plaid 40.0.0 → 42.0.0

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_1.641.1
+The version of the OpenAPI document: 2020-09-14_1.652.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0
@@ -2535,6 +2535,74 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Gets insights data in Cashflow Report
+    # The `/cashflow_report/insights/get` endpoint retrieves insights data associated with an item. Insights are only calculated on credit and depository accounts.
+    # @param cashflow_report_insights_get_request [CashflowReportInsightsGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [CashflowReportInsightsGetResponse]
+    def cashflow_report_insights_get(cashflow_report_insights_get_request, opts = {})
+      data, _status_code, _headers = cashflow_report_insights_get_with_http_info(cashflow_report_insights_get_request, opts)
+      data
+    end
+
+    # Gets insights data in Cashflow Report
+    # The `/cashflow_report/insights/get` endpoint retrieves insights data associated with an item. Insights are only calculated on credit and depository accounts.
+    # @param cashflow_report_insights_get_request [CashflowReportInsightsGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(CashflowReportInsightsGetResponse, Integer, Hash)>] CashflowReportInsightsGetResponse data, response status code and response headers
+    def cashflow_report_insights_get_with_http_info(cashflow_report_insights_get_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.cashflow_report_insights_get ...'
+      end
+      # verify the required parameter 'cashflow_report_insights_get_request' is set
+      if @api_client.config.client_side_validation && cashflow_report_insights_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'cashflow_report_insights_get_request' when calling PlaidApi.cashflow_report_insights_get"
+      end
+      # resource path
+      local_var_path = '/cashflow_report/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(cashflow_report_insights_get_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'CashflowReportInsightsGetResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.cashflow_report_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#cashflow_report_insights_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
     # Refresh transaction data in cashflow_report
     # `/cashflow_report/refresh` is an endpoint that initiates an on-demand extraction to fetch the newest transactions for an item (given an `item_id`). The item must already have Cashflow Report added as a product in order to call `/cashflow_report/refresh`.  After calling `/cashflow_report/refresh`, Plaid will fire a webhook `CASHFLOW_REPORT_READY` alerting clients that new transactions data can then be ingested via `/cashflow_report/get` or the webhook will contain an error code informing there was an error in refreshing transactions data.  Note that the `/cashflow_report/refresh` endpoint is not supported for Capital One (`ins_128026`) non-depository accounts and will result in a `PRODUCTS_NOT_SUPPORTED` error if called on an Item that contains only non-depository accounts from that institution.  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 up to 30 seconds or more). If you encounter errors, you may find it necessary to adjust your timeout period for requests.
     # @param cashflow_report_refresh_request [CashflowReportRefreshRequest] 
@@ -3352,7 +3420,7 @@ module Plaid
     end
 
     # Retrieve various verification reports for a user.
-    # This endpoint allows you to retrieve verification reports for a user. To obtain a VoA or VoE report, you need to make sure that `cra_base_report` is included in the `products` parameter when calling `/link/token/create` or `/cra/check_report/create`.   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 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`.\"
+    # This endpoint allows you to retrieve verification reports for a user. To obtain a VoA or Employment Refresh report, you need to make sure that `cra_base_report` is included in the `products` parameter when calling `/link/token/create` or `/cra/check_report/create`.   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 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_verification_get_request [CraCheckReportVerificationGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [CraCheckReportVerificationGetResponse]
@@ -3362,7 +3430,7 @@ module Plaid
     end
 
     # Retrieve various verification reports for a user.
-    # This endpoint allows you to retrieve verification reports for a user. To obtain a VoA or VoE report, you need to make sure that &#x60;cra_base_report&#x60; is included in the &#x60;products&#x60; parameter when calling &#x60;/link/token/create&#x60; or &#x60;/cra/check_report/create&#x60;.   You should call this endpoint after you&#39;ve received a &#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;.\&quot;
+    # This endpoint allows you to retrieve verification reports for a user. To obtain a VoA or Employment Refresh report, you need to make sure that &#x60;cra_base_report&#x60; is included in the &#x60;products&#x60; parameter when calling &#x60;/link/token/create&#x60; or &#x60;/cra/check_report/create&#x60;.   You should call this endpoint after you&#39;ve received a &#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;.\&quot;
     # @param cra_check_report_verification_get_request [CraCheckReportVerificationGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(CraCheckReportVerificationGetResponse, Integer, Hash)>] CraCheckReportVerificationGetResponse data, response status code and response headers
@@ -3760,7 +3828,7 @@ module Plaid
     end
 
