plaid 46.0.0 → 46.1.0

checksums.yaml

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data/CHANGELOG.md

@@ -1,5 +1,32 @@
 See full changelog for the OpenAPI schema (OAS) [here](https://github.com/plaid/plaid-openapi/blob/master/CHANGELOG.md).
 
+# 46.1.0
+- Updating to OAS 2020-09-14_1.688.0
+
+## OpenAPI Schema Changes
+### 2020-09-14_1.688.0
+- Add additional fields to CRA Partner Insights UltraFICO response (hidden from docs)
+
+### 2020-09-14_1.687.1
+- Add `limited purpose checking` to `DepositoryAccountSubtype`, `DepositoryAccount`, and `AccountSubtype` schemas
+- Add `limited_purpose_types` filter field to `DepositoryFilter` and `LinkTokenCreateDepositoryFilter` (hidden from docs)
+- Add `LimitedPurposeTypes` and `LimitedPurposeType` schemas (hidden from docs)
+
+### 2020-09-14_1.687.0
+- Add new field `disconnect_time` to `PendingDisconnectWebhook`
+
+### 2020-09-14_1.686.4
+- Income Insights doc fixes
+
+### 2020-09-14_1.686.3
+- Update `/cra/check_report/income_insights/get` sample response to V2 schema
+
+### 2020-09-14_1.686.2
+- Unhide Income Insights V2 fields and hide Income Insights v1 fields
+
+### 2020-09-14_1.686.1
+- Add `home_lending_report_options` to `CraCheckReportCreateBaseReportOptions` and `LinkTokenCreateRequestCraOptionsBaseReport` for configuring Home Lending Report generation (VOA, Employment Refresh) on base report creation
+
 # 46.0.0
 - Updating to OAS 2020-09-14_1.686.0
 

data/Gemfile.lock

@@ -1,7 +1,7 @@
 PATH
   remote: .
   specs:
-    plaid (46.0.0)
+    plaid (46.1.0)
       faraday (>= 1.0.1, < 3.0)
       faraday-multipart (>= 1.0.1, < 2.0)
 

data/Makefile

@@ -1,5 +1,5 @@
 # Ruby embeds the version in the generator where as others don't so it's not possible to cat for it.
-RUBY_PACKAGE_VERSION=46.0.0
+RUBY_PACKAGE_VERSION=46.1.0
 
 .PHONY: release
 release:

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_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0
@@ -224,7 +224,7 @@ module Plaid
     end
 
     # Create Asset Report Audit Copy
-    # Plaid can provide an Audit Copy of any Asset Report directly to a participating third party on your behalf. For example, Plaid can supply an Audit Copy directly to Fannie Mae on your behalf if you participate in the Day 1 Certainty™ program. An Audit Copy contains the same underlying data as the Asset Report.  To grant access to an Audit Copy, use the `/asset_report/audit_copy/create` endpoint to create an `audit_copy_token` and then pass that token to the third party who needs access. Each third party has its own `auditor_id`, for example `fannie_mae`. You’ll need to create a separate Audit Copy for each third party to whom you want to grant access to the Report.
+    # Plaid can provide an Audit Copy of any Asset Report directly to a participating third party on your behalf. For example, Plaid can supply an Audit Copy directly to the GSEs on your behalf if you participate in Fannie Mae's Day 1 Certainty™ program or utilize Freddie Mac’s Loan Product Advisor® (LPA®) Asset and Income Modeler (AIM). An Audit Copy contains the same underlying data as the Asset Report.  To grant access to an Audit Copy, use the `/asset_report/audit_copy/create` endpoint to create an `audit_copy_token` and then pass that token to the third party who needs access. Each third party has its own `auditor_id`, for example `fannie_mae`. You’ll need to create a separate Audit Copy for each third party to whom you want to grant access to the Report.
     # @param asset_report_audit_copy_create_request [AssetReportAuditCopyCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [AssetReportAuditCopyCreateResponse]
@@ -234,7 +234,7 @@ module Plaid
     end
 
