plaid 44.0.0 → 45.0.0

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_1.667.0
+The version of the OpenAPI document: 2020-09-14_1.680.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0
@@ -20,7 +20,7 @@ module Plaid
       @api_client = api_client
     end
     # Retrieve real-time balance data
-    # The `/accounts/balance/get` endpoint returns the real-time balance for each of an Item's accounts. While other endpoints, such as `/accounts/get`, return a balance object, only `/accounts/balance/get` forces the available and current balance fields to be refreshed rather than cached. This endpoint can be used for existing Items that were added via any of Plaid’s other products. This endpoint can be used as long as Link has been initialized with any other product, `balance` itself is not a product that can be used to initialize Link. 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.
+    # The `/accounts/balance/get` endpoint returns the real-time balance for each of an Item's accounts. While other endpoints, such as `/accounts/get`, return a balance object,  `/accounts/balance/get` forces the available and current balance fields to be refreshed rather than cached. This endpoint can be used for existing Items that were added via any of Plaid’s other products. This endpoint can be used as long as Link has been initialized with any other product, `balance` itself is not a product that can be used to initialize Link. 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.  Note: If you are getting real-time balance for the purpose of assessing the return risk of a proposed ACH transaction, it is recommended to use `/signal/evaluate` instead of `/accounts/balance/get`. `/signal/evaluate` returns the same real-time balance information and also provides access to Signal Rules, which provides no-code transaction business logic configuration, backtesting and recommendations for tuning your transaction acceptance logic, and the ability to easily switch between Balance and Signal Transaction Scores as needed for ultra-low-latency, ML-powered risk assessments. For more details, see the [Balance documentation](/docs/balance/#balance-integration-options).
     # @param accounts_balance_get_request [AccountsBalanceGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [AccountsGetResponse]
@@ -30,7 +30,7 @@ module Plaid
     end
 
     # Retrieve real-time balance data
-    # The `/accounts/balance/get` endpoint returns the real-time balance for each of an Item's accounts. While other endpoints, such as `/accounts/get`, return a balance object, only `/accounts/balance/get` forces the available and current balance fields to be refreshed rather than cached. This endpoint can be used for existing Items that were added via any of Plaid’s other products. This endpoint can be used as long as Link has been initialized with any other product, `balance` itself is not a product that can be used to initialize Link. 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.
+    # The `/accounts/balance/get` endpoint returns the real-time balance for each of an Item's accounts. While other endpoints, such as `/accounts/get`, return a balance object,  `/accounts/balance/get` forces the available and current balance fields to be refreshed rather than cached. This endpoint can be used for existing Items that were added via any of Plaid’s other products. This endpoint can be used as long as Link has been initialized with any other product, `balance` itself is not a product that can be used to initialize Link. 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.  Note: If you are getting real-time balance for the purpose of assessing the return risk of a proposed ACH transaction, it is recommended to use `/signal/evaluate` instead of `/accounts/balance/get`. `/signal/evaluate` returns the same real-time balance information and also provides access to Signal Rules, which provides no-code transaction business logic configuration, backtesting and recommendations for tuning your transaction acceptance logic, and the ability to easily switch between Balance and Signal Transaction Scores as needed for ultra-low-latency, ML-powered risk assessments. For more details, see the [Balance documentation](/docs/balance/#balance-integration-options).
     # @param accounts_balance_get_request [AccountsBalanceGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(AccountsGetResponse, Integer, Hash)>] AccountsGetResponse data, response status code and response headers
@@ -88,7 +88,7 @@ module Plaid
     end
 
     # Retrieve accounts
-    # The `/accounts/get` endpoint can be used to retrieve a list of accounts associated with any linked Item. Plaid will only return active bank accounts — that is, accounts that are not closed and are capable of carrying a balance. To return new accounts that were created after the user linked their Item, you can listen for the [`NEW_ACCOUNTS_AVAILABLE`](https://plaid.com/docs/api/items/#new_accounts_available) webhook and then use Link's [update mode](https://plaid.com/docs/link/update-mode/) to request that the user share this new account with you.  `/accounts/get` is free to use and retrieves cached information, rather than extracting fresh information from the institution. The balance returned will reflect the balance at the time of the last successful Item update. If the Item is enabled for a regularly updating product, such as Transactions, Investments, or Liabilities, the balance will typically update about once a day, as long as the Item is healthy. If the Item is enabled only for products that do not frequently update, such as Auth or Identity, balance data may be much older.  For realtime balance information, use the paid endpoint `/accounts/balance/get` instead.
+    # The `/accounts/get` endpoint can be used to retrieve a list of accounts associated with any linked Item. Plaid will only return active bank accounts — that is, accounts that are not closed and are capable of carrying a balance. To return new accounts that were created after the user linked their Item, you can listen for the [`NEW_ACCOUNTS_AVAILABLE`](https://plaid.com/docs/api/items/#new_accounts_available) webhook and then use Link's [update mode](https://plaid.com/docs/link/update-mode/) to request that the user share this new account with you.  `/accounts/get` is free to use and retrieves cached information, rather than extracting fresh information from the institution. The balance returned will reflect the balance at the time of the last successful Item update. If the Item is enabled for a regularly updating product, such as Transactions, Investments, or Liabilities, the balance will typically update about once a day, as long as the Item is healthy. If the Item is enabled only for products that do not frequently update, such as Auth or Identity, balance data may be much older.  For realtime balance information, use the paid endpoints `/accounts/balance/get` or `/signal/evaluate` instead.
     # @param accounts_get_request [AccountsGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [AccountsGetResponse]
@@ -98,7 +98,7 @@ module Plaid
     end
 