     # Subscribe to Monitoring Insights
-    # This endpoint allows you to subscribe to insights for a user's linked CRA items, which are updated every day (best-effort).
+    # This endpoint allows you to subscribe to insights for a user's linked CRA items, which are updated between one and four times per day (best-effort).
     # @param cra_monitoring_insights_subscribe_request [CraMonitoringInsightsSubscribeRequest] 
     # @param [Hash] opts the optional parameters
     # @return [CraMonitoringInsightsSubscribeResponse]
@@ -3770,7 +3838,7 @@ module Plaid
     end
 
     # Subscribe to Monitoring Insights
-    # This endpoint allows you to subscribe to insights for a user&#39;s linked CRA items, which are updated every day (best-effort).
+    # This endpoint allows you to subscribe to insights for a user&#39;s linked CRA items, which are updated between one and four times per day (best-effort).
     # @param cra_monitoring_insights_subscribe_request [CraMonitoringInsightsSubscribeRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(CraMonitoringInsightsSubscribeResponse, Integer, Hash)>] CraMonitoringInsightsSubscribeResponse data, response status code and response headers
@@ -8303,7 +8371,7 @@ module Plaid
     end
 
     # Remove an Item
-    # The `/item/remove` endpoint allows you to remove an Item. Once removed, the `access_token`, as well as any processor tokens or bank account tokens associated with the Item, is no longer valid and cannot be used to access any data that was associated with the Item.  Calling `/item/remove` is a recommended best practice when offboarding users or if a user chooses to disconnect an account linked via Plaid. For subscription products, such as Transactions, Liabilities, and Investments, calling `/item/remove` is required to end subscription billing for the Item.   In Limited Production, calling `/item/remove` does not impact the number of remaining Limited Production Items you have available.  Removing an Item does not affect any Asset Reports or Audit Copies you have already created, which will remain accessible until you remove access to them specifically using the `/asset_report/remove` endpoint.  Also note that for certain OAuth-based institutions, an Item removed via `/item/remove` may still show as an active connection in the institution's OAuth permission manager.  API versions 2019-05-29 and earlier return a `removed` boolean as part of the response.
+    # The `/item/remove` endpoint allows you to remove an Item. Once removed, the `access_token`, as well as any processor tokens or bank account tokens associated with the Item, is no longer valid and cannot be used to access any data that was associated with the Item.  Calling `/item/remove` is a recommended best practice when offboarding users or if a user chooses to disconnect an account linked via Plaid. For subscription products, such as Transactions, Liabilities, and Investments, calling `/item/remove` is required to end subscription billing for the Item, unless the end user revoked permission (e.g. via [https://my.plaid.com/](https://my.plaid.com/). For more details, see [Subscription fee model](https://plaid.com/docs/account/billing/#subscription-fee).  In Limited Production, calling `/item/remove` does not impact the number of remaining Limited Production Items you have available.  Removing an Item does not affect any Asset Reports or Audit Copies you have already created, which will remain accessible until you remove access to them specifically using the `/asset_report/remove` endpoint.  Also note that for certain OAuth-based institutions, an Item removed via `/item/remove` may still show as an active connection in the institution's OAuth permission manager.  API versions 2019-05-29 and earlier return a `removed` boolean as part of the response.
     # @param item_remove_request [ItemRemoveRequest] 
     # @param [Hash] opts the optional parameters
     # @return [ItemRemoveResponse]
@@ -8313,7 +8381,7 @@ module Plaid
     end
 
