---
name: Changelog
slug: plaid-changelog
type: scrape
source_url: https://plaid.com/docs/changelog/
organization: Plaid
organization_slug: plaid
total_releases: 171
latest_date: 2026-09-24
last_updated: 2026-09-26
tracking_since: 2023-02-01
canonical: https://releases.sh/plaid/plaid-changelog
organization_url: https://releases.sh/plaid
---

<Release date="September 24, 2026" published="2026-09-24T00:00:00.000Z" url="https://plaid.com/docs/changelog/#updated-dashboard-navigation-institution-connection-availabi">
## Updated Dashboard navigation, institution connection availability, custom Sandbox user roll dates, and Link SDK updates

* Updated the left-hand navigation of the Plaid Dashboard for improved ease of use.
* Added `connection_availability` field to the `Institution` object. It is `NOT_SUPPORTED` when Plaid does not support new connections to the institution (which can only occur on `/institutions/get_by_id` responses), and `SUPPORTED` otherwise.
* Added optional `roll_dates_forward` field to the custom Sandbox user configuration object. When set to `true`, when the Item is created, the most recent transaction activity date will always be the current date and other transaction activity will be rolled forward to match.

**For Link:**
* Released iOS SDK v7.1.2, fixing a bug where `onLoad` was not called for Identity Verification sessions.
* Released iOS SDK v7.2.0, fixing security issues, adding automatic session handoff for Embedded Link and delivering the Embedded Link start-failure `onExit` callback on the main thread. With this release, Safari Web Inspector can no longer attach to production Link sessions on iOS; WebView inspection is now limited to Sandbox.
* Released iOS SDK v6.5.2, adding security improvements.
* Released Android SDK v6.2.2. This fixes a static-initialization crash in `LinkAccountVerificationStatus` and other public sealed classes when an activity is restored after the app's process was killed, fires `OnLoadCallback` for sessions whose WebView is not eager-started, and includes security improvements.
* Released Android SDK v5.5.5. This fixes a static-initialization crash in `LinkAccountVerificationStatus` and other public sealed classes when an activity is restored after the app's process was killed and includes security improvements.
* Released React Native SDK v13.2.0, updating to Android SDK v6.2.1 and iOS SDK v7.1.2.
* Released React Native SDK v13.3.0, updating to Android SDK v6.2.2 and iOS SDK v7.2.0.

**For Plaid Check Consumer Report:**
* For the `CRA_REPORT_UPDATED` webhook, added a `client_user_id` field.

**For Identity Verification:**
* Added optional `language` parameter to `/identity_verification/create` to select the starting language for an Identity Verification session.
* Added the option to use rule groups instead of a Trust Index threshold for risk-based escalation. Ordered rule groups run after Data Source Verification and Documentary Verification. A session that satisfies the conditions of any of these rule groups is escalated to the next verification step.
</Release>

<Release date="September 11, 2026" published="2026-09-11T00:00:00.000Z" url="https://plaid.com/docs/changelog/#enhanced-sandbox-studio-improved-fidelity-and-charles-schwab">
## Enhanced Sandbox Studio, improved Fidelity and Charles Schwab access, account subtype changes, Link SDK updates, and more

**Enhanced Sandbox capabilities**
- Launched Sandbox Studio in the Dashboard for making Sandbox API calls directly via the Dashboard
- Created custom Sandbox profiles based on text descriptions
- Saved institutions to Sandbox profiles for testing Layer and the Returning User Experience

**Improved access to financial institutions**
- Fidelity Investments: New customers on Custom and Growth plans get access within 4 weeks (reduced from 8 weeks); Pay-as-you-go customers can request access via Dashboard OAuth institutions page
- Charles Schwab: New customers get access within 5 business days (reduced from 6 weeks); Pay-as-you-go customers no longer need to explicitly request access

**Account subtype changes**
- Removed unused account subtypes: `installment` (loan) and `charge card` (credit)
- Announced October 11, 2026 changes: `home equity` will correspond to HELOCs only; home equity loans will map to new `home equity loan` subtype; `commercial` will map to commercial loans only; commercial lines of credit will map to new `commercial line of credit` subtype

