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Yodlee APIs – New Features/Enhancements

Update Eligibility Values Changed

To improve the aggregation success rates, we have updated the values of the updateEligibility attribute for the following scenarios:

  • Provider site is temporarily not available or blocked for refresh – The updateEligibility attribute value has been updated from DISALLOW_UPDATE to ALLOW_UPDATE.
    This change gives the users an option to trigger the refresh later, and it applies only to scenarios where the issues at the provider site are temporary.
     
    Additional Status Update Eligibility
    Current Changed
    SITE_BLOCKING_ERROR DISALLOW_UPDATE ALLOW_UPDATE
  • Permanent issues at the provider site – The updateEligibility attribute value will still be DISALLOW_UPDATE when the additionalStatus is SITE_NOT_SUPPORTED.
  • Credential update or new credential is required – The updateEligibility attribute value has been updated from DISALLOW_UPDATE to ALLOW_UPDATE_WITH_CREDENTIALS.
     
    Additional Status Update Eligibility
    Current Changed
    CREDENTIALS_UPDATE_NEEDED DISALLOW_UPDATE ALLOW_UPDATE_WITH_CREDENTIALS
    NEW_AUTHENTICATION_REQUIRED

Client Credential, JWT, and SAML Feature Compatibility

The existing limitation is a user registered using Yodlee API v1.1 with the client credential (CC) or the JWT authentication method is not accessible using the SAML authentication. With this enhancement, the user that has registered using any of the methods such as Yodlee API v1.1 registration service using CC or JWT authentication, SAML implicit registration, or CC implicit registration will be accessible through any of the authentication methods.

JAVA SDK Enhancements and Bug Fixes

  • GZIP compression support – The SDK has been enhanced to request GZIP compression for APIs where the response payloads are large. This feature will help in improving performance during the response payload transmission.
  • The SDK has been enhanced for the new attribute and services that are updated for this release.
  • Bug fixes:
    • For the providerAccount entity the enum attribute type is fixed to accept the correct value options instead of option.
    • The SDK has been fixed to support more currencies.

MFA Enhancements

  • MFA buffer time enhancement –
    To reduce the MFA failures, the GET provider account details API will withhold few seconds from the actual timeout as a buffer time and return the remaining time in the mfaTimeout attribute.
    For example, for an MFA site with 50 seconds as the MFA timeout, the API will return 45 seconds as the mfaTimeout value. This will assure that the request will be successfully processed, even if the user answers close to the 45th second.
    API URL:   
  • Dynamic MFA timeout –
    To provide a better experience, the GET provider account details API API has been enhanced to return the remaining time to accept the MFA input from the user in the mfaTimeout attribute.
    For example, for an MFA site, the API call returns the MFA login form at 23:29:00, along with the mfaTimeout value of 90000. If the same API call is made at 23:29:30, the API will return mfaTimeout value as 60000 (as 30 seconds have elapsed).
    API URL:   

Bug Fix

When credentials are required to perform a refresh for a provider account, refresh is triggered and it fails after some time. This behavior has been updated to restrict refresh requests for provider accounts that require credentials to refresh; the following error message will be returned:

{
   "errorCode":"Y825",
   "errorMessage":"Update not allowed ( Reason: USER_INPUT_REQUIRED )",
   "referenceCode":"y1610979532181X9u1x"
}


Account Verification - New Features/Enhancements

New Latest Account Balance API

Asynchronous API to fetch the latest balance of a verified account has been introduced. This new API reduces the complexity of using three different APIs to fetch the latest account balance. Internally, the API initiates a new refresh, and the latest balance is returned if the refresh is completed within the configured period (default is 30 seconds) with the SUCCESS status. The GET latest balance API will only initiate a new refresh if the time between the previous refresh and the new request is more than the configured time interval (default is 15 minutes).
Refreshes that continue beyond the configured time are returned with IN_PRORESS status. Customers can utilize the new dedicated webhook developed for the GET latest balance API to get notified when the refresh is completed. If the refresh fails due to an error, the FAILED status will be returned with the corresponding failed reason.

API URL:   

Webhooks for Latest Account Balance API

A new webhooks event – LATEST_BALANCE_UPDATES – has been introduced that is dedicated to the GET latest account balance API. Customers should subscribe to the new event to receive notifications when the balance refresh request is performed using the GET latest account balance API.
Notifications will only be generated and sent when a new refresh triggered by the GET latest balance API is completed. The webhooks notification lets the customer know if the refresh request is successful or has failed, and it enables the customer to fetch the updated balance using the GET latest balance API. For more details, see Latest Balance Status Notification.

Chase Provider OAuth Upgrade – Verification Impact

As part of the Chase OAuth or OB upgrade, the full account number has been replaced with a substitute account number (SAN) and a different routing number for Chase OB. The following changes are being done to accommodate the Chase OAuth upgrade:

  • Legacy account verification implementation –
    • Matching service – Account number matching will not be done for the Chase OB site irrespective of the customer’s configuration. This only applies to customers who have enabled account number matching.
    • Data service – In the accountNumber attribute, SAN will be returned. It is recommended to not display SAN to the users but it can be used for ACH payments.
  • FastLink 2.0 – For the Chase OB site, after verification, the account number will not be displayed in the account summary screen.
  • FastLink 3.0 – After verification, the routing number will not be displayed in the account summary screen for the Chase OB site.