     # Create Asset Report Audit Copy
-    # Plaid can provide an Audit Copy of any Asset Report directly to a participating third party on your behalf. For example, Plaid can supply an Audit Copy directly to Fannie Mae on your behalf if you participate in the Day 1 Certainty™ program. An Audit Copy contains the same underlying data as the Asset Report.  To grant access to an Audit Copy, use the `/asset_report/audit_copy/create` endpoint to create an `audit_copy_token` and then pass that token to the third party who needs access. Each third party has its own `auditor_id`, for example `fannie_mae`. You’ll need to create a separate Audit Copy for each third party to whom you want to grant access to the Report.
+    # Plaid can provide an Audit Copy of any Asset Report directly to a participating third party on your behalf. For example, Plaid can supply an Audit Copy directly to the GSEs on your behalf if you participate in Fannie Mae's Day 1 Certainty™ program or utilize Freddie Mac’s Loan Product Advisor® (LPA®) Asset and Income Modeler (AIM). An Audit Copy contains the same underlying data as the Asset Report.  To grant access to an Audit Copy, use the `/asset_report/audit_copy/create` endpoint to create an `audit_copy_token` and then pass that token to the third party who needs access. Each third party has its own `auditor_id`, for example `fannie_mae`. You’ll need to create a separate Audit Copy for each third party to whom you want to grant access to the Report.
     # @param asset_report_audit_copy_create_request [AssetReportAuditCopyCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(AssetReportAuditCopyCreateResponse, Integer, Hash)>] AssetReportAuditCopyCreateResponse data, response status code and response headers
@@ -972,7 +972,7 @@ module Plaid
     end
 
     # Verify auth data
-    # The `/auth/verify` endpoint verifies bank account and routing numbers and (optionally) account owner names against Plaid's database via [Database Auth](https://plaid.com/docs/auth/coverage/database-auth/). It can be used to verify account numbers that were not collected via the Plaid Link flow.   This endpoint is currently in Early Availability; contact Sales or your Plaid account manager to request access.
+    # The `/auth/verify` endpoint verifies bank account and routing numbers and (optionally) account owner names against Plaid's database via [Database Auth](https://plaid.com/docs/auth/coverage/database-auth/). It can be used to verify account numbers that were not collected via the Plaid Link flow.  This endpoint is currently in Early Availability; contact Sales or your Plaid account manager to request access.
     # @param auth_verify_request [AuthVerifyRequest] 
     # @param [Hash] opts the optional parameters
     # @return [AuthVerifyResponse]
@@ -982,7 +982,7 @@ module Plaid
     end
 
     # Verify auth data
-    # The &#x60;/auth/verify&#x60; endpoint verifies bank account and routing numbers and (optionally) account owner names against Plaid&#39;s database via [Database Auth](https://plaid.com/docs/auth/coverage/database-auth/). It can be used to verify account numbers that were not collected via the Plaid Link flow.   This endpoint is currently in Early Availability; contact Sales or your Plaid account manager to request access.
+    # The &#x60;/auth/verify&#x60; endpoint verifies bank account and routing numbers and (optionally) account owner names against Plaid&#39;s database via [Database Auth](https://plaid.com/docs/auth/coverage/database-auth/). It can be used to verify account numbers that were not collected via the Plaid Link flow.  This endpoint is currently in Early Availability; contact Sales or your Plaid account manager to request access.
     # @param auth_verify_request [AuthVerifyRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(AuthVerifyResponse, Integer, Hash)>] AuthVerifyResponse data, response status code and response headers
@@ -3760,7 +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` 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`.
+    # 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`.  NOTE: The following schema was updated in April 2026 to reflect the response when the provided version is \"II2\". Please see [this document](https://docs.google.com/document/d/1kQkQ7FOgFaC4n-sUGUk74hoXZNY_L_nJeCuMe7Keip4/edit?tab=t.0#heading=h.rudamzinus2i) for guidance on migrating to II2 if you are currently using the II1 version, and [this section](https://docs.google.com/document/d/1kQkQ7FOgFaC4n-sUGUk74hoXZNY_L_nJeCuMe7Keip4/edit?tab=t.0#bookmark=id.tdcc2wpk0h60) for an example II1 response along with its [documentation](https://docs.google.com/document/d/1kQkQ7FOgFaC4n-sUGUk74hoXZNY_L_nJeCuMe7Keip4/edit?tab=t.36c85n2ircqk#heading=h.79dwr5c1iszl).
     # @param cra_check_report_income_insights_get_request [CraCheckReportIncomeInsightsGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [CraCheckReportIncomeInsightsGetResponse]
@@ -3770,7 +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; 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;.
+    # This endpoint allows you to retrieve the Income Insights report for your user. You should call this endpoint after you’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;.  NOTE: The following schema was updated in April 2026 to reflect the response when the provided version is \&quot;II2\&quot;. Please see [this document](https://docs.google.com/document/d/1kQkQ7FOgFaC4n-sUGUk74hoXZNY_L_nJeCuMe7Keip4/edit?tab&#x3D;t.0#heading&#x3D;h.rudamzinus2i) for guidance on migrating to II2 if you are currently using the II1 version, and [this section](https://docs.google.com/document/d/1kQkQ7FOgFaC4n-sUGUk74hoXZNY_L_nJeCuMe7Keip4/edit?tab&#x3D;t.0#bookmark&#x3D;id.tdcc2wpk0h60) for an example II1 response along with its [documentation](https://docs.google.com/document/d/1kQkQ7FOgFaC4n-sUGUk74hoXZNY_L_nJeCuMe7Keip4/edit?tab&#x3D;t.36c85n2ircqk#heading&#x3D;h.79dwr5c1iszl).
     # @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
@@ -4100,7 +4100,7 @@ module Plaid
     end
 