     # Retrieve accounts
-    # The &#x60;/accounts/get&#x60; endpoint can be used to retrieve a list of accounts associated with any linked Item. Plaid will only return active bank accounts — that is, accounts that are not closed and are capable of carrying a balance. To return new accounts that were created after the user linked their Item, you can listen for the [&#x60;NEW_ACCOUNTS_AVAILABLE&#x60;](https://plaid.com/docs/api/items/#new_accounts_available) webhook and then use Link&#39;s [update mode](https://plaid.com/docs/link/update-mode/) to request that the user share this new account with you.  &#x60;/accounts/get&#x60; is free to use and retrieves cached information, rather than extracting fresh information from the institution. The balance returned will reflect the balance at the time of the last successful Item update. If the Item is enabled for a regularly updating product, such as Transactions, Investments, or Liabilities, the balance will typically update about once a day, as long as the Item is healthy. If the Item is enabled only for products that do not frequently update, such as Auth or Identity, balance data may be much older.  For realtime balance information, use the paid endpoint &#x60;/accounts/balance/get&#x60; instead.
+    # The &#x60;/accounts/get&#x60; endpoint can be used to retrieve a list of accounts associated with any linked Item. Plaid will only return active bank accounts — that is, accounts that are not closed and are capable of carrying a balance. To return new accounts that were created after the user linked their Item, you can listen for the [&#x60;NEW_ACCOUNTS_AVAILABLE&#x60;](https://plaid.com/docs/api/items/#new_accounts_available) webhook and then use Link&#39;s [update mode](https://plaid.com/docs/link/update-mode/) to request that the user share this new account with you.  &#x60;/accounts/get&#x60; is free to use and retrieves cached information, rather than extracting fresh information from the institution. The balance returned will reflect the balance at the time of the last successful Item update. If the Item is enabled for a regularly updating product, such as Transactions, Investments, or Liabilities, the balance will typically update about once a day, as long as the Item is healthy. If the Item is enabled only for products that do not frequently update, such as Auth or Identity, balance data may be much older.  For realtime balance information, use the paid endpoints &#x60;/accounts/balance/get&#x60; or &#x60;/signal/evaluate&#x60; instead.
     # @param accounts_get_request [AccountsGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(AccountsGetResponse, Integer, Hash)>] AccountsGetResponse data, response status code and response headers
@@ -359,6 +359,74 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Retrieve a PDF Asset Report Audit Copy
+    # The `/asset_report/audit_copy/pdf/get` endpoint retrieves an Asset Report Audit Copy in PDF format. The caller must provide the `audit_copy_token` that was shared via the `/asset_report/audit_copy/create` endpoint.  The response to `/asset_report/audit_copy/pdf/get` is the PDF binary data. The `request_id` is returned in the `Plaid-Request-ID` header.  [View a sample PDF Asset Report](https://plaid.com/documents/sample-asset-report.pdf).
+    # @param asset_report_audit_copy_pdf_get_request [AssetReportAuditCopyPdfGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [File]
+    def asset_report_audit_copy_pdf_get(asset_report_audit_copy_pdf_get_request, opts = {})
+      data, _status_code, _headers = asset_report_audit_copy_pdf_get_with_http_info(asset_report_audit_copy_pdf_get_request, opts)
+      data
+    end
+
+    # Retrieve a PDF Asset Report Audit Copy
+    # The &#x60;/asset_report/audit_copy/pdf/get&#x60; endpoint retrieves an Asset Report Audit Copy in PDF format. The caller must provide the &#x60;audit_copy_token&#x60; that was shared via the &#x60;/asset_report/audit_copy/create&#x60; endpoint.  The response to &#x60;/asset_report/audit_copy/pdf/get&#x60; is the PDF binary data. The &#x60;request_id&#x60; is returned in the &#x60;Plaid-Request-ID&#x60; header.  [View a sample PDF Asset Report](https://plaid.com/documents/sample-asset-report.pdf).
+    # @param asset_report_audit_copy_pdf_get_request [AssetReportAuditCopyPdfGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(File, Integer, Hash)>] File data, response status code and response headers
+    def asset_report_audit_copy_pdf_get_with_http_info(asset_report_audit_copy_pdf_get_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.asset_report_audit_copy_pdf_get ...'
+      end
+      # verify the required parameter 'asset_report_audit_copy_pdf_get_request' is set
+      if @api_client.config.client_side_validation && asset_report_audit_copy_pdf_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'asset_report_audit_copy_pdf_get_request' when calling PlaidApi.asset_report_audit_copy_pdf_get"
+      end
+      # resource path
+      local_var_path = '/asset_report/audit_copy/pdf/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/pdf', '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(asset_report_audit_copy_pdf_get_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'File'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.asset_report_audit_copy_pdf_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#asset_report_audit_copy_pdf_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
     # Remove Asset Report Audit Copy
     # The `/asset_report/audit_copy/remove` endpoint allows you to remove an Audit Copy. Removing an Audit Copy invalidates the `audit_copy_token` associated with it, meaning both you and any third parties holding the token will no longer be able to use it to access Report data. Items associated with the Asset Report, the Asset Report itself and other Audit Copies of it are not affected and will remain accessible after removing the given Audit Copy.
     # @param asset_report_audit_copy_remove_request [AssetReportAuditCopyRemoveRequest] 
@@ -663,7 +731,7 @@ module Plaid
       # header parameters
       header_params = opts[:header_params] || {}
       # HTTP header 'Accept' (if needed)
-      header_params['Accept'] = @api_client.select_header_accept(['application/pdf'])
+      header_params['Accept'] = @api_client.select_header_accept(['application/pdf', 'application/json'])
       # HTTP header 'Content-Type'
       content_type = @api_client.select_header_content_type(['application/json'])
       if !content_type.nil?
@@ -2535,6 +2603,482 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Get EWA Score Report
+    # The `/beta/ewa_report/v1/get` endpoint provides an Earned Wage Access (EWA) score that quantifies the delinquency risk associated with a given item. The score is derived from a combination of cashflow patterns and network-based behavioral features.  The response returns a list of EWA scores, where each score corresponds to a potential advance amount range. These scores estimate the likelihood of repayment for advances within that range.  Score range: 1–99  Interpretation: Higher scores indicate a greater likelihood of repayment.  This endpoint enables clients to assess repayment risk and make data-driven decisions when determining eligibility or limits for earned wage advances.
+    # @param beta_ewa_report_v1_get_request [BetaEwaReportV1GetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [BetaEwaReportV1GetResponse]
+    def beta_ewa_report_v1_get(beta_ewa_report_v1_get_request, opts = {})
+      data, _status_code, _headers = beta_ewa_report_v1_get_with_http_info(beta_ewa_report_v1_get_request, opts)
+      data
+    end
+
+    # Get EWA Score Report
+    # The &#x60;/beta/ewa_report/v1/get&#x60; endpoint provides an Earned Wage Access (EWA) score that quantifies the delinquency risk associated with a given item. The score is derived from a combination of cashflow patterns and network-based behavioral features.  The response returns a list of EWA scores, where each score corresponds to a potential advance amount range. These scores estimate the likelihood of repayment for advances within that range.  Score range: 1–99  Interpretation: Higher scores indicate a greater likelihood of repayment.  This endpoint enables clients to assess repayment risk and make data-driven decisions when determining eligibility or limits for earned wage advances.
+    # @param beta_ewa_report_v1_get_request [BetaEwaReportV1GetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(BetaEwaReportV1GetResponse, Integer, Hash)>] BetaEwaReportV1GetResponse data, response status code and response headers
+    def beta_ewa_report_v1_get_with_http_info(beta_ewa_report_v1_get_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.beta_ewa_report_v1_get ...'
+      end
+      # verify the required parameter 'beta_ewa_report_v1_get_request' is set
+      if @api_client.config.client_side_validation && beta_ewa_report_v1_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'beta_ewa_report_v1_get_request' when calling PlaidApi.beta_ewa_report_v1_get"
+      end
+      # resource path
+      local_var_path = '/beta/ewa_report/v1/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(beta_ewa_report_v1_get_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'BetaEwaReportV1GetResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.beta_ewa_report_v1_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#beta_ewa_report_v1_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 `/beta/partner/customer/v1/create` endpoint creates a new end customer record. You can provide as much information as you have available. If any required information is missing for the products you intend to use, it will be listed in the `requirements_due` field of the response.
+    # @param beta_partner_customer_v1_create_request [BetaPartnerCustomerV1CreateRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [BetaPartnerCustomerV1CreateResponse]
+    def beta_partner_customer_v1_create(beta_partner_customer_v1_create_request, opts = {})
+      data, _status_code, _headers = beta_partner_customer_v1_create_with_http_info(beta_partner_customer_v1_create_request, opts)
+      data
+    end
+
+    # Creates a new end customer for a Plaid reseller.
+    # The &#x60;/beta/partner/customer/v1/create&#x60; endpoint creates a new end customer record. You can provide as much information as you have available. If any required information is missing for the products you intend to use, it will be listed in the &#x60;requirements_due&#x60; field of the response.
+    # @param beta_partner_customer_v1_create_request [BetaPartnerCustomerV1CreateRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(BetaPartnerCustomerV1CreateResponse, Integer, Hash)>] BetaPartnerCustomerV1CreateResponse data, response status code and response headers
+    def beta_partner_customer_v1_create_with_http_info(beta_partner_customer_v1_create_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.beta_partner_customer_v1_create ...'
+      end
+      # verify the required parameter 'beta_partner_customer_v1_create_request' is set
+      if @api_client.config.client_side_validation && beta_partner_customer_v1_create_request.nil?
+        fail ArgumentError, "Missing the required parameter 'beta_partner_customer_v1_create_request' when calling PlaidApi.beta_partner_customer_v1_create"
+      end
+      # resource path
+      local_var_path = '/beta/partner/customer/v1/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(beta_partner_customer_v1_create_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'BetaPartnerCustomerV1CreateResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.beta_partner_customer_v1_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#beta_partner_customer_v1_create\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
+    # Enables a Plaid reseller's end customer in the Production environment.
+    # The `/beta/partner/customer/v1/enable` endpoint is used by reseller partners to enable an end customer in the full Production environment.
+    # @param request_body [Hash<String, Object>] 
+    # @param [Hash] opts the optional parameters
+    # @return [BetaPartnerCustomerV1EnableResponse]
+    def beta_partner_customer_v1_enable(request_body, opts = {})
+      data, _status_code, _headers = beta_partner_customer_v1_enable_with_http_info(request_body, opts)
+      data
+    end
+
+    # Enables a Plaid reseller&#39;s end customer in the Production environment.
+    # The &#x60;/beta/partner/customer/v1/enable&#x60; endpoint is used by reseller partners to enable an end customer in the full Production environment.
+    # @param request_body [Hash<String, Object>] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(BetaPartnerCustomerV1EnableResponse, Integer, Hash)>] BetaPartnerCustomerV1EnableResponse data, response status code and response headers
+    def beta_partner_customer_v1_enable_with_http_info(request_body, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.beta_partner_customer_v1_enable ...'
+      end
+      # verify the required parameter 'request_body' is set
+      if @api_client.config.client_side_validation && request_body.nil?
+        fail ArgumentError, "Missing the required parameter 'request_body' when calling PlaidApi.beta_partner_customer_v1_enable"
+      end
+      # resource path
+      local_var_path = '/beta/partner/customer/v1/enable'
+
+      # 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(request_body)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'BetaPartnerCustomerV1EnableResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.beta_partner_customer_v1_enable",
+        :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#beta_partner_customer_v1_enable\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
+    # Retrieves the details of a Plaid reseller's end customer.
+    # The `/beta/partner/customer/v1/get` endpoint is used by reseller partners to retrieve data about a single end customer.
+    # @param beta_partner_customer_v1_get_request [BetaPartnerCustomerV1GetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [BetaPartnerCustomerV1GetResponse]
+    def beta_partner_customer_v1_get(beta_partner_customer_v1_get_request, opts = {})
+      data, _status_code, _headers = beta_partner_customer_v1_get_with_http_info(beta_partner_customer_v1_get_request, opts)
+      data
+    end
+
+    # Retrieves the details of a Plaid reseller&#39;s end customer.
+    # The &#x60;/beta/partner/customer/v1/get&#x60; endpoint is used by reseller partners to retrieve data about a single end customer.
+    # @param beta_partner_customer_v1_get_request [BetaPartnerCustomerV1GetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(BetaPartnerCustomerV1GetResponse, Integer, Hash)>] BetaPartnerCustomerV1GetResponse data, response status code and response headers
+    def beta_partner_customer_v1_get_with_http_info(beta_partner_customer_v1_get_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.beta_partner_customer_v1_get ...'
+      end
+      # verify the required parameter 'beta_partner_customer_v1_get_request' is set
+      if @api_client.config.client_side_validation && beta_partner_customer_v1_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'beta_partner_customer_v1_get_request' when calling PlaidApi.beta_partner_customer_v1_get"
+      end
+      # resource path
+      local_var_path = '/beta/partner/customer/v1/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(beta_partner_customer_v1_get_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'BetaPartnerCustomerV1GetResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.beta_partner_customer_v1_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#beta_partner_customer_v1_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
+    # Updates an existing end customer.
+    # The `/beta/partner/customer/v1/update` endpoint updates an existing end customer record.
+    # @param request_body [Hash<String, Object>] 
+    # @param [Hash] opts the optional parameters
+    # @return [BetaPartnerCustomerV1UpdateResponse]
+    def beta_partner_customer_v1_update(request_body, opts = {})
+      data, _status_code, _headers = beta_partner_customer_v1_update_with_http_info(request_body, opts)
+      data
+    end
+
+    # Updates an existing end customer.
+    # The &#x60;/beta/partner/customer/v1/update&#x60; endpoint updates an existing end customer record.
+    # @param request_body [Hash<String, Object>] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(BetaPartnerCustomerV1UpdateResponse, Integer, Hash)>] BetaPartnerCustomerV1UpdateResponse data, response status code and response headers
+    def beta_partner_customer_v1_update_with_http_info(request_body, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.beta_partner_customer_v1_update ...'
+      end
+      # verify the required parameter 'request_body' is set
+      if @api_client.config.client_side_validation && request_body.nil?
+        fail ArgumentError, "Missing the required parameter 'request_body' when calling PlaidApi.beta_partner_customer_v1_update"
+      end
+      # resource path
+      local_var_path = '/beta/partner/customer/v1/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(request_body)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'BetaPartnerCustomerV1UpdateResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.beta_partner_customer_v1_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#beta_partner_customer_v1_update\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
+    # Create a business verification
+    # Create a new business verification to check a business's identity and risk profile.
+    # @param business_verification_create_request [BusinessVerificationCreateRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [BusinessVerificationCreateResponse]
+    def business_verification_create(business_verification_create_request, opts = {})
+      data, _status_code, _headers = business_verification_create_with_http_info(business_verification_create_request, opts)
+      data
+    end
+
+    # Create a business verification
+    # Create a new business verification to check a business&#39;s identity and risk profile.
+    # @param business_verification_create_request [BusinessVerificationCreateRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(BusinessVerificationCreateResponse, Integer, Hash)>] BusinessVerificationCreateResponse data, response status code and response headers
+    def business_verification_create_with_http_info(business_verification_create_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.business_verification_create ...'
+      end
+      # verify the required parameter 'business_verification_create_request' is set
+      if @api_client.config.client_side_validation && business_verification_create_request.nil?
+        fail ArgumentError, "Missing the required parameter 'business_verification_create_request' when calling PlaidApi.business_verification_create"
+      end
+      # resource path
+      local_var_path = '/business_verification/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(business_verification_create_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'BusinessVerificationCreateResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.business_verification_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#business_verification_create\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
+    # Get a business verification
+    # Retrieve the current state of a specific business verification.
+    # @param business_verification_get_request [BusinessVerificationGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [BusinessVerificationGetResponse]
+    def business_verification_get(business_verification_get_request, opts = {})
+      data, _status_code, _headers = business_verification_get_with_http_info(business_verification_get_request, opts)
+      data
+    end
+
+    # Get a business verification
+    # Retrieve the current state of a specific business verification.
+    # @param business_verification_get_request [BusinessVerificationGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(BusinessVerificationGetResponse, Integer, Hash)>] BusinessVerificationGetResponse data, response status code and response headers
+    def business_verification_get_with_http_info(business_verification_get_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.business_verification_get ...'
+      end
+      # verify the required parameter 'business_verification_get_request' is set
+      if @api_client.config.client_side_validation && business_verification_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'business_verification_get_request' when calling PlaidApi.business_verification_get"
+      end
+      # resource path
+      local_var_path = '/business_verification/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(business_verification_get_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'BusinessVerificationGetResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.business_verification_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#business_verification_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
     # Gets transaction data in `cashflow_report`
     # The `/cashflow_report/get` endpoint retrieves transactions data associated with an item. Transactions data is standardized across financial institutions. Transactions are returned in reverse-chronological order, and the sequence of transaction ordering is stable and will not shift. Transactions are not immutable and can also be removed altogether by the institution; a removed transaction will no longer appear in `/transactions/get`.  For more details, see [Pending and posted transactions](https://plaid.com/docs/transactions/transactions-data/#pending-and-posted-transactions). Due to the potentially large number of transactions associated with an Item, results are paginated. Manipulate the `count` and `cursor` parameters in conjunction with the `has_more` response body field to fetch all available transactions. Note that data isn't likely to be immediately available to `/cashflow_report/get`. Plaid will begin to prepare transactions data upon Item link, if Link was initialized with `cashflow_report`, or if it wasn't, upon the first call to `/cashflow_report/refresh`. To be alerted when transaction data is ready to be fetched, listen for the `CASHFLOW_REPORT_READY` webhook.
     # @param cashflow_report_get_request [CashflowReportGetRequest] 
@@ -2808,7 +3352,7 @@ module Plaid
     end
 