**Link SDK updates**
- Released iOS SDK v6.5.1, fixing invalid purpose value in privacy manifest
- Released iOS SDK v7.1.1, fixing invalid purpose value in privacy manifest

**Plaid Check Consumer Report**
- On `CHECK_REPORT_FAILED` and `USER_CHECK_REPORT_FAILED` webhooks, empty `repairable_items` and `failed_products` lists now returned as `[]` instead of being omitted
</Release>

<Release date="September 3, 2026" published="2026-09-03T00:00:00.000Z" url="https://plaid.com/docs/changelog/#billing-page-react-native-sdk-updates-chase-consent-expirati">
## Billing page, React Native SDK updates, Chase consent expiration, CRA Servicing GA, Identity Verification phone call option, and more

**Dashboard & Billing**
- Added a Billing page for customers on negotiated rates, providing visibility into invoice and payment history.

**Link**
- Released React Native SDK v13.0.5, adding an explicit Identity Verification session API that creates and returns the native Link session without waiting for the `onLoad` callback. Bundles Android SDK v6.1.0 and iOS SDK v7.1.0.
- Released React Native SDK v13.1.0 with improved migration diagnostics, troubleshooting for removed methods, named sdkVersion export (deprecating raw native-module default export), and guidance for AI coding agents.

**Auth & Transfer**
- Announced upcoming Chase consent and Tokenized Account Number (TAN) expiration. Chase is rolling out new OAuth consent experience with user-selectable durations (6 months, 1 year, or "always"). New Items only; existing Chase Items default to "always". Earliest expirations in February 2027. Integrate update mode to allow users to renew authorization for expired Items.

**Plaid Check Consumer Report**
- Released CRA Servicing to general availability via `/cra/servicing/subscription/create`, `/get`, `/list`, `/update`, and `/delete` endpoints. Replaces Cash Flow Updates (deprecated; migration deadline August 20, 2027).
- Added `CRA_REPORT_UPDATED` webhook fired when subscribed reports are regenerated.
- Improved PDF report visual design with Plaid branding and top summary section (immediate for some, October 1, 2026 for others).
- Announced LendScore results support in PDF reports (effective October 1, 2026).
- Added `client_user_id` to `/cra/report/get` response for improved usability.

**Identity Verification**
- Added phone call option for receiving verification codes (in addition to SMS), automatically enabled in Link flow.
- Added ability to send verification links to end users by email (in addition to SMS).
- Improved Dashboard verification exports: single export can now cover sessions across all templates in organization; can choose whether to include Data Source, Documentary Verification, Selfie Check, Risk Check, and user PII details (PII gated on permissions). Risk Check exports now include custom rule outcomes and failed rule names.

**Income**
- Extended User APIs support to Bank Income, Document Income, and Payroll Income. New integrations use User APIs immediately. Beginning September 1, 2026, existing Income customers receive `USER_INCOME_VERIFICATION`, `USER_INCOME_VERIFICATION_RISK_SIGNALS`, and `USER_INCOME_VERIFICATION_REFRESH_RECONNECT_NEEDED` webhooks alongside existing `INCOME_VERIFICATION_*` webhooks.

**Investments**
- Removed three never-populated investment transaction subtypes: `fund fee`, `loan payment`, and `rebalance`.
- Deprecated `stock distribution` investment transaction subtype (now represented by `transfer` type's `spin off` subtype).

**Signal**
- Added Integration Health view to Signal Overview page showing Sankey chart of `/signal/evaluate` calls through to decisions, returns, and errors, with diagnostic messages for common integration gaps. Refreshed return rate, return code, and institution analytics.

**Virtual Accounts**
- Populated `payee_verification_status` on e-wallet transactions for GBP payouts (previously EUR only).

**Transactions**
- Added support for Merchant Category Codes (MCCs) via new `merchant_category_code` field.
</Release>

<Release date="August 17, 2026" published="2026-08-17T00:00:00.000Z" url="https://plaid.com/docs/changelog/#august-17-2026">
## Improved Identity endpoint behavior and Item consent expiration accuracy

* Improved behavior of Identity endpoints when called on non-depository Capital One accounts where identity data is not available. The failure to fetch identity data in this scenario will no longer cause the Item to enter an error state.
* Improved accuracy of Item consent expiration data at institutions that enforce expiration dates. Some Items may show a revised consent expiration date as a result of these changes. Items will also now reliably enter an error state when they expire.
* Redesigned the UI of the Settings page in the Dashboard.