     # Retrieve various home lending reports for a user.
-    # This endpoint allows you to retrieve home lending 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`.\"
+    # This endpoint allows you to retrieve home lending 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]
@@ -4110,7 +4110,7 @@ module Plaid
     end
 
     # Retrieve various home lending reports for a user.
-    # This endpoint allows you to retrieve home lending 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;
+    # This endpoint allows you to retrieve home lending 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
@@ -4916,7 +4916,7 @@ module Plaid
     end
 
     # Create Asset or Income Report Audit Copy Token
-    # Plaid can create an Audit Copy token of an Asset Report and/or Income Report to share with participating Government Sponsored Entity (GSE). If you participate in the Day 1 Certainty™ program, Plaid can supply an Audit Copy token directly to Fannie Mae on your behalf. An Audit Copy token contains the same underlying data as the Asset Report and/or Income Report (result of `/credit/payroll_income/get`).  Use the `/credit/audit_copy_token/create` endpoint to create an `audit_copy_token` and then pass that token to the GSE who needs access.
+    # Plaid can create an Audit Copy token of an Asset Report and/or Income Report to share with a participating Government Sponsored Entity (GSE) if you participate in Fannie Mae's Day 1 Certainty™ program or utilize Freddie Mac's Loan Product Advisor® (LPA®) Asset and Income Modeler (AIM). An Audit Copy token contains the same underlying data as the Asset Report and/or Income Report (result of `/credit/payroll_income/get`).  Use the `/credit/audit_copy_token/create` endpoint to create an `audit_copy_token` and then pass that token to the GSE who needs access.
     # @param credit_audit_copy_token_create_request [CreditAuditCopyTokenCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [CreditAuditCopyTokenCreateResponse]
@@ -4926,7 +4926,7 @@ module Plaid
     end
 
     # Create Asset or Income Report Audit Copy Token
-    # Plaid can create an Audit Copy token of an Asset Report and/or Income Report to share with participating Government Sponsored Entity (GSE). If you participate in the Day 1 Certainty™ program, Plaid can supply an Audit Copy token directly to Fannie Mae on your behalf. An Audit Copy token contains the same underlying data as the Asset Report and/or Income Report (result of &#x60;/credit/payroll_income/get&#x60;).  Use the &#x60;/credit/audit_copy_token/create&#x60; endpoint to create an &#x60;audit_copy_token&#x60; and then pass that token to the GSE who needs access.
+    # Plaid can create an Audit Copy token of an Asset Report and/or Income Report to share with a participating Government Sponsored Entity (GSE) if you participate in Fannie Mae&#39;s Day 1 Certainty™ program or utilize Freddie Mac&#39;s Loan Product Advisor® (LPA®) Asset and Income Modeler (AIM). An Audit Copy token contains the same underlying data as the Asset Report and/or Income Report (result of &#x60;/credit/payroll_income/get&#x60;).  Use the &#x60;/credit/audit_copy_token/create&#x60; endpoint to create an &#x60;audit_copy_token&#x60; and then pass that token to the GSE who needs access.
     # @param credit_audit_copy_token_create_request [CreditAuditCopyTokenCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(CreditAuditCopyTokenCreateResponse, Integer, Hash)>] CreditAuditCopyTokenCreateResponse data, response status code and response headers
@@ -9255,7 +9255,7 @@ module Plaid
     end
 