     # (Deprecated) Get legacy categories
-    # Send a request to the `/categories/get` endpoint to get detailed information on legacy categories returned by Plaid. This endpoint does not require authentication.  All implementations are recommended to [use the newer `personal_finance_category` taxonomy](https://plaid.com/docs/transactions/pfc-migration/) instead of the legacy `category` taxonomy supported by this endpoint. The [`personal_finance_category taxonomy` CSV file](https://plaid.com/documents/transactions-personal-finance-category-taxonomy.csv) is available for download and is not accessible via API.
+    # Send a request to the `/categories/get` endpoint to get detailed information on legacy categories returned by Plaid. This endpoint does not require authentication.  All implementations are recommended to [use the newer `personal_finance_category` taxonomy](https://plaid.com/docs/transactions/pfc-migration/) instead of the legacy `category` taxonomy supported by this endpoint.
     # @param body [Object] 
     # @param [Hash] opts the optional parameters
     # @return [CategoriesGetResponse]
@@ -2818,7 +3362,7 @@ module Plaid
     end
 
     # (Deprecated) Get legacy categories
-    # Send a request to the &#x60;/categories/get&#x60; endpoint to get detailed information on legacy categories returned by Plaid. This endpoint does not require authentication.  All implementations are recommended to [use the newer &#x60;personal_finance_category&#x60; taxonomy](https://plaid.com/docs/transactions/pfc-migration/) instead of the legacy &#x60;category&#x60; taxonomy supported by this endpoint. The [&#x60;personal_finance_category taxonomy&#x60; CSV file](https://plaid.com/documents/transactions-personal-finance-category-taxonomy.csv) is available for download and is not accessible via API.
+    # Send a request to the &#x60;/categories/get&#x60; endpoint to get detailed information on legacy categories returned by Plaid. This endpoint does not require authentication.  All implementations are recommended to [use the newer &#x60;personal_finance_category&#x60; taxonomy](https://plaid.com/docs/transactions/pfc-migration/) instead of the legacy &#x60;category&#x60; taxonomy supported by this endpoint.
     # @param body [Object] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(CategoriesGetResponse, Integer, Hash)>] CategoriesGetResponse data, response status code and response headers
@@ -2975,7 +3519,7 @@ module Plaid
       # header parameters
       header_params = opts[:header_params] || {}
       # HTTP header 'Accept' (if needed)
-      header_params['Accept'] = @api_client.select_header_accept(['application/pdf'])
+      header_params['Accept'] = @api_client.select_header_accept(['application/pdf', 'application/json'])
       # HTTP header 'Content-Type'
       content_type = @api_client.select_header_content_type(['application/json'])
       if !content_type.nil?
@@ -3012,7 +3556,7 @@ module Plaid
     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`.
+    # 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` or a `USER_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] 
     # @param [Hash] opts the optional parameters
     # @return [CraCheckReportBaseReportGetResponse]
@@ -3022,7 +3566,7 @@ module Plaid
     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&#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&#39;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;.
+    # 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&#39;ve received a &#x60;CHECK_REPORT_READY&#x60; or a &#x60;USER_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&#39;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;.
     # @param cra_check_report_base_report_get_request [CraCheckReportBaseReportGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(CraCheckReportBaseReportGetResponse, Integer, Hash)>] CraCheckReportBaseReportGetResponse data, response status code and response headers
@@ -3080,7 +3624,7 @@ module Plaid
     end
 
     # Retrieve cash flow insights from your user's banking data
-    # This endpoint allows you to retrieve the Cashflow 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 insights, 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_cashflow_insights` product or have generated a report using `/cra/check_report/create`, we will 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 Cashflow Insights report for your user. You should call this endpoint after you've received a `CHECK_REPORT_READY` or a `USER_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 insights, 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_cashflow_insights` product or have generated a report using `/cra/check_report/create`, we will 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_cashflow_insights_get_request [CraCheckReportCashflowInsightsGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [CraCheckReportCashflowInsightsGetResponse]
@@ -3090,7 +3634,7 @@ module Plaid
     end
 
     # Retrieve cash flow insights from your user&#39;s banking data
-    # This endpoint allows you to retrieve the Cashflow 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 insights, 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_cashflow_insights&#x60; product or have generated a report using &#x60;/cra/check_report/create&#x60;, we will 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 Cashflow Insights report for your user. You should call this endpoint after you&#39;ve received a &#x60;CHECK_REPORT_READY&#x60; or a &#x60;USER_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 insights, 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_cashflow_insights&#x60; product or have generated a report using &#x60;/cra/check_report/create&#x60;, we will 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_cashflow_insights_get_request [CraCheckReportCashflowInsightsGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(CraCheckReportCashflowInsightsGetResponse, Integer, Hash)>] CraCheckReportCashflowInsightsGetResponse data, response status code and response headers
@@ -3147,8 +3691,8 @@ module Plaid
       return data, status_code, headers
     end
 
-    # Create a Consumer Report
-    # `/cra/check_report/create` creates a Consumer Report powered by Plaid Check. You can call this endpoint to create a new report if `consumer_report_permissible_purpose` was omitted during Link token creation. If you did provide a `consumer_report_permissible_purpose` during Link token creation, then Plaid Check will automatically begin creating a Consumer Report once the user completes the Link process, and it is not necessary to call `/cra/check_report/create` before retrieving the report.   `/cra/check_report/create` can also be used to refresh data in an existing report. A Consumer Report will last for 24 hours before expiring; you should call any `/get` endpoints on the report before it expires. If a report expires, you can call `/cra/check_report/create` again to re-generate it. Note that refreshing or regenerating a report is a billable event.
+    # Refresh or create a Consumer Report
+    # The primary purpose of `/cra/check_report/create` is to refresh data in an existing report. A Consumer Report will last for 24 hours before expiring; you should call any `/get` endpoints on the report before it expires. If a report expires, you can call `/cra/check_report/create` again to re-generate it and refresh the data in the report.  `/cra/check_report/create` can also be used to create a new report if `consumer_report_permissible_purpose` was omitted during Link token creation. However, using the endpoint in this way is not recommended. Instead, `consumer_report_permissible_purpose` should always be specified when calling `/link/token/create` for Plaid CRA products; this will reduce latency and simplify the integration process. If you provide a `consumer_report_permissible_purpose` during Link token creation, then Plaid Check will automatically begin creating a Consumer Report once the user completes the Link process, and it is not necessary to call `/cra/check_report/create` before retrieving the report.
     # @param cra_check_report_create_request [CraCheckReportCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [CraCheckReportCreateResponse]
@@ -3157,8 +3701,8 @@ module Plaid
       data
     end
 
-    # Create a Consumer Report
-    # &#x60;/cra/check_report/create&#x60; creates a Consumer Report powered by Plaid Check. You can call this endpoint to create a new report if &#x60;consumer_report_permissible_purpose&#x60; was omitted during Link token creation. If you did provide a &#x60;consumer_report_permissible_purpose&#x60; during Link token creation, then Plaid Check will automatically begin creating a Consumer Report once the user completes the Link process, and it is not necessary to call &#x60;/cra/check_report/create&#x60; before retrieving the report.   &#x60;/cra/check_report/create&#x60; can also be used to refresh data in an existing report. A Consumer Report will last for 24 hours before expiring; you should call any &#x60;/get&#x60; endpoints on the report before it expires. If a report expires, you can call &#x60;/cra/check_report/create&#x60; again to re-generate it. Note that refreshing or regenerating a report is a billable event.
+    # Refresh or create a Consumer Report
+    # The primary purpose of &#x60;/cra/check_report/create&#x60; is to refresh data in an existing report. A Consumer Report will last for 24 hours before expiring; you should call any &#x60;/get&#x60; endpoints on the report before it expires. If a report expires, you can call &#x60;/cra/check_report/create&#x60; again to re-generate it and refresh the data in the report.  &#x60;/cra/check_report/create&#x60; can also be used to create a new report if &#x60;consumer_report_permissible_purpose&#x60; was omitted during Link token creation. However, using the endpoint in this way is not recommended. Instead, &#x60;consumer_report_permissible_purpose&#x60; should always be specified when calling &#x60;/link/token/create&#x60; for Plaid CRA products; this will reduce latency and simplify the integration process. If you provide a &#x60;consumer_report_permissible_purpose&#x60; during Link token creation, then Plaid Check will automatically begin creating a Consumer Report once the user completes the Link process, and it is not necessary to call &#x60;/cra/check_report/create&#x60; before retrieving the report.
     # @param cra_check_report_create_request [CraCheckReportCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(CraCheckReportCreateResponse, Integer, Hash)>] CraCheckReportCreateResponse data, response status code and response headers
@@ -3216,7 +3760,7 @@ module Plaid
     end
 
     # Retrieve cash flow information from your user's banks
-    # This endpoint allows you to retrieve the Income Insights report for your user.  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`.
+    # This endpoint allows you to retrieve the Income Insights report for your user. You should call this endpoint after you've received a `CHECK_REPORT_READY` or a `USER_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_income_insights_get_request [CraCheckReportIncomeInsightsGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [CraCheckReportIncomeInsightsGetResponse]
@@ -3226,7 +3770,7 @@ module Plaid
     end
 
     # Retrieve cash flow information from your user&#39;s banks
-    # This endpoint allows you to retrieve the Income Insights report for your user.  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 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;.
+    # This endpoint allows you to retrieve the Income Insights report for your user. You should call this endpoint after you&#39;ve received a &#x60;CHECK_REPORT_READY&#x60; or a &#x60;USER_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;.
     # @param cra_check_report_income_insights_get_request [CraCheckReportIncomeInsightsGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(CraCheckReportIncomeInsightsGetResponse, Integer, Hash)>] CraCheckReportIncomeInsightsGetResponse data, response status code and response headers
@@ -3283,8 +3827,8 @@ module Plaid
       return data, status_code, headers
     end
 
-    # Retrieve the lend score from your user's banking data
-    # This endpoint allows you to retrieve the Lend Score 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 insights, 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_lend_score` product or call `/cra/check_report/create` with the `cra_lend_score` product, we will 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.
+    # Retrieve the LendScore from your user's banking data
+    # This endpoint allows you to retrieve the LendScore report for your user. You should call this endpoint after you've received a `CHECK_REPORT_READY` or a `USER_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 insights, 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_lend_score` product or call `/cra/check_report/create` with the `cra_lend_score` product, Plaid will 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_lend_score_get_request [CraCheckReportLendScoreGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [CraCheckReportLendScoreGetResponse]
@@ -3293,8 +3837,8 @@ module Plaid
       data
     end
 
