Plaid Release Notes

• Due to a change in Chase's permissioning UI, the USER_ACCOUNT_REVOKED webhook will no longer be fired for Chase Items, as Chase no longer allows account-level permissions revocation. Instead, the USER_PERMISSION_REVOKED webhook will be fired. PNC Items will continue to support the USER_ACCOUNT_REVOKED webhook.

• For Plaid Check Consumer Report: Updated designs of certain panes in the Link flow. These are small visual updates that have resulted in improvements to both Link conversion and Plaid Passport enrollment.

• For Transfer: Deprecated the funds_settlement_date field. All customers using Plaid Ledgers should use the expected_funds_available_date instead.

For Link

• Released React Native SDK v12.5.1, containing bug fixes for Android build errors.
• Released React Native SDK v12.5.2, resolving iOS startup crash on React Native version 0.81+ introduced in v12.5.1. Also adds metadataJson key to event data to allow for all keys to be camelCase and updates Android SDK to 5.3.3.
• Released React Native SDK v12.5.3, upgrading Android SDK to v5.3.4.
• Released Android SDK v5.3.3, containing the following changes: upgrade dependency com.google.code.gson:gson to 2.9.1, upgrade dependency com.squareup.okhttp3:logging-interceptor to 4.9.2.
• Released Android SDK v5.3.4, fixing a retrofit reinitialization bug.

For Auth

• TAN expirations at PNC have been postponed until January 2026. While PNC Items will still expire after one year if consent is not renewed, the TAN will continue to be valid until at least January 2026.

For Plaid Check Consumer Report

• For Cashflow Monitoring, added the ability to subscribe to updates on a per-Item level.
• For Cashflow Monitoring, removed the fields baseline_count and baseline_amount in response to customer feedback. These fields will be omitted or returned with null values going forward.

For Identity Verification

• Improvements to Trust Index Scores (US verifications only):
  • Added the Trust Index Thresholds feature, which allows customers to set a minimum Trust Index score in addition to attribute-based Risk Rules.
  • Improved and simplified the UI for displaying Trust Index Scores. Identity Verification will now display the primary drivers for the score as bullet points.
  • Improved the algorithm for calculating Trust Index Scores, resulting in substantially increased accuracy.

For the Dashboard

• The "Team Management" permission is no longer required to access the Link Analytics page. Any verified user can now access this page.
• The "Link Customization Write Access" permission is now required to access Link Customization / Template editor pages instead of the "Team Management" permission.

For Link

• Released Plaid Android SDK 5.3.2, including an upgrade to version 3.25.5 of the com.google.protobuf:protobuf-kotlin-lite library.

For Auth

• Improved the Link UI on the "Are you sure?" screen displayed when an end user attempts to close Link without connecting an account. The new screen more prominently displays the option to link an account via non-credential based flows (if enabled), resulting in increased Link conversion.

For Plaid Check Consumer Report

• Added support for Consumer Report in the Embedded Institution Search Link UI. This Link configuration is recommended when using Consumer Report alongside Auth as part of a single Link flow that supports bank account linking for both underwriting and repayment.

For Layer

• Added Extended Autofill, which expands the number of users who can have their personal information prefilled with Layer, even if their phone number is not Layer eligible. To learn more and add Extended Autofill to your existing integration, see Extended Autofill.

For Transfer

• Added monthly Transfer reconciliation report emails. This feature is currently opt-in; to request access, contact your Plaid Account Manager.

For the Plaid Dashboard

• Added audit logs of Dashboard actions. Audit logs are available to admins via the Dashboard under Settings -> Audit Logs. Currently, core Dashboard actions are logged; logging for actions in product-specific Dashboards is not yet available. Audit logs are available only to customers on Premium Platform Support packages. To learn more about upgrading to a Premium Platform Support package, contact your Account Manager.