     # Remove an Item
-    # The `/item/remove` endpoint allows you to remove an Item. Once removed, the `access_token`, as well as any processor tokens or bank account tokens associated with the Item, is no longer valid and cannot be used to access any data that was associated with the Item.  Calling `/item/remove` is a recommended best practice when offboarding users or if a user chooses to disconnect an account linked via Plaid. For subscription products, such as Transactions, Liabilities, and Investments, calling `/item/remove` is required to end subscription billing for the Item, unless the end user revoked permission (e.g. via [https://my.plaid.com/](https://my.plaid.com/)). For more details, see [Subscription fee model](https://plaid.com/docs/account/billing/#subscription-fee).  In Limited Production, calling `/item/remove` does not impact the number of remaining Limited Production Items you have available.  Removing an Item does not affect any Asset Reports or Audit Copies you have already created, which will remain accessible until you remove access to them specifically using the `/asset_report/remove` endpoint.  Also note that for certain OAuth-based institutions, an Item removed via `/item/remove` may still show as an active connection in the institution's OAuth permission manager.  API versions 2019-05-29 and earlier return a `removed` boolean as part of the response.
+    # The `/item/remove` endpoint allows you to remove an Item. Once removed, the `access_token`, as well as any processor tokens or bank account tokens associated with the Item, is no longer valid and cannot be used to access any data that was associated with the Item.  Calling `/item/remove` is a recommended best practice when offboarding users or if a user chooses to disconnect an account linked via Plaid. For subscription products, such as Transactions, Liabilities, and Investments, calling `/item/remove` is required to end subscription billing for the Item, unless the end user revoked permission (e.g. via [https://my.plaid.com/](https://my.plaid.com/)). For more details, see [Subscription fee model](https://plaid.com/docs/account/billing/#subscription-fee).  On a Trial plan, calling `/item/remove` does not impact the number of remaining Trial Items (bank connections) you have available.  Removing an Item does not affect any Asset Reports or Audit Copies you have already created, which will remain accessible until you remove access to them specifically using the `/asset_report/remove` endpoint.  Also note that for certain OAuth-based institutions, an Item removed via `/item/remove` may still show as an active connection in the institution's OAuth permission manager.  API versions 2019-05-29 and earlier return a `removed` boolean as part of the response.
     # @param item_remove_request [ItemRemoveRequest] 
     # @param [Hash] opts the optional parameters
     # @return [ItemRemoveResponse]
@@ -9265,7 +9265,7 @@ module Plaid
     end
 