-    # Retrieve the lend score from your user&#39;s banking data
-    # This endpoint allows you to retrieve the Lend Score 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 insights, 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_lend_score&#x60; product or call &#x60;/cra/check_report/create&#x60; with the &#x60;cra_lend_score&#x60; product, we will 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.
+    # Retrieve the LendScore from your user&#39;s banking data
+    # This endpoint allows you to retrieve the LendScore report for your user. You should call this endpoint after you&#39;ve received a &#x60;CHECK_REPORT_READY&#x60; or a &#x60;USER_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 insights, 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_lend_score&#x60; product or call &#x60;/cra/check_report/create&#x60; with the &#x60;cra_lend_score&#x60; product, Plaid will 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_lend_score_get_request [CraCheckReportLendScoreGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(CraCheckReportLendScoreGetResponse, Integer, Hash)>] CraCheckReportLendScoreGetResponse data, response status code and response headers
@@ -3352,7 +3896,7 @@ module Plaid
     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.
+    # This endpoint allows you to retrieve the Network Insights product for your user. You should call this endpoint after you've received a `CHECK_REPORT_READY` or a `USER_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`, Plaid 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]
@@ -3362,7 +3906,7 @@ module Plaid
     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.
+    # This endpoint allows you to retrieve the Network Insights product for your user. You should call this endpoint after you&#39;ve received a &#x60;CHECK_REPORT_READY&#x60; or a &#x60;USER_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;, Plaid 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
@@ -3420,7 +3964,7 @@ module Plaid
     end
 
     # Retrieve cash flow insights from partners
-    # 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.
+    # This endpoint allows you to retrieve the Partner Insights report for your user. You should call this endpoint after you've received a `CHECK_REPORT_READY` or a `USER_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]
@@ -3430,7 +3974,7 @@ module Plaid
     end
 
     # Retrieve cash flow insights from partners
-    # 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.
+    # This endpoint allows you to retrieve the Partner Insights report for your user. You should call this endpoint after you&#39;ve received a &#x60;CHECK_REPORT_READY&#x60; or a &#x60;USER_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
@@ -3488,7 +4032,7 @@ module Plaid
     end
 
     # Retrieve Consumer Reports as a PDF
-    # `/cra/check_report/pdf/get` retrieves the most recent Consumer Report in PDF format. By default, the most recent Base Report (if it exists) for the user will be returned. To request that the most recent Income Insights report be included in the PDF as well, use the `add-ons` field.
+    # `/cra/check_report/pdf/get` retrieves the most recent Consumer Report in PDF format. By default, the most recent Base Report (if it exists) for the user will be returned. To request that the most recent Partner Insights or Income Insights report be included in the PDF as well, use the `add-ons` field.
     # @param cra_check_report_pdf_get_request [CraCheckReportPDFGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [File]
@@ -3498,7 +4042,7 @@ module Plaid
     end
 
     # Retrieve Consumer Reports as a PDF
-    # &#x60;/cra/check_report/pdf/get&#x60; retrieves the most recent Consumer Report in PDF format. By default, the most recent Base Report (if it exists) for the user will be returned. To request that the most recent Income Insights report be included in the PDF as well, use the &#x60;add-ons&#x60; field.
+    # &#x60;/cra/check_report/pdf/get&#x60; retrieves the most recent Consumer Report in PDF format. By default, the most recent Base Report (if it exists) for the user will be returned. To request that the most recent Partner Insights or Income Insights report be included in the PDF as well, use the &#x60;add-ons&#x60; field.
     # @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
@@ -3519,7 +4063,7 @@ module Plaid
       # header parameters
       header_params = opts[:header_params] || {}
       # HTTP header 'Accept' (if needed)
-      header_params['Accept'] = @api_client.select_header_accept(['application/pdf'])
+      header_params['Accept'] = @api_client.select_header_accept(['application/pdf', 'application/json'])
       # HTTP header 'Content-Type'
       content_type = @api_client.select_header_content_type(['application/json'])
       if !content_type.nil?
@@ -3556,7 +4100,7 @@ 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 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`.\"
+    # 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` or a `USER_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]
@@ -3566,7 +4110,7 @@ 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 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;
+    # 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; or a &#x60;USER_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
@@ -3623,6 +4167,74 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Retrieve Consumer Reports as a Verification PDF
+    # The `/cra/check_report/verification/pdf/get` endpoint retrieves the most recent Consumer Report in PDF format, specifically formatted for Home Lending verification use cases. Before calling this endpoint, ensure that you've created a VOA report through Link or the `/cra/check_report/create` endpoint, and have received a `CHECK_REPORT_READY` or a `USER_CHECK_REPORT_READY` webhook.  The response to `/cra/check_report/verification/pdf/get` is the PDF binary data. The `request_id`  is returned in the `Plaid-Request-ID` header.
+    # @param cra_check_report_verification_pdf_get_request [CraCheckReportVerificationPdfGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [File]
+    def cra_check_report_verification_pdf_get(cra_check_report_verification_pdf_get_request, opts = {})
+      data, _status_code, _headers = cra_check_report_verification_pdf_get_with_http_info(cra_check_report_verification_pdf_get_request, opts)
+      data
+    end
+
+    # Retrieve Consumer Reports as a Verification PDF
+    # The &#x60;/cra/check_report/verification/pdf/get&#x60; endpoint retrieves the most recent Consumer Report in PDF format, specifically formatted for Home Lending verification use cases. Before calling this endpoint, ensure that you&#39;ve created a VOA report through Link or the &#x60;/cra/check_report/create&#x60; endpoint, and have received a &#x60;CHECK_REPORT_READY&#x60; or a &#x60;USER_CHECK_REPORT_READY&#x60; webhook.  The response to &#x60;/cra/check_report/verification/pdf/get&#x60; is the PDF binary data. The &#x60;request_id&#x60;  is returned in the &#x60;Plaid-Request-ID&#x60; header.
+    # @param cra_check_report_verification_pdf_get_request [CraCheckReportVerificationPdfGetRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(File, Integer, Hash)>] File data, response status code and response headers
+    def cra_check_report_verification_pdf_get_with_http_info(cra_check_report_verification_pdf_get_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.cra_check_report_verification_pdf_get ...'
+      end
+      # verify the required parameter 'cra_check_report_verification_pdf_get_request' is set
+      if @api_client.config.client_side_validation && cra_check_report_verification_pdf_get_request.nil?
+        fail ArgumentError, "Missing the required parameter 'cra_check_report_verification_pdf_get_request' when calling PlaidApi.cra_check_report_verification_pdf_get"
+      end
+      # resource path
+      local_var_path = '/cra/check_report/verification/pdf/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/pdf', '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_verification_pdf_get_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'File'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.cra_check_report_verification_pdf_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_verification_pdf_get\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+      end
+      return data, status_code, headers
+    end
+
     # Register loan applications and decisions.
     # `/cra/loans/applications/register` registers loan applications and decisions.
     # @param cra_loans_applications_register_request [CraLoansApplicationsRegisterRequest] 
@@ -3896,7 +4508,7 @@ module Plaid
     end
 
     # Retrieve a Monitoring Insights Report
-    # This endpoint allows you to retrieve a Cash Flow Updates report by passing in the `user_token` referred to in the webhook you received.
+    # This endpoint allows you to retrieve a Cash Flow Updates report by passing in the `user_id` referred to in the webhook you received.
     # @param cra_monitoring_insights_get_request [CraMonitoringInsightsGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [CraMonitoringInsightsGetResponse]
@@ -3906,7 +4518,7 @@ module Plaid
     end
 
     # Retrieve a Monitoring Insights Report
-    # This endpoint allows you to retrieve a Cash Flow Updates report by passing in the &#x60;user_token&#x60; referred to in the webhook you received.
+    # This endpoint allows you to retrieve a Cash Flow Updates report by passing in the &#x60;user_id&#x60; referred to in the webhook you received.
     # @param cra_monitoring_insights_get_request [CraMonitoringInsightsGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(CraMonitoringInsightsGetResponse, Integer, Hash)>] CraMonitoringInsightsGetResponse data, response status code and response headers
@@ -4607,7 +5219,7 @@ module Plaid
       # header parameters
       header_params = opts[:header_params] || {}
       # HTTP header 'Accept' (if needed)
-      header_params['Accept'] = @api_client.select_header_accept(['application/pdf'])
+      header_params['Accept'] = @api_client.select_header_accept(['application/pdf', 'application/json'])
       # HTTP header 'Content-Type'
       content_type = @api_client.select_header_content_type(['application/json'])
       if !content_type.nil?
@@ -5491,7 +6103,7 @@ module Plaid
       # header parameters
       header_params = opts[:header_params] || {}
       # HTTP header 'Accept' (if needed)
-      header_params['Accept'] = @api_client.select_header_accept(['application/pdf'])
+      header_params['Accept'] = @api_client.select_header_accept(['application/pdf', 'application/json'])
       # HTTP header 'Content-Type'
       content_type = @api_client.select_header_content_type(['application/json'])
       if !content_type.nil?
@@ -6399,7 +7011,7 @@ 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.
+    # 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` or `/signal/evaluate` for real-time data.
     # @param identity_match_request [IdentityMatchRequest] 
     # @param [Hash] opts the optional parameters
     # @return [IdentityMatchResponse]
@@ -6409,7 +7021,7 @@ 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.
+    # 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; or &#x60;/signal/evaluate&#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
@@ -6974,7 +7586,7 @@ module Plaid
       # header parameters
       header_params = opts[:header_params] || {}
       # HTTP header 'Accept' (if needed)
-      header_params['Accept'] = @api_client.select_header_accept(['application/zip'])
+      header_params['Accept'] = @api_client.select_header_accept(['application/zip', 'application/json'])
       # HTTP header 'Content-Type'
       content_type = @api_client.select_header_content_type(['application/json'])
       if !content_type.nil?
@@ -8983,7 +9595,7 @@ module Plaid
     end
 
     # Get Link Token
-    # 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.  By default, this endpoint will only return complete event data for Hosted Link sessions. To use `/link/token/get` to retrieve event data for non-Hosted-Link sessions, contact your account manager to request that your account be enabled for Link events. If you do not have an account manager, you can submit this request via a support ticket. Enablement for Link events will also cause you to receive additional webhooks related to Link events, such as the `SESSION_FINISHED` and `EVENTS` webhook. 
+    # 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.  By default, this endpoint will only return complete event data for Hosted Link sessions. To use `/link/token/get` to retrieve event data for non-Hosted-Link sessions, contact your account manager to request that your account be enabled for Link events. If you do not have an account manager, you can submit this request via a support ticket. Enablement for Link events will also cause you to receive additional webhooks related to Link events, such as the `SESSION_FINISHED` and `EVENTS` webhook.
     # @param link_token_get_request [LinkTokenGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [LinkTokenGetResponse]
@@ -8993,7 +9605,7 @@ module Plaid
     end
 
     # Get Link Token
-    # 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.  By default, this endpoint will only return complete event data for Hosted Link sessions. To use &#x60;/link/token/get&#x60; to retrieve event data for non-Hosted-Link sessions, contact your account manager to request that your account be enabled for Link events. If you do not have an account manager, you can submit this request via a support ticket. Enablement for Link events will also cause you to receive additional webhooks related to Link events, such as the &#x60;SESSION_FINISHED&#x60; and &#x60;EVENTS&#x60; webhook. 
+    # 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.  By default, this endpoint will only return complete event data for Hosted Link sessions. To use &#x60;/link/token/get&#x60; to retrieve event data for non-Hosted-Link sessions, contact your account manager to request that your account be enabled for Link events. If you do not have an account manager, you can submit this request via a support ticket. Enablement for Link events will also cause you to receive additional webhooks related to Link events, such as the &#x60;SESSION_FINISHED&#x60; and &#x60;EVENTS&#x60; webhook.
     # @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
@@ -11363,7 +11975,7 @@ module Plaid
     end
 
