox test data](https://plaid.com/docs/sandbox/user-custom/) for details on how to customize data in Sandbox.    - To decline a transfer with the rationale code `RISK`, the available balance on the account must be exactly $0. See [Create Sandbox test data](https://plaid.com/docs/sandbox/user-custom/) for details on how to customize data in Sandbox.
+    # Use the `/transfer/authorization/create` endpoint to authorize a transfer. This endpoint must be called prior to calling `/transfer/create`. The transfer authorization will expire if not used after one hour. (You can contact your account manager to change the default authorization lifetime.)   There are four possible outcomes to calling this endpoint:  - If the `authorization.decision` in the response is `declined`, the proposed transfer has failed the risk check and you cannot proceed with the transfer.  - If the `authorization.decision` is `user_action_required`, additional user input is needed, usually to fix a broken bank connection, before Plaid can properly assess the risk. You need to launch Link in update mode to complete the required user action. When calling `/link/token/create` to get a new Link token, instead of providing `access_token` in the request, you should set [`transfer.authorization_id`](https://plaid.com/docs/api/link/#link-token-create-request-transfer-authorization-id) as the `authorization.id`. After the Link flow is completed, you may re-attempt the authorization. - If the `authorization.decision` is `approved`, and the `authorization.rationale_code` is `null`, the transfer has passed the risk check and you can proceed to call `/transfer/create`. - If the `authorization.decision` is `approved` and the `authorization.rationale_code` is non-`null`, the risk check could not be run: you may proceed with the transfer, but should perform your own risk evaluation. For more details, see the response schema.  In Plaid's Sandbox environment the decisions will be returned as follows:    - To approve a transfer with `null` rationale code, make an authorization request with an `amount` less than the available balance in the account.    - To approve a transfer with the rationale code `MANUALLY_VERIFIED_ITEM`, create an Item in Link through the [Same Day Micro-deposits flow](https://plaid.com/docs/auth/coverage/testing/#testing-same-day-micro-deposits).    - To get an authorization decision of `user_action_required`, [reset the login for an Item](https://plaid.com/docs/sandbox/#item_login_required).    - To decline a transfer with the rationale code `NSF`, the available balance on the account must be less than the authorization `amount`. See [Create Sandbox test data](https://plaid.com/docs/sandbox/user-custom/) for details on how to customize data in Sandbox.    - To decline a transfer with the rationale code `RISK`, the available balance on the account must be exactly $0. See [Create Sandbox test data](https://plaid.com/docs/sandbox/user-custom/) for details on how to customize data in Sandbox.
     # @param transfer_authorization_create_request [TransferAuthorizationCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [TransferAuthorizationCreateResponse]
@@ -14038,7 +14637,7 @@ module Plaid
     end
 
     # Create a transfer authorization
-    # Use the &#x60;/transfer/authorization/create&#x60; endpoint to authorize a transfer. This endpoint must be called prior to calling &#x60;/transfer/create&#x60;.  There are three possible outcomes to calling this endpoint: If the &#x60;authorization.decision&#x60; in the response is &#x60;declined&#x60;, the proposed transfer has failed the risk check and you cannot proceed with the transfer. If the &#x60;authorization.decision&#x60; is &#x60;approved&#x60;, and the &#x60;authorization.rationale_code&#x60; is &#x60;null&#x60;, the transfer has passed the risk check and you can proceed to call &#x60;/transfer/create&#x60;. If the &#x60;authorization.decision&#x60; is &#x60;approved&#x60; and the &#x60;authorization.rationale_code&#x60; is non-&#x60;null&#x60;, the risk check could not be run: you may proceed with the transfer, but should perform your own risk evaluation. For more details, see the response schema.  In Plaid&#39;s Sandbox environment the decisions will be returned as follows:    - To approve a transfer with &#x60;null&#x60; rationale code, make an authorization request with an &#x60;amount&#x60; less than the available balance in the account.    - To approve a transfer with the rationale code &#x60;MANUALLY_VERIFIED_ITEM&#x60;, create an Item in Link through the [Same Day Micro-deposits flow](https://plaid.com/docs/auth/coverage/testing/#testing-same-day-micro-deposits).    - To approve a transfer with the rationale code &#x60;ITEM_LOGIN_REQUIRED&#x60;, [reset the login for an Item](https://plaid.com/docs/sandbox/#item_login_required).    - To decline a transfer with the rationale code &#x60;NSF&#x60;, the available balance on the account must be less than the authorization &#x60;amount&#x60;. See [Create Sandbox test data](https://plaid.com/docs/sandbox/user-custom/) for details on how to customize data in Sandbox.    - To decline a transfer with the rationale code &#x60;RISK&#x60;, the available balance on the account must be exactly $0. See [Create Sandbox test data](https://plaid.com/docs/sandbox/user-custom/) for details on how to customize data in Sandbox.
