openapi: 3.2.0
info:
  title: Open Finance Verify Assets API
  description: 'OpenAPI specification for Finicity APIs.


    Open Finance (formerly Open Banking) solutions in the US are provided by

    Finicity, a Mastercard company.'
  contact:
    name: API Support
    email: apisupport@mastercard.com
    url: https://developer.mastercard.com/open-finance-us/documentation/support/
  version: 1.43.0
servers:
- url: https://api.finicity.com
  description: Production
security:
- FinicityAppKey: []
  FinicityAppToken: []
tags:
- name: Verify Assets
  description: Generate asset reports asynchronously
paths:
  /decisioning/v2/customers/{customerId}/voa:
    post:
      tags:
      - Verify Assets
      summary: Generate VOA Report for the Customer
      description: 'Generate a Verification of Assets (VOA) report for all checking, savings, money market, and investment accounts for the given customer. This service retrieves up to twelve months of transaction history for each account and uses this information to generate the VOA report.


        This is a premium service. The billing rate is the variable rate for Verification of Assets under the current subscription plan. The billable event is the successful generation of a VOA report.


        Before calling this API, a consumer must be created for the given customer ID (see Consumers APIs).


        If no account of type checking, savings, money market, or investment is found, the service will return HTTP 400 Bad Request.


        _Supported regions_: ![🇺🇸](https://flagcdn.com/20x15/us.png)'
      operationId: GenerateVOAReport
      parameters:
      - $ref: '#/components/parameters/CustomerIdParameter'
      - $ref: '#/components/parameters/ReportCallbackUrlParameter'
      requestBody:
        $ref: '#/components/requestBodies/GenerateVOAReportRequest'
      responses:
        '202':
          $ref: '#/components/responses/GenerateVOAReportResponse'
        '400':
          $ref: '#/components/responses/BadRequestErrorResponse'
        '401':
          $ref: '#/components/responses/UnauthorizedErrorResponse'
        '403':
          $ref: '#/components/responses/SecurityFreezeErrorResponse'
        '404':
          $ref: '#/components/responses/ResourceNotFoundErrorResponse'
  /decisioning/v2/customers/{customerId}/voaHistory:
    post:
      tags:
      - Verify Assets
      summary: Generate VOA With Income Report for the Customer
      description: 'Generate a Verification of Assets with Income (VOAI) report for all checking, savings, money market, and investment accounts for the given customer.


        This service retrieves up to 24 months of transaction history for each account and uses this information to generate the VOAI report. By default, the history is set to 61 days, however, you can change the transaction history by setting the `fromDate` parameter. The report also includes up to 24 months of income credit transactions (ordered by account and confidence level) regardless of `fromDate` for income verification.


        With `incomeFromDate`, user can alter the income data to be displayed in the Report.


        This is a premium service. The billable event is the successful generation of a VOAI report.


        Before calling this API, a consumer must be created for the given customer ID (see Consumers APIs).


        If no account of type checking, savings, money market, or investment is found, the service will return HTTP 400 Bad Request.


        _Supported regions_: ![🇺🇸](https://flagcdn.com/20x15/us.png)'
      operationId: GenerateVOAWithIncomeReport
      parameters:
      - $ref: '#/components/parameters/CustomerIdParameter'
      - $ref: '#/components/parameters/ReportCallbackUrlParameter'
      requestBody:
        $ref: '#/components/requestBodies/GenerateVOAWithIncomeReportRequest'
      responses:
        '202':
          $ref: '#/components/responses/GenerateVOAWithIncomeReportResponse'
        '400':
          $ref: '#/components/responses/BadRequestErrorResponse'
        '401':
          $ref: '#/components/responses/UnauthorizedErrorResponse'
        '403':
          $ref: '#/components/responses/SecurityFreezeErrorResponse'
        '404':
          $ref: '#/components/responses/ResourceNotFoundErrorResponse'
  /decisioning/v2/customers/{customerId}/preQualVoa:
    post:
      tags:
      - Verify Assets
      summary: Generate Prequalification (CRA) Report for the Customer
      description: 'Retrieve all checking, savings, money market, and investment accounts for a consumer. The account, owner information, and the number of insufficient funds (NSFs) for checking accounts are also provided.


        If no account of type checking, savings, money market, or investment is found, the service will return HTTP 400 Bad Request.


        _Supported regions_: ![🇺🇸](https://flagcdn.com/20x15/us.png)'
      operationId: GeneratePrequalificationCRAReport
      parameters:
      - $ref: '#/components/parameters/CustomerIdParameter'
      - $ref: '#/components/parameters/ReportCallbackUrlParameter'
      requestBody:
        $ref: '#/components/requestBodies/GeneratePrequalificationReportRequest'
      responses:
        '202':
          $ref: '#/components/responses/GeneratePrequalificationCRAReportResponse'
        '400':
          $ref: '#/components/responses/BadRequestErrorResponse'
        '401':
          $ref: '#/components/responses/UnauthorizedErrorResponse'
        '403':
          $ref: '#/components/responses/SecurityFreezeErrorResponse'
        '404':
          $ref: '#/components/responses/ResourceNotFoundErrorResponse'
  /decisioning/v2/customers/{customerId}/assetSummary:
    post:
      tags:
      - Verify Assets
      summary: Generate Prequalification (Non-CRA) Report
      description: 'Retrieve all checking, savings, money market, and investment accounts for a customer. The account, owner information, and the number of insufficient funds (NSFs) for checking accounts are also provided.


        If no account type of checking, savings, money market, or investment is found, the service will return HTTP 400 Bad Request.