     # Remove an Item
-    # The &#x60;/item/remove&#x60; endpoint allows you to remove an Item. Once removed, the &#x60;access_token&#x60;, as well as any processor tokens or bank account tokens associated with the Item, is no longer valid and cannot be used to access any data that was associated with the Item.  Calling &#x60;/item/remove&#x60; is a recommended best practice when offboarding users or if a user chooses to disconnect an account linked via Plaid. For subscription products, such as Transactions, Liabilities, and Investments, calling &#x60;/item/remove&#x60; is required to end subscription billing for the Item.   In Limited Production, calling &#x60;/item/remove&#x60; does not impact the number of remaining Limited Production Items you have available.  Removing an Item does not affect any Asset Reports or Audit Copies you have already created, which will remain accessible until you remove access to them specifically using the &#x60;/asset_report/remove&#x60; endpoint.  Also note that for certain OAuth-based institutions, an Item removed via &#x60;/item/remove&#x60; may still show as an active connection in the institution&#39;s OAuth permission manager.  API versions 2019-05-29 and earlier return a &#x60;removed&#x60; boolean as part of the response.
+    # The &#x60;/item/remove&#x60; endpoint allows you to remove an Item. Once removed, the &#x60;access_token&#x60;, as well as any processor tokens or bank account tokens associated with the Item, is no longer valid and cannot be used to access any data that was associated with the Item.  Calling &#x60;/item/remove&#x60; is a recommended best practice when offboarding users or if a user chooses to disconnect an account linked via Plaid. For subscription products, such as Transactions, Liabilities, and Investments, calling &#x60;/item/remove&#x60; is required to end subscription billing for the Item, unless the end user revoked permission (e.g. via [https://my.plaid.com/](https://my.plaid.com/). For more details, see [Subscription fee model](https://plaid.com/docs/account/billing/#subscription-fee).  In Limited Production, calling &#x60;/item/remove&#x60; does not impact the number of remaining Limited Production Items you have available.  Removing an Item does not affect any Asset Reports or Audit Copies you have already created, which will remain accessible until you remove access to them specifically using the &#x60;/asset_report/remove&#x60; endpoint.  Also note that for certain OAuth-based institutions, an Item removed via &#x60;/item/remove&#x60; may still show as an active connection in the institution&#39;s OAuth permission manager.  API versions 2019-05-29 and earlier return a &#x60;removed&#x60; boolean as part of the response.
     # @param item_remove_request [ItemRemoveRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(ItemRemoveResponse, Integer, Hash)>] ItemRemoveResponse data, response status code and response headers
@@ -9867,7 +9935,7 @@ module Plaid
     end
 
     # Get payment details
-    # The `/payment_initiation/payment/get` endpoint can be used to check the status of a payment, as well as to receive basic information such as recipient and payment amount. In the case of standing orders, the `/payment_initiation/payment/get` endpoint will provide information about the status of the overall standing order itself; the API cannot be used to retrieve payment status for individual payments within a standing order.
+    # The `/payment_initiation/payment/get` endpoint can be used to check the status of a payment, as well as to receive basic information such as recipient and payment amount. In the case of standing orders, the `/payment_initiation/payment/get` endpoint will provide information about the status of the overall standing order itself; the API cannot be used to retrieve payment status for individual payments within a standing order.  Polling for status updates in Production is highly discouraged. Repeatedly calling `/payment_initiation/payment/get` to check a payment's status is unreliable and may trigger API rate limits. Only the `payment_status_update` webhook should be used to receive real-time status updates in Production.  In the case of standing orders, the `/payment_initiation/payment/get` endpoint will provide information about the status of the overall standing order itself; the API cannot be used to retrieve payment status for individual payments within a standing order.
     # @param payment_initiation_payment_get_request [PaymentInitiationPaymentGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [PaymentInitiationPaymentGetResponse]
@@ -9877,7 +9945,7 @@ module Plaid
     end
 