     # Report whether you initiated an ACH transaction
-    # After calling `/processor/signal/evaluate`, call `/processor/signal/decision/report` to report whether the transaction was initiated.  If you are using the [Plaid Transfer product](https://plaid.com/docs/transfer) to create transfers, it is not necessary to use this endpoint, as Plaid already knows whether the transfer was initiated.
+    # After you call `/processor/signal/evaluate`, Plaid will normally infer the outcome from your Signal Rules. However, if you are not using Signal Rules, if the Signal Rules outcome was `REVIEW`, or if you take a different action than the one determined by the Signal Rules, you will need to call `/processor/signal/decision/report`. This helps improve Signal Transaction Score accuracy for your account and is necessary for proper functioning of the rule performance and rule tuning capabilities in the Dashboard. If your effective decision changes after calling `/processor/signal/decision/report` (for example, you indicated that you accepted a transaction, but later on, your payment processor rejected it, so it was never initiated), call `/processor/signal/decision/report` again for the transaction to correct Plaid's records.    If you are using Plaid Transfer as your payment processor, you also do not need to call `/processor/signal/decision/report`, as Plaid can infer outcomes from your Transfer activity.  If using a Balance-only ruleset, this endpoint will not impact scores (Balance does not use scores), but is necessary to view accurate transaction outcomes and tune rule logic in the Dashboard.      
     # @param processor_signal_decision_report_request [ProcessorSignalDecisionReportRequest] 
     # @param [Hash] opts the optional parameters
     # @return [ProcessorSignalDecisionReportResponse]
@@ -11373,7 +11985,7 @@ module Plaid
     end
 
     # Report whether you initiated an ACH transaction
-    # After calling &#x60;/processor/signal/evaluate&#x60;, call &#x60;/processor/signal/decision/report&#x60; to report whether the transaction was initiated.  If you are using the [Plaid Transfer product](https://plaid.com/docs/transfer) to create transfers, it is not necessary to use this endpoint, as Plaid already knows whether the transfer was initiated.
+    # After you call &#x60;/processor/signal/evaluate&#x60;, Plaid will normally infer the outcome from your Signal Rules. However, if you are not using Signal Rules, if the Signal Rules outcome was &#x60;REVIEW&#x60;, or if you take a different action than the one determined by the Signal Rules, you will need to call &#x60;/processor/signal/decision/report&#x60;. This helps improve Signal Transaction Score accuracy for your account and is necessary for proper functioning of the rule performance and rule tuning capabilities in the Dashboard. If your effective decision changes after calling &#x60;/processor/signal/decision/report&#x60; (for example, you indicated that you accepted a transaction, but later on, your payment processor rejected it, so it was never initiated), call &#x60;/processor/signal/decision/report&#x60; again for the transaction to correct Plaid&#39;s records.    If you are using Plaid Transfer as your payment processor, you also do not need to call &#x60;/processor/signal/decision/report&#x60;, as Plaid can infer outcomes from your Transfer activity.  If using a Balance-only ruleset, this endpoint will not impact scores (Balance does not use scores), but is necessary to view accurate transaction outcomes and tune rule logic in the Dashboard.      
     # @param processor_signal_decision_report_request [ProcessorSignalDecisionReportRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(ProcessorSignalDecisionReportResponse, Integer, Hash)>] ProcessorSignalDecisionReportResponse data, response status code and response headers
@@ -11431,7 +12043,7 @@ module Plaid
     end
 
     # Evaluate a planned ACH transaction
-    # Use `/processor/signal/evaluate` to evaluate a planned ACH transaction as a processor to get a return risk assessment (such as a risk score and risk tier) and additional risk signals.  In order to obtain a valid score for an ACH transaction, Plaid must have an access token for the account, and the Item must be healthy (receiving product updates) or have recently been in a healthy state. If the transaction does not meet eligibility requirements, an error will be returned corresponding to the underlying cause. If `/processor/signal/evaluate` is called on the same transaction multiple times within a 24-hour period, cached results may be returned. For more information please refer to our error documentation on [item errors](https://plaid.com/docs/errors/item/) and [Link in Update Mode](https://plaid.com/docs/link/update-mode/).  Note: This request may take some time to complete if Signal is being added to an existing Item. This is because Plaid must communicate directly with the institution when retrieving the data for the first time. To reduce this latency, you can call `/signal/prepare` on the Item before you need to request Signal data.
+    # Use `/signal/evaluate` to evaluate a planned ACH transaction to get a return risk assessment and additional risk signals.  `/signal/evaluate` is used with Rulesets that are configured on the end customer Dashboard can can be used with either the Signal Transaction Scores product or the Balance product. Which product is used will be determined by the `ruleset_key` that you provide. For more details, see [Signal Rules](https://plaid.com/docs/signal/signal-rules/).  Note: This request may have higher latency if Signal Transaction Scores is being added to an existing Item for the first time, or when using a Balance-only ruleset. This is because Plaid must communicate directly with the institution to request data. 
     # @param processor_signal_evaluate_request [ProcessorSignalEvaluateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [ProcessorSignalEvaluateResponse]
@@ -11441,7 +12053,7 @@ module Plaid
     end
 
     # Evaluate a planned ACH transaction
-    # Use &#x60;/processor/signal/evaluate&#x60; to evaluate a planned ACH transaction as a processor to get a return risk assessment (such as a risk score and risk tier) and additional risk signals.  In order to obtain a valid score for an ACH transaction, Plaid must have an access token for the account, and the Item must be healthy (receiving product updates) or have recently been in a healthy state. If the transaction does not meet eligibility requirements, an error will be returned corresponding to the underlying cause. If &#x60;/processor/signal/evaluate&#x60; is called on the same transaction multiple times within a 24-hour period, cached results may be returned. For more information please refer to our error documentation on [item errors](https://plaid.com/docs/errors/item/) and [Link in Update Mode](https://plaid.com/docs/link/update-mode/).  Note: This request may take some time to complete if Signal is being added to an existing Item. This is because Plaid must communicate directly with the institution when retrieving the data for the first time. To reduce this latency, you can call &#x60;/signal/prepare&#x60; on the Item before you need to request Signal data.
+    # Use &#x60;/signal/evaluate&#x60; to evaluate a planned ACH transaction to get a return risk assessment and additional risk signals.  &#x60;/signal/evaluate&#x60; is used with Rulesets that are configured on the end customer Dashboard can can be used with either the Signal Transaction Scores product or the Balance product. Which product is used will be determined by the &#x60;ruleset_key&#x60; that you provide. For more details, see [Signal Rules](https://plaid.com/docs/signal/signal-rules/).  Note: This request may have higher latency if Signal Transaction Scores is being added to an existing Item for the first time, or when using a Balance-only ruleset. This is because Plaid must communicate directly with the institution to request data. 
     # @param processor_signal_evaluate_request [ProcessorSignalEvaluateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(ProcessorSignalEvaluateResponse, Integer, Hash)>] ProcessorSignalEvaluateResponse data, response status code and response headers
@@ -11499,7 +12111,7 @@ module Plaid
     end
 
     # Opt-in a processor token to Signal
-    # When a processor token is not initialized with Signal, call `/processor/signal/prepare` to opt-in that processor token to the Signal data collection process, which will improve the accuracy of the Signal score.  If this endpoint is called with a processor token that is already initialized with Signal, it will return a 200 response and will not modify the processor token.
+    # When a processor token is not initialized with `signal`, call `/processor/signal/prepare` to opt-in that processor token to the data collection process, which will improve the accuracy of the Signal Transaction Score.  If this endpoint is called with a processor token that is already initialized with `signal`, it will return a 200 response and will not modify the processor token.
     # @param processor_signal_prepare_request [ProcessorSignalPrepareRequest] 
     # @param [Hash] opts the optional parameters
     # @return [ProcessorSignalPrepareResponse]
@@ -11509,7 +12121,7 @@ module Plaid
     end
 
     # Opt-in a processor token to Signal
-    # When a processor token is not initialized with Signal, call &#x60;/processor/signal/prepare&#x60; to opt-in that processor token to the Signal data collection process, which will improve the accuracy of the Signal score.  If this endpoint is called with a processor token that is already initialized with Signal, it will return a 200 response and will not modify the processor token.
+    # When a processor token is not initialized with &#x60;signal&#x60;, call &#x60;/processor/signal/prepare&#x60; to opt-in that processor token to the data collection process, which will improve the accuracy of the Signal Transaction Score.  If this endpoint is called with a processor token that is already initialized with &#x60;signal&#x60;, it will return a 200 response and will not modify the processor token.
     # @param processor_signal_prepare_request [ProcessorSignalPrepareRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(ProcessorSignalPrepareResponse, Integer, Hash)>] ProcessorSignalPrepareResponse data, response status code and response headers
@@ -12450,6 +13062,74 @@ module Plaid
       return data, status_code, headers
     end
 
+    # Create a Protect report
+    # Use this endpoint to create a Protect report to document fraud incidents, investigation outcomes, or other risk events. This endpoint allows you to report various types of incidents including account takeovers, identity fraud, unauthorized transactions, and other security events.  The reported data helps improve fraud detection models and provides valuable feedback to enhance the overall security of the Plaid network. Reports can be created for confirmed incidents that have been fully investigated, or for suspected incidents that require further review.  You can associate reports with specific users, sessions, or transactions to provide comprehensive context about the incident.
+    # @param protect_report_create_request [ProtectReportCreateRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [ProtectReportCreateResponse]
+    def protect_report_create(protect_report_create_request, opts = {})
+      data, _status_code, _headers = protect_report_create_with_http_info(protect_report_create_request, opts)
+      data
+    end
+
+    # Create a Protect report
+    # Use this endpoint to create a Protect report to document fraud incidents, investigation outcomes, or other risk events. This endpoint allows you to report various types of incidents including account takeovers, identity fraud, unauthorized transactions, and other security events.  The reported data helps improve fraud detection models and provides valuable feedback to enhance the overall security of the Plaid network. Reports can be created for confirmed incidents that have been fully investigated, or for suspected incidents that require further review.  You can associate reports with specific users, sessions, or transactions to provide comprehensive context about the incident.
+    # @param protect_report_create_request [ProtectReportCreateRequest] 
+    # @param [Hash] opts the optional parameters
+    # @return [Array<(ProtectReportCreateResponse, Integer, Hash)>] ProtectReportCreateResponse data, response status code and response headers
+    def protect_report_create_with_http_info(protect_report_create_request, opts = {})
+      if @api_client.config.debugging
+        @api_client.config.logger.debug 'Calling API: PlaidApi.protect_report_create ...'
+      end
+      # verify the required parameter 'protect_report_create_request' is set
+      if @api_client.config.client_side_validation && protect_report_create_request.nil?
+        fail ArgumentError, "Missing the required parameter 'protect_report_create_request' when calling PlaidApi.protect_report_create"
+      end
+      # resource path
+      local_var_path = '/protect/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(protect_report_create_request)
+
+      # return_type
+      return_type = opts[:debug_return_type] || 'ProtectReportCreateResponse'
+
+      # auth_names
+      auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
+
+      new_options = opts.merge(
+        :operation => :"PlaidApi.protect_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#protect_report_create\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] 
@@ -14423,7 +15103,7 @@ module Plaid
     end
 