        _Supported regions_: ![🇺🇸](https://flagcdn.com/20x15/us.png)'
      operationId: GeneratePrequalificationNonCRAReport
      parameters:
      - $ref: '#/components/parameters/CustomerIdParameter'
      - $ref: '#/components/parameters/ReportCallbackUrlParameter'
      requestBody:
        $ref: '#/components/requestBodies/GeneratePrequalificationReportRequest'
      responses:
        '202':
          $ref: '#/components/responses/GeneratePrequalificationNonCRAReportResponse'
        '400':
          $ref: '#/components/responses/BadRequestErrorResponse'
        '401':
          $ref: '#/components/responses/UnauthorizedErrorResponse'
        '403':
          $ref: '#/components/responses/SecurityFreezeErrorResponse'
        '404':
          $ref: '#/components/responses/ResourceNotFoundErrorResponse'
components:
  examples:
    MissingFinicityAppKeyExample:
      value:
        code: '10026'
        message: Missing parameter (Finicity-App-Key)
    ResellerInvalidDateRangeGreaterThan31DaysExample:
      value:
        code: '10100'
        message: 'RESELLER_BILLING_REPORT: Invalid date range - It is more than 31 days'
    ResellerNoReportForPartnerExample:
      value:
        code: '10100'
        message: Cannot find resellerBilling reports with id 2445581559892.
    ResellerInvalidDateRangeGreaterThanEndDateExample:
      value:
        code: '10100'
        message: 'RESELLER_BILLING_REPORT: Invalid date range - startDate is greaterThan endDate'
    BothCraAndFtcPurposeTrueExample:
      value:
        code: '10100'
        status: '400'
        message: forCRAPurpose and forFTCPurpose may not both be TRUE.
    SecurityFreezeErrorExample:
      value:
        code: '10405'
        status: '403'
        message: The active security freeze for this consumer exists.
    MissingFieldExample:
      value:
        code: '10005'
        message: Missing parameter (partnerId)
    ResellerInvalidDateRangeLessThanZeroExample:
      value:
        code: '10100'
        message: 'RESELLER_BILLING_REPORT: Invalid date range - start or end date less than or equal to zero'
    InvalidConsumerEmailExample:
      value:
        code: '10100'
        message: Invalid format for field consumer.email.
    GenerateVOAWithIncomeReportRequestExample:
      value:
        accountIds: '1000535275'
        fromDate: 1580558400
        incomeFromDate: 1680518400
        reportCustomFields:
        - label: loanID
          value: '12345'
          shown: true
        - label: trackingID
          value: '5555'
          shown: true
        - label: loanType
          value: car
          shown: false
        - label: vendorID
          value: 1613aa23
          shown: true
        - label: vendorName
          value: PSC Finance
          shown: false
        showNsf: false
        incomeStreamConfidenceMinimum: 50
    BadCredentialsExample:
      value:
        code: '24302'
        message: Bad credentials
    InvalidForesightReportRequestExample:
      value:
        code: '10100'
        message: At least one of customerId or externalCustomerId must be provided; both are also allowed.
    NoRegisteredApplicationExample:
      value:
        code: '50051'
        message: No registered partner applications found.
    ExpiredFinicityAppTokenExample:
      value:
        code: '10023'
        message: Expired (Finicity-App-Token)
    InvalidFieldExample:
      value:
        code: '10010'
        status: '400'
        message: Customer ID does not exist or does not belong to this partner
        user_message: One or more of the fields could not be validated. Please ensure you have entered the correct data.
        tags: ''
    InvalidValueExample:
      value:
        code: '1618'
        message: Negative or invalid value entered. Please use positive numbers only.
    GenerateVOAReportRequestExample:
      value:
        accountIds: '1000535275'
        reportCustomFields:
        - label: loanID
          value: '12345'
          shown: true
        - label: trackingID
          value: '5555'
          shown: true
        - label: loanType
          value: car
          shown: false
        - label: vendorID
          value: 1613aa23
          shown: true
        - label: vendorName
          value: PSC Finance
          shown: false
        showNsf: false
        fromDate: 1580558400
    InvalidConsumerSSNExample:
      value:
        code: '10100'
        message: Invalid format for field consumer.ssn.  Required format is 9 digits.
    InvalidFinicityAppTokenExample:
      value:
        code: '10022'
        message: Invalid (Finicity-App-Token)
    NoAccountForInstitutionLoginIdExample:
      value:
        code: '38007'
        message: Customer does not have any accounts associated with institutionLoginId.
    CustomerNotFoundExample:
      value:
        code: '14001'
        message: Customer not found.
    ResellerNoDataForPartnerExample:
      value:
        code: '10100'
        message: 'RESELLER_BILLING_REPORT: Reports not found 2445583947903 resellerBilling reports'
    GenerateVOAWithIncomeReportResponseExample:
      value:
        id: u4hstnyak45g
        portfolioId: dyr6weqd2yhb-1-port
        customerType: active
        customerId: 1000006677
        requestId: sfb7x1we9w
        requesterName: Decisioning API
        endUser:
          name: ABC Apartments
          address: 123 Main St
          city: Murray
          state: UT
          zip: '84123'
          phone: 555-2106
          email: customerservice@example.com
          url: example.com
        createdDate: 1588350269
        title: Verification of Asset and Income - Transactions
        consumerId: ac39e237c7619a4ecf014b8d399c0696
        consumerSsn: '6789'
        consumerDetails:
          id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4
          firstName: John
          middleName: Doe
          lastName: Jane
          address: 123 Marple Street
          city: Anytown
          state: PA
          zip: '17101'
          phone: '5551234567'
          ssn: '1234'
          email: john.doe@example.com
        constraints:
          accountIds:
          - '1000535275'
          fromDate: 1580558400
          incomeFromDate: 1680518400
          reportCustomFields:
          - label: loanID
            value: '12345'
            shown: true
          - label: trackingID
            value: '5555'
            shown: true
          - label: loanType
            value: car
            shown: false
          - label: vendorID
            value: 1613aa23
            shown: true
          - label: vendorName
            value: PSC Finance
            shown: false
          showNsf: false
          incomeStreamConfidenceMinimum: 50
        type: voaHistory
        status: inProgress
    ResellerInvalidDateRangeExample:
      value:
        code: '10100'
        message: 'RESELLER_BILLING_REPORT: Invalid date range - start or end date is empty or null'
    ExpiredTokenExample:
      value:
        code: '10023'
        message: Expired (Finicity-App-Token)
    ResourceNotFoundExample:
      value:
        code: '14001'
        message: Resource not found.
    ConsumerNotFoundExample:
      value:
        code: '10100'