For Link:
* Released Android SDK v. 6.2.1, including bug fixes for OAuth flows when linking multiple institutions.

For Auth:
* Pushed out the date on which limited-purpose checking accounts for existing institutions will be omitted from Link by default to October 6, 2026.
</Release>

<Release date="August 17, 2026" published="2026-08-17T00:00:00.000Z" url="https://plaid.com/docs/changelog/#improved-identity-endpoint-behavior-consent-expiration-accur">
## Improved Identity endpoint behavior, consent expiration accuracy, and Dashboard Settings redesign

* Improved behavior of Identity endpoints when called on non-depository Capital One accounts where identity data is not available. The failure to fetch identity data in this scenario will no longer cause the Item to enter an error state.
* Improved accuracy of Item consent expiration data at institutions that enforce expiration dates. Some Items may show a revised consent expiration date as a result of these changes. Items will also now reliably enter an error state when they expire, regardless of whether Plaid is attempting to fetch new data from the institution or not.
* Redesigned the UI of the Settings page in the Dashboard to display a full-page view with a link to each setting, rather than the navigation being entirely within the left nav bar.

For Link:
* Released Android SDK v. 6.2.1, including bug fixes for OAuth flows when linking multiple institutions.

For Auth:
* Pushed out the date on which limited-purpose checking accounts for existing institutions will be omitted from Link by default. Originally scheduled for August 7, 2026, extended to October 6, 2026.
</Release>

<Release date="August 17, 2026" published="2026-08-17T00:00:00.000Z" url="https://plaid.com/docs/changelog/#identity-endpoints-improvements-dashboard-settings-redesign-">
## Identity endpoints improvements, Dashboard settings redesign, and Link SDK updates

- Improved behavior of Identity endpoints when called on non-depository Capital One accounts where identity data is not available. The failure to fetch identity data will no longer cause the Item to enter an error state.
- Improved accuracy of Item consent expiration data at institutions that enforce expiration dates. Items will now reliably enter an error state when they expire.
- Redesigned the UI of the Settings page in the Dashboard to display a full-page view with a link to each setting, rather than navigation within the left nav bar.

**For Link:**
- Released Android SDK v6.2.1, including bug fixes for OAuth flows when linking multiple institutions.

**For Auth:**
- Extended the date for limiting limited-purpose checking accounts for existing institutions from August 7, 2026 to October 6, 2026.
</Release>

<Release date="August 12, 2026" published="2026-08-12T00:00:00.000Z" url="https://plaid.com/docs/changelog/#added-apy-data-user-webhooks-and-item-user-association-multi">
## Added APY data, user webhooks, and Item-user association; multiple SDK releases

* Added support for returning Annual Percentage Yield (APY) data on accounts via the new `apy` field.
* Added /sandbox/user/fire_webhook for firing test webhooks associated with a user (primarily Income and Plaid Check Consumer Report webhooks) rather than an Item.
* Added /user/items/associate for associating Items with a user id (Early Availability only).

For Link:
* Released iOS SDK v7.0.5, preventing SwiftUI Link sheet interactive dismissal and deprecating PlaidLinkView and PlaidLinkUIViewControllerRepresentable in favor of PlaidLinkSheet or session.sheet().
* Released iOS SDK v7.1.0, including bug fixes and improved logging and error messaging, especially for headless sessions.
* Released Android SDK v6.2.0, fixing document upload failures, reducing minimum SDK from 26 to 25, narrowing ProGuard rules, and removing unused okhttp3 logging-interceptor dependency.
* Released Android SDK v5.3.3, fixing document upload failures.
* Released React Native SDK v.12.8.5, including several bug fixes, adding iOS support for destroy(), and bundling Android SDK v5.5.3 and iOS SDK v.6.5.0.
* Released React Native SDK v.13.0.4, fixing a bug impacting Multi-Item Link sessions, preserving post-success HANDOFF event delivery.

For Identity Verification:
* Added self-serve Sandbox access.