+    # Use the &#x60;/transfer/authorization/create&#x60; endpoint to authorize a transfer. This endpoint must be called prior to calling &#x60;/transfer/create&#x60;. The transfer authorization will expire if not used after one hour. (You can contact your account manager to change the default authorization lifetime.)   There are four possible outcomes to calling this endpoint:  - If the &#x60;authorization.decision&#x60; in the response is &#x60;declined&#x60;, the proposed transfer has failed the risk check and you cannot proceed with the transfer.  - If the &#x60;authorization.decision&#x60; is &#x60;user_action_required&#x60;, additional user input is needed, usually to fix a broken bank connection, before Plaid can properly assess the risk. You need to launch Link in update mode to complete the required user action. When calling &#x60;/link/token/create&#x60; to get a new Link token, instead of providing &#x60;access_token&#x60; in the request, you should set [&#x60;transfer.authorization_id&#x60;](https://plaid.com/docs/api/link/#link-token-create-request-transfer-authorization-id) as the &#x60;authorization.id&#x60;. After the Link flow is completed, you may re-attempt the authorization. - If the &#x60;authorization.decision&#x60; is &#x60;approved&#x60;, and the &#x60;authorization.rationale_code&#x60; is &#x60;null&#x60;, the transfer has passed the risk check and you can proceed to call &#x60;/transfer/create&#x60;. - If the &#x60;authorization.decision&#x60; is &#x60;approved&#x60; and the &#x60;authorization.rationale_code&#x60; is non-&#x60;null&#x60;, the risk check could not be run: you may proceed with the transfer, but should perform your own risk evaluation. For more details, see the response schema.  In Plaid&#39;s Sandbox environment the decisions will be returned as follows:    - To approve a transfer with &#x60;null&#x60; rationale code, make an authorization request with an &#x60;amount&#x60; less than the available balance in the account.    - To approve a transfer with the rationale code &#x60;MANUALLY_VERIFIED_ITEM&#x60;, create an Item in Link through the [Same Day Micro-deposits flow](https://plaid.com/docs/auth/coverage/testing/#testing-same-day-micro-deposits).    - To get an authorization decision of &#x60;user_action_required&#x60;, [reset the login for an Item](https://plaid.com/docs/sandbox/#item_login_required).    - To decline a transfer with the rationale code &#x60;NSF&#x60;, the available balance on the account must be less than the authorization &#x60;amount&#x60;. See [Create Sandbox test data](https://plaid.com/docs/sandbox/user-custom/) for details on how to customize data in Sandbox.    - To decline a transfer with the rationale code &#x60;RISK&#x60;, the available balance on the account must be exactly $0. See [Create Sandbox test data](https://plaid.com/docs/sandbox/user-custom/) for details on how to customize data in Sandbox.
     # @param transfer_authorization_create_request [TransferAuthorizationCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(TransferAuthorizationCreateResponse, Integer, Hash)>] TransferAuthorizationCreateResponse data, response status code and response headers
@@ -14368,7 +14967,7 @@ module Plaid
     end
 
     # Create a transfer
-    # Use the `/transfer/create` endpoint to initiate a new transfer.
+    # Use the `/transfer/create` endpoint to initiate a new transfer. This endpoint is retryable and idempotent; if a transfer with the provided `transfer_id` has already been created, it will return the transfer details without creating a new transfer. A transfer may still be created if a 500 error is returned; to detect this scenario, use [Transfer events](https://plaid.com/docs/transfer/reconciling-transfers/).