     # Remove an Item
-    # The &#x60;/item/remove&#x60; endpoint allows you to remove an Item. Once removed, the &#x60;access_token&#x60;, as well as any processor tokens or bank account tokens associated with the Item, is no longer valid and cannot be used to access any data that was associated with the Item.  Calling &#x60;/item/remove&#x60; is a recommended best practice when offboarding users or if a user chooses to disconnect an account linked via Plaid. For subscription products, such as Transactions, Liabilities, and Investments, calling &#x60;/item/remove&#x60; is required to end subscription billing for the Item, unless the end user revoked permission (e.g. via [https://my.plaid.com/](https://my.plaid.com/)). For more details, see [Subscription fee model](https://plaid.com/docs/account/billing/#subscription-fee).  In Limited Production, calling &#x60;/item/remove&#x60; does not impact the number of remaining Limited Production Items you have available.  Removing an Item does not affect any Asset Reports or Audit Copies you have already created, which will remain accessible until you remove access to them specifically using the &#x60;/asset_report/remove&#x60; endpoint.  Also note that for certain OAuth-based institutions, an Item removed via &#x60;/item/remove&#x60; may still show as an active connection in the institution&#39;s OAuth permission manager.  API versions 2019-05-29 and earlier return a &#x60;removed&#x60; boolean as part of the response.
+    # The &#x60;/item/remove&#x60; endpoint allows you to remove an Item. Once removed, the &#x60;access_token&#x60;, as well as any processor tokens or bank account tokens associated with the Item, is no longer valid and cannot be used to access any data that was associated with the Item.  Calling &#x60;/item/remove&#x60; is a recommended best practice when offboarding users or if a user chooses to disconnect an account linked via Plaid. For subscription products, such as Transactions, Liabilities, and Investments, calling &#x60;/item/remove&#x60; is required to end subscription billing for the Item, unless the end user revoked permission (e.g. via [https://my.plaid.com/](https://my.plaid.com/)). For more details, see [Subscription fee model](https://plaid.com/docs/account/billing/#subscription-fee).  On a Trial plan, calling &#x60;/item/remove&#x60; does not impact the number of remaining Trial Items (bank connections) you have available.  Removing an Item does not affect any Asset Reports or Audit Copies you have already created, which will remain accessible until you remove access to them specifically using the &#x60;/asset_report/remove&#x60; endpoint.  Also note that for certain OAuth-based institutions, an Item removed via &#x60;/item/remove&#x60; may still show as an active connection in the institution&#39;s OAuth permission manager.  API versions 2019-05-29 and earlier return a &#x60;removed&#x60; boolean as part of the response.
     # @param item_remove_request [ItemRemoveRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(ItemRemoveResponse, Integer, Hash)>] ItemRemoveResponse data, response status code and response headers
@@ -9867,7 +9867,7 @@ module Plaid
     end
 
     # Check a user's Plaid Network status
-    # The `/network/status/get` endpoint can be used to check whether Plaid has a matching profile for the user. This is useful for determining if a user is eligible for a streamlined experience, such as Layer.  Note: it is strongly recommended to check for Layer eligibility in the frontend. `/network/status/get` should only be used for checking Layer eligibility if a frontend check is not possible for your use case. For instructions on performing a frontend eligibility check, see the [Layer documentation](https://plaid.com/docs/layer/#integration-overview).
+    # The `/network/status/get` endpoint can be used to check whether Plaid has a matching profile for the user. This is useful for determining if a user is eligible for a streamlined experience, such as Layer. To access this endpoint, contact your Plaid Account Manager.  Note: it is strongly recommended to check for Layer eligibility in the frontend. `/network/status/get` should only be used for checking Layer eligibility if a frontend check is not possible for your use case. For instructions on performing a frontend eligibility check, see the [Layer documentation](https://plaid.com/docs/layer/#integration-overview).
     # @param network_status_get_request [NetworkStatusGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [NetworkStatusGetResponse]
@@ -9877,7 +9877,7 @@ module Plaid
     end
 
     # Check a user&#39;s Plaid Network status
-    # The &#x60;/network/status/get&#x60; endpoint can be used to check whether Plaid has a matching profile for the user. This is useful for determining if a user is eligible for a streamlined experience, such as Layer.  Note: it is strongly recommended to check for Layer eligibility in the frontend. &#x60;/network/status/get&#x60; should only be used for checking Layer eligibility if a frontend check is not possible for your use case. For instructions on performing a frontend eligibility check, see the [Layer documentation](https://plaid.com/docs/layer/#integration-overview).
+    # The &#x60;/network/status/get&#x60; endpoint can be used to check whether Plaid has a matching profile for the user. This is useful for determining if a user is eligible for a streamlined experience, such as Layer. To access this endpoint, contact your Plaid Account Manager.  Note: it is strongly recommended to check for Layer eligibility in the frontend. &#x60;/network/status/get&#x60; should only be used for checking Layer eligibility if a frontend check is not possible for your use case. For instructions on performing a frontend eligibility check, see the [Layer documentation](https://plaid.com/docs/layer/#integration-overview).
     # @param network_status_get_request [NetworkStatusGetRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(NetworkStatusGetResponse, Integer, Hash)>] NetworkStatusGetResponse data, response status code and response headers
@@ -10751,7 +10751,7 @@ module Plaid
     end
 