For Income:
* Added support for the new User APIs. Effective August 17, 2026, new Income customers no longer need to request user token enablement.

For Investments:
* Added `prediction market` account subtype.

For Payment Initiation and Virtual Accounts:
* Added support for `user_id` to payment initiation and wallet endpoints.
* Added `TRANSFER_OUT` transaction type.

For Protect:
* Added pass rate previews to the Dashboard Protect template editor.

For Transactions:
* Added support for Merchant Category Codes (MCCs) via a new `merchant_category_code` field.
</Release>

<Release date="August 12, 2026" published="2026-08-12T00:00:00.000Z" url="https://plaid.com/docs/changelog/#apy-data-sandbox-user-webhooks-user-items-associate-and-link">
## APY data, sandbox user webhooks, user/items/associate, and Link SDK updates

*   Added support for returning Annual Percentage Yield (APY) data on accounts via the new `apy` field.
*   Added [/sandbox/user/fire_webhook](https://plaid.com/docs/api/sandbox/index.html.md#sandboxuserfire_webhook) for firing test webhooks associated with a user (primarily Income and Plaid Check Consumer Report webhooks) rather than an Item.
*   Added [/user/items/associate](https://plaid.com/docs/api/users/index.html.md#useritemsassociate) for associating Items with a user id (Early Availability only).

For Link:
*   Released [iOS SDK v7.0.5](https://github.com/plaid/plaid-link-ios/), preventing SwiftUI Link sheet interactive dismissal so Link cannot be dismissed without triggering `onExit`, and deprecating `PlaidLinkView` and `PlaidLinkUIViewControllerRepresentable` in favor of `PlaidLinkSheet` or `session.sheet()`.
*   Released [iOS SDK v7.1.0](https://github.com/plaid/plaid-link-ios/), including bug fixes and improved logging and error messaging, especially for headless sessions.
*   Released [Android SDK v6.2.0](https://github.com/plaid/plaid-link-android/), fixing a bug in which document uploads during the Link flow would sometimes fail, reducing minimum supported Android SDK version from 26 to 25, narrowing ProGuard rules to improve stack trace readability in minified apps, and removing the unused okhttp3 logging-interceptor dependency.
*   Released [Android SDK v5.3.3](https://github.com/plaid/plaid-link-android/), fixing a bug in which document uploads during the Link flow would sometimes fail.
*   Released [React Native SDK v.12.8.5](https://github.com/plaid/react-native-plaid-link-sdk), including several bug fixes, adding iOS support for `destroy()`, and bundling Android SDK v5.5.3, and iOS SDK v.6.5.0.
*   Released [React Native SDK v.13.0.4](https://github.com/plaid/react-native-plaid-link-sdk), fixing a bug impacting Multi-Item Link sessions, preserving post-success HANDOFF event delivery to React Native onEvent callbacks, and bundling Android SDK v5.5.3, and iOS SDK v.6.5.0.

For Identity Verification:
*   Added self-serve Sandbox access. Enable Identity Verification Sandbox access from the [Dashboard Products page](https://dashboard.plaid.com/settings/team/products) by clicking "Enable Sandbox".

For Income:
*   Added support for the new [User APIs](https://plaid.com/docs/api/users/user-apis/index.html.md). Effective August 17, 2026, new Income customers no longer need to request user token enablement, and existing Income customers can [migrate to user APIs](https://plaid.com/docs/api/users/migrate-to-new-user-apis/index.html.md).

For Investments:
*   Added `prediction market` account subtype.

For Payment Initiation and Virtual Accounts:
*   Added support for `user_id` to the [/payment_initiation/payment/create](https://plaid.com/docs/api/products/payment-initiation/index.html.md#payment_initiationpaymentcreate), [/payment_initiation/consent/create](https://plaid.com/docs/api/products/payment-initiation/index.html.md#payment_initiationconsentcreate) and [/wallet/transaction/execute](https://plaid.com/docs/api/products/virtual-accounts/index.html.md#wallettransactionexecute) endpoints.
*   Added `TRANSFER_OUT` transaction type. This type represents a transaction that debits an e-wallet and cannot be classified under another category.
*   Added pass rate previews to the Dashboard Protect template editor.