     # @param transfer_create_request [TransferCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [TransferCreateResponse]
@@ -14378,7 +14977,7 @@ module Plaid
     end
 
     # Create a transfer
-    # Use the &#x60;/transfer/create&#x60; endpoint to initiate a new transfer.
+    # Use the &#x60;/transfer/create&#x60; endpoint to initiate a new transfer. This endpoint is retryable and idempotent; if a transfer with the provided &#x60;transfer_id&#x60; has already been created, it will return the transfer details without creating a new transfer. A transfer may still be created if a 500 error is returned; to detect this scenario, use [Transfer events](https://plaid.com/docs/transfer/reconciling-transfers/).
     # @param transfer_create_request [TransferCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(TransferCreateResponse, Integer, Hash)>] TransferCreateResponse data, response status code and response headers
@@ -15320,7 +15919,7 @@ module Plaid
     end
 
     # Migrate account into Transfers
-    # As an alternative to adding Items via Link, you can also use the `/transfer/migrate_account` endpoint to migrate known account and routing numbers to Plaid Items. If you intend to create wire transfers on this account, you must provide `wire_routing_number`. Note that Items created in this way are not compatible with endpoints for other products, such as `/accounts/balance/get`, and can only be used with Transfer endpoints.  If you require access to other endpoints, create the Item through Link instead.  Access to `/transfer/migrate_account` is not enabled by default; to obtain access, contact your Plaid Account Manager.
+    # As an alternative to adding Items via Link, you can also use the `/transfer/migrate_account` endpoint to migrate known account and routing numbers to Plaid Items. This endpoint is also required when adding an Item for use with wire transfers; if you intend to create wire transfers on this account, you must provide `wire_routing_number`. Note that Items created in this way are not compatible with endpoints for other products, such as `/accounts/balance/get`, and can only be used with Transfer endpoints.  If you require access to other endpoints, create the Item through Link instead.  Access to `/transfer/migrate_account` is not enabled by default; to obtain access, contact your Plaid Account Manager.
     # @param transfer_migrate_account_request [TransferMigrateAccountRequest] 
     # @param [Hash] opts the optional parameters
     # @return [TransferMigrateAccountResponse]
@@ -15330,7 +15929,7 @@ module Plaid
     end
 
     # Migrate account into Transfers
-    # As an alternative to adding Items via Link, you can also use the &#x60;/transfer/migrate_account&#x60; endpoint to migrate known account and routing numbers to Plaid Items. If you intend to create wire transfers on this account, you must provide &#x60;wire_routing_number&#x60;. Note that Items created in this way are not compatible with endpoints for other products, such as &#x60;/accounts/balance/get&#x60;, and can only be used with Transfer endpoints.  If you require access to other endpoints, create the Item through Link instead.  Access to &#x60;/transfer/migrate_account&#x60; is not enabled by default; to obtain access, contact your Plaid Account Manager.
+    # As an alternative to adding Items via Link, you can also use the &#x60;/transfer/migrate_account&#x60; endpoint to migrate known account and routing numbers to Plaid Items. This endpoint is also required when adding an Item for use with wire transfers; if you intend to create wire transfers on this account, you must provide &#x60;wire_routing_number&#x60;. Note that Items created in this way are not compatible with endpoints for other products, such as &#x60;/accounts/balance/get&#x60;, and can only be used with Transfer endpoints.  If you require access to other endpoints, create the Item through Link instead.  Access to &#x60;/transfer/migrate_account&#x60; is not enabled by default; to obtain access, contact your Plaid Account Manager.
     # @param transfer_migrate_account_request [TransferMigrateAccountRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(TransferMigrateAccountResponse, Integer, Hash)>] TransferMigrateAccountResponse data, response status code and response headers
@@ -15659,6 +16258,74 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Create an originator for scaled platform customers
+    # The `/transfer/platform/originator/create` endpoint allows gathering information about the originator specific to the Scaled Platform Transfer offering, including the originator's agreement to legal terms required before accepting any further information related to the originator.