     # Create a payment
-    # After creating a payment recipient, you can use the `/payment_initiation/payment/create` endpoint to create a payment to that recipient.  Payments can be one-time or standing order (recurring) and can be denominated in either EUR, GBP or other chosen [currency](https://plaid.com/docs/api/products/payment-initiation/#payment_initiation-payment-create-request-amount-currency).  If making domestic GBP-denominated payments, your recipient must have been created with BACS numbers. In general, EUR-denominated payments will be sent via SEPA Credit Transfer, GBP-denominated payments will be sent via the Faster Payments network and for non-Eurozone markets typically via the local payment scheme, but the payment network used will be determined by the institution. Payments sent via Faster Payments will typically arrive immediately, while payments sent via SEPA Credit Transfer or other local payment schemes will typically arrive in one business day.  Standing orders (recurring payments) must be denominated in GBP and can only be sent to recipients in the UK. Once created, standing order payments cannot be modified or canceled via the API. An end user can cancel or modify a standing order directly on their banking application or website, or by contacting the bank. Standing orders will follow the payment rules of the underlying rails (Faster Payments in UK). Payments can be sent Monday to Friday, excluding bank holidays. If the pre-arranged date falls on a weekend or bank holiday, the payment is made on the next working day. It is not possible to guarantee the exact time the payment will reach the recipient’s account, although at least 90% of standing order payments are sent by 6am.  In Limited Production, payments must be below 5 GBP or other chosen [currency](https://plaid.com/docs/api/products/payment-initiation/#payment_initiation-payment-create-request-amount-currency), and standing orders, variable recurring payments, and Virtual Accounts are not supported.
+    # After creating a payment recipient, you can use the `/payment_initiation/payment/create` endpoint to create a payment to that recipient.  Payments can be one-time or standing order (recurring) and can be denominated in either EUR, GBP or other chosen [currency](https://plaid.com/docs/api/products/payment-initiation/#payment_initiation-payment-create-request-amount-currency).  If making domestic GBP-denominated payments, your recipient must have been created with BACS numbers. In general, EUR-denominated payments will be sent via SEPA Credit Transfer, GBP-denominated payments will be sent via the Faster Payments network and for non-Eurozone markets typically via the local payment scheme, but the payment network used will be determined by the institution. Payments sent via Faster Payments will typically arrive immediately, while payments sent via SEPA Credit Transfer or other local payment schemes will typically arrive in one business day.  Standing orders (recurring payments) must be denominated in GBP and can only be sent to recipients in the UK. Once created, standing order payments cannot be modified or canceled via the API. An end user can cancel or modify a standing order directly on their banking application or website, or by contacting the bank. Standing orders will follow the payment rules of the underlying rails (Faster Payments in UK). Payments can be sent Monday to Friday, excluding bank holidays. If the pre-arranged date falls on a weekend or bank holiday, the payment is made on the next working day. It is not possible to guarantee the exact time the payment will reach the recipient’s account, although at least 90% of standing order payments are sent by 6am.
     # @param payment_initiation_payment_create_request [PaymentInitiationPaymentCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [PaymentInitiationPaymentCreateResponse]
@@ -10761,7 +10761,7 @@ module Plaid
     end
 