     # Get payment details
-    # The &#x60;/payment_initiation/payment/get&#x60; endpoint can be used to check the status of a payment, as well as to receive basic information such as recipient and payment amount. In the case of standing orders, the &#x60;/payment_initiation/payment/get&#x60; endpoint will provide information about the status of the overall standing order itself; the API cannot be used to retrieve payment status for individual payments within a standing order.
+    # The &#x60;/payment_initiation/payment/get&#x60; endpoint can be used to check the status of a payment, as well as to receive basic information such as recipient and payment amount. In the case of standing orders, the &#x60;/payment_initiation/payment/get&#x60; endpoint will provide information about the status of the overall standing order itself; the API cannot be used to retrieve payment status for individual payments within a standing order.  Polling for status updates in Production is highly discouraged. Repeatedly calling &#x60;/payment_initiation/payment/get&#x60; to check a payment&#39;s status is unreliable and may trigger API rate limits. Only the &#x60;payment_status_update&#x60; webhook should be used to receive real-time status updates in Production.  In the case of standing orders, the &#x60;/payment_initiation/payment/get&#x60; endpoint will provide information about the status of the overall standing order itself; the API cannot be used to retrieve payment status for individual payments within a standing order.
     # @param payment_initiation_payment_get_request [PaymentInitiationPaymentGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(PaymentInitiationPaymentGetResponse, Integer, Hash)>] PaymentInitiationPaymentGetResponse data, response status code and response headers
@@ -12110,6 +12178,210 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Get information about a user event
+    # Get information about a user event including Trust Index score and fraud attributes.
+    # @param protect_event_get_request [ProtectEventGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [ProtectEventGetResponse]
+    def protect_event_get(protect_event_get_request, opts = {})
+      data, _status_code, _headers = protect_event_get_with_http_info(protect_event_get_request, opts)
+      data
+    end
+
+    # Get information about a user event
+    # Get information about a user event including Trust Index score and fraud attributes.
+    # @param protect_event_get_request [ProtectEventGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(ProtectEventGetResponse, Integer, Hash)>] ProtectEventGetResponse data, response status code and response headers
+    def protect_event_get_with_http_info(protect_event_get_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.protect_event_get ...'
+      end
+      # verify the required parameter 'protect_event_get_request' is set
+      if @api_client.config.client_side_validation && protect_event_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'protect_event_get_request' when calling PlaidApi.protect_event_get"
+      end
+      # resource path
+      local_var_path = '/protect/event/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(protect_event_get_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'ProtectEventGetResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.protect_event_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#protect_event_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
+    # Send a new event to enrich user data
+    # Send a new event to enrich user data and optionally get a Trust Index score for the event.
+    # @param protect_event_send_request [ProtectEventSendRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [ProtectEventSendResponse]
+    def protect_event_send(protect_event_send_request, opts = {})
+      data, _status_code, _headers = protect_event_send_with_http_info(protect_event_send_request, opts)
+      data
+    end
+
+    # Send a new event to enrich user data
+    # Send a new event to enrich user data and optionally get a Trust Index score for the event.
+    # @param protect_event_send_request [ProtectEventSendRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(ProtectEventSendResponse, Integer, Hash)>] ProtectEventSendResponse data, response status code and response headers
+    def protect_event_send_with_http_info(protect_event_send_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.protect_event_send ...'
+      end
+      # verify the required parameter 'protect_event_send_request' is set
+      if @api_client.config.client_side_validation && protect_event_send_request.nil?
+        fail ArgumentError, "Missing the required parameter 'protect_event_send_request' when calling PlaidApi.protect_event_send"
+      end
+      # resource path
+      local_var_path = '/protect/event/send'
+
+      # 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(protect_event_send_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'ProtectEventSendResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.protect_event_send",
+        :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#protect_event_send\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
+    # Get Protect user insights
+    # Use this endpoint to get basic information about a user as it relates to their fraud profile with Protect.
+    # @param protect_user_insights_get_request [ProtectUserInsightsGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [ProtectUserInsightsGetResponse]
+    def protect_user_insights_get(protect_user_insights_get_request, opts = {})
+      data, _status_code, _headers = protect_user_insights_get_with_http_info(protect_user_insights_get_request, opts)
+      data
+    end
+
+    # Get Protect user insights
+    # Use this endpoint to get basic information about a user as it relates to their fraud profile with Protect.
+    # @param protect_user_insights_get_request [ProtectUserInsightsGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(ProtectUserInsightsGetResponse, Integer, Hash)>] ProtectUserInsightsGetResponse data, response status code and response headers
+    def protect_user_insights_get_with_http_info(protect_user_insights_get_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.protect_user_insights_get ...'
+      end
+      # verify the required parameter 'protect_user_insights_get_request' is set
+      if @api_client.config.client_side_validation && protect_user_insights_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'protect_user_insights_get_request' when calling PlaidApi.protect_user_insights_get"
+      end
+      # resource path
+      local_var_path = '/protect/user/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(protect_user_insights_get_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'ProtectUserInsightsGetResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.protect_user_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#protect_user_insights_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
     # Manually fire a bank income webhook in sandbox
     # Use the `/sandbox/bank_income/fire_webhook` endpoint to manually trigger a Bank Income webhook in the Sandbox environment.
     # @param sandbox_bank_income_fire_webhook_request [SandboxBankIncomeFireWebhookRequest] 
@@ -12314,8 +12586,8 @@ module Plaid
       return data, status_code, headers
     end
 
