Plaid

Category: fintech

5 changes tracked

Monitored sources:

changelog · every 6h

SDK packages:

plaidplaid-pythonplaidgithub.com/plaid/plaid-gocom.plaid:plaid-java

Last polled: 10/9/2026, 12:00:02 AM

Change History

breakinghigh88% confidence

Multiple breaking and deprecation changes across Plaid APIs, including: account subtypes being subdivided (home equity, commercial) effective October 11, 2026; Signal consent now required before /signal/evaluate can be called; Plaid Check products must be explicitly requested in /create calls or a PRODUCT_NOT_REQUESTED error will result; Android SDK v6.0.0 removes legacy APIs; React Native SDK v13.0.0 removes legacy global APIs.

Migration: 1) Add new 'home equity loan' and 'commercial line of credit' subtypes to Link filters by Oct 11, 2026. 2) Integrate Signal consent via update mode with 'signal' in additional_consented_products. 3) Ensure all CRA products are listed in /link/token/create or /cra/check_report/create products array. 4) Migrate from Android SDK legacy APIs (Plaid.create, PlaidHandler, FastOpenPlaidLink) to session-based API. 5) Migrate React Native SDK from create/open/PlaidLink to session-based APIs.
endpoint:/signal/evaluateendpoint:/link/token/createendpoint:/cra/check_report/createendpoint:/cra/check_report/income_insights/getendpoint:/cra/check_report/verification/pdf/getendpoint:/identity_verification/createendpoint:/payment_initiation/payment/createendpoint:/payment_initiation/consent/createendpoint:/wallet/transaction/executeendpoint:/cra/servicing/subscription/createendpoint:/user/products/terminateendpoint:/user/items/removeendpoint:/sandbox/user/reset_loginendpoint:/sandbox/user/fire_webhookendpoint:/user/items/associatemodel:Institutionmodel:AccountSubtypemodel:InvestmentTransactionmodel:Holdingmodel:PrismInsightsmodel:CraPartnerInsightsBaseFicoScoremodel:CraPartnerInsightsUltraFicoScoremodel:Transfermodel:TransferAuthorizationparam:roll_dates_forwardparam:hide_gse_detailsparam:languageparam:user_idparam:reports_requestedparam:home_lending_report_options

10/9/2026

breakinghigh88% confidence

Multiple breaking and deprecation changes across Plaid APIs, including removal of account subtypes, upcoming subdivision of home equity/commercial subtypes, removal of investment transaction subtypes, deprecation of Cash Flow Updates (replaced by Servicing), Signal consent now required, and Plaid Check products must be explicitly requested in the products array or calls will fail with PRODUCT_NOT_REQUESTED.

Migration: 1) Remove filtering for 'installment' and 'charge card' subtypes (never returned). 2) Before Oct 11 2026, add 'home equity loan' and 'commercial line of credit' subtypes to Link filters. 3) Stop filtering for removed investment subtypes (fund fee, loan payment, rebalance). 4) Migrate Cash Flow Updates to Servicing before Aug 20, 2027. 5) Ensure Signal consent is obtained via Link update mode using additional_consented_products. 6) Add all desired CRA products to the products array in /link/token/create or /cra/check_report/create before July/September 2026 enforcement. 7) Integrate update mode for Chase Items ahead of February 2027 TAN expirations.
model:account subtype: installment (loan)model:account subtype: charge card (credit)model:account subtype: home equitymodel:account subtype: commercialmodel:investment transaction subtype: fund feemodel:investment transaction subtype: loan paymentmodel:investment transaction subtype: rebalancemodel:investment transaction subtype: stock distributionendpoint:/signal/evaluateendpoint:/link/token/createendpoint:/cra/check_report/createendpoint:/cra/servicing/subscription/createendpoint:/cra/servicing/subscription/getendpoint:/cra/servicing/subscription/listendpoint:/cra/servicing/subscription/updateendpoint:/cra/servicing/subscription/deleteparam:products array (CRA product enforcement)model:CraPartnerInsightsBaseFicoScore.reason_code_1 through reason_code_4 (deprecated)model:PrismInsights.version (deprecated integer field)model:Enrich recurrence object (removed)model:CraCheckReportVerificationPdf.report_requested (deprecated)

9/25/2026

new_featuremedium82% confidence

Plaid's September 3, 2026 changelog introduces numerous changes including CRA Servicing GA (replacing deprecated Cash Flow Updates), new investment transaction subtype removals, Chase consent/TAN expiration warnings, new webhooks, and many new endpoints and fields across Auth, Identity Verification, Income, Investments, Signal, and Virtual Accounts. Several deprecations are also announced, including Cash Flow Updates (migrate by August 20, 2027) and investment transaction subtypes.