Transaction Data Enrichment – New Features/Enhancements

Detail Category Added

Based on the market feedback, to improve the enrichment output for retail customers, the following six new granular or detail categories have been added to the existing category enrichment:

Category ID Detail Category Name
1706 Private Airports
1707 Comic Book Stores
1708 Comedy Clubs
1709 Bubble Tea
1710 Vaporizer Shops
1711 Cannabis Stores

Update Transaction API Enhancement

The update transaction API currently allows consumers to update/override only the master category enrichment based on their preference. As part of this release, this functionality has been extended to three more enrichment fields.
Consumers can provide inputs and override the following three enrichments fields with their preferences using the update transaction API supports:

  • isPhysical
  • merchantType
  • detailCategoryId
API URL:   


Wealth Management – New Features/Enhancements

Machine Learning Model – Account Type Enrichment

Using Machine Learning (ML) models, the account type identification process has been enhanced to have better population rates and improved data accuracy.
The enhanced ML account type data model is intended to serve as a replacement for the legacy Security Normalization (SN) 1.0 account types. The legacy SN 1.0 account types will no longer be available in the FinApp views and API responses. Mapping of these changes is provided in Account Type Mapping.
The accountType field in the following API response and the standard FinApp views should be referenced for account types:

API URLs:   

 


Account Category

In the GET accounts API, a new accountCategory attribute has been introduced that will add a new hierarchy in the account type enrichment process to identify broad-level grouping of account types. The new attribute accountCategory will only be available to the Yodlee API v1.1 customers and will return the following values:

  • General Investing
  • Retirement
  • Benefits
  • Trust
  • Annuity
  • Insurance
  • Education
  • Business
  • Specialty
  • Other
Account Type Mapping

The ML model references the latest account type list and is focused on improving accuracy and population rates:

Legacy Data Model Latest ML Model
(SN 1.0 API Response Value) (API Response Value)
OTHER OTHER
BROKERAGE_CASH BROKERAGE_CASH
BROKERAGE_MARGIN BROKERAGE_MARGIN
IRA INDIVIDUAL_RETIREMENT_ACCOUNT_IRA
401K EMPLOYEE_RETIREMENT_ACCOUNT_401K
403B EMPLOYEE_RETIREMENT_SAVINGS_PLAN_403B
TRUST TRUST
ANNUITY ANNUITY
SIMPLE SIMPLE_IRA
CUSTODIAL CUSTODIAL_ACCOUNT
BROKERAGE_CASH_OPTION BROKERAGE_CASH_OPTION
BROKERAGE_MARGIN_OPTION BROKERAGE_MARGIN_OPTION
INDIVIDUAL INDIVIDUAL
CORPORATE CORPORATE_INVESTMENT_ACCOUNT
JTTIC JOINT_TENANTS_TENANCY_IN_COMMON_JTIC
JTWROS JOINT_TENANTS_WITH_RIGHTS_OF_SURVIVORSHIP_JTWROS
COMMUNITY_PROPERTY JOINT_TENANTS_COMMUNITY_PROPERTY
JOINT_BY_ENTIRETY JOINT_TENANTS_TENANTS_BY_ENTIRETY
CONSERVATORSHIP CONSERVATOR
ROTH ROTH_IRA
ROTH_CONVERSION ROTH_CONVERSION 
ROLLOVER ROLLOVER_IRA
EDUCATIONAL EDUCATIONAL
529_PLAN EDUCATIONAL_SAVINGS_PLAN_529
457_DEFERRED_COMPENSATION DEFERRED_COMPENSATION_PLAN_457
401A MONEY_PURCHASE_RETIREMENT_PLAN_401A
PSP PROFIT_SHARING_PLAN
MPP MONEY_PURCHASE_PLAN
STOCK_BASKET STOCK_BASKET_ACCOUNT
LIVING_TRUST LIVING_TRUST
REVOCABLE_TRUST REVOCABLE_TRUST
IRREVOCABLE_TRUST IRREVOCABLE_TRUST
CHARITABLE_REMAINDER CHARITABLE_REMAINDER_TRUST
CHARITABLE_LEAD CHARITABLE_LEAD_TRUST
CHARITABLE_GIFT_ACCOUNT CHARITABLE_GIFT_ACCOUNT
SEP SEP_IRA
UTMA UNIFORM_TRANSFER_TO_MINORS_ACT_UTMA
UGMA UNIFORM_GIFT_TO_MINORS_ACT_UGMA
ESOPP EMPLOYEE_STOCK_OWNERSHIP_PLAN_ESOP
ADMINISTRATOR ADMINISTRATOR 
EXECUTOR EXECUTOR
PARTNERSHIP PARTNERSHIP
SOLE_PROPRIETORSHIP PROPRIETORSHIP
CHURCH CHURCH_ACCOUNT
INVESTMENT_CLUB INVESTMENT_CLUB
RESTRICTED_STOCK_AWARD RESTRICTED_STOCK_AWARD
CMA CASH_MANAGEMENT_ACCOUNT
EMPLOYEE_STOCK_PURCHASE_PLAN EMPLOYEE_STOCK_PURCHASE_PLAN_ESPP
PERFORMANCE_PLAN PERFORMANCE_PLAN
BROKERAGE_LINK_ACCOUNT BROKERAGE_LINK_ACCOUNT
MONEY_MARKET MONEY_MARKET_ACCOUNT
SUPER_ANNUATION SUPERANNUATION
REGISTERED_RETIREMENT_SAVINGS_PLAN REGISTERED_RETIREMENT_SAVINGS_PLAN_RRSP
SPOUSAL_RETIREMENT_SAVINGS_PLAN SPOUSAL_RETIREMENT_SAVINGS_PLAN_SRSP
DEFERRED_PROFIT_SHARING_PLAN DEFERRED_PROFIT_SHARING_PLAN_DPSP
NON_REGISTERED_SAVINGS_PLAN NON_REGISTERED_SAVINGS_PLAN_NRSP
REGISTERED_EDUCATION_SAVINGS_PLAN REGISTERED_EDUCATION_SAVINGS_PLAN_RESP
GROUP_RETIREMENT_SAVINGS_PLAN GROUP_RETIREMENT_SAVINGS_PLAN_GRSP
LOCKED_IN_RETIREMENT_SAVINGS_PLAN LOCKED_IN_RETIREMENT_SAVINGS_PLAN_LRSP
RESTRICTED_LOCKED_IN_SAVINGS_PLAN RESTRICTED_LOCKED_IN_SAVINGS_PLAN_RLSP
LOCKED_IN_RETIREMENT_ACCOUNT LOCKED_IN_RETIREMENT_ACCOUNT_LIRA
REGISTERED_PENSION_PLAN REGISTERED_PENSION_PLAN_RPP
TAX_FREE_SAVINGS_ACCOUNT TAX_FREE_SAVINGS_ACCOUNT_TFSA
LIFE_INCOME_FUND LIFE_INCOME_FUND_LIF
REGISTERED_RETIREMENT_INCOME_FUND REGISTERED_RETIREMENT_INCOME_FUND_RIF
SPOUSAL_RETIREMENT_INCOME_FUND SPOUSAL_RETIREMENT_INCOME_FUND_SRIF
LOCKED_IN_REGISTERED_INVESTMENT_FUND LOCKED_IN_REGISTERED_INVESTMENT_FUND_LRIF
PRESCRIBED_REGISTERED_RETIREMENT_INCOME_FUND PRESCRIBED_REGISTERED_RETIREMENT_INCOME_FUND_PRIF
GUARANTEED_INVESTMENT_CERTIFICATES GUARANTEED_INVESTMENT_CERTIFICATES_GIC
REGISTERED_DISABILITY_SAVINGS_PLAN  REGISTERED_DISABILITY_SAVINGS_PLAN_RDSP
  DEFINED_CONTRIBUTION_PLAN 
DEFINED_BENEFIT_PLAN
EMPLOYEE_STOCK_OPTION_PLAN 
NONQUALIFIED_DEFERRED_COMPENSATION_PLAN_409A
KEOGH_PLAN
EMPLOYEE_RETIREMENT_ACCOUNT_ROTH_401K
DEFERRED_CONTINGENT_CAPITAL_PLAN_DCCP
EMPLOYEE_BENEFIT_PLAN
EMPLOYEE_SAVINGS_PLAN
HEALTH_SAVINGS_ACCOUNT_HSA
COVERDELL_EDUCATION_SAVINGS_ACCOUNT_ESA
TESTAMENTARY_TRUST
ESTATE 
GRANTOR_RETAINED_ANNUITY_TRUST_GRAT
ADVISORY_ACCOUNT
NON_PROFIT_ORGANIZATION_501C
PENSION_PLAN
HEALTH_REIMBURSEMENT_ARRANGEMENT_HRA
INDIVIDUAL_SAVINGS_ACCOUNT_ISA
CASH_ISA
STOCKS_AND_SHARES_ISA
INNOVATIVE_FINANCE_ISA
JUNIOR_ISA
EMPLOYEES_PROVIDENT_FUND_ORGANIZATION_EPFO
PUBLIC_PROVIDENT_FUND_PPF
EMPLOYEES_PENSION_SCHEME_EPS
NATIONAL_PENSION_SYSTEM_NPS
INDEXED_ANNUITY
ANNUITIZED_ANNUITY
VARIABLE_ANNUITY
ROTH_403B
SPOUSAL_IRA
SPOUSAL_ROTH_IRA
SARSEP_IRA
SUBSTANTIALLY_EQUAL_PERIODIC_PAYMENTS_SEPP
OFFSHORE_TRUST
IRREVOCABLE_LIFE_INSURANCE_TRUST
INTERNATIONAL_TRUST
LIFE_INTEREST_TRUST
EMPLOYEE_BENEFIT_TRUST
PRECIOUS_METAL_ACCOUNT
INVESTMENT_LOAN_ACCOUNT
GRANTOR_RETAINED_INCOME_TRUST