+    # @param transfer_platform_originator_create_request [TransferPlatformOriginatorCreateRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [TransferPlatformOriginatorCreateResponse]
+    def transfer_platform_originator_create(transfer_platform_originator_create_request, opts = {})
+      data, _status_code, _headers = transfer_platform_originator_create_with_http_info(transfer_platform_originator_create_request, opts)
+      data
+    end
+
+    # Create an originator for scaled platform customers
+    # The &#x60;/transfer/platform/originator/create&#x60; endpoint allows gathering information about the originator specific to the Scaled Platform Transfer offering, including the originator&#39;s agreement to legal terms required before accepting any further information related to the originator.
+    # @param transfer_platform_originator_create_request [TransferPlatformOriginatorCreateRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(TransferPlatformOriginatorCreateResponse, Integer, Hash)>] TransferPlatformOriginatorCreateResponse data, response status code and response headers
+    def transfer_platform_originator_create_with_http_info(transfer_platform_originator_create_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.transfer_platform_originator_create ...'
+      end
+      # verify the required parameter 'transfer_platform_originator_create_request' is set
+      if @api_client.config.client_side_validation && transfer_platform_originator_create_request.nil?
+        fail ArgumentError, "Missing the required parameter 'transfer_platform_originator_create_request' when calling PlaidApi.transfer_platform_originator_create"
+      end
+      # resource path
+      local_var_path = '/transfer/platform/originator/create'
+
+      # query parameters
+      query_params = opts[:query_params] || {}
+
+      # header parameters
+      header_params = opts[:header_params] || {}
+      # HTTP header 'Accept' (if needed)
+      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
+      # HTTP header 'Content-Type'
+      content_type = @api_client.select_header_content_type(['application/json'])
+      if !content_type.nil?
+          header_params['Content-Type'] = content_type
+      end
+
+      # form parameters
+      form_params = opts[:form_params] || {}
+
+      # http body (model)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(transfer_platform_originator_create_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'TransferPlatformOriginatorCreateResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.transfer_platform_originator_create",
+        :header_params => header_params,
+        :query_params => query_params,
+        :form_params => form_params,
+        :body => post_body,
+        :auth_names => auth_names,
+        :return_type => return_type
+      )
+
+      data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
+      if @api_client.config.debugging
+        @api_client.config.logger.debug "API called: PlaidApi#transfer_platform_originator_create\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
     # Generate a Plaid-hosted onboarding UI URL.
     # The `/transfer/questionnaire/create` endpoint generates a Plaid-hosted onboarding UI URL. Redirect the originator to this URL to provide their due diligence information and agree to Plaid’s terms for ACH money movement.
     # @param transfer_questionnaire_create_request [TransferQuestionnaireCreateRequest] 
@@ -16475,8 +17142,76 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Retrieve User Account
+    # Returns user permissioned account data including identity and Item access tokens.
+    # @param user_account_session_get_request [UserAccountSessionGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [UserAccountSessionGetResponse]
+    def user_account_session_get(user_account_session_get_request, opts = {})
+      data, _status_code, _headers = user_account_session_get_with_http_info(user_account_session_get_request, opts)
+      data
+    end
+
+    # Retrieve User Account
+    # Returns user permissioned account data including identity and Item access tokens.
+    # @param user_account_session_get_request [UserAccountSessionGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(UserAccountSessionGetResponse, Integer, Hash)>] UserAccountSessionGetResponse data, response status code and response headers
+    def user_account_session_get_with_http_info(user_account_session_get_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.user_account_session_get ...'
+      end
+      # verify the required parameter 'user_account_session_get_request' is set
+      if @api_client.config.client_side_validation && user_account_session_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'user_account_session_get_request' when calling PlaidApi.user_account_session_get"
+      end
+      # resource path
+      local_var_path = '/user_account/session/get'
+
+      # query parameters
+      query_params = opts[:query_params] || {}
+
+      # header parameters
+      header_params = opts[:header_params] || {}
+      # HTTP header 'Accept' (if needed)
+      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
+      # HTTP header 'Content-Type'
+      content_type = @api_client.select_header_content_type(['application/json'])
+      if !content_type.nil?