        message: Cannot find consumer with id 1234.
    GeneratePrequalificationNonCRAReportResponseExample:
      value:
        id: rceiqx616awa-assetsummary
        portfolioId: 0whcism47ttt-5-port
        customerType: active
        customerId: 1000006677
        requestId: sfb7xp4iui
        requesterName: Decisioning API
        createdDate: 1588350269
        title: Asset Ready Report (NON-CRA)
        constraints:
          accountIds:
          - '1000535275'
          - '1000535276'
          fromDate: 1577986990
          reportCustomFields:
          - label: loanID
            value: '12345'
            shown: true
          - label: trackingID
            value: '5555'
            shown: true
          - label: loanType
            value: car
            shown: false
          - label: vendorID
            value: 1613aa23
            shown: true
          - label: vendorName
            value: PSC Finance
            shown: false
          showNsf: false
        type: assetSummary
        status: inProgress
    GenericBadRequestExample:
      value:
        code: '14020'
        message: Bad request.
    NoConsumerForCustomerExample:
      value:
        code: '10100'
        message: Cannot find consumer for customer with id 5011115315."
    InvalidConsumerPhoneExample:
      value:
        code: '10100'
        message: Invalid format for field consumer.phone.
    AccountTypeNotSupportedExample:
      value:
        code: '14020'
        message: Bad request. (Account type not supported).
    GeneratePrequalificationCRAReportResponseExample:
      value:
        id: 88w4fbssrbja-prequalvoa
        portfolioId: 0whcism47a34-5-port
        customerType: active
        customerId: 1000006677
        requestId: sfb7xacr9w
        requesterName: Decisioning API
        endUser:
          name: ABC Apartments
          address: 123 Main St
          city: Murray
          state: UT
          zip: '84123'
          phone: 555-2106
          email: customerservice@example.com
          url: example.com
        createdDate: 1588350269
        title: Asset Ready Report (CRA)
        consumerId: cb619e10185177cd92271c4da2df3fa3
        consumerSsn: '6789'
        consumerDetails:
          id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4
          firstName: John
          middleName: Doe
          lastName: Jane
          address: 123 Marple Street
          city: Anytown
          state: PA
          zip: '17101'
          phone: '5551234567'
          ssn: '1234'
          email: john.doe@example.com
        constraints:
          accountIds:
          - '1000535275'
          - '1000535276'
          fromDate: 1577986990
          reportCustomFields:
          - label: loanID
            value: '12345'
            shown: true
          - label: trackingID
            value: '5555'
            shown: true
          - label: loanType
            value: car
            shown: false
          - label: vendorID
            value: 1613aa23
            shown: true
          - label: vendorName
            value: PSC Finance
            shown: false
          showNsf: false
        type: preQualVoa
        status: inProgress
    PermissiblePurposeCodeExample:
      value:
        code: '10100'
        status: '400'
        message: Permissible Purpose Code is required
    ResellerPartnerNotAuthorizedExample:
      value:
        code: '10100'
        message: 'RESELLER_BILLING_REPORT: Partner is not authorized to access resellerBilling reports for partnerId 2445583947903'
    GenerateVOAReportResponseExample:
      value:
        id: u4hstnnak45g
        portfolioId: dyr6qvqd2yhb-1-port
        customerType: active
        customerId: 1000006677
        requestId: sfb7xp439w
        requesterName: Decisioning API
        endUser:
          name: ABC Apartments
          address: 123 Main St
          city: Murray
          state: UT
          zip: '84123'
          phone: 555-2106
          email: customerservice@example.com
          url: example.com
        createdDate: 1588350269
        title: Mastercard Open Banking Verification of Assets
        consumerId: ac39e237c7619a4ecf014b8d399c0696
        consumerSsn: '6789'
        consumerDetails:
          id: 3f7ff2cf0ffb3d0cd59875e070c9b1d4
          firstName: John
          middleName: Doe
          lastName: Jane
          address: 123 Marple Street
          city: Anytown
          state: PA
          zip: '17101'
          phone: '5551234567'
          ssn: '1234'
          email: john.doe@example.com
        constraints:
          accountIds:
          - '1000535275'
          - '1000535276'
          fromDate: 1577986990
          showNsf: false
          reportCustomFields:
          - label: loanID
            value: '12345'
            shown: true
          - label: trackingID
            value: '5555'
            shown: true
          - label: loanType
            value: car
            shown: false
          - label: vendorID
            value: 1613aa23
            shown: true
          - label: vendorName
            value: PSC Finance
            shown: false
        type: voa
        status: inProgress
    CustomerReportLimitExceedExample:
      value:
        code: '20400'
        message: The max report generation limit was exceeded for this customer.
    InvalidExperienceFieldExample:
      value:
        code: '10010'
        status: '400'
        message: '"experience" must be a valid GUID'
        user_message: One or more of the fields could not be validated. Please ensure you have entered the correct data.
        tags: ''
    GeneratePrequalificationReportRequestExample:
      value:
        accountIds: '1000535275'
        fromDate: 1580558400
        reportCustomFields:
        - label: loanID
          value: '12345'
          shown: true
        - label: trackingID
          value: '5555'
          shown: true
        - label: loanType
          value: car
          shown: false
        - label: vendorID
          value: 1613aa23
          shown: true
        - label: vendorName
          value: PSC Finance
          shown: false
        showNsf: false
    MissingFinicityAppTokenExample:
      value:
        code: '10024'
        message: Missing parameter (Finicity-App-Token)
  schemas:
    SecurityFreezeErrorMessage:
      required:
      - code
      - message
      type: object
      properties:
        code:
          type: integer
          description: 'An error code for security freeze. Useful links: [API Errors](https://developer.mastercard.com/open-finance-us/documentation/errors/), [Aggregation Status Codes](https://developer.mastercard.com/open-finance-us/documentation/products/manage/aggregation-status-codes/).'
          format: int32
          example: 10405
        status:
          type: string
          description: A status code
          example: '403'
        message:
          type: string
          description: An error message
          example: The active security freeze for this consumer exists.
    EndUserUrl:
      type: string
      description: Reseller end user URL
      minLength: 2
      maximum: 999
      example: testurl.com
    ReportType:
      description: 'A report type. Possible values:


        * `voi`


        * `voa`


        * `voaHistory`


        * `history`


        * `voieTxVerify`


        * `voieWithReport`


        * `voieWithInterview`


        * `voieWithStatement`


        * `paystatement`


        * `preQualVoa`


        * `assetSummary`


        * `voie`


        * `transactions`


        * `statement`


        * `voiePayroll`


        * `voeTransactions`


        * `farpbfnoncra`


        * `voePayroll`


        * `cfrp`


        * `cfrb`


        * `barpcra`


        * `barpnoncra`


        * `barbcra`


        * `barbftc`


        * `barbnoncra`


        * `cfrpcra`


        * `cfrpnoncra`


        * `cracfrbcra`


        * `cfrbnoncra`


        * `cfrbftc`


        * `phrbcra`


        * `phrbnoncra`


        * `phrbftc`


        * `sbcaanalyticsnoncra`


        * `sbcabenchmarksnoncra`


        * `pripcra`


        * `pripnoncra`


        * `pribcra`


        * `pribnoncra`


        * `pribftc`

        '
      type: string
      example: voi
    ZipCode:
      type: string
      description: A ZIP code
      example: '84123'
    ReportCustomField:
      type: object
      properties:
        label:
          type: string
          description: The name of the custom field
          example: loanID
        value:
          type: string
          description: The value of the custom field
          example: '123456'
        shown:
          type: boolean
          description: If the custom field will show on the PDF or not
          example: true
    VOIReportConstraintsOut:
      type: object
      properties:
        accountIds:
          $ref: '#/components/schemas/ReportAccountIds'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
        fromDate:
          $ref: '#/components/schemas/UnixDate'
        incomeStreamConfidenceMinimum:
          $ref: '#/components/schemas/IncomeStreamConfidenceMinimum'
    NumericCustomerId:
      type: integer
      format: int64
      description: A customer ID represented as a number. See Add Customer API for how to create a customer ID.
      example: 1005061234
    TransactionsReportConstraintsOut:
      type: object
      properties:
        accountIds:
          $ref: '#/components/schemas/ReportAccountIds'
        fromDate:
          $ref: '#/components/schemas/UnixDate'
        toDate:
          $ref: '#/components/schemas/UnixDate'
        includePending:
          $ref: '#/components/schemas/IncludePending'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
        findTransaction:
          $ref: '#/components/schemas/FindTransactionConstraints'
    ConsumerId:
      type: string
      description: A consumer ID. See Create Consumer API for how to create a consumer ID.
      example: 0bf46322c167b562e6cbed9d40e19a4c
    BaseReportAckWithPortfolioId:
      description: Properties shared by all generated reports having a portfolio ID
      allOf:
      - $ref: '#/components/schemas/BaseReportAck'
      - type: object
        properties:
          portfolioId:
            $ref: '#/components/schemas/PortfolioId'
    PayStatementData:
      description: Data to be included within the pay statement report
      required:
      - assetIds
      type: object
      properties:
        assetIds:
          description: A list of pay statement asset IDs
          type: array
          items:
            $ref: '#/components/schemas/AssetId'
        extractEarnings:
          $ref: '#/components/schemas/ExtractEarnings'
        extractDeductions:
          $ref: '#/components/schemas/ExtractDeductions'
        extractDirectDeposit:
          $ref: '#/components/schemas/ExtractDirectDeposit'
    VOAWithIncomeReportConstraints:
      type: object
      properties:
        accountIds:
          $ref: '#/components/schemas/ReportAccountIdsString'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
        showNsf:
          $ref: '#/components/schemas/ShowNsf'
        fromDate:
          $ref: '#/components/schemas/UnixDate'
        incomeFromDate:
          $ref: '#/components/schemas/VOAIncomeReportIncomeFromDate'
        incomeStreamConfidenceMinimum:
          $ref: '#/components/schemas/IncomeStreamConfidenceMinimum'
    EmailAddress:
      type: string
      description: An email address
      example: myname@mycompany.com
    VOAIncomeReportIncomeFromDate:
      type: integer
      description: 'A date in Unix epoch time (in seconds). See: [Handling Epoch Dates and Times](https://developer.mastercard.com/open-finance-us/documentation/errors/best-practices/).


        By default, the income history is set to 24 months, however, a partner can change the transaction history by setting the `incomeFromDate` parameter.'
      format: int64
      example: 1607450357
    FindTransactionDescriptionMemo:
      type: string
      description: "A string to return transactions that have an exact match to Description/Memo.</br>\n- Description/Memo</br>\n  - Found in the PDF report for reach transactions.</br>\n  - A combination of **description** and **memo** from the JSON version\nof the report.</br>\n"
      example: Paycheck
    FindTransactionAmountTo:
      type: number
      description: 'A decimal value to return transactions with **amount** less than or equal to **findTransactionAmountTo**.</br>

        - If both **findTransactionAmountFrom** and **findTransactionAmountTo** are present. Then transactions with  **amount** between (inclusive) both values will be returned.

        '
      example: 100
    Age:
      type: integer
      description: Age is an optional parameter. This data is used to determine the age band the customer falls into.
      format: int64
      example: 25
      minimum: 0
      maximum: 125
    GeoLocation:
      type: array
      items:
        $ref: '#/components/schemas/GeoLocationItems'
      description: Geolocation array of objects;
    TimeIntervalType:
      description: Possible values for strategies in which attributes may be aggregated and reported across varying time intervals. Allowed Values - MONTHLY_CALENDAR - MONTHLY_ROLLING_30
      example: MONTHLY_CALENDAR
      type: string
      default: MONTHLY_CALENDAR
    PayStatementReportConstraints:
      required:
      - paystatementReport
      type: object
      properties:
        paystatementReport:
          $ref: '#/components/schemas/PayStatementData'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
    VOAReportConstraintsOut:
      type: object
      properties:
        accountIds:
          $ref: '#/components/schemas/ReportAccountIds'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
        toDate:
          $ref: '#/components/schemas/UnixDate'
        showNsf:
          $ref: '#/components/schemas/ShowNsf'
        fromDate:
          $ref: '#/components/schemas/UnixDate'
    AddressLine1:
      type: string
      description: Address line 1
      example: 434 W Ascension Way
    PrequalificationReportConstraints:
      type: object
      properties:
        accountIds:
          $ref: '#/components/schemas/ReportAccountIdsString'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
        showNsf:
          $ref: '#/components/schemas/ShowNsf'
        fromDate:
          $ref: '#/components/schemas/UnixDate'
    PortfolioId:
      type: string
      description: A unique identifier that will be consistent across all reports created for the same customer
      example: y4zsgccj4xpw-6-port
    ReportAccountIds:
      description: An array of account IDs to be included in the report (all accounts will be included if not set)
      type: array
      items:
        $ref: '#/components/schemas/AccountId'
      example:
      - '5011648377'
      - '5011648378'
      - '5011648379'
    PrequalificationReportConstraintsOut:
      type: object
      properties:
        accountIds:
          $ref: '#/components/schemas/ReportAccountIds'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
        showNsf:
          $ref: '#/components/schemas/ShowNsf'
        fromDate:
          $ref: '#/components/schemas/UnixDate'
    VOIEWithStatementData:
      required:
      - assetIds
      type: object
      properties:
        assetIds:
          description: A list of pay statement asset IDs
          type: array
          items:
            $ref: '#/components/schemas/AssetId'
        extractEarnings:
          $ref: '#/components/schemas/ExtractEarnings'
        extractDeductions:
          $ref: '#/components/schemas/ExtractDeductions'
        extractDirectDeposit:
          $ref: '#/components/schemas/ExtractDirectDeposit'
    IncomeStreamConfidenceMinimum:
      type: integer
      description: Include income streams in the report, based on the income stream's confidence score. For example, Use the value 50 to include only income streams with a confidence score of 50 or higher.
      format: int32
      example: 50
    MiddleName:
      type: string
      description: The middle name of the account holder
      example: L
    StatementReportConstraints:
      required:
      - statementReportData
      type: object
      properties:
        statementReportData:
          $ref: '#/components/schemas/StatementData'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
    IncludePending:
      type: boolean
      description: If pending transactions must be included
      example: true
      default: false
    PhoneNumber:
      type: string
      description: A phone number (max length 15).
      example: 1-801-984-4200
    ForesightAnalyticsReportData:
      description: Parameters supplied by the client requesting the analytics.
      properties:
        forCraPurpose:
          type: boolean
          description: Field to indicate if the requested report is for CRA or NONCRA. For small business lending or other similar business use cases, pass the value as “true” for purposes of this field.
          example: true
        segments:
          type: object
          description: Requested segments for attribute values.
          properties:
            geolocation:
              $ref: '#/components/schemas/GeoLocation'
        analytics:
          description: Analytics information for the requested report. The allowed values are benchmarking & forecasting. If it is null, default to benchmarking and forecasting
          example:
          - benchmarking
          - forecasting
          minItems: 2
          maxItems: 2
          items:
            $ref: '#/components/schemas/AnalyticsType'
          type: array
        timeIntervalTypes:
          description: Requested time interval for attribute values.
          example:
          - MONTHLY_CALENDAR
          maxItems: 2
          items:
            $ref: '#/components/schemas/TimeIntervalType'
          type: array
        income:
          $ref: '#/components/schemas/Income'
        age:
          $ref: '#/components/schemas/Age'
      type: object
    ErrorMessage:
      required:
      - code
      type: object
      properties:
        code:
          type: object
          description: 'An error code (can be returned as a number or a string). Useful links: [Common API Status Codes](https://developer.mastercard.com/open-finance-us/documentation/errors/best-practices/#common-api-status-codes), [Aggregation Status Codes](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/#aggregation-status-codes).'
          example: '10001'
        status:
          type: string
          description: A status code
          example: '401'
        title:
          type: string
          description: A title for the error
          example: Connecting accounts error
        level:
          type: string
          description: An error level
          example: error
        message:
          type: string
          description: An error message
          example: Invalid authorization credentials
        user_message:
          type: string
          description: Some more details about the error
          example: The session has expired or is invalid
        assetId:
          $ref: '#/components/schemas/AssetId'
        accountId:
          $ref: '#/components/schemas/AccountId'
        externalTransactionId:
          type: string
          description: A unique identifier for the transaction that assists in linking data back to your systems.
          example: MAC1005061234
          minLength: 1
          maxLength: 100
        tags:
          type: string
          description: Categories that the error belongs to
          example: AGG
    GeoLocationItems:
      type: object
      properties:
        label:
          type: string
          description: The name of the Geolocation details. Possible values are POSTAL_CODE
          example: POSTAL_CODE
        value:
          type: string
          description: The value of the Geolocation field
          example: '85123'
    ReportCustomFields:
      type: array
      items:
        $ref: '#/components/schemas/ReportCustomField'
      description: 'The `reportCustomFields` parameter is used when experiences are associated with a credit decisioning report.