For all products

• For /item/remove, added optional reason_code and reason_note fields. Using these fields when removing an Item can help Plaid identify fraud and bad actors in the Plaid Network, improving anti-fraud data for all Plaid customers.

For Plaid Link

• Released Plaid Android SDK 5.3.1, fixing a bug in which screens did not properly resize for the keyboard on Android 15+.

For Plaid Check Consumer Report

• Added the ability to generate Verification of Assets (VoA) and Employment Refresh reports suitable for providing to GSEs. To generate these reports, use the base_report.gse_options field when calling /cra/check_report/create or /link/token/create.
• Added the ability to create and manage OAuth tokens to securely share consumer report data with Plaid partners Experian, Fannie Mae, and Freddie Mac. For more details, see Consumer Report OAuth data sharing.

For Identity Verification

• In the Document Verification analysis object, added the aamva_verification object to report results from the American Association of Motor Vehicles Administrators (AAMVA) Drivers License Data Verification service. This object is currently in beta. To receive AAMVA data, you must enable the corresponding feature in your Identity Verification template under the "DMV/Secretary of State Validation" header in the Workflow tab of the Template Editor. This object will only be populated for US drivers licenses in participating states.

For Investments

• Removed the sedol field from responses, as this field was only available for stocks that trade on London Stock Exchange and to customers that had the appropriate licenses. The sedol field will now be null for all securities.
• Added subtype identifiers to the security object to specify the type of a security in more detail. New subtype values are: asset backed security, bill, bond, bond with warrants, cash, cash management bill, common stock, convertible bond, convertible equity, cryptocurrency, depositary receipt, depositary receipt on debt, etf, float rating note, fund of funds, hedge fund, limited partnership unit, medium term note, money market debt, mortgage backed security, municipal bond, mutual fund, note, option, other, preferred convertible, preferred equity, private equity fund, real estate investment trust, structured equity product, treasury inflation protected securities, unit, warrant.

For Transfer

• In the /transfer/capabilities/get response rfp object, added max_amount and iso_currency_code fields.
• Added /transfer/ledger/event/list endpoint.

For Plaid Link

• Released a visual refresh of the Link UI to match the Plaid brand refresh. This update does not change the functionality of Link.
• Released Plaid iOS SDK 6.4.0, adding issueDescription and issueDetectedAt to EventMetadata.
• Released Plaid Android SDK 5.3.0, adding issueDescription and issueDetectedAt to EventMetadata, the event LAYER_AUTOFILL_NOT_AVAILABLE, and supporting the dateOfBirth parameter for Layer.
• Released Plaid React Native SDK 12.4.0. This release updates the Android SDK to 5.3.0 and the iOS SDK to 6.4.0. It also includes updates to the example application to make it more clear how to use Layer and Sync Financekit.
• Released Plaid React Link SDK 4.1.1, patching a build issue introduced in version 4.1.0.

For Plaid Check Consumer Report

• Improved income forecasting calculations in the Income Insights report:
  • Tax refunds and inactive income streams will no longer contribute to forecasted income.
  • Income forecasts will now use all available income history (up to 5 years) rather than a 90 day maximum.
• During the week of August 18, 2025, Data Transparency Messaging (DTM) will be disabled for Consumer Report until further notice. No action is needed on the part of impacted customers. For Link sessions that include both Plaid Check products and Plaid Inc. products in a single Link flow, DTM will still be used for Plaid Inc. products if it is otherwise enabled for the Link flow.

For Signal

• Beginning September 1, 2025, when /signal/decision/report or /signal/return/report is called with an unknown client_transaction_id (one that was never submitted to /signal/evaluate), these endpoints will return an error instead of a success response. This change better reflects that these endpoints should only be used to report returns or decisions on previously-evaluated transactions.

For Transfer

• Added more granular Transfer-specific permissions controls to the Dashboard. For more details, see Transfer Dashboard permissions. To manage your team's Transfer permissions, use the Dashboard -> Team Settings -> Members page.