     # Report whether you initiated an ACH transaction
-    # After calling `/signal/evaluate`, call `/signal/decision/report` to report whether the transaction was initiated.
+    # After you call `/signal/evaluate`, Plaid will normally infer the outcome from your Signal Rules. However, if you are not using Signal Rules, if the Signal Rules outcome was `REVIEW`, or if you take a different action than the one determined by the Signal Rules, you will need to call `/signal/decision/report`. This helps improve Signal Transaction Score accuracy for your account and is necessary for proper functioning of the rule performance and rule tuning capabilities in the Dashboard. If your effective decision changes after calling `/signal/decision/report` (for example, you indicated that you accepted a transaction, but later on, your payment processor rejected it, so it was never initiated), call `/signal/decision/report` again for the transaction to correct Plaid's records.    If you are using Plaid Transfer as your payment processor, you also do not need to call `/signal/decision/report`, as Plaid can infer outcomes from your Transfer activity.  If using a Balance-only ruleset, this endpoint will not impact scores (Balance does not use scores), but is necessary to view accurate transaction outcomes and tune rule logic in the Dashboard.
     # @param signal_decision_report_request [SignalDecisionReportRequest] 
     # @param [Hash] opts the optional parameters
     # @return [SignalDecisionReportResponse]
@@ -14433,7 +15113,7 @@ module Plaid
     end
 
     # Report whether you initiated an ACH transaction
-    # After calling &#x60;/signal/evaluate&#x60;, call &#x60;/signal/decision/report&#x60; to report whether the transaction was initiated.
+    # After you call &#x60;/signal/evaluate&#x60;, Plaid will normally infer the outcome from your Signal Rules. However, if you are not using Signal Rules, if the Signal Rules outcome was &#x60;REVIEW&#x60;, or if you take a different action than the one determined by the Signal Rules, you will need to call &#x60;/signal/decision/report&#x60;. This helps improve Signal Transaction Score accuracy for your account and is necessary for proper functioning of the rule performance and rule tuning capabilities in the Dashboard. If your effective decision changes after calling &#x60;/signal/decision/report&#x60; (for example, you indicated that you accepted a transaction, but later on, your payment processor rejected it, so it was never initiated), call &#x60;/signal/decision/report&#x60; again for the transaction to correct Plaid&#39;s records.    If you are using Plaid Transfer as your payment processor, you also do not need to call &#x60;/signal/decision/report&#x60;, as Plaid can infer outcomes from your Transfer activity.  If using a Balance-only ruleset, this endpoint will not impact scores (Balance does not use scores), but is necessary to view accurate transaction outcomes and tune rule logic in the Dashboard.
     # @param signal_decision_report_request [SignalDecisionReportRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(SignalDecisionReportResponse, Integer, Hash)>] SignalDecisionReportResponse data, response status code and response headers
@@ -14491,7 +15171,7 @@ module Plaid
     end
 
     # Evaluate a planned ACH transaction
-    # Use `/signal/evaluate` to evaluate a planned ACH transaction to get a return risk assessment (such as a risk score and risk tier) and additional risk signals.  In order to obtain a valid score for an ACH transaction, Plaid must have an access token for the account, and the Item must be healthy (receiving product updates) or have recently been in a healthy state. If the transaction does not meet eligibility requirements, an error will be returned corresponding to the underlying cause. If `/signal/evaluate` is called on the same transaction multiple times within a 24-hour period, cached results may be returned. For more information please refer to the error documentation on [Item errors](https://plaid.com/docs/errors/item/) and [Link in Update Mode](https://plaid.com/docs/link/update-mode/).  Note: This request may take some time to complete if Signal is being added to an existing Item. This is because Plaid must communicate directly with the institution when retrieving the data for the first time.
+    # Use `/signal/evaluate` to evaluate a planned ACH transaction to get a return risk assessment and additional risk signals.  Before using `/signal/evaluate`, you must first [create a ruleset](https://plaid.com/docs/signal/signal-rules/) in the Dashboard under [**Signal->Rules**](https://dashboard.plaid.com/signal/risk-profiles).   `/signal/evaluate` can be used with either Signal Transaction Scores or the Balance product. Which product is used will be determined by the `ruleset_key` that you provide. For more details, see [Signal Rules](https://plaid.com/docs/signal/signal-rules/).  Note: This request may have higher latency when using a Balance-only ruleset. This is because Plaid must communicate directly with the institution to request data. Balance-only rulesets may have latency of up to 30 seconds or more; if you encounter errors, you may find it necessary to adjust your timeout period when making requests.
     # @param signal_evaluate_request [SignalEvaluateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [SignalEvaluateResponse]
@@ -14501,7 +15181,7 @@ module Plaid
     end
 
     # Evaluate a planned ACH transaction
-    # Use &#x60;/signal/evaluate&#x60; to evaluate a planned ACH transaction to get a return risk assessment (such as a risk score and risk tier) and additional risk signals.  In order to obtain a valid score for an ACH transaction, Plaid must have an access token for the account, and the Item must be healthy (receiving product updates) or have recently been in a healthy state. If the transaction does not meet eligibility requirements, an error will be returned corresponding to the underlying cause. If &#x60;/signal/evaluate&#x60; is called on the same transaction multiple times within a 24-hour period, cached results may be returned. For more information please refer to the error documentation on [Item errors](https://plaid.com/docs/errors/item/) and [Link in Update Mode](https://plaid.com/docs/link/update-mode/).  Note: This request may take some time to complete if Signal is being added to an existing Item. This is because Plaid must communicate directly with the institution when retrieving the data for the first time.
+    # Use &#x60;/signal/evaluate&#x60; to evaluate a planned ACH transaction to get a return risk assessment and additional risk signals.  Before using &#x60;/signal/evaluate&#x60;, you must first [create a ruleset](https://plaid.com/docs/signal/signal-rules/) in the Dashboard under [**Signal-&gt;Rules**](https://dashboard.plaid.com/signal/risk-profiles).   &#x60;/signal/evaluate&#x60; can be used with either Signal Transaction Scores or the Balance product. Which product is used will be determined by the &#x60;ruleset_key&#x60; that you provide. For more details, see [Signal Rules](https://plaid.com/docs/signal/signal-rules/).  Note: This request may have higher latency when using a Balance-only ruleset. This is because Plaid must communicate directly with the institution to request data. Balance-only rulesets may have latency of up to 30 seconds or more; if you encounter errors, you may find it necessary to adjust your timeout period when making requests.
     # @param signal_evaluate_request [SignalEvaluateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(SignalEvaluateResponse, Integer, Hash)>] SignalEvaluateResponse data, response status code and response headers
@@ -14558,8 +15238,8 @@ module Plaid
       return data, status_code, headers
     end
 
-    # Opt-in an Item to Signal
-    # When an Item is not initialized with Signal, call `/signal/prepare` to opt-in that Item to the Signal data collection process, developing a Signal score. This should be done on Items where Signal was added in the `additional_consented_products` array but not in the `products`, `optional_products`, or `required_if_supported_products` array. If `/signal/prepare` is skipped on an Item that is not initialized with Signal, the initial call to `/signal/evaluate` on that Item will be less accurate, because Signal will have access to less data for computing the Signal score.  If run on an Item that is already initialized with Signal, this endpoint will return a 200 response and will not modify the Item.
+    # Opt-in an Item to Signal Transaction Scores
+    # When an Item is not initialized with `signal`, call `/signal/prepare` to opt-in that Item to the data collection process used to develop a Signal Transaction Score. This should be done on Items where `signal` was added in the `additional_consented_products` array but not in the `products`, `optional_products`, or `required_if_supported_products` array. If `/signal/prepare` is skipped on an Item that is not initialized with `signal`, the initial call to `/signal/evaluate` on that Item will be less accurate, because Plaid will have access to less data for computing the Signal Transaction Score.  If your integration is purely Balance-only, this endpoint will have no effect, as Balance-only rulesets do not calculate a Signal Transaction Score.   If run on an Item that is already initialized with `signal`, this endpoint will return a 200 response and will not modify the Item.
     # @param signal_prepare_request [SignalPrepareRequest] 
     # @param [Hash] opts the optional parameters
     # @return [SignalPrepareResponse]
@@ -14568,8 +15248,8 @@ module Plaid
       data
     end
 
-    # Opt-in an Item to Signal
-    # When an Item is not initialized with Signal, call &#x60;/signal/prepare&#x60; to opt-in that Item to the Signal data collection process, developing a Signal score. This should be done on Items where Signal was added in the &#x60;additional_consented_products&#x60; array but not in the &#x60;products&#x60;, &#x60;optional_products&#x60;, or &#x60;required_if_supported_products&#x60; array. If &#x60;/signal/prepare&#x60; is skipped on an Item that is not initialized with Signal, the initial call to &#x60;/signal/evaluate&#x60; on that Item will be less accurate, because Signal will have access to less data for computing the Signal score.  If run on an Item that is already initialized with Signal, this endpoint will return a 200 response and will not modify the Item.
+    # Opt-in an Item to Signal Transaction Scores
+    # When an Item is not initialized with &#x60;signal&#x60;, call &#x60;/signal/prepare&#x60; to opt-in that Item to the data collection process used to develop a Signal Transaction Score. This should be done on Items where &#x60;signal&#x60; was added in the &#x60;additional_consented_products&#x60; array but not in the &#x60;products&#x60;, &#x60;optional_products&#x60;, or &#x60;required_if_supported_products&#x60; array. If &#x60;/signal/prepare&#x60; is skipped on an Item that is not initialized with &#x60;signal&#x60;, the initial call to &#x60;/signal/evaluate&#x60; on that Item will be less accurate, because Plaid will have access to less data for computing the Signal Transaction Score.  If your integration is purely Balance-only, this endpoint will have no effect, as Balance-only rulesets do not calculate a Signal Transaction Score.   If run on an Item that is already initialized with &#x60;signal&#x60;, this endpoint will return a 200 response and will not modify the Item.
     # @param signal_prepare_request [SignalPrepareRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(SignalPrepareResponse, Integer, Hash)>] SignalPrepareResponse data, response status code and response headers
@@ -14627,7 +15307,7 @@ module Plaid
     end
 
     # Report a return for an ACH transaction
-    # Call the `/signal/return/report` endpoint to report a returned transaction that was previously sent to the `/signal/evaluate` endpoint. Your feedback will be used by the model to incorporate the latest risk trend in your portfolio.
+    # Call the `/signal/return/report` endpoint to report a returned transaction that was previously sent to the `/signal/evaluate` endpoint. Your feedback will be used by the model to incorporate the latest risk trends into your scores and tune rule logic. If using a Balance-only ruleset, this endpoint will not impact scores (as Balance does not use scores), but is necessary to view accurate transaction outcomes and tune rule logic in the Dashboard.
     # @param signal_return_report_request [SignalReturnReportRequest] 
     # @param [Hash] opts the optional parameters
     # @return [SignalReturnReportResponse]
@@ -14637,7 +15317,7 @@ module Plaid
     end
 