        Designate up to 5 custom fields that you''d like associated with the report when it''s generated. Every custom field consists of three variables: `label`, `value`, and `shown`. The `shown` variable is "true" or "false".

        * "true": (default) display the custom field in the PDF report

        * "false": don''t display the custom field in the PDF report


        For an experience that generates multiple reports, the `reportCustomFields` parameter gets passed to all reports.


        All custom fields display in the Reseller Billing API.'
    ShowNsf:
      type: boolean
      description: 'Include the non-sufficient funds (NSF) summary JSON and the NSF summary PDF section in the report. Data included:

        * Account


        * Total number of NSF funds


        * Days since the most recent NFS funds fee'
      example: false
    AccountId:
      type: string
      description: An account ID
      example: '5011648377'
    SocialSecurityNumberLastDigits:
      type: string
      description: Last 4 digits of a SSN
      example: '9999'
    VOAWithIncomeReportAck:
      description: A VOA with income report being generated
      required:
      - id
      - portfolioId
      - customerType
      - customerId
      - requestId
      - requesterName
      - createdDate
      - title
      - consumerId
      - consumerSsn
      - type
      - status
      - constraints
      allOf:
      - $ref: '#/components/schemas/BaseReportAckWithPortfolioId'
      - type: object
        properties:
          constraints:
            $ref: '#/components/schemas/VOAWithIncomeReportConstraintsOut'
    PayrollDataRetrievalId:
      type: string
      description: An ID to identify the data retrieved from the payroll providers for the report.
      example: hahvhe2k0000
    VOAWithIncomeReportConstraintsOut:
      type: object
      properties:
        accountIds:
          $ref: '#/components/schemas/ReportAccountIds'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
        showNsf:
          $ref: '#/components/schemas/ShowNsf'
        fromDate:
          $ref: '#/components/schemas/UnixDate'
        incomeFromDate:
          $ref: '#/components/schemas/VOAIncomeReportIncomeFromDate'
        voaiPdfDepositView:
          type:
          - boolean
          - 'null'
          description: Provide an alternate PDF view of deposit transactions group by income stream in PDF.
          example: true
        incomeStreamConfidenceMinimum:
          $ref: '#/components/schemas/IncomeStreamConfidenceMinimum'
    ReportRequestId:
      type: string
      description: Finicity indicator to track all activity associated with this report
      example: cjqm4wtdcn
    EmploymentId:
      type: string
      description: This is a Mastercard assigned ID to the employment record. It remains consistent for that employment record, even if the report is refreshed. It can be used to limit the employment records that are returned in the report.
      example: 123v3bv2s5n
    ExtractDeductions:
      type: boolean
      description: Field to indicate whether to extract the deductions on all pay statements
      default: false
      example: true
    VOIEWithTXVerifyReportConstraintsOut:
      required:
      - voieWithInterviewData
      type: object
      properties:
        accountIds:
          $ref: '#/components/schemas/ReportAccountIds'
        voieWithInterviewData:
          $ref: '#/components/schemas/VOIEWithInterviewData'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
        fromDate:
          $ref: '#/components/schemas/UnixDate'
        incomeStreamConfidenceMinimum:
          $ref: '#/components/schemas/IncomeStreamConfidenceMinimum'
    CashFlowReportConstraintsOut:
      type: object
      properties:
        accountIds:
          $ref: '#/components/schemas/ReportAccountIds'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
        showNsf:
          $ref: '#/components/schemas/ShowNsf'
        fromDate:
          $ref: '#/components/schemas/UnixDate'
        incomeStreamConfidenceMinimum:
          $ref: '#/components/schemas/IncomeStreamConfidenceMinimum'
    AnalyticsReportData:
      description: Parameters supplied by the client requesting the analytics.
      properties:
        forCraPurpose:
          type: boolean
          description: Field to indicate if the requested report is for CRA or NONCRA. For small business lending or other similar business use cases, pass the value as “true” for purposes of this field.
          example: true
        applicantIsPersonalGuarantor:
          type: boolean
          description: Field to indicate if the business owner will personally guarantee the loan. If true, a consumer record will be required.
          example: true
        forFtcPurpose:
          type: boolean
          description: Field to indicate if the requested report is for FTC purpose. Only applicable to business reports.
          example: false
        timeIntervalTypes:
          description: Requested time interval for attribute values.
          example:
          - MONTHLY_CALENDAR
          maxItems: 2
          items:
            $ref: '#/components/schemas/TimeIntervalType'
          type: array
      type: object
    FindTransactionAmountFrom:
      type: number
      description: 'A decimal value to return transactions with **amount** greater than or equal to **findTransactionAmountFrom**.</br>

        - If both **findTransactionAmountFrom** and **findTransactionAmountTo** are present. Then transactions with  **amount** between (inclusive) both values will be returned.

