Making DOB field optional for External Bank Accounts

Overview

The dob field has been made optional in our Create External Bank Account endpoint, to remove friction for customers who cannot easily obtain the date of birth of the individual on the account.

As a best practice, customer who do maintain this information should still continue to send the field to assist with potential future transaction monitoring efforts.

Details

Before

• When creating an External Bank Account with owner_type = INDIVIDUAL, dob was a required field
• When creating an External Bank Account with owner_type = BUSINESS, dob was an optional field

Now

• When creating an External Bank Account with owner_type = INDIVIDUAL, dob is an optional field
• When creating an External Bank Account with owner_type = BUSINESS, dob is an optional field

Release Timeline

• Available now

User Impact

This change will not affect any existing implementations. If programs want to change their implementation to no longer send dob, they are free to do so.

Updated Documentation

For updated API information, visit our External Bank Accounts guide

If you have any questions or concerns, please contact us via the HELP link in your Lithic Dashboard.

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