+          header_params['Content-Type'] = content_type
+      end
+
+      # form parameters
+      form_params = opts[:form_params] || {}
+
+      # http body (model)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(user_account_session_get_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'UserAccountSessionGetResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.user_account_session_get",
+        :header_params => header_params,
+        :query_params => query_params,
+        :form_params => form_params,
+        :body => post_body,
+        :auth_names => auth_names,
+        :return_type => return_type
+      )
+
+      data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
+      if @api_client.config.debugging
+        @api_client.config.logger.debug "API called: PlaidApi#user_account_session_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
     # Create user
-    # This endpoint should be called for each of your end users before they begin a Plaid income flow. This provides you a single token to access all income data associated with the user. You should only create one per end user.  If you call the endpoint multiple times with the same `client_user_id`, the first creation call will succeed and the rest will fail with an error message indicating that the user has been created for the given `client_user_id`.  Ensure that you store the `user_token` along with your user's identifier in your database, as it is not possible to retrieve a previously created `user_token`.
+    # This endpoint should be called for each of your end users before they begin a Plaid Check or Income flow, or a Multi-Item Link flow. This provides you a single token to access all data associated with the user. You should only create one per end user.  The `consumer_report_user_identity` object must be present in order to create a Plaid Check Consumer Report for a user. If it is not provided during the `/user/create` call, it can be added later by calling `/user/update`.  If you call the endpoint multiple times with the same `client_user_id`, the first creation call will succeed and the rest will fail with an error message indicating that the user has been created for the given `client_user_id`.  Ensure that you store the `user_token` along with your user's identifier in your database, as it is not possible to retrieve a previously created `user_token`.
     # @param user_create_request [UserCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [UserCreateResponse]
@@ -16486,7 +17221,7 @@ module Plaid
     end
 
     # Create user
-    # This endpoint should be called for each of your end users before they begin a Plaid income flow. This provides you a single token to access all income data associated with the user. You should only create one per end user.  If you call the endpoint multiple times with the same &#x60;client_user_id&#x60;, the first creation call will succeed and the rest will fail with an error message indicating that the user has been created for the given &#x60;client_user_id&#x60;.  Ensure that you store the &#x60;user_token&#x60; along with your user&#39;s identifier in your database, as it is not possible to retrieve a previously created &#x60;user_token&#x60;.
+    # This endpoint should be called for each of your end users before they begin a Plaid Check or Income flow, or a Multi-Item Link flow. This provides you a single token to access all data associated with the user. You should only create one per end user.  The &#x60;consumer_report_user_identity&#x60; object must be present in order to create a Plaid Check Consumer Report for a user. If it is not provided during the &#x60;/user/create&#x60; call, it can be added later by calling &#x60;/user/update&#x60;.  If you call the endpoint multiple times with the same &#x60;client_user_id&#x60;, the first creation call will succeed and the rest will fail with an error message indicating that the user has been created for the given &#x60;client_user_id&#x60;.  Ensure that you store the &#x60;user_token&#x60; along with your user&#39;s identifier in your database, as it is not possible to retrieve a previously created &#x60;user_token&#x60;.
     # @param user_create_request [UserCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(UserCreateResponse, Integer, Hash)>] UserCreateResponse data, response status code and response headers
@@ -16543,8 +17278,144 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Get Items associated with a User
+    # Returns Items associated with a User along with their corresponding statuses.
+    # @param user_items_get_request [UserItemsGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [UserItemsGetResponse]
+    def user_items_get(user_items_get_request, opts = {})
+      data, _status_code, _headers = user_items_get_with_http_info(user_items_get_request, opts)
+      data
+    end
+
+    # Get Items associated with a User
+    # Returns Items associated with a User along with their corresponding statuses.
+    # @param user_items_get_request [UserItemsGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(UserItemsGetResponse, Integer, Hash)>] UserItemsGetResponse data, response status code and response headers
+    def user_items_get_with_http_info(user_items_get_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.user_items_get ...'
+      end
+      # verify the required parameter 'user_items_get_request' is set
+      if @api_client.config.client_side_validation && user_items_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'user_items_get_request' when calling PlaidApi.user_items_get"
+      end
+      # resource path
+      local_var_path = '/user/items/get'
+
+      # query parameters
+      query_params = opts[:query_params] || {}
+
+      # header parameters
+      header_params = opts[:header_params] || {}
+      # HTTP header 'Accept' (if needed)
+      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
+      # HTTP header 'Content-Type'
+      content_type = @api_client.select_header_content_type(['application/json'])
+      if !content_type.nil?