        '
      example: 100
    LastName:
      type: string
      description: The last name of the account holder
      example: Smith
    Income:
      type: integer
      description: "Income is an optional parameter. It is the dollar amount for the customer's annual\n        household income and is used to determine the income band the\ncustomer falls into."
      format: int64
      example: 1000
      minimum: 0
    TxVerifyInterview:
      required:
      - assetId
      type: object
      properties:
        assetId:
          $ref: '#/components/schemas/AssetId'
        accounts:
          $ref: '#/components/schemas/ReportAccountIds'
    VOETransactionsReportConstraintsOut:
      type: object
      properties:
        reportId:
          $ref: '#/components/schemas/ReportId'
        accountIds:
          $ref: '#/components/schemas/ReportAccountIds'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
        fromDate:
          $ref: '#/components/schemas/UnixDate'
        incomeStreamConfidenceMinimum:
          $ref: '#/components/schemas/IncomeStreamConfidenceMinimum'
    PayrollDataOut:
      type: object
      properties:
        payrollDataRetrievalId:
          $ref: '#/components/schemas/PayrollDataRetrievalId'
        payrollAggregatorResponseId:
          $ref: '#/components/schemas/PayrollDataRetrievalId'
        consentMethod:
          type: string
          description: Client-collected consent payroll report tagging.
          example: Written Generic - Finicity Set
        employmentIds:
          type: array
          description: An array of employmentIds
          items:
            $ref: '#/components/schemas/EmploymentId'
        payrollAccountIds:
          type: array
          description: An array of payrollAccountIds
          items:
            $ref: '#/components/schemas/PayrollAccountId'
        reportId:
          $ref: '#/components/schemas/ReportId'
    ConsumerEndUser:
      description: Reseller end user information. This is populated only when the report requires a consumer record to be generated and the consumer object includes end user details. The partner is expected to include endUser details when creating a consumer if the end user of the consumer reports is another entity than the partner generating the report.
      required:
      - name
      - address
      - city
      - state
      - zip
      - phone
      type: object
      properties:
        name:
          $ref: '#/components/schemas/FirstName'
        address:
          $ref: '#/components/schemas/AddressLine1'
        city:
          $ref: '#/components/schemas/City'
        state:
          $ref: '#/components/schemas/State'
        zip:
          $ref: '#/components/schemas/ZipCode'
        phone:
          $ref: '#/components/schemas/PhoneNumber'
        email:
          $ref: '#/components/schemas/EmailAddress'
        url:
          $ref: '#/components/schemas/EndUserUrl'
    FindTransactionConstraints:
      description: Parameters used to return transactions matching the given criteria. The presence of multiple parameters will be treated as an **AND**  function.
      type: object
      properties:
        findTransactionDescriptionMemo:
          $ref: '#/components/schemas/FindTransactionDescriptionMemo'
        findTransactionAmountFrom:
          $ref: '#/components/schemas/FindTransactionAmountFrom'
        findTransactionAmountTo:
          $ref: '#/components/schemas/FindTransactionAmountTo'
        findTransactionCategory:
          $ref: '#/components/schemas/FindTransactionCategory'
    DisputeStatement:
      description: A consumer-provided statement describing the nature of an unresolved dispute. This field is populated only if a consumer dispute remains unresolved, and the consumer has requested that a statement be included in their report.
      type: string
      minLength: 1
      maxLength: 2000
      example: Statement dispute text
    ReportStatus:
      type: string
      description: 'A report generation status. Possible values:


        * `inProgress`


        * `success`


        * `failure`

        '
      example: inProgress
    AssetId:
      type: string
      description: An asset ID. Generated by Data Connect or by using the Store Customer Pay Statement API.
      example: 097545c5-1c2a-4f20-a5ef-77f0820344c9-2018601178
    AnalyticsType:
      description: Analytics type. Allowed Values are benchmarking and forecasting.
      example: benchmarking
      type: string
    ForesightAnalyticsReportConstraints:
      type: object
      properties:
        analyticsReportData:
          $ref: '#/components/schemas/ForesightAnalyticsReportData'
        accountIds:
          $ref: '#/components/schemas/ReportAccountIdsString'
        fromDate:
          $ref: '#/components/schemas/UnixDate'
    VOIEWithInterviewData:
      required:
      - txVerifyInterview
      type: object
      properties:
        txVerifyInterview:
          description: An array of `TxVerifyInterview` objects
          type: array
          items:
            $ref: '#/components/schemas/TxVerifyInterview'
        extractEarnings:
          $ref: '#/components/schemas/ExtractEarnings'
        extractDeductions:
          $ref: '#/components/schemas/ExtractDeductions'
        extractDirectDeposit:
          $ref: '#/components/schemas/ExtractDirectDeposit'
    CustomerType:
      type: string
      description: The type of customer ("active" or "testing" or "" for all types)
      example: active
    NumericAccountId:
      type: integer
      format: int64
      description: An account ID represented as a number
      example: 5011648377
    ExtractDirectDeposit:
      type: boolean
      description: Field to indicate whether to extract the direct deposits on all pay statements
      default: true
      example: true
    PartnerName:
      type: string
      description: Name of a Finicity partner
      example: Finicity Test API
    PayrollReportConstraintsOut:
      required:
      - payrollData
      type: object
      properties:
        payrollData:
          $ref: '#/components/schemas/PayrollDataOut'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
        payStatementsFromDate:
          $ref: '#/components/schemas/UnixDate'
    VOIEReportConstraints:
      required:
      - voieWithStatementData
      type: object
      properties:
        voieWithStatementData:
          $ref: '#/components/schemas/VOIEWithStatementData'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
      description: The request details from the report generation that were used to generate the report
    AnalyticsReportConstraintsOut:
      type: object
      properties:
        analyticsReportData:
          $ref: '#/components/schemas/AnalyticsReportData'
        accountIds:
          $ref: '#/components/schemas/ReportAccountIds'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
        fromDate:
          $ref: '#/components/schemas/UnixDate'
    FindTransactionCategory:
      type: array
      description: 'An array of **categories** to return transactions with an exact match to the array of **category**. Limit of 10.