     # Create a payment
-    # After creating a payment recipient, you can use the &#x60;/payment_initiation/payment/create&#x60; endpoint to create a payment to that recipient.  Payments can be one-time or standing order (recurring) and can be denominated in either EUR, GBP or other chosen [currency](https://plaid.com/docs/api/products/payment-initiation/#payment_initiation-payment-create-request-amount-currency).  If making domestic GBP-denominated payments, your recipient must have been created with BACS numbers. In general, EUR-denominated payments will be sent via SEPA Credit Transfer, GBP-denominated payments will be sent via the Faster Payments network and for non-Eurozone markets typically via the local payment scheme, but the payment network used will be determined by the institution. Payments sent via Faster Payments will typically arrive immediately, while payments sent via SEPA Credit Transfer or other local payment schemes will typically arrive in one business day.  Standing orders (recurring payments) must be denominated in GBP and can only be sent to recipients in the UK. Once created, standing order payments cannot be modified or canceled via the API. An end user can cancel or modify a standing order directly on their banking application or website, or by contacting the bank. Standing orders will follow the payment rules of the underlying rails (Faster Payments in UK). Payments can be sent Monday to Friday, excluding bank holidays. If the pre-arranged date falls on a weekend or bank holiday, the payment is made on the next working day. It is not possible to guarantee the exact time the payment will reach the recipient’s account, although at least 90% of standing order payments are sent by 6am.  In Limited Production, payments must be below 5 GBP or other chosen [currency](https://plaid.com/docs/api/products/payment-initiation/#payment_initiation-payment-create-request-amount-currency), and standing orders, variable recurring payments, and Virtual Accounts are not supported.
+    # After creating a payment recipient, you can use the &#x60;/payment_initiation/payment/create&#x60; endpoint to create a payment to that recipient.  Payments can be one-time or standing order (recurring) and can be denominated in either EUR, GBP or other chosen [currency](https://plaid.com/docs/api/products/payment-initiation/#payment_initiation-payment-create-request-amount-currency).  If making domestic GBP-denominated payments, your recipient must have been created with BACS numbers. In general, EUR-denominated payments will be sent via SEPA Credit Transfer, GBP-denominated payments will be sent via the Faster Payments network and for non-Eurozone markets typically via the local payment scheme, but the payment network used will be determined by the institution. Payments sent via Faster Payments will typically arrive immediately, while payments sent via SEPA Credit Transfer or other local payment schemes will typically arrive in one business day.  Standing orders (recurring payments) must be denominated in GBP and can only be sent to recipients in the UK. Once created, standing order payments cannot be modified or canceled via the API. An end user can cancel or modify a standing order directly on their banking application or website, or by contacting the bank. Standing orders will follow the payment rules of the underlying rails (Faster Payments in UK). Payments can be sent Monday to Friday, excluding bank holidays. If the pre-arranged date falls on a weekend or bank holiday, the payment is made on the next working day. It is not possible to guarantee the exact time the payment will reach the recipient’s account, although at least 90% of standing order payments are sent by 6am.
     # @param payment_initiation_payment_create_request [PaymentInitiationPaymentCreateRequest] 
     # @param [Hash] opts the optional parameters
     # @return [Array<(PaymentInitiationPaymentCreateResponse, Integer, Hash)>] PaymentInitiationPaymentCreateResponse data, response status code and response headers
@@ -12179,7 +12179,7 @@ module Plaid
     end
 
     # Report whether you initiated an ACH transaction
-    # 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.      
+    # 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]
@@ -12189,7 +12189,7 @@ module Plaid
     end
 
     # Report whether you initiated an ACH transaction
-    # 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.      
+    # 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
@@ -12247,7 +12247,7 @@ module Plaid
     end
 
     # Evaluate a planned ACH transaction
-    # Use `/processor/signal/evaluate` to evaluate a planned ACH transaction to get a return risk assessment and additional risk signals.  `/processor/signal/evaluate` uses Rulesets that are configured on the end customer's Dashboard and 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. Note that only customer-configured rulesets work with this endpoint; as a processor partner, you cannot create or configure your own rulesets. 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. 
+    # Use `/processor/signal/evaluate` to evaluate a planned ACH transaction to get a return risk assessment and additional risk signals.  `/processor/signal/evaluate` uses Rulesets that are configured on the end customer's Dashboard and 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. Note that only customer-configured rulesets work with this endpoint; as a processor partner, you cannot create or configure your own rulesets. 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]
@@ -12257,7 +12257,7 @@ module Plaid
     end
 