     # Report a return for an ACH transaction
-    # Call the &#x60;/signal/return/report&#x60; endpoint to report a returned transaction that was previously sent to the &#x60;/signal/evaluate&#x60; endpoint. Your feedback will be used by the model to incorporate the latest risk trend in your portfolio.
+    # Call the &#x60;/signal/return/report&#x60; endpoint to report a returned transaction that was previously sent to the &#x60;/signal/evaluate&#x60; endpoint. Your feedback will be used by the model to incorporate the latest risk trends into your scores and tune rule logic. If using a Balance-only ruleset, this endpoint will not impact scores (as Balance does not use scores), but is necessary to view accurate transaction outcomes and tune rule logic in the Dashboard.
     # @param signal_return_report_request [SignalReturnReportRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(SignalReturnReportResponse, Integer, Hash)>] SignalReturnReportResponse data, response status code and response headers
@@ -17482,8 +18162,8 @@ 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.
+    # Create an originator for Transfer for Platforms customers
+    # Use the `/transfer/platform/originator/create` endpoint to submit information about the originator you are onboarding, including the originator's agreement to the required legal terms.
     # @param transfer_platform_originator_create_request [TransferPlatformOriginatorCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [TransferPlatformOriginatorCreateResponse]
@@ -17492,8 +18172,8 @@ module Plaid
       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.
+    # Create an originator for Transfer for Platforms customers
+    # Use the &#x60;/transfer/platform/originator/create&#x60; endpoint to submit information about the originator you are onboarding, including the originator&#39;s agreement to the required legal terms.
     # @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
@@ -17551,7 +18231,7 @@ module Plaid
     end
 
     # Create a person associated with an originator
-    # Use the `/transfer/platform/person/create` endpoint to create a person record associated with an originator and optionally submit person-specific requirements.
+    # Use the `/transfer/platform/person/create` endpoint to create a person associated with an originator (e.g. beneficial owner or control person) and optionally submit personal identification information for them.
     # @param transfer_platform_person_create_request [TransferPlatformPersonCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [TransferPlatformPersonCreateResponse]
@@ -17561,7 +18241,7 @@ module Plaid
     end
 
     # Create a person associated with an originator
-    # Use the &#x60;/transfer/platform/person/create&#x60; endpoint to create a person record associated with an originator and optionally submit person-specific requirements.
+    # Use the &#x60;/transfer/platform/person/create&#x60; endpoint to create a person associated with an originator (e.g. beneficial owner or control person) and optionally submit personal identification information for them.
     # @param transfer_platform_person_create_request [TransferPlatformPersonCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(TransferPlatformPersonCreateResponse, Integer, Hash)>] TransferPlatformPersonCreateResponse data, response status code and response headers
@@ -17618,8 +18298,8 @@ module Plaid
       return data, status_code, headers
     end
 
-    # Submit onboarding requirements for Scaled Platform originators
-    # The `/transfer/platform/requirement/submit` endpoint allows platforms to submit onboarding requirements for an originator as part of the Scaled Platform Transfer offering.
+    # Submit additional onboarding information on behalf of an originator
+    # Use the `/transfer/platform/requirement/submit` endpoint to submit additional onboarding information that is needed by Plaid to approve or decline the originator. See [Requirement type schema documentation](https://docs.google.com/document/d/1NEQkTD0sVK50iAQi6xHigrexDUxZ4QxXqSEfV_FFTiU/) for a list of requirement types and possible values.
     # @param transfer_platform_requirement_submit_request [TransferPlatformRequirementSubmitRequest] 
     # @param [Hash] opts the optional parameters
     # @return [TransferPlatformRequirementSubmitResponse]
@@ -17628,8 +18308,8 @@ module Plaid
       data
     end
 
-    # Submit onboarding requirements for Scaled Platform originators
-    # The &#x60;/transfer/platform/requirement/submit&#x60; endpoint allows platforms to submit onboarding requirements for an originator as part of the Scaled Platform Transfer offering.
+    # Submit additional onboarding information on behalf of an originator
+    # Use the &#x60;/transfer/platform/requirement/submit&#x60; endpoint to submit additional onboarding information that is needed by Plaid to approve or decline the originator. See [Requirement type schema documentation](https://docs.google.com/document/d/1NEQkTD0sVK50iAQi6xHigrexDUxZ4QxXqSEfV_FFTiU/) for a list of requirement types and possible values.
     # @param transfer_platform_requirement_submit_request [TransferPlatformRequirementSubmitRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(TransferPlatformRequirementSubmitResponse, Integer, Hash)>] TransferPlatformRequirementSubmitResponse data, response status code and response headers
@@ -17823,7 +18503,7 @@ module Plaid
     end
 
     # Create a recurring transfer
-    # Use the `/transfer/recurring/create` endpoint to initiate a new recurring transfer. This capability is not currently supported for Transfer UI or Platform Payments (beta) customers.
+    # Use the `/transfer/recurring/create` endpoint to initiate a new recurring transfer. This capability is not currently supported for Transfer UI or Transfer for Platforms (beta) customers.
     # @param transfer_recurring_create_request [TransferRecurringCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [TransferRecurringCreateResponse]
@@ -17833,7 +18513,7 @@ module Plaid
     end
 
     # Create a recurring transfer
-    # Use the &#x60;/transfer/recurring/create&#x60; endpoint to initiate a new recurring transfer. This capability is not currently supported for Transfer UI or Platform Payments (beta) customers.
+    # Use the &#x60;/transfer/recurring/create&#x60; endpoint to initiate a new recurring transfer. This capability is not currently supported for Transfer UI or Transfer for Platforms (beta) customers.
     # @param transfer_recurring_create_request [TransferRecurringCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(TransferRecurringCreateResponse, Integer, Hash)>] TransferRecurringCreateResponse data, response status code and response headers
@@ -18095,7 +18775,7 @@ module Plaid
     end
 
     # Create a refund
-    # Use the `/transfer/refund/create` endpoint to create a refund for a transfer. A transfer can be refunded if the transfer was initiated in the past 180 days.  Refunds come out of the available balance of the ledger used for the original debit transfer. If there are not enough funds in the available balance to cover the refund amount, the refund will be rejected. You can create a refund at any time. Plaid does not impose any hold time on refunds.  A refund can still be issued even if the Item's `access_token` is no longer valid (e.g. if the user revoked OAuth consent or the Item was deleted via `/item/remove`), as long as the account and routing number pair used to make the original transaction is still valid. A refund cannot be issued if the Item has an [invalidated TAN](https://plaid.com/docs/auth/#tokenized-account-numbers), which can occur at Chase or PNC. 
+    # Use the `/transfer/refund/create` endpoint to create a refund for a transfer. A transfer can be refunded if the transfer was initiated in the past 180 days.  Refunds come out of the available balance of the ledger used for the original debit transfer. If there are not enough funds in the available balance to cover the refund amount, the refund will be rejected. You can create a refund at any time. Plaid does not impose any hold time on refunds.  A refund can still be issued even if the Item's `access_token` is no longer valid (e.g. if the user revoked OAuth consent or the Item was deleted via `/item/remove`), as long as the account and routing number pair used to make the original transaction is still valid. A refund cannot be issued if the Item has an [invalidated TAN](https://plaid.com/docs/auth/#tokenized-account-numbers), which can occur at Chase or PNC.
     # @param transfer_refund_create_request [TransferRefundCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [TransferRefundCreateResponse]
@@ -18105,7 +18785,7 @@ module Plaid
     end
 
     # Create a refund
-    # Use the &#x60;/transfer/refund/create&#x60; endpoint to create a refund for a transfer. A transfer can be refunded if the transfer was initiated in the past 180 days.  Refunds come out of the available balance of the ledger used for the original debit transfer. If there are not enough funds in the available balance to cover the refund amount, the refund will be rejected. You can create a refund at any time. Plaid does not impose any hold time on refunds.  A refund can still be issued even if the Item&#39;s &#x60;access_token&#x60; is no longer valid (e.g. if the user revoked OAuth consent or the Item was deleted via &#x60;/item/remove&#x60;), as long as the account and routing number pair used to make the original transaction is still valid. A refund cannot be issued if the Item has an [invalidated TAN](https://plaid.com/docs/auth/#tokenized-account-numbers), which can occur at Chase or PNC. 
+    # Use the &#x60;/transfer/refund/create&#x60; endpoint to create a refund for a transfer. A transfer can be refunded if the transfer was initiated in the past 180 days.  Refunds come out of the available balance of the ledger used for the original debit transfer. If there are not enough funds in the available balance to cover the refund amount, the refund will be rejected. You can create a refund at any time. Plaid does not impose any hold time on refunds.  A refund can still be issued even if the Item&#39;s &#x60;access_token&#x60; is no longer valid (e.g. if the user revoked OAuth consent or the Item was deleted via &#x60;/item/remove&#x60;), as long as the account and routing number pair used to make the original transaction is still valid. A refund cannot be issued if the Item has an [invalidated TAN](https://plaid.com/docs/auth/#tokenized-account-numbers), which can occur at Chase or PNC.
     # @param transfer_refund_create_request [TransferRefundCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(TransferRefundCreateResponse, Integer, Hash)>] TransferRefundCreateResponse data, response status code and response headers
@@ -18571,7 +19251,7 @@ module Plaid
     end
 
     # Create user
-    # 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`. Plaid Check Consumer Reports can only be created for US-based users; the user's address country must be `US`.  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`.
+    # For Plaid products and flows that use the user object, `/user/create` provides you a single token to access all data associated with the user. You must call this endpoint before calling `/link/token/create` if you are using any of the following: Plaid Check, Income Verification, Multi-Item Link, or Plaid Protect.  For customers who began using this endpoint on or after December 10, 2025, this endpoint takes a `client_user_id` and an `identity` object and will return a `user_id`. For customers who began using it before that date, the endpoint takes a `client_user_id` and a `consumer_report_user_identity` object and will return a `user_token` and `user_id`. For more details, see [New User APIs](https://plaid.com/docs/api/users/user-apis).  In order to create a Plaid Check Consumer Report for a user, the `identity` (new) or `consumer_report_user_identity` (legacy) object must be present. If it is not provided during the `/user/create` call, it can be added later by calling `/user/update`.   In order to generate a Plaid Check Consumer Report, the following `identity` fields, at minimum, are required and must be non-empty: `name`, `date_of_birth`, `emails`, `phone_numbers`, and `addresses`, (with at least one email, phone number, and address designated as `primary`). Plaid Check Consumer Reports can only be created for US-based users; the user's address country must be `US`. If creating a report for sharing with a GSE such as Fannie or Freddie, the user's full SSN must be provided via the `id_numbers` field. Providing at least a partial SSN is also strongly recommended for all use cases, since it improves the accuracy of matching user records during compliance processes such as file disclosure, dispute, or security freeze requests.  When using Plaid Protect, it is highly recommended that you provide an `identity` object to better identify and block fraud across your Link sessions.   Plaid will normalize identity fields before storing them and utilize the same identity across different user-based products.
     # @param user_create_request [UserCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @option opts [Boolean] :plaid_new_user_api_enabled The HTTP header used in API requests to determine which set of User APIs to invoke: the legacy CRA version or the new User API version. (default to false)
@@ -18582,7 +19262,7 @@ module Plaid
     end
 