-    # Trigger an update for Cashflow Updates
-    # Use the `/sandbox/cra/cashflow_updates/update` endpoint to manually trigger an update for cashflow updates (Monitoring) in the Sandbox environment.
+    # Trigger an update for Cash Flow Updates
+    # Use the `/sandbox/cra/cashflow_updates/update` endpoint to manually trigger an update for Cash Flow Updates (Monitoring) in the Sandbox environment.
     # @param sandbox_cra_cashflow_updates_update_request [SandboxCraCashflowUpdatesUpdateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [SandboxCraCashflowUpdatesUpdateResponse]
@@ -12324,8 +12596,8 @@ module Plaid
       data
     end
 
-    # Trigger an update for Cashflow Updates
-    # Use the &#x60;/sandbox/cra/cashflow_updates/update&#x60; endpoint to manually trigger an update for cashflow updates (Monitoring) in the Sandbox environment.
+    # Trigger an update for Cash Flow Updates
+    # Use the &#x60;/sandbox/cra/cashflow_updates/update&#x60; endpoint to manually trigger an update for Cash Flow Updates (Monitoring) in the Sandbox environment.
     # @param sandbox_cra_cashflow_updates_update_request [SandboxCraCashflowUpdatesUpdateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(SandboxCraCashflowUpdatesUpdateResponse, Integer, Hash)>] SandboxCraCashflowUpdatesUpdateResponse data, response status code and response headers
@@ -14558,6 +14830,74 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Receive token notifications from The Clearing House (TCH).
+    # This endpoint allows us to receive token notifications from The Clearing House (TCH). The schema is defined by TCH.
+    # @param tch_notification [TCHNotification] 
+    # @param [Hash] opts the optional parameters
+    # @return [TCHNotificationResponse]
+    def tch_notifications(tch_notification, opts = {})
+      data, _status_code, _headers = tch_notifications_with_http_info(tch_notification, opts)
+      data
+    end
+
+    # Receive token notifications from The Clearing House (TCH).
+    # This endpoint allows us to receive token notifications from The Clearing House (TCH). The schema is defined by TCH.
+    # @param tch_notification [TCHNotification] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(TCHNotificationResponse, Integer, Hash)>] TCHNotificationResponse data, response status code and response headers
+    def tch_notifications_with_http_info(tch_notification, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.tch_notifications ...'
+      end
+      # verify the required parameter 'tch_notification' is set
+      if @api_client.config.client_side_validation && tch_notification.nil?
+        fail ArgumentError, "Missing the required parameter 'tch_notification' when calling PlaidApi.tch_notifications"
+      end
+      # resource path
+      local_var_path = '/tch/notifications'
+
+      # 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(tch_notification)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'TCHNotificationResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.tch_notifications",
+        :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#tch_notifications\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
     # enhance locally-held transaction data
     # The `/beta/transactions/v1/enhance` endpoint enriches raw transaction data provided directly by clients.  The product is currently in beta.
     # @param transactions_enhance_get_request [TransactionsEnhanceGetRequest] 
@@ -15511,7 +15851,7 @@ module Plaid
     end
 