        '
      maxItems: 10
      items:
        type: string
      example:
      - Paycheck
      - Groceries
    VOAReportAck:
      description: A VOA report being generated
      required:
      - id
      - portfolioId
      - customerType
      - customerId
      - requestId
      - requesterName
      - createdDate
      - title
      - consumerId
      - consumerSsn
      - type
      - status
      - constraints
      allOf:
      - $ref: '#/components/schemas/BaseReportAckWithPortfolioId'
      - type: object
        properties:
          constraints:
            $ref: '#/components/schemas/VOAReportConstraintsOut'
    ConsumerDetails:
      description: Details about the consumer. Populated if the report requires a consumer record to be generated.
      type: object
      properties:
        id:
          $ref: '#/components/schemas/ConsumerId'
        firstName:
          $ref: '#/components/schemas/FirstName'
        middleName:
          $ref: '#/components/schemas/MiddleName'
        lastName:
          $ref: '#/components/schemas/LastName'
        address:
          $ref: '#/components/schemas/AddressLine1'
        city:
          $ref: '#/components/schemas/City'
        state:
          $ref: '#/components/schemas/State'
        zip:
          $ref: '#/components/schemas/ZipCode'
        phone:
          $ref: '#/components/schemas/PhoneNumber'
        ssn:
          $ref: '#/components/schemas/SocialSecurityNumberLastDigits'
        email:
          $ref: '#/components/schemas/EmailAddress'
    VOAReportConstraints:
      type: object
      properties:
        accountIds:
          $ref: '#/components/schemas/ReportAccountIdsString'
        reportCustomFields:
          $ref: '#/components/schemas/ReportCustomFields'
        showNsf:
          $ref: '#/components/schemas/ShowNsf'
        fromDate:
          $ref: '#/components/schemas/UnixDate'
    ExtractEarnings:
      type: boolean
      description: Field to indicate whether to extract the earnings on all pay statements
      default: true
      example: true
    ReportTitle:
      type: string
      description: Title of the report
      example: Finicity Asset Ready Report (CRA)
    State:
      type: string
      description: State
      example: UT
    FirstName:
      type: string
      description: The first name of the account holder
      example: John
    ReportId:
      type: string
      description: A report ID
      example: u4hstnnak45g
    StatementData:
      required:
      - accountId
      type: object
      properties:
        accountId:
          $ref: '#/components/schemas/NumericAccountId'
        statementIndex:
          type: integer
          description: Index of the statement to include in the report. Request statements from 1-24. By default, 1 is the most recent statement. Increase the index value to count back (by month) and retrieve its most recent statement.
          format: int32
          example: 1
          default: 1
          maximum: 24
    ReportAccountIdsString:
      type: string
      description: A whitespace-separated list of account IDs to be included in the report (all accounts will be included if not set)
      example: 5011648377 5011648378 5011648379
    PrequalificationReportAck:
      description: A Prequalification report being generated
      required:
      - id
      - portfolioId
      - customerType
      - customerId
      - requestId
      - requesterName
      - createdDate
      - title
      - consumerId
      - consumerSsn
      - type
      - status
      - constraints
      allOf:
      - $ref: '#/components/schemas/BaseReportAckWithPortfolioId'
      - type: object
        properties:
          constraints:
            $ref: '#/components/schemas/PrequalificationReportConstraintsOut'
    ReportCreatedDate:
      type: integer
      description: 'A date in Unix epoch time (in seconds). See: [Handling Epoch Dates and Times](https://developer.mastercard.com/open-finance-us/documentation/errors/best-practices/). Note: If the report is retrieved on a day other than the day it was generated, on the header of the PDF version of the report there will be a "Retrieved Date" populated.'
      format: int64
      example: 1607450357
    BaseReportAck:
      description: Properties shared by all generated reports
      type: object
      properties:
        id:
          $ref: '#/components/schemas/ReportId'
        customerType:
          $ref: '#/components/schemas/CustomerType'
        customerId:
          $ref: '#/components/schemas/NumericCustomerId'
        requestId:
          $ref: '#/components/schemas/ReportRequestId'
        requesterName:
          $ref: '#/components/schemas/PartnerName'
        endUser:
          $ref: '#/components/schemas/ConsumerEndUser'
        createdDate:
          $ref: '#/components/schemas/ReportCreatedDate'
        title:
          $ref: '#/components/schemas/ReportTitle'
        consumerId:
          $ref: '#/components/schemas/ConsumerId'
        consumerSsn:
          $ref: '#/components/schemas/SocialSecurityNumberLastDigits'
        consumerDetails:
          $ref: '#/components/schemas/ConsumerDetails'
        disputeStatement:
          $ref: '#/components/schemas/DisputeStatement'
        type:
          $ref: '#/components/schemas/ReportType'
        status:
          $ref: '#/components/schemas/ReportStatus'
        constraints:
          anyOf:
          - $ref: '#/components/schemas/AnalyticsReportConstraintsOut'
          - $ref: '#/components/schemas/ForesightAnalyticsReportConstraints'
          - $ref: '#/components/schemas/CashFlowReportConstraintsOut'
          - $ref: '#/components/schemas/VOIEWithTXVerifyReportConstraintsOut'
          - $ref: '#/components/schemas/VOIEReportConstraints'
          - $ref: '#/components/schemas/StatementReportConstraints'
          - $ref: '#/components/schemas/TransactionsReportConstraintsOut'
          - $ref: '#/components/schemas/VOAReportConstraintsOut'
          - $ref: '#/components/schemas/VOAWithIncomeReportConstraintsOut'
          - $ref: '#/components/schemas/PrequalificationReportConstraintsOut'
          - $ref: '#/components/schemas/VOIReportConstraintsOut'
          - $ref: '#/components/schemas/PayrollReportConstraintsOut'
          - $ref: '#/components/schemas/VOETransactionsReportConstraintsOut'
          - $ref: '#/components/schemas/PayStatementReportConstraints'
        errors:
          description: In case errors occurred during the report generation
          type: array
          items:
            $ref: '#/components/schemas/ErrorMessage'
    UnixDate:
      type: integer
      description: 'A date in Unix epoch time (in seconds). See: [Handling Epoch Dates and Times](https://developer.mastercard.com/open-finance-us/documentation/errors/best-practices/).'
      format: int64
      example: 1607450357
    CustomerId:
      type: string
      description: A customer ID. See Add Customer API for how to create a customer ID.
      example: '1005061234'
    City:
      type: string
      description: City
      example: Murray
    PayrollAccountId:
      type: string
      description: "The payrollAccountIds for the Credentialed Payroll accounts the consumer\n        has connected.  Will be used to constrain the report to only\ninclude the\n        specified accounts.  Required if the consumer has connected\ntheir\n        accounts previously and report generation was intentionally\ndelayed for\n        later."
      example: 018b8f10-fdf8-0ef7-ded5-34a17c34d86f
  responses:
    BadRequestErrorResponse:
      description: The request was rejected
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorMessage'
          examples:
            PermissiblePurposeCodeExample:
              $ref: '#/components/examples/PermissiblePurposeCodeExample'
            InvalidForesightReportRequestExample:
              $ref: '#/components/examples/InvalidForesightReportRequestExample'
            BothCraAndFtcPurposeTrueExample:
              $ref: '#/components/examples/BothCraAndFtcPurposeTrueExample'
            MissingFieldExample:
              $ref: '#/components/examples/MissingFieldExample'
            InvalidFieldExample:
              $ref: '#/components/examples/InvalidFieldExample'
            InvalidExperienceFieldExample:
              $ref: '#/components/examples/InvalidExperienceFieldExample'