For Transactions:
*   Added support for Merchant Category Codes (MCCs) via a new `merchant_category_code` field.
</Release>

<Release date="August 12, 2026" published="2026-08-12T00:00:00.000Z" url="https://plaid.com/docs/changelog/#august-12-2026">
## August 12, 2026

Added support for returning Annual Percentage Yield (APY) data on accounts via the new `apy` field. Added `/sandbox/user/fire_webhook` for firing test webhooks associated with a user (primarily Income and Plaid Check Consumer Report webhooks) rather than an Item. Added `/user/items/associate` for associating Items with a user id (Early Availability only).

**For Link:**
- Released iOS SDK v7.0.5, preventing SwiftUI Link sheet interactive dismissal so Link cannot be dismissed without triggering `onExit`, and deprecating `PlaidLinkView` and `PlaidLinkUIViewControllerRepresentable` in favor of `PlaidLinkSheet` or `session.sheet()`
- Released iOS SDK v7.1.0, including bug fixes and improved logging and error messaging, especially for headless sessions
- Released Android SDK v6.2.0, fixing a bug in which document uploads during the Link flow would sometimes fail, reducing minimum supported Android SDK version from 26 to 25, narrowing ProGuard rules to improve stack trace readability in minified apps, and removing the unused okhttp3 logging-interceptor dependency
- Released Android SDK v5.3.3, fixing a bug in which document uploads during the Link flow would sometimes fail
- Released React Native SDK v12.8.5, including several bug fixes, adding iOS support for `destroy()`, and bundling Android SDK v5.5.3 and iOS SDK v6.5.0
- Released React Native SDK v13.0.4, fixing a bug impacting Multi-Item Link sessions, preserving post-success HANDOFF event delivery to React Native onEvent callbacks, and bundling Android SDK v5.5.3 and iOS SDK v6.5.0

**For Identity Verification:**
- Added self-serve Sandbox access. Enable Identity Verification Sandbox access from the Dashboard Products page by clicking "Enable Sandbox"

**For Income:**
- Added support for the new User APIs. Effective August 17, 2026, new Income customers no longer need to request user token enablement, and existing Income customers can migrate to user APIs

**For Investments:**
- Added `prediction market` account subtype

**For Payment Initiation and Virtual Accounts:**
- Added support for `user_id` to the `/payment_initiation/payment/create`, `/payment_initiation/consent/create` and `/wallet/transaction/execute` endpoints
- Added `TRANSFER_OUT` transaction type. This type represents a transaction that debits an e-wallet and cannot be classified under another category, typically initiated by a non-Plaid flow due to technical errors, FPS timeouts, or other payment-related issues
- Added pass rate previews to the Dashboard Protect template editor, allowing you to preview the projected impact of changes to the template

**For Transactions:**
- Added support for Merchant Category Codes (MCCs) via a new `merchant_category_code` field
</Release>

<Release date="July 24, 2026" published="2026-07-24T00:00:00.000Z" url="https://plaid.com/docs/changelog/#multiple-sdk-releases-auth-canada-support-guaranteed-payment">
## Multiple SDK releases; Auth Canada support; Guaranteed Payments Early Availability

For Link:
* Released iOS SDK v7.0.4, containing a fix for failed subtype parsing in the SuccessMetadata object.
* Released iOS SDK v6.5.0, containing a fix for a FinanceKit related crash.
* Released Android SDK v6.1.0, containing eight previously-missing LinkEventViewNames and adding metadata to identify apps built with Plaid-Flutter.
* Released React Native SDK v13.0.3, bundling iOS SDK v7.0.4 and Android SDK v6.1.0.
* Released React SDK v4.2.0, containing bug fixes.
* Released React SDK v5.0.0, correcting TypeScript types (including a nullable public_token in onSuccess and an object-based exit() signature) to match the Link Web SDK, and adding stable Layer and Identity Match events with a complete Layer React example. See the migration guide for required TypeScript updates.

For Auth:
* Added Canada support for managing Database Auth via the Account Verification Dashboard.