+          header_params['Content-Type'] = content_type
+      end
+
+      # form parameters
+      form_params = opts[:form_params] || {}
+
+      # http body (model)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(user_items_get_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'UserItemsGetResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.user_items_get",
+        :header_params => header_params,
+        :query_params => query_params,
+        :form_params => form_params,
+        :body => post_body,
+        :auth_names => auth_names,
+        :return_type => return_type
+      )
+
+      data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
+      if @api_client.config.debugging
+        @api_client.config.logger.debug "API called: PlaidApi#user_items_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
+    # Remove user
+    # `/user/remove` deletes a user token and and associated information, including any Items associated with the token.  Any subsequent calls to retrieve information using the same user token will result in an error stating the user does not exist.
+    # @param user_remove_request [UserRemoveRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [UserRemoveResponse]
+    def user_remove(user_remove_request, opts = {})
+      data, _status_code, _headers = user_remove_with_http_info(user_remove_request, opts)
+      data
+    end
+
+    # Remove user
+    # &#x60;/user/remove&#x60; deletes a user token and and associated information, including any Items associated with the token.  Any subsequent calls to retrieve information using the same user token will result in an error stating the user does not exist.
+    # @param user_remove_request [UserRemoveRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(UserRemoveResponse, Integer, Hash)>] UserRemoveResponse data, response status code and response headers
+    def user_remove_with_http_info(user_remove_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.user_remove ...'
+      end
+      # verify the required parameter 'user_remove_request' is set
+      if @api_client.config.client_side_validation && user_remove_request.nil?
+        fail ArgumentError, "Missing the required parameter 'user_remove_request' when calling PlaidApi.user_remove"
+      end
+      # resource path
+      local_var_path = '/user/remove'
+
+      # query parameters
+      query_params = opts[:query_params] || {}
+
+      # header parameters
+      header_params = opts[:header_params] || {}
+      # HTTP header 'Accept' (if needed)
+      header_params['Accept'] = @api_client.select_header_accept(['application/json'])
+      # HTTP header 'Content-Type'
+      content_type = @api_client.select_header_content_type(['application/json'])
+      if !content_type.nil?
+          header_params['Content-Type'] = content_type
+      end
+
+      # form parameters
+      form_params = opts[:form_params] || {}
+
+      # http body (model)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(user_remove_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'UserRemoveResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.user_remove",
+        :header_params => header_params,
+        :query_params => query_params,
+        :form_params => form_params,
+        :body => post_body,
+        :auth_names => auth_names,
+        :return_type => return_type
+      )
+
+      data, status_code, headers = @api_client.call_api(:POST, local_var_path, new_options)
+      if @api_client.config.debugging
+        @api_client.config.logger.debug "API called: PlaidApi#user_remove\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
     # Update user information
-    # This endpoint is used to update user information associated with an existing `user_token`. The `user_token` should be in the response of `/user/create` call  If you call the endpoint with a non-exist `user_token`, the call will fail with an error message indicating that the user token is not found.
+    # This endpoint is used to update user information associated with an existing `user_token`. It can also be used to enable an existing `user_token` for use with Consumer Reports by Plaid Check, by adding a `consumer_report_user_identity` object to the user.
     # @param user_update_request [UserUpdateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [UserUpdateResponse]
@@ -16554,7 +17425,7 @@ module Plaid
     end
 
     # Update user information
-    # This endpoint is used to update user information associated with an existing &#x60;user_token&#x60;. The &#x60;user_token&#x60; should be in the response of &#x60;/user/create&#x60; call  If you call the endpoint with a non-exist &#x60;user_token&#x60;, the call will fail with an error message indicating that the user token is not found.
+    # This endpoint is used to update user information associated with an existing &#x60;user_token&#x60;. It can also be used to enable an existing &#x60;user_token&#x60; for use with Consumer Reports by Plaid Check, by adding a &#x60;consumer_report_user_identity&#x60; object to the user.
     # @param user_update_request [UserUpdateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(UserUpdateResponse, Integer, Hash)>] UserUpdateResponse data, response status code and response headers