     # Create user
-    # 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;. Plaid Check Consumer Reports can only be created for US-based users; the user&#39;s address country must be &#x60;US&#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;.
+    # For Plaid products and flows that use the user object, &#x60;/user/create&#x60; provides you a single token to access all data associated with the user. You must call this endpoint before calling &#x60;/link/token/create&#x60; if you are using any of the following: Plaid Check, Income Verification, Multi-Item Link, or Plaid Protect.  For customers who began using this endpoint on or after December 10, 2025, this endpoint takes a &#x60;client_user_id&#x60; and an &#x60;identity&#x60; object and will return a &#x60;user_id&#x60;. For customers who began using it before that date, the endpoint takes a &#x60;client_user_id&#x60; and a &#x60;consumer_report_user_identity&#x60; object and will return a &#x60;user_token&#x60; and &#x60;user_id&#x60;. For more details, see [New User APIs](https://plaid.com/docs/api/users/user-apis).  In order to create a Plaid Check Consumer Report for a user, the &#x60;identity&#x60; (new) or &#x60;consumer_report_user_identity&#x60; (legacy) object must be present. If it is not provided during the &#x60;/user/create&#x60; call, it can be added later by calling &#x60;/user/update&#x60;.   In order to generate a Plaid Check Consumer Report, the following &#x60;identity&#x60; fields, at minimum, are required and must be non-empty: &#x60;name&#x60;, &#x60;date_of_birth&#x60;, &#x60;emails&#x60;, &#x60;phone_numbers&#x60;, and &#x60;addresses&#x60;, (with at least one email, phone number, and address designated as &#x60;primary&#x60;). Plaid Check Consumer Reports can only be created for US-based users; the user&#39;s address country must be &#x60;US&#x60;. If creating a report for sharing with a GSE such as Fannie or Freddie, the user&#39;s full SSN must be provided via the &#x60;id_numbers&#x60; field. Providing at least a partial SSN is also strongly recommended for all use cases, since it improves the accuracy of matching user records during compliance processes such as file disclosure, dispute, or security freeze requests.  When using Plaid Protect, it is highly recommended that you provide an &#x60;identity&#x60; object to better identify and block fraud across your Link sessions.   Plaid will normalize identity fields before storing them and utilize the same identity across different user-based products.
     # @param user_create_request [UserCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @option opts [Boolean] :plaid_new_user_api_enabled The HTTP header used in API requests to determine which set of User APIs to invoke: the legacy CRA version or the new User API version. (default to false)
@@ -18709,8 +19389,8 @@ module Plaid
       return data, status_code, headers
     end
 
-    # Retrieve user identity and information.
-    # Retrieve user identity and information using a Plaid generated user ID. This endpoint returns user details including the most recent Identity object that was added to the given User.
+    # Retrieve user identity and information
+    # Get user details using a `user_id`. This endpoint only supports users that were created on the new user API flow, without a `user_token`. For more details, see [New User APIs](https://plaid.com/docs/api/users/user-apis).
     # @param user_get_request [UserGetRequest] 
     # @param [Hash] opts the optional parameters
     # @option opts [Boolean] :plaid_new_user_api_enabled The HTTP header used in API requests to determine which set of User APIs to invoke: the legacy CRA version or the new User API version. (default to false)
@@ -18720,8 +19400,8 @@ module Plaid
       data
     end
 
-    # Retrieve user identity and information.
-    # Retrieve user identity and information using a Plaid generated user ID. This endpoint returns user details including the most recent Identity object that was added to the given User.
+    # Retrieve user identity and information
+    # Get user details using a &#x60;user_id&#x60;. This endpoint only supports users that were created on the new user API flow, without a &#x60;user_token&#x60;. For more details, see [New User APIs](https://plaid.com/docs/api/users/user-apis).
     # @param user_get_request [UserGetRequest] 
     # @param [Hash] opts the optional parameters
     # @option opts [Boolean] :plaid_new_user_api_enabled The HTTP header used in API requests to determine which set of User APIs to invoke: the legacy CRA version or the new User API version. (default to false)
@@ -18849,7 +19529,7 @@ module Plaid
     end
 
     # Get Items associated with a User
-    # Returns Items associated with a User along with their corresponding statuses.
+    # Returns Items associated with a `user_id`, along with their corresponding statuses. Plaid associates an Item with a User when it has been successfully connected within a Link session initialized with that `user_id`.
     # @param user_items_get_request [UserItemsGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [UserItemsGetResponse]
@@ -18859,7 +19539,7 @@ module Plaid
     end
 
     # Get Items associated with a User
-    # Returns Items associated with a User along with their corresponding statuses.
+    # Returns Items associated with a &#x60;user_id&#x60;, along with their corresponding statuses. Plaid associates an Item with a User when it has been successfully connected within a Link session initialized with that &#x60;user_id&#x60;.
     # @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
@@ -18916,31 +19596,31 @@ module Plaid
       return data, status_code, headers
     end
 
-    # List Items associated with a User
-    # Returns Items associated with a User along with their corresponding statuses.
-    # @param user_items_list_request [UserItemsListRequest] 
+    # Terminate user-based products
+    # `/user/products/terminate` terminates user-based recurring subscriptions for a given client user. This will remove user-based products (Financial Management, Protect, and CRA products) from all items associated with the user.
+    # @param user_products_terminate_request [UserProductsTerminateRequest] 
     # @param [Hash] opts the optional parameters
-    # @return [UserItemsListResponse]
-    def user_items_list(user_items_list_request, opts = {})
-      data, _status_code, _headers = user_items_list_with_http_info(user_items_list_request, opts)
+    # @return [UserProductsTerminateResponse]
+    def user_products_terminate(user_products_terminate_request, opts = {})
+      data, _status_code, _headers = user_products_terminate_with_http_info(user_products_terminate_request, opts)
       data
     end
 
-    # List Items associated with a User
-    # Returns Items associated with a User along with their corresponding statuses.
-    # @param user_items_list_request [UserItemsListRequest] 
+    # Terminate user-based products
+    # &#x60;/user/products/terminate&#x60; terminates user-based recurring subscriptions for a given client user. This will remove user-based products (Financial Management, Protect, and CRA products) from all items associated with the user.
+    # @param user_products_terminate_request [UserProductsTerminateRequest] 
     # @param [Hash] opts the optional parameters
-    # @return [Array<(UserItemsListResponse, Integer, Hash)>] UserItemsListResponse data, response status code and response headers
-    def user_items_list_with_http_info(user_items_list_request, opts = {})
+    # @return [Array<(UserProductsTerminateResponse, Integer, Hash)>] UserProductsTerminateResponse data, response status code and response headers
+    def user_products_terminate_with_http_info(user_products_terminate_request, opts = {})
       if @api_client.config.debugging
-        @api_client.config.logger.debug 'Calling API: PlaidApi.user_items_list ...'
+        @api_client.config.logger.debug 'Calling API: PlaidApi.user_products_terminate ...'
       end
-      # verify the required parameter 'user_items_list_request' is set
-      if @api_client.config.client_side_validation && user_items_list_request.nil?
-        fail ArgumentError, "Missing the required parameter 'user_items_list_request' when calling PlaidApi.user_items_list"
+      # verify the required parameter 'user_products_terminate_request' is set
+      if @api_client.config.client_side_validation && user_products_terminate_request.nil?
+        fail ArgumentError, "Missing the required parameter 'user_products_terminate_request' when calling PlaidApi.user_products_terminate"
       end
       # resource path
-      local_var_path = '/user/items/list'
+      local_var_path = '/user/products/terminate'
 
       # query parameters
       query_params = opts[:query_params] || {}
@@ -18959,16 +19639,16 @@ module Plaid
       form_params = opts[:form_params] || {}
 
       # http body (model)
-      post_body = opts[:debug_body] || @api_client.object_to_http_body(user_items_list_request)
+      post_body = opts[:debug_body] || @api_client.object_to_http_body(user_products_terminate_request)
 
       # return_type
-      return_type = opts[:debug_return_type] || 'UserItemsListResponse'
+      return_type = opts[:debug_return_type] || 'UserProductsTerminateResponse'
 
       # auth_names
       auth_names = opts[:debug_auth_names] || ['clientId', 'plaidVersion', 'secret']
 
       new_options = opts.merge(
-        :operation => :"PlaidApi.user_items_list",
+        :operation => :"PlaidApi.user_products_terminate",
         :header_params => header_params,
         :query_params => query_params,
         :form_params => form_params,
@@ -18979,13 +19659,13 @@ 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#user_items_list\nData: #{data.inspect}\nStatus code: #{status_code}\nHeaders: #{headers}"
+        @api_client.config.logger.debug "API called: PlaidApi#user_products_terminate\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. If a user is created for a given `client_user_id` using `/user/create` and that user is then deleted with `/user/remove`, the `client_user_id` cannot be reused for another `/user/create` request.
+    # `/user/remove` deletes a `user_id` or `user_token` and and associated information, including any Items associated with the user.
     # @param user_remove_request [UserRemoveRequest] 
     # @param [Hash] opts the optional parameters
     # @option opts [Boolean] :plaid_new_user_api_enabled The HTTP header used in API requests to determine which set of User APIs to invoke: the legacy CRA version or the new User API version. (default to false)
@@ -18996,7 +19676,7 @@ module Plaid
     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. If a user is created for a given &#x60;client_user_id&#x60; using &#x60;/user/create&#x60; and that user is then deleted with &#x60;/user/remove&#x60;, the &#x60;client_user_id&#x60; cannot be reused for another &#x60;/user/create&#x60; request.
+    # &#x60;/user/remove&#x60; deletes a &#x60;user_id&#x60; or &#x60;user_token&#x60; and and associated information, including any Items associated with the user.
     # @param user_remove_request [UserRemoveRequest] 
     # @param [Hash] opts the optional parameters
     # @option opts [Boolean] :plaid_new_user_api_enabled The HTTP header used in API requests to determine which set of User APIs to invoke: the legacy CRA version or the new User API version. (default to false)
@@ -19260,7 +19940,7 @@ module Plaid
     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`.
+    # This endpoint updates user information for an existing `user_id` or `user_token`. If an existing `user_id` or `user_token` is missing fields required for a given use case (e.g. creating a Consumer Report) use `/user/update` to add values for those fields.   Identity updates use merge semantics: provided fields overwrite existing ones; omitted fields remain unchanged.
     # @param user_update_request [UserUpdateRequest] 
     # @param [Hash] opts the optional parameters
     # @option opts [Boolean] :plaid_new_user_api_enabled The HTTP header used in API requests to determine which set of User APIs to invoke: the legacy CRA version or the new User API version. (default to false)
@@ -19271,7 +19951,7 @@ module Plaid
     end
 
     # Update user information
-    # 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. Plaid Check Consumer Reports can only be created for US-based users; the user&#39;s address country must be &#x60;US&#x60;.
+    # This endpoint updates user information for an existing &#x60;user_id&#x60; or &#x60;user_token&#x60;. If an existing &#x60;user_id&#x60; or &#x60;user_token&#x60; is missing fields required for a given use case (e.g. creating a Consumer Report) use &#x60;/user/update&#x60; to add values for those fields.   Identity updates use merge semantics: provided fields overwrite existing ones; omitted fields remain unchanged.
     # @param user_update_request [UserUpdateRequest] 
     # @param [Hash] opts the optional parameters
     # @option opts [Boolean] :plaid_new_user_api_enabled The HTTP header used in API requests to determine which set of User APIs to invoke: the legacy CRA version or the new User API version. (default to false)