Finicity Lend—Reports
Each of the reports listed provides all the API information you need to generate or get reports.
Get Any Report Generated by Consumer
Report status:
- inProgress – wait 20 seconds and retry
- failure – failed to generate
- success – done generating
Permissible code:
Report record:
Get report:
Description: Get any report that has generated for an individual consumer.
Get All Reports Generated by Consumer
Report status:
- inProgress – wait 20 seconds and retry
- failure – failed to generate
- success – done generating
Permissible code:
Report record:
Get report:
Description: Get all reports that have generated for an individual consumer.
Get Any Report Generated by Customer
Report status:
- inProgress – wait 20 seconds and retry
- failure – failed to generate
- success – done generating
Permissible code:
Report record:
Get report:
Description: Get any report that has generated for an individual customer.
Get All Reports Generated by Customer
Report status:
- inProgress – wait 20 seconds and retry
- failure – failed to generate
- success – done generating
Permissible code:
Report response:
Get report:
Description: Get a list of all the reports generated for an individual customer.
Verification of Assets (VOA)
Generate report:
Permissible code:
Report record:
Get report:
Description: The VOA report provides bank validated insight into a borrower’s current financial assets.
Report details:
- The report shows 2-6 months of credit and debit history.
- The amount of transactions is determined by passing in the fromDate parameter in the report’s API.
Verification of Assets with Income—Transactions (VOAI—Transactions)
MVS module: Financial
Generate report: Generate VOA With Income Report
Permissible code:
Report record:
Get report:
Description: The VOAI—Transaction report provides bank-validated insight into a borrower’s current asset status and transactions income streams.
Report details:
- 1 – 6 months of all debit and credit transactions for asset verification. By default, the history is set to 61 days. However, you can change the transaction history by setting the fromDate parameter in the report’s APIs.
- Up to 24 months of income credit transactions (ordered by account and confidence level) regardless of the fromDate for income verification.
Note: Up to 24 months of all unfiltered transactions are sent to the GSE’s regardless of the fromDate so that they can perform income assessment.
Verification of Income and Employment—Payroll (VOIE—Payroll)
MVS module: Payroll
Generate report:
Note: The initial payroll report is generated by Connect after the consumer completes the payroll permissioning experience. Refresh the report as needed without re-engaging the consumer.
See The Payroll App
Permissible code:
Report record:
Get report:
Description: The VOIE—Payroll report provides insight into a borrower’s current income and employment through data directly from the employment payroll source.
Report Details:
- Includes income and the employment summary information including year-to-date (YTD) totals.
- Payroll details for each pay period include:
- Earnings
- Deductions
- Direct deposits
- Includes all available employments within the current year-to-date, and the last two years.
Note: Refreshing a customer’s payroll report (VOIE or VOE) is free one time within 60-days, starting with the createDate of the original report. Any subsequent refreshes done thereafter will incur additional charges.
Verification of Employment—Payroll (VOE—Payroll)
MVS module: Payroll
Generate report:
Note: Connect generates the initial payroll report after the consumer completes the payroll permissioning experience. Refresh the reports as needed without re-engaging the consumer.
To generate a VOE – Payroll report, pass the initial payroll reportId that was generated after the customer completed the permissioning experience.
See The Payroll App
Permissible code:
Report record:
Get report:
Description: Used as a complementary report to the VOIE-Payroll report. This report is used to fulfill the pre-close VOE requirements. It retrieves the customer’s employment details and employment status through the payroll source without any income information.
- Includes all available employments within the current year-to-date, and the last two years.
Note: Refreshing a customer’s payroll report (VOIE or VOE) is free one time within 60-days, starting with the createDate of the original report. Any subsequent refreshes done thereafter will incur additional charges.
Verification of Income and Employment - Paystub (with TXVerify)
MVS modules: Financial, Paystub
Generate report:
Note: For direct integration clients that collect the paystub themselves without going through Connect, use the Store Customer Pay Statement API. Store the paystub as an assetId to use in the generated report request.
File Requirements:
-
- Use the most recent paystub for each employer (limit 3 files)
- One paystub file can only contain the details for one paystub
- Acceptable file types; .pdf, .png. and jpeg
- The file size limit is 25 MB
- No bank statements or non-paystub images
- No password-protected PDF files
Permissible code:
Report record:
Get report:
Refresh report:
Refresh a report using the assetId from the first report. If the paystub pay date is within the last 30 days, you don’t need to collect another paystub from the borrower.
- New accounts added:
- The customer didn’t add their pay direct deposit accounts for the first report.
- Extract paystub information:
- The customer is required to go through another Connect session to upload a new paystub for a new report.
- Store the paystub as an assetId before generating a new report.
- Re-verification of income and employment:
- Done within 10 days of closing a loan.
- To verify employment, use the latest direct deposit amount.
- Re-verification of employment:
- To verify that the customer’s employment income streams are still active without providing new income data, refresh the VOE – Transactions report.
Description: The VOIE Paystub with TXVerify report digitally extracts pay statement data and then cross-verifies the data with the income transactions directly from the consumer’s financial institution (FI).
- Up to 24 months of income credit transactions per account, grouped by income streams.
- Paystubs (limit 3) that are uploaded and converted to digital format and included as a source of income on the report
Note:
- If paystubs aren’t uploaded successfully, or the customer forgets to finish the module, then the report won’t generate.
- If the paystubs provided don’t meet the file requirements, the report still generates but has a failure status, because the paystub wasn’t able to properly digitize.
Verification of Employment—Transactions (VOE—Transactions)
MVS module: Financial
Generate report:
- Generate VOE – Transactions Report
Permissible code:
Report record:
Get report:
Description: The VOE—Transactions report provides bank-validated insight into a borrower’s current transaction income streams.
Report details:
- 180 days of credit transaction information sorted into income streams.
- The report displays transaction descriptions without any dollar amounts so that income re-verification isn’t necessary.
- Used to fulfill pre-close VOE requirements.
Verification of Income (VOI)
Generate report:
Permissible code:
Report record:
Get report:
Description: The customer sign into their banks and permissions the accounts they want used for their financial verification. Analytics identify income streams, both active and inactive, and rank income streams with a confidence score.
Up to 24 months of validated banking data.
Prequalification CRA Report
Generate report:
Permissible code:
Report record:
Get report:
Description: Used to capture a verified snapshot of a borrower’s assets.
Prequalification Non-CRA Report
Generate report:
Permissible code:
Report record:
Get report:
Description: Used to capture a verified snapshot of a borrower’s assets.
Transaction Credit Reporting Agency
Generate report:
Permissible code:
Report record:
Get report:
Description: The Transaction Credit Reporting Agency (TACRA) report provides details about transactions, without the account owner’s information. You can also specify report constraints, such as accountIds to include in the report, the toDate, and includePending parameters.
Report Details:
- The report shows up to 24 months of credit and debit history.
- The amount of transactions is determined by passing in the fromDate parameter in the report’s API.