For Transfer:
* Added additional endpoints and event types to support Guaranteed Payments (Early Availability).
</Release>

<Release date="July 24, 2026" published="2026-07-24T00:00:00.000Z" url="https://plaid.com/docs/changelog/#link-sdk-updates-canada-database-auth-and-guaranteed-payment">
## Link SDK updates, Canada Database Auth, and Guaranteed Payments Early Availability

For Link:
*   Released [iOS SDK v7.0.4](https://github.com/plaid/plaid-link-ios/), containing a fix for failed subtype parsing in the `SuccessMetadata` object.
*   Released [iOS SDK v6.5.0](https://github.com/plaid/plaid-link-ios/), containing a fix for a FinanceKit related crash.
*   Released [Android SDK v6.1.0](https://github.com/plaid/plaid-link-android/), containing eight previously-missing `LinkEventViewNames` and adding metadata to identify apps built with Plaid-Flutter.
*   Released [React Native SDK v13.0.3](https://github.com/plaid/react-native-plaid-link-sdk/), bundling iOS SDK v7.0.4 and Android SDK v6.1.0.
*   Released [React SDK v4.2.0](https://github.com/plaid/react-plaid-link), containing bug fixes.
*   Released [React SDK v5.0.0](https://github.com/plaid/react-plaid-link), correcting TypeScript types (including a nullable `public_token` in `onSuccess` and an object-based `exit()` signature) to match the Link Web SDK, and adding stable Layer and Identity Match events with a complete Layer React example. See the [migration guide](https://github.com/plaid/react-plaid-link/blob/master/MIGRATION.md) for required TypeScript updates.

For Auth:
*   Added Canada support for managing Database Auth via the Account Verification Dashboard.

For Transfer:
*   Added additional endpoints and event types to support Guaranteed Payments (Early Availability). To request access, see [Guaranteed Payments](https://plaid.com/products/guaranteed-payments/).
</Release>

<Release date="July 24, 2026" published="2026-07-24T00:00:00.000Z" url="https://plaid.com/docs/changelog/#july-24-2026">
## July 24, 2026

For Link:
- Released iOS SDK v7.0.4, fix for failed subtype parsing in SuccessMetadata.
- Released iOS SDK v6.5.0, fix for FinanceKit related crash.
- Released Android SDK v6.1.0, adding missing LinkEventViewNames and metadata to identify Plaid-Flutter apps.
- Released React Native SDK v13.0.3, bundling iOS SDK v7.0.4 and Android SDK v6.1.0.
- Released React SDK v4.2.0, bug fixes.
- Released React SDK v5.0.0, bug fixes, improved Layer/Identity Match support, interface updates for consistency with web SDK.

For Auth:
- Added Canada support for managing Database Auth via the Account Verification Dashboard.

For Transfer:
- Added additional endpoints and event types to support Guaranteed Payments (Early Availability).
</Release>

<Release date="July 17, 2026" published="2026-07-17T00:00:00.000Z" url="https://plaid.com/docs/changelog/#july-17-2026-plaid-check-consumer-report-and-identity-verifi">
## July 17, 2026 – Plaid Check Consumer Report and Identity Verification updates

**For Plaid Check Consumer Report:**
* Added the ability to suppress the GSE details section from appearing in the PDF Home Lending Report via a new `hide_gse_details` parameter in `/cra/check_report/verification/pdf/get`.
* To aid in troubleshooting, added `error`, `repairable_items`, and `failed_products` fields to the `CHECK_REPORT_FAILED` and `USER_CHECK_REPORT_FAILED` webhooks.
* Added an `exclusion_code` to `ultrafico_score_results`, exposing the FICO exclusion code that explains why an UltraFICO® score could not be computed.
</Release>

<Release date="July 17, 2026" published="2026-07-17T00:00:00.000Z" url="https://plaid.com/docs/changelog/#ios-sdk-fixes-plaid-check-consumer-report-enhancements-inves">
## iOS SDK fixes; Plaid Check Consumer Report enhancements; Investments Move coverage expansion; Signal Balance consent relaxation

For Link:
* Released iOS SDK v7.0.2, containing a fix for an issue in which onSuccess would sometimes not be called.
* Released iOS SDK v7.0.3, containing a fix for missing fields in the onSuccess callback.