            GenericBadRequestExample:
              $ref: '#/components/examples/GenericBadRequestExample'
            AccountTypeNotSupportedExample:
              $ref: '#/components/examples/AccountTypeNotSupportedExample'
            ResellerPartnerNotAuthorizedExample:
              $ref: '#/components/examples/ResellerPartnerNotAuthorizedExample'
            ResellerInvalidDateRangeExample:
              $ref: '#/components/examples/ResellerInvalidDateRangeExample'
            ResellerInvalidDateRangeLessThanZeroExample:
              $ref: '#/components/examples/ResellerInvalidDateRangeLessThanZeroExample'
            ResellerInvalidDateRangeGreaterThanEndDateExample:
              $ref: '#/components/examples/ResellerInvalidDateRangeGreaterThanEndDateExample'
            ResellerInvalidDateRangeGreaterThan31DaysExample:
              $ref: '#/components/examples/ResellerInvalidDateRangeGreaterThan31DaysExample'
            CustomerReportLimitExceedExample:
              $ref: '#/components/examples/CustomerReportLimitExceedExample'
            InvalidConsumerSSNExample:
              $ref: '#/components/examples/InvalidConsumerSSNExample'
            InvalidConsumerPhoneExample:
              $ref: '#/components/examples/InvalidConsumerPhoneExample'
            InvalidConsumerEmailExample:
              $ref: '#/components/examples/InvalidConsumerEmailExample'
            InvalidValue:
              $ref: '#/components/examples/InvalidValueExample'
    GeneratePrequalificationNonCRAReportResponse:
      description: 'The report is being generated. When finished, a notification will be sent to the specified callback URL (Report Listener Service) and the report can be fetched using Get Report APIs. If you don''t use a callback URL, Get Report returns a minimal report with the following status: ''inProgress''. Repeat the call every 20 seconds until Get Report returns a different status.'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/PrequalificationReportAck'
          examples:
            GeneratePrequalificationNonCRAReportResponseExample:
              $ref: '#/components/examples/GeneratePrequalificationNonCRAReportResponseExample'
    GeneratePrequalificationCRAReportResponse:
      description: 'The report is being generated. When finished, a notification will be sent to the specified callback URL (Report Listener Service) and the report can be fetched using Get Report APIs. If you don''t use a callback URL, Get Report returns a minimal report with the following status: ''inProgress''. Repeat the call every 20 seconds until Get Report returns a different status.'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/PrequalificationReportAck'
          examples:
            GeneratePrequalificationCRAReportResponseExample:
              $ref: '#/components/examples/GeneratePrequalificationCRAReportResponseExample'
    UnauthorizedErrorResponse:
      description: The request lacks valid authentication credentials. Check "Finicity-App-Key" or "Finicity-App-Token".
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorMessage'
          examples:
            ExpiredTokenExample:
              $ref: '#/components/examples/ExpiredTokenExample'
            MissingFinicityAppKeyExample:
              $ref: '#/components/examples/MissingFinicityAppKeyExample'
            MissingFinicityAppTokenExample:
              $ref: '#/components/examples/MissingFinicityAppTokenExample'
            InvalidFinicityAppTokenExample:
              $ref: '#/components/examples/InvalidFinicityAppTokenExample'
            ExpiredFinicityAppTokenExample:
              $ref: '#/components/examples/ExpiredFinicityAppTokenExample'
            BadCredentialsExample:
              $ref: '#/components/examples/BadCredentialsExample'
        text/plain:
          schema:
            type: string
            example: Invalid (Finicity-App-Key)
    GenerateVOAReportResponse:
      description: 'The report is being generated. When finished, a notification will be sent to the specified callback URL (Report Listener Service) and the report can be fetched using Get Report APIs. If you don''t use a callback URL, Get Report returns a minimal report with the following status: ''inProgress''. Repeat the call every 20 seconds until Get Report returns a different status.'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/VOAReportAck'
          examples:
            GenerateVOAReportResponseExample:
              $ref: '#/components/examples/GenerateVOAReportResponseExample'
    ResourceNotFoundErrorResponse:
      description: The resource doesn't exist
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorMessage'
          examples:
            ConsumerNotFoundExample:
              $ref: '#/components/examples/ConsumerNotFoundExample'
            NoAccountForInstitutionLoginIdExample:
              $ref: '#/components/examples/NoAccountForInstitutionLoginIdExample'
            CustomerNotFoundExample:
              $ref: '#/components/examples/CustomerNotFoundExample'
            NoConsumerForCustomerExample:
              $ref: '#/components/examples/NoConsumerForCustomerExample'
            ResourceNotFoundExample:
              $ref: '#/components/examples/ResourceNotFoundExample'
            NoRegisteredApplicationExample:
              $ref: '#/components/examples/NoRegisteredApplicationExample'
            ResellerNoDataForPartnerExample:
              $ref: '#/components/examples/ResellerNoDataForPartnerExample'
            ResellerNoReportForPartnerExample:
              $ref: '#/components/examples/ResellerNoReportForPartnerExample'
    SecurityFreezeErrorResponse:
      description: The active security freeze for this consumer exists.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/SecurityFreezeErrorMessage'
          examples:
            SecurityFreezeErrorExample:
              $ref: '#/components/examples/SecurityFreezeErrorExample'
    GenerateVOAWithIncomeReportResponse:
      description: 'The report is being generated. When finished, a notification will be sent to the specified callback URL (Report Listener Service) and the report can be fetched using Get Report APIs. If you don''t use a callback URL, Get Report returns a minimal report with the following status: ''inProgress''. Repeat the call every 20 seconds until Get Report returns a different status.'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/VOAWithIncomeReportAck'
          examples:
            GenerateVOAWithIncomeReportResponseExample:
              $ref: '#/components/examples/GenerateVOAWithIncomeReportResponseExample'
  parameters:
    ReportCallbackUrlParameter:
      name: callbackUrl
      in: query
      required: false
      description: A Report Listener URL to receive notifications. The webhook must respond to the Finicity API with a 2xx HTTP status code.
      schema:
        type: string
        example: https://finicity-test/webhook
    CustomerIdParameter:
      description: A customer ID
      name: customerId
      in: path
      required: true
      schema:
        $ref: '#/components/schemas/CustomerId'
      example: '1005061234'
  requestBodies:
    GenerateVOAReportRequest:
      required: true
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/VOAReportConstraints'
          examples:
            GenerateVOAReportRequestExample:
              $ref: '#/components/examples/GenerateVOAReportRequestExample'
    GenerateVOAWithIncomeReportRequest:
      required: true
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/VOAWithIncomeReportConstraints'
          examples:
            GenerateVOAWithIncomeReportRequestExample:
              $ref: '#/components/examples/GenerateVOAWithIncomeReportRequestExample'
    GeneratePrequalificationReportRequest:
      required: true
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/PrequalificationReportConstraints'
          examples:
            GeneratePrequalificationReportRequestExample:
              $ref: '#/components/examples/GeneratePrequalificationReportRequestExample'
  securitySchemes:
    FinicityAppKey:
      name: Finicity-App-Key
      type: apiKey
      in: header
      description: The "Finicity-App-Key" from the developer dashboard
    FinicityAppToken:
      name: Finicity-App-Token
      type: apiKey
      in: header
      description: A token returned by the `/authentication` API