Migration: Review deprecations urgently: (1) Cash Flow Updates customers must migrate to CRA Servicing by August 20, 2027 using new /cra/servicing/* endpoints; (2) Removed investment transaction subtypes (fund fee, loan payment, rebalance) — update any logic filtering on these; (3) Deprecated stock distribution subtype replaced by transfer/spin off; (4) Signal now requires explicit end-user consent — integrate update mode with additional_consented_products; (5) Chase OAuth consent expiration will break Items starting Feb 2027 — implement update mode for renewal.
endpoint:/cra/servicing/subscription/createendpoint:/cra/servicing/subscription/getendpoint:/cra/servicing/subscription/listendpoint:/cra/servicing/subscription/updateendpoint:/cra/servicing/subscription/deleteendpoint:/signal/evaluateendpoint:/cra/check_report/verification/pdf/getendpoint:/cra/report/getendpoint:/payment_initiation/payment/createendpoint:/payment_initiation/consent/createendpoint:/wallet/transaction/executemodel:InvestmentTransaction subtype (fund fee, loan payment, rebalance, stock distribution)model:CRA_REPORT_UPDATED webhookmodel:payee_verification_statusmodel:merchant_category_codeparam:client_user_id (cra/report/get response)

9/12/2026

Effective: 9/3/2026

breakinghigh82% confidence

Multiple breaking and deprecation changes across Plaid APIs, including enforcement of Signal consent requirements, mandatory consumer_report_permissible_purpose field, removal of Enrich recurrence object, and deprecation of several SDK APIs and model fields. The Signal consent enforcement (June 16, 2026) is the most impactful, returning ADDITIONAL_CONSENT_REQUIRED errors for non-consented Items.

Migration: 1) Add Signal consent via update mode with signal in additional_consented_products. 2) Include consumer_report_permissible_purpose in /link/token/create for CRA products by March 3, 2026. 3) Request all Plaid Check products in the products array at /create time (enforced July-September 2026). 4) Replace deprecated CraPartnerInsights reason_code_1-4 fields with reason_codes array. 5) Migrate iOS SDK to v6.x or v7.x; migrate React Native SDK from legacy global APIs to session-based API.
endpoint:/signal/evaluateendpoint:/link/token/createendpoint:/cra/check_report/createendpoint:/cra/check_report/verification/pdf/getendpoint:/payment_initiation/payment/createendpoint:/payment_initiation/consent/createendpoint:/wallet/transaction/executeendpoint:/transfer/authorization/createendpoint:/user/products/terminateendpoint:/user/items/removeendpoint:/sandbox/user/reset_loginendpoint:/sandbox/user/fire_webhookendpoint:/user/items/associateendpoint:/auth/verifyparam:consumer_report_permissible_purposeparam:additional_consented_productsparam:hide_gse_detailsparam:user_idmodel:CraPartnerInsightsBaseFicoScore.reason_code_1 through reason_code_4 (deprecated)model:CraPartnerInsightsUltraFicoScore.positive_reason_code_1 through positive_reason_code_4 (deprecated)model:PrismInsights.version (deprecated)model:Enrich recurrence object (removed)model:WalletTransaction.payee_verification_statusmodel:TransferAuthorization.guarantee_detailsmodel:Security.figimodel:Security.cfi_codemodel:Account.apymodel:Transaction.merchant_category_codeheader:ADDITIONAL_CONSENT_REQUIRED error

9/4/2026

new_featureinfo82% confidence

Plaid's changelog covers a wide range of updates from December 2025 through August 2026, including new endpoints, new fields, SDK releases, behavioral changes, and several deprecations across multiple products including Transactions, Income, Identity Verification, Investments, Transfer, Signal, and Link SDKs.

Migration: Review the following high-priority items: (1) Signal consent enforcement (effective June 16, 2026) — add Signal consent via update mode for existing Items or face ADDITIONAL_CONSENT_REQUIRED errors; (2) Plaid Check product must be requested in /link/token/create products array beginning July/September 2026; (3) consumer_report_permissible_purpose required in /link/token/create since March 3, 2026; (4) Bank of America Items must be migrated via update mode by late October 2026; (5) Android SDK v6.0.0 and React Native SDK v13.0.0 are major breaking releases requiring migration.
endpoint:/signal/evaluateendpoint:/link/token/createendpoint:/cra/check_report/createendpoint:/cra/check_report/verification/pdf/getendpoint:/cra/check_report/income_insights/getendpoint:/cra/credit_profile/report/getendpoint:/payment_initiation/payment/createendpoint:/payment_initiation/consent/createendpoint:/wallet/transaction/executeendpoint:/transfer/authorization/createendpoint:/item/products/terminateendpoint:/user/products/terminateendpoint:/user/items/removeendpoint:/user/items/associateendpoint:/sandbox/user/fire_webhookendpoint:/sandbox/user/reset_loginendpoint:/auth/verifyendpoint:/identity_verification/createendpoint:/credit/payroll_income/getparam:consumer_report_permissible_purposeparam:hide_gse_detailsparam:additional_consented_productsparam:user_idmodel:apymodel:merchant_category_codemodel:figimodel:tax_lotsmodel:guarantee_detailsmodel:requested_amountmodel:facial_duplicatesmodel:PrismInsights.model_versionmodel:CraPartnerInsightsBaseFicoScore.reason_codesmodel:TransferAuthorization

8/18/2026

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