     # Get RTP eligibility information of a transfer
-    # Use the `/transfer/capabilities/get` endpoint to determine the RTP eligibility information of an account to be used with Transfer. This endpoint works on all Transfer-capable Items, including those created by `/transfer/migrate_account`. To simulate RTP eligibility in Sandbox, log in using the username `user_good` and password `pass_good` and use the first two checking and savings accounts in the \"First Platypus Bank\" institution (ending in 0000 or 1111), which will return `true`. Any other account will return `false`.
+    # Use the `/transfer/capabilities/get` endpoint to determine the RTP eligibility information of an account to be used with Transfer. This endpoint works on all Transfer-capable Items, including those created by `/transfer/migrate_account`.
     # @param transfer_capabilities_get_request [TransferCapabilitiesGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [TransferCapabilitiesGetResponse]
@@ -15521,7 +15861,7 @@ module Plaid
     end
 
     # Get RTP eligibility information of a transfer
-    # Use the &#x60;/transfer/capabilities/get&#x60; endpoint to determine the RTP eligibility information of an account to be used with Transfer. This endpoint works on all Transfer-capable Items, including those created by &#x60;/transfer/migrate_account&#x60;. To simulate RTP eligibility in Sandbox, log in using the username &#x60;user_good&#x60; and password &#x60;pass_good&#x60; and use the first two checking and savings accounts in the \&quot;First Platypus Bank\&quot; institution (ending in 0000 or 1111), which will return &#x60;true&#x60;. Any other account will return &#x60;false&#x60;.
+    # Use the &#x60;/transfer/capabilities/get&#x60; endpoint to determine the RTP eligibility information of an account to be used with Transfer. This endpoint works on all Transfer-capable Items, including those created by &#x60;/transfer/migrate_account&#x60;.
     # @param transfer_capabilities_get_request [TransferCapabilitiesGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(TransferCapabilitiesGetResponse, Integer, Hash)>] TransferCapabilitiesGetResponse data, response status code and response headers
@@ -16258,8 +16598,8 @@ module Plaid
       return data, status_code, headers
     end
 
-    # Move available balance between the ledgers of the platform and one of its originators
-    # Use the `/transfer/ledger/distribute` endpoint to move available balance between the ledgers of the platform and one of its originators.
+    # Move available balance between ledgers
+    # Use the `/transfer/ledger/distribute` endpoint to move available balance between ledgers, if you have multiple. If you’re a platform, you can move funds between one of your ledgers and one of your customer’s ledger.
     # @param transfer_ledger_distribute_request [TransferLedgerDistributeRequest] 
     # @param [Hash] opts the optional parameters
     # @return [TransferLedgerDistributeResponse]
@@ -16268,8 +16608,8 @@ module Plaid
       data
     end
 