     # Evaluate a planned ACH transaction
-    # Use &#x60;/processor/signal/evaluate&#x60; to evaluate a planned ACH transaction to get a return risk assessment and additional risk signals.  &#x60;/processor/signal/evaluate&#x60; uses Rulesets that are configured on the end customer&#39;s Dashboard and 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. Note that only customer-configured rulesets work with this endpoint; as a processor partner, you cannot create or configure your own rulesets. 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. 
+    # Use &#x60;/processor/signal/evaluate&#x60; to evaluate a planned ACH transaction to get a return risk assessment and additional risk signals.  &#x60;/processor/signal/evaluate&#x60; uses Rulesets that are configured on the end customer&#39;s Dashboard and 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. Note that only customer-configured rulesets work with this endpoint; as a processor partner, you cannot create or configure your own rulesets. 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
@@ -13335,7 +13335,7 @@ module Plaid
     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.
+    # 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]
@@ -13345,7 +13345,7 @@ module Plaid
     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.
+    # 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
@@ -15443,7 +15443,7 @@ module Plaid
     end
 
     # Evaluate a planned ACH transaction
-    # 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.
+    # 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]
@@ -15453,7 +15453,7 @@ 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 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.
+    # 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
@@ -15511,7 +15511,7 @@ module Plaid
     end
 
     # 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.
+    # 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]
@@ -15521,7 +15521,7 @@ module Plaid
     end
 
     # 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.
+    # 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
@@ -19591,7 +19591,7 @@ module Plaid
     end
 
     # Create user
-    # 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 (Identity). If you are using Plaid Protect Link session scoring, you do not need to call `/user/create` first; Plaid will resolve or create the user when `user.client_user_id` is provided in `/link/token/create`. 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.
+    # 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 (Identity). If you are using Plaid Protect Link session scoring, you do not need to call `/user/create` first; Plaid will resolve or create the user when `user.client_user_id` is provided in `/link/token/create`. 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)
@@ -19602,7 +19602,7 @@ module Plaid
     end
 
     # Create user
-    # 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 (Identity). If you are using Plaid Protect Link session scoring, you do not need to call &#x60;/user/create&#x60; first; Plaid will resolve or create the user when &#x60;user.client_user_id&#x60; is provided in &#x60;/link/token/create&#x60;. 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.
+    # 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 (Identity). If you are using Plaid Protect Link session scoring, you do not need to call &#x60;/user/create&#x60; first; Plaid will resolve or create the user when &#x60;user.client_user_id&#x60; is provided in &#x60;/link/token/create&#x60;. 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)
@@ -20419,7 +20419,7 @@ module Plaid
     end
 
     # Update user information
-    # 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.
+    # 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)
@@ -20430,7 +20430,7 @@ module Plaid
     end
 
     # Update user information
-    # 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.
+    # 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)

data/lib/plaid/api_client.rb

@@ -7,7 +7,7 @@
 
 #The Plaid REST API. Please see https://plaid.com/docs/api for more details.
 
-The version of the OpenAPI document: 2020-09-14_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0
@@ -41,7 +41,7 @@ module Plaid
     # @option config [Configuration] Configuration for initializing the object, default to Configuration.default
     def initialize(config = Configuration.default)
       @config = config
-      @user_agent = "Plaid Ruby v46.0.0"
+      @user_agent = "Plaid Ruby v46.1.0"
       @default_headers = {
         'Content-Type' => 'application/json',
         'User-Agent' => @user_agent,

data/lib/plaid/api_error.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_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0

data/lib/plaid/configuration.rb

@@ -7,7 +7,7 @@
 
 #The Plaid REST API. Please see https://plaid.com/docs/api for more details.
 
-The version of the OpenAPI document: 2020-09-14_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0

data/lib/plaid/models/aamva_analysis.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_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0

data/lib/plaid/models/aamva_detailed_match_result.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_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0

data/lib/plaid/models/aamva_match_result.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_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0

data/lib/plaid/models/account_access.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_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0

data/lib/plaid/models/account_assets.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_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0

data/lib/plaid/models/account_balance.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_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0

data/lib/plaid/models/account_base.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_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0

data/lib/plaid/models/account_base_nullable.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_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0

data/lib/plaid/models/account_filter.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_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0

data/lib/plaid/models/account_filters_response.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_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0

data/lib/plaid/models/account_holder_category.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_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0

data/lib/plaid/models/account_identity.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_1.686.0
+The version of the OpenAPI document: 2020-09-14_1.688.0
 
 Generated by: https://openapi-generator.tech
 OpenAPI Generator version: 6.3.0