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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 — is this consumer on this bank’s bad actor list? — and returns a listing indicator plus a small set of context fields. It never issues a reusable certificate; it is a point-in-time check. Because it is scoped to one sponsor bank, a consumer flagged in Bank A’s network is invisible to Bank B. The events behind the list are contributed by network participants through governed furnishing flows.

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At a glance

A clean result is "is_listed": false (always 200 OK, never 204). When the consumer is listed, is_listed is true and the context fields are populated with a placement date and a reason code.

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Matching & fields

Subjects are matched on the consumer identity behind your consent record. SSN and date of birth are mandatory match inputs; name, phone, and email refine the match. Reason codes are drawn from a documented set — account_abuse, fraud, and policy_violation — and each listing carries the bank’s definition of the violated policy in bad_actor_reason_definition.

Full field reference & matching rules

The screening lists deep dive — match inputs, per-list event fields, reason codes, and compliance posture.

Products

The full product catalog.

Cross-Bank Financial Crimes Watch List

The cross-bank counterpart, visible across the consortium.