-    # Move available balance between the ledgers of the platform and one of its originators
-    # Use the &#x60;/transfer/ledger/distribute&#x60; endpoint to move available balance between the ledgers of the platform and one of its originators.
+    # Move available balance between ledgers
+    # Use the &#x60;/transfer/ledger/distribute&#x60; endpoint to move available balance between ledgers, if you have multiple. If you’re a platform, you can move funds between one of your ledgers and one of your customer’s ledger.
     # @param transfer_ledger_distribute_request [TransferLedgerDistributeRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(TransferLedgerDistributeResponse, Integer, Hash)>] TransferLedgerDistributeResponse data, response status code and response headers
@@ -18165,6 +18505,74 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Refresh user items for Financial-Insights bundle
+    # `/user/financial_data/refresh` is an optional endpoint that initiates an on-demand extraction to fetch the newest transactions for a User using the Financial Insights bundle. This bundle refreshes the Transactions, Investments, and Liabilities product data. This endpoint is for clients who use the Transactions Insights bundle and want to proactively update all linked Items under a user. The refresh may succeed or fail on a per-Item basis. Use the `results` array in the response to understand the outcome for each Item.  This endpoint is distinct from `/transactions/refresh`, which triggers a refresh for a single Item. Use `/user/financial_data/refresh` to target all Items for a user instead.
+    # @param user_financial_data_refresh_request [UserFinancialDataRefreshRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [UserFinancialDataRefreshResponse]
+    def user_financial_data_refresh(user_financial_data_refresh_request, opts = {})
+      data, _status_code, _headers = user_financial_data_refresh_with_http_info(user_financial_data_refresh_request, opts)
+      data
+    end
+
+    # Refresh user items for Financial-Insights bundle
+    # &#x60;/user/financial_data/refresh&#x60; is an optional endpoint that initiates an on-demand extraction to fetch the newest transactions for a User using the Financial Insights bundle. This bundle refreshes the Transactions, Investments, and Liabilities product data. This endpoint is for clients who use the Transactions Insights bundle and want to proactively update all linked Items under a user. The refresh may succeed or fail on a per-Item basis. Use the &#x60;results&#x60; array in the response to understand the outcome for each Item.  This endpoint is distinct from &#x60;/transactions/refresh&#x60;, which triggers a refresh for a single Item. Use &#x60;/user/financial_data/refresh&#x60; to target all Items for a user instead.
+    # @param user_financial_data_refresh_request [UserFinancialDataRefreshRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(UserFinancialDataRefreshResponse, Integer, Hash)>] UserFinancialDataRefreshResponse data, response status code and response headers
+    def user_financial_data_refresh_with_http_info(user_financial_data_refresh_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.user_financial_data_refresh ...'
+      end
+      # verify the required parameter 'user_financial_data_refresh_request' is set
+      if @api_client.config.client_side_validation && user_financial_data_refresh_request.nil?
+        fail ArgumentError, "Missing the required parameter 'user_financial_data_refresh_request' when calling PlaidApi.user_financial_data_refresh"
+      end
+      # resource path
+      local_var_path = '/user/financial_data/refresh'
+
+      # 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_financial_data_refresh_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'UserFinancialDataRefreshResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.user_financial_data_refresh",
+        :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_financial_data_refresh\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      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] 
@@ -18440,6 +18848,74 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Refresh user items for Transactions bundle
+    # `/user/transactions/refresh` is an optional endpoint that initiates an on-demand extraction to fetch the newest transactions for a User using the Transactions bundle. This bundle refreshes only the Transactions product data. This endpoint is for clients who use the Transactions Insights bundle and want to proactively update all linked Items under a user. The refresh may succeed or fail on a per-Item basis. Use the `results` array in the response to understand the outcome for each Item.  This endpoint is distinct from `/transactions/refresh`, which triggers a refresh for a single Item. Use `/user/transactions/refresh` to target all Items for a user instead.
+    # @param user_transactions_refresh_request [UserTransactionsRefreshRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [UserTransactionsRefreshResponse]
+    def user_transactions_refresh(user_transactions_refresh_request, opts = {})
+      data, _status_code, _headers = user_transactions_refresh_with_http_info(user_transactions_refresh_request, opts)
+      data
+    end
+
+    # Refresh user items for Transactions bundle
+    # &#x60;/user/transactions/refresh&#x60; is an optional endpoint that initiates an on-demand extraction to fetch the newest transactions for a User using the Transactions bundle. This bundle refreshes only the Transactions product data. This endpoint is for clients who use the Transactions Insights bundle and want to proactively update all linked Items under a user. The refresh may succeed or fail on a per-Item basis. Use the &#x60;results&#x60; array in the response to understand the outcome for each Item.  This endpoint is distinct from &#x60;/transactions/refresh&#x60;, which triggers a refresh for a single Item. Use &#x60;/user/transactions/refresh&#x60; to target all Items for a user instead.
+    # @param user_transactions_refresh_request [UserTransactionsRefreshRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(UserTransactionsRefreshResponse, Integer, Hash)>] UserTransactionsRefreshResponse data, response status code and response headers
+    def user_transactions_refresh_with_http_info(user_transactions_refresh_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.user_transactions_refresh ...'
+      end
+      # verify the required parameter 'user_transactions_refresh_request' is set
+      if @api_client.config.client_side_validation && user_transactions_refresh_request.nil?
+        fail ArgumentError, "Missing the required parameter 'user_transactions_refresh_request' when calling PlaidApi.user_transactions_refresh"
+      end
+      # resource path
+      local_var_path = '/user/transactions/refresh'
+
+      # 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_transactions_refresh_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'UserTransactionsRefreshResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.user_transactions_refresh",
+        :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_transactions_refresh\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`. 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. Plaid Check Consumer Reports can only be created for US-based users; the user's address country must be `US`.
     # @param user_update_request [UserUpdateRequest]