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The Confirmed Fraud Attribute List is a consortium for banks and fintechs to furnish discrete personal identifying attributes tied to confirmed fraud events. Rather than re-investigating a subject from scratch, a query checks whether the consumer is associated with a confirmed fraud event and surfaces the specific identifying attributes that were implicated. It never issues a reusable certificate; it is a point-in-time check. The distinction from the other lists is its focus on attributes: each listing ties a confirmed fraud event to discrete identifying data (the fraud_attribute_label and its content), so consumers of the list learn not just that fraud occurred but which identity attributes were involved. The events behind it 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 tied to a confirmed fraud event, the attributes from the product’s FraudVerificationEvent schema are populated:

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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. The fraud attributes are defined by the product’s FraudVerificationEvent schema. Field is the display name and API name is the field_name used in policies. Loss-event categories include financial-theft, account-takeover, and synthetic-identity; malicious-intent methods include phishing and card-not-present. A network’s querying policy can restrict which categories and methods a query considers.
Confirmed-fraud signals are screening inputs, not adjudications. Whether a listing can support adverse action depends on your program’s compliance framework. Route hits to your compliance review process.

Products

The full product catalog.

Bank-Specific Bad Actor List

Sponsor-bank-scoped repeat-offender screening.