For Plaid Check Consumer Report:
* Added the ability to suppress the GSE details section from appearing in the PDF Home Lending Report via a new `hide_gse_details` parameter.
* Added `error`, `repairable_items`, and `failed_products` fields to the CHECK_REPORT_FAILED and USER_CHECK_REPORT_FAILED webhooks.
* Added an `exclusion_code` to ultrafico_score_results, exposing the FICO exclusion code.

For Identity Verification:
* Added the new `user.ip_address` field to the /identity_verification/create request object.

For Investments Move:
* Significantly improved institution coverage, now supporting ACATS transfers at 2,700 institutions.

For Liabilities:
* Significantly improved coverage and fill rates for credit card APR data.

For Signal (Balance):
* Balance integrations that call /signal/evaluate with a Balance-only ruleset are no longer subject to Signal risk consent enforcement.

For Transfer:
* Announced the release of Guaranteed Payments in Early Availability.
* Added support for additional use cases, including certain remittance and gaming use cases.
</Release>

<Release date="July 17, 2026" published="2026-07-17T00:00:00.000Z" url="https://plaid.com/docs/changelog/#link-ios-fixes-plaid-check-consumer-report-updates-investmen">
## Link iOS fixes, Plaid Check Consumer Report updates, Investments Move coverage, and Guaranteed Payments announcement

For Link:
*   Released [iOS SDK v7.0.2](https://github.com/plaid/plaid-link-ios/), containing a fix for an issue in which `onSuccess` would sometimes not be called.
*   Released [iOS SDK v7.0.3](https://github.com/plaid/plaid-link-ios/), containing a fix for missing fields in the `onSuccess` callback.

For Plaid Check Consumer Report:
*   Added the ability to suppress the GSE details section from appearing in the PDF Home Lending Report via a new `hide_gse_details` parameter in [/cra/check_report/verification/pdf/get](https://plaid.com/docs/api/products/check/index.html.md#cracheck_reportverificationpdfget).
*   Added `error`, `repairable_items`, and `failed_products` fields to the `CHECK_REPORT_FAILED` and `USER_CHECK_REPORT_FAILED` webhooks.
*   Added an `exclusion_code` to `ultrafico_score_results`, exposing the FICO exclusion code that explains why an UltraFICO® score could not be computed.

For Identity Verification:
*   Added the new `user.ip_address` field to the [/identity_verification/create](https://plaid.com/docs/api/products/identity-verification/index.html.md#identity_verificationcreate) request object.

For Investments Move:
*   Significantly improved institution coverage, now supporting ACATS transfers at 2,700 institutions.

For Liabilities:
*   Significantly improved coverage and fill rates for credit card APR data.

For Signal (Balance):
*   Balance integrations that call [/signal/evaluate](https://plaid.com/docs/api/products/signal/index.html.md#signalevaluate) with a Balance-only ruleset are no longer subject to Signal risk consent enforcement. This relaxes the consent requirement announced on June 16, 2026, which now applies only to calls that use Signal Transaction Scores-powered rulesets.

For Transfer:
*   Announced the release of [Guaranteed Payments](https://plaid.com/products/guaranteed-payments/) in Early Availability.
*   Added support for additional use cases, including certain remittance and gaming use cases.
</Release>

<Release date="July 17, 2026" published="2026-07-17T00:00:00.000Z" url="https://plaid.com/docs/changelog/#july-17-2026">
## July 17, 2026

For Link:
- Released iOS SDK v7.0.2, fix for onSuccess not being called.
- Released iOS SDK v7.0.3, fix for missing fields in onSuccess callback.

For Plaid Check Consumer Report:
- Added ability to suppress GSE details in PDF Home Lending Report via hide_gse_details parameter.
- Added error, repairable_items, and failed_products fields to CHECK_REPORT_FAILED and USER_CHECK_REPORT_FAILED webhooks.
- Added exclusion_code to ultrafico_score_results.

For Identity Verification:
- Added user.ip_address field to /identity_verification/create for backend-only flow risk evaluation.

For Investments Move:
- Improved institution coverage, now supporting ACATS transfers at 2,700 institutions.

For Liabilities:
- Improved coverage and fill rates for credit card APR data.

For Signal (Balance):
- Balance-only ruleset calls to /signal/evaluate no longer subject to Signal risk consent enforcement.

