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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.
CategoryFraud & Financial Crime
Use caseBad actor screening
SubjectConsumer
FamilyList (query-only)
ScopeYour sponsor bank’s network only — results never cross network boundaries
OperationPOST /v1/products/bank_specific_bad_actor_list/query
Because it is scoped to one sponsor bank, a consumer flagged in Bank A’s program 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

curl -X POST https://api.solo.one/v1/products/bank_specific_bad_actor_list/query \
  -H "Authorization: Bearer $SOLO_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "consent_id": "a3f0b9c7-…",
    "network_ids": ["9f1c0c2e-…"]
  }'

{
  "query_event_id": "7b2d9c4e-…",
  "consumer_id": "c2a4e8d0-…",
  "furnishing_entity_id": null,
  "is_listed": false,
  "bad_actor_list_placement_date": null,
  "bad_actor_list_reason_code": null
}
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.
FieldAPI nameType
Bad Actor Reason Codebad_actor_reason_codeString
Bad Actor Reason Definitionbad_actor_reason_definitionString
Bad Actor List Placement Datebad_actor_list_placement_dateDate

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.