> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lead.bank/llms.txt
> Use this file to discover all available pages before exploring further.

# Roles

> Govern which financial products an entity may use.

Account Holders qualify for all Authorized Signer and Authorized User use-cases. Authorized Signers qualify for all Authorized User use-cases.

To ensure that an entity meets role requirements during a Create or Update entity request, you must pass the `intended_roles` parameter. To check role eligibility for an entity, you may observe the `role_details` parameter of the GET entity request.

Allowed roles:

* **Account Holder:** Entity with full control and legal responsibility for the account.
* **Authorized Signer:** Individual authorized to sign on behalf of the account holder, without legal responsibility. Common for business accounts.
* **Authorized User:** Individual with restricted account access, without legal responsibility.

An entity may be eligible for more than 1 role. In this case, you can specify multiple roles in intended\_roles (e.g., authorized signer, account holder) when creating an entity. However, all roles included in intended\_roles must successfully pass validation for the entity to be created. See the next sections for more details on types of entities and how to use `intended_roles` and data requirements on intended roles.

### Role Use Cases

**Account Holder Role**

* Necessary for provisioning and using [Account Numbers](/api-reference/endpoint/account-number/create-an-account-number).
* Necessary for designating an entity as an `account_holder` in the [Account file](/file-integrations/account/schema).
* Allows for [provisioning Cards](/file-integrations/card-files/schema) to an entity -- if the entity is also listed as an Account Holder for the Account under which the card is provisioned.

**Authorized Signer Role**

* Necessary for listing an entity as a beneficial owner or control person for a business entity.
* Necessary for designating an entity as an `authorized_signer` in the [Account file](/file-integrations/account/schema).

**Authorized User Role**

* Necessary for designating an entity as an `authorized_user` in the [Account file](/file-integrations/account/schema).
* Allows for [provisioning Cards](/file-integrations/card-files/schema) to an entity — if the entity is also listed as an Authorized User for the Account under which the card is provisioned.

## Data Requirements

|                   | **Individual**                                                                                                                                                                                                                          | **Business**                                                                                                                                                                                                                                                                                                                                     | **Sole Proprietorship**                                                                                                                                                                                                                                               |
| ----------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Authorized User   | - First name - Last name - Contact method (email or phone number)                                                                                                                                                                       | N/A                                                                                                                                                                                                                                                                                                                                              | N/A                                                                                                                                                                                                                                                                   |
| Authorized Signer | - First name - Last name - Contact method (email or phone number) - Physical address<sup>3</sup> - Date of birth (18 or older) - Government verified identification<sup>4</sup> - OFAC passed & valid - KYC passed & valid              | N/A                                                                                                                                                                                                                                                                                                                                              | N/A                                                                                                                                                                                                                                                                   |
| Account Holder    | - First name - Last name - Contact method (email or phone number) - Physical address<sup>3</sup> - Date of birth (18 or older) - Government verified identification<sup>4</sup> - OFAC passed & valid - KYC passed & valid - Risk score | - Business name - Business type - Business industry - Contact method (email or phone number) - Government verified identification<sup>4</sup> - Physical address<sup>3</sup> - KYC passed & valid - OFAC passed & valid - Risk score - Control person(s)<sup>5</sup> and title of control person(s) - Applicable beneficial owner(s)<sup>5</sup> | - Business name - Business type - Business industry - Contact method (email or phone number) - Government verified identification<sup>4</sup> - Physical address<sup>3</sup> - KYC passed & valid - OFAC passed & valid - Risk score - Sole proprietor(s)<sup>6</sup> |

<sup>1. An entity is a US entity if they have a US tax identification number. </sup>\
<sup>2. Full KYC means name, date of birth (applies to individual entity only), physical address, government verified id.  </sup>\
<sup>3. Address must not be registered agent address, PO box or in prohibited countries.  </sup>\
<sup>4. For a government verified identification, if the entity is a US entity, it must be a tax ID. Otherwise, for a non-US entity, other forms of government verified identification is required.  </sup>\
<sup>5. Data requirements for beneficial owners/control persons match those of authorized\_signer roles. You are expected to capture and submit accurate beneficial ownership data; however, in instances with no beneficial owners, an empty array is a valid submission.  </sup>\
<sup>6. Data requirements for sole proprietors match those of authorized\_signer roles.</sup>