For Plaid Link

• Released Plaid Android SDK 5.2, with new event names and a new event metadata field, improved behavior for destroy(), a smaller SDK size, and removal of unused dependencies. For more details, see the release notes.
• Released Plaid React Native SDK 12.3.0, updating the React Native SDK to use Plaid Android SDK 5.2 and Plaid iOS SDK 6.3.
• Began rolling out a progress bar in the Link UI to all customers. During testing, Link sessions with the progress bar displayed showed a statistically significant increase in Link conversion.

For the Plaid Dashboard

• Improved the user experience for OAuth registration and onboarding:
  • OAuth registration status is now displayed more prominently within the Dashboard
  • Added estimated timelines for institution enablement
  • Accelerated the OAuth registration process, resulting in shorter waits for OAuth enablement
  • Added more complete list of institutions that use OAuth and their enablement statuses
  • Added detailed and actionable error messages if an error occurred during registration
  • Customers on Growth or Custom plans will automatically be enabled for access to Charles Schwab; customers on Pay-as-you-go plans will still need to explicitly request Schwab access
• Added the ability to export the list of team members to CSV.
• Added the ability for customers with Premium Platform Support Packages to self-serve enable SCIM in the Dashboard without contacting Plaid Support or their Account Manager.
• Removed Data Quality related Known Issues from the Dashboard, as these issues were often described in vague terms, causing customers to think they were encountering a known issue when they were not. Removing these from the Known Issues section of the Dashboard helps Plaid more accurately identify data quality issues and reduces customer confusion caused by following the wrong Known Issue. Connectivity-related Known Issues are still reported in the Dashboard.
• When users attempt a Dashboard action they don't have permissions for, they will now be shown a list of admins whom they can contact to request permission.

For Plaid Link

• Released React Native Plaid Link SDK 12.2.1, with bug fix for the error message "PLKEnvironmentDevelopment not defined".
• Released Plaid iOS SDK 6.3, with new event names and a new event metadata field, enhancements for the SwiftUI API, and improved FinanceKit testing capabilities. For more details, see the release notes.

For Plaid Check Consumer Reports

• Added support for Verification of Assets and Employment Refresh for mortgage lenders via /cra/check_report/verification/get. This feature is in Early Availability; contact Sales or your Account Manager to learn more.
• Improved the accuracy of insufficient funds (NSF) transaction calculations, leading to fewer transactions being reported under the nsf_overdraft_transactions_count fields.
• For Income Insights, improved the accuracy of income categorization, forecasted income, and historical income.
• Added institution details (institution_name and institution_id) to /cra/monitoring_insights/get response.
• Added require_identity boolean to options object in /cra/check_report/create and /link/token/create requests. If set to true and user identity data is not available, CRA report creation will fail, and you will not be charged.
• Updated and made consistent maximum values days_required and days_requested when generating a CRA report across multiple endpoints. The maximum value for days_requested is now 731 and the maximum value for days_required is 184.
• For Partner Insights, added client_report_id to partner insights response.

For Investments

• Improvements and bug fixes to holdings valuations, such as better reflecting the value of unvested shares.

For Payment Initiation

• Added error field to responses of /payment_initiation/payment/get and /payment_initiation/consent/payment/execute containing error details when the payment fails.
• Added support for cursors to /payment_initiation/recipient/list.
• Added error field to WALLET_TRANSACTION_STATUS_UPDATE webhook and to responses of /wallet/transaction/get and /wallet/transaction/list.

For Transactions

• Added /sandbox/transactions/create endpoint, which can be used to add custom transactions to the user_transactions_dynamic Sandbox test user.
• Added the user_ewa_user, user_yuppie, and user_small_business Sandbox test users for persona-based testing of realistic Transactions data.
• Added account_numbers field to counterparty object.

For Transfer

• Added wire_return_fee to transfer and transfer event objects.