Skip to main content
The Bank-Specific Bad Actor List is a sponsor-bank-scoped list of specific individuals who, as prior customers of one or more of the bank’s fintech partners, violated one or more documented bank policies. It answers a narrow question (has an institution in this network placed this consumer on its bad actor list?) and returns a listing indicator plus the details of the most recent listing. It never issues a reusable certificate; it is a point-in-time check. The list is designed to be offered inside a single sponsor bank’s network, so a consumer listed in Bank A’s network is not visible to a query that only names Bank B’s network. Listings are contributed by participating institutions through the furnishing pipeline; there is no /furnish endpoint for this product.

​
At a glance

A clean result is "is_listed": false (always 200 OK, never 204). When any listing for the consumer is visible in the queried networks, is_listed is true and the detail fields describe the most recent listing: who placed it, the reason code (account_abuse, fraud, or policy_violation), the bank’s definition of the violated policy, and the placement date.

​
Identifying the subject

The subject is identified only by your consent (consent_id) or a direct consumer_identity_id. You don’t send SSN, date of birth, or other identifying attributes on the query.

Full field reference

The screening lists deep dive: request fields, response fields, and how the most recent listing is chosen.

Products

The full product catalog.

314(b) Cross-Bank Financial Crimes Watch List

The cross-bank counterpart.