plaid 44.1.0 → 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_1.670.0
+The version of the OpenAPI document: 2020-09-14_1.680.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0
@@ -391,7 +391,7 @@ 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?
@@ -731,7 +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?
@@ -2603,6 +2603,74 @@ 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 `/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 [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] 
@@ -2875,6 +2943,142 @@ module Plaid
       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] 
@@ -3148,7 +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]
@@ -3158,7 +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
@@ -3315,7 +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?
@@ -3352,7 +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]
@@ -3362,7 +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
@@ -3420,7 +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]
@@ -3430,7 +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
@@ -3487,8 +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]
@@ -3497,8 +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
@@ -3556,7 +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]
@@ -3566,7 +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
@@ -3624,7 +3828,7 @@ module Plaid
     end
 
     # 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 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, 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.
+    # 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]
@@ -3634,7 +3838,7 @@ module Plaid
     end
 
     # 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 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, 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.
+    # 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
@@ -3692,7 +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`, Plaid 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]
@@ -3702,7 +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;, Plaid 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
@@ -3760,7 +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]
@@ -3770,7 +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
@@ -3828,7 +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]
@@ -3838,7 +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
@@ -3859,7 +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?
@@ -3896,7 +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]
@@ -3906,7 +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
@@ -3964,7 +4168,7 @@ module Plaid
     end
 
     # Retrieve Consumer Reports as a Verification PDF
-    # `/cra/check_report/verification/pdf/get` retrieves the most recent Consumer Report in PDF format, formatted specifically for verification use cases. The `report_type` field specifies which verification format to use.
+    # 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]
@@ -3974,7 +4178,7 @@ module Plaid
     end
 
     # Retrieve Consumer Reports as a Verification PDF
-    # &#x60;/cra/check_report/verification/pdf/get&#x60; retrieves the most recent Consumer Report in PDF format, formatted specifically for verification use cases. The &#x60;report_type&#x60; field specifies which verification format to use.
+    # 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
@@ -3995,7 +4199,7 @@ 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?
@@ -4304,7 +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]
@@ -4314,7 +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
@@ -5015,7 +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?
@@ -5899,7 +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?
@@ -7382,7 +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?
@@ -18095,7 +18299,7 @@ module Plaid
     end
 
     # 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.
+    # 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]
@@ -18105,7 +18309,7 @@ module Plaid
     end
 
     # 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.
+    # 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
@@ -19047,7 +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)
@@ -19058,7 +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)
@@ -19185,8 +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)
@@ -19196,8 +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)
@@ -19325,7 +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]
@@ -19335,7 +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
@@ -19392,31 +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] || {}
@@ -19435,16 +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,
@@ -19455,13 +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)
@@ -19472,7 +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)
@@ -19736,7 +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)
@@ -19747,7 +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)