For Transfer:
- Announced release of Guaranteed Payments in Early Availability.
- Added support for additional remittance and gaming use cases.
</Release>

<Release date="July 9, 2026" published="2026-07-09T00:00:00.000Z" url="https://plaid.com/docs/changelog/#identity-verification-map-visualization-and-fraud-labels-ope">
## Identity Verification map visualization and fraud labels; OpenFIGI support; Layer self-serve; new transaction codes

For Identity Verification:
* Added a map-based visualization showing the end user's associated locations, including IP address geolocation, reported address, and document address.
* Added new fraud labels and a new categorization scheme: User account and identity, bank account or payment method, transaction, and behavior.

For Investments:
* Added support for OpenFIGI securities data via the new `figi` field.

For Layer:
* Made the ability to enable Intelligent Account Sorting self-serve via the Dashboard.

For Transactions:
* Added `cash advance`, `late fee`, `membership fee`, `returned item fee` as possible values to the `transaction_code` enum.
</Release>

<Release date="July 9, 2026" published="2026-07-09T00:00:00.000Z" url="https://plaid.com/docs/changelog/#identity-verification-fraud-labels-openfigi-securities-data-">
## Identity Verification fraud labels, OpenFIGI securities data, Layer self-serve, and new transaction codes

For Identity Verification:
*   Added a map-based visualization showing the end user's associated locations, including their IP address geolocation, reported address, and document address. The visualization also reports the distance between these locations and provides a risk level assessment.
*   Added new fraud labels and a new categorization scheme. New categories: User account and identity, bank account or payment method, transaction, and behavior.

For Investments:
*   Added support for OpenFIGI securities data via the new `figi` field. Because the FIGI identifier is immutable, both clients and Plaid can now more accurately track a holding's identity.

For Layer:
*   Made the ability to enable Intelligent Account Sorting self-serve via the Dashboard.

For Transactions:
*   Added `cash advance`, `late fee`, `membership fee`, `returned item fee` as possible values to the `transaction_code` enum.
</Release>

<Release date="July 9, 2026" published="2026-07-09T00:00:00.000Z" url="https://plaid.com/docs/changelog/#july-9-2026">
## July 9, 2026

For Identity Verification:
- Added map-based visualization of end user's associated locations (IP geolocation, reported address, document address) with risk level assessment.
- Added new fraud labels and categorization scheme across user account/identity, bank account/payment method, transaction, and behavior categories.

For Investments:
- Added support for OpenFIGI securities data via new figi field.

For Layer:
- Made Intelligent Account Sorting self-serve via the Dashboard.

For Transactions:
- Added cash advance, late fee, membership fee, returned item fee to transaction_code enum.
</Release>

<Release date="July 2, 2026" published="2026-07-02T00:00:00.000Z" url="https://plaid.com/docs/changelog/#android-sdk-v6-0-0-and-react-native-sdk-v13-0-0-major-releas">
## Android SDK v6.0.0 and React Native SDK v13.0.0 major releases; Dashboard Support redesign; Income Form I-20 support

* Added `FRAUD_TRANSACTION` to the `reason_code` enum used by /item/products/terminate and /user/products/terminate.
* Redesigned the Support experience in the Dashboard for less friction and faster issue resolution, including Bill AI assistant as optional, more actionable Known Issues, and improved case management.

For Link:
* Released Android SDK v6.0.0, a major release rebuilt in Kotlin with a session-based API. Reduces SDK footprint by ~74% (from ~4.5 MB to ~1.2 MB) and adds an onLoad callback. Legacy APIs removed; minimum Android version raised to API 26.
* Released React Native SDK v13.0.0, a major release rebuilt on Expo Modules that replaces legacy global APIs with session objects, and adds Embedded Search and Headless Link support.
* Released React Native SDK v13.0.1, containing a fix for Expo SDK 56 iOS prebuild failures.
* Released React Native SDK v13.0.2, which bundles iOS LinkKit 7.0.1 and restores React Native wrapper detection.
* Released iOS SDK v7.0.1, containing a fix for React Native version parsing.

For Income:
* Added support for the Form I-20 US immigration student document to /credit/payroll_income/get.
</Release>

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