> ## 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. # Account File Schema > Field-level reference for the Account file, covering identifiers, account holders, authorized parties, deposit details, credit details, and documents. **An account must be created for all approved applications.**\ Deposit details are only relevant for deposit products and credit details are only relevant for credit products. For all optional fields where you do not plan to pass through data, please include the header and an empty value. ## IDs & Details | **Field** | **Description** | **Required** | **Data Type** | | ----------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------- | | client\_account\_id | Unique ID of the account. Cannot start with `account_`, `subledgered_account_`, or `partner_ledgered_account_` (reserved for Lead-generated account IDs). | Required | string | | application\_id | Unique ID of the application in your system. | Required if a [Credit Balance](/file-integrations/balances-and-transactions/balance-reconciliation) will be linked to the account.

Not required for deposit products. | string | | account\_holder\_type | Type of account holder. | Required | enum:
`consumer`
`commercial` | | account\_holders | IDs of any account holders and co-holders. | Required with a `min_size` of 1 | An array of account holder IDs.

**Example**
"entity\_123", "entity\_456"

Can be either `entity_id` or `client_customer_id`. | | authorized\_signers | A list of authorized signers. These are persons who can access, control, and change products and services on the account. | Required if `account_holder_type` = `commercial` and min size >=1 for commercial | An array of authorized signer IDs.

**Example**
"entity\_123", "entity\_456"

Can be either `entity_id` or `client_customer_id`. | | authorized\_users1 | A list of authorized users. These are persons who do not own the account but have restricted, authorized use on the account. Optionally, the Authorized Users file may be used instead if max items > 10. | Optional.

May not be used if your program delivers `authorized_users` in the [Authorized Users file](/file-integrations/authorized-users/schema). | An array of authorized user IDs.

**Example**
"entity\_123", "entity\_456"

Can be either `entity_id` or `client_customer_id`. | | currency | [Account currency](/file-integrations/file-delivery/currencies).

This signals to Lead which currency you are using to report available\_credit and credit\_limit in the Accounts file. This may be different `currency` reported in Balance Daily files if your end-users hold Balances in multiple currencies. 3 letter code, e.g. USD | Required | [ISO4217](https://www.iso.org/iso-4217-currency-codes.html) | | client\_product\_name | Name of the product offered by the client. | Required | string | | is\_secured | Indicate if the product is a secured credit or secured deposit product. | Required | boolean | 1. If your program will have large volumes of authorized users per account, speak to your Technical Account Manager to utilize the [Standalone Authorized Users](/file-integrations/authorized-users/schema) file instead of this parameter. Once this configuration is set, the `authorized_users`parameter will no longer be supported on the Accounts file. ## Status & Timing | **Field** | **Description** | **Required** | **Data Type** | | :------------- | :----------------------------------------------------------------------------------------------------------------- | :----------- | :------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | created\_at | Datetime account initiated. | Required | datetime
[ISO8601](https://www.iso.org/iso-8601-date-and-time-format.html) | | status | `active`: Account is active

`inactive`: Account with no activity

`closed`: Account is closed | Required | enum:
`active`
`inactive`
`closed` | | status\_reason | The reason for the decision on the status. | Required | enum:
`fraudulent`
`client_closed`
`user_closed`
`entity_closed`
`frozen`
`dormant`
`active`
`paid_off`
`charged_off`
`other` Note `user_closed` will eventually be deprecated in favor of `entity_closed` | ## AAN & Exception Approval | **Field** | **Description** | **Required** | **Data Type** | | :-------------------- | :---------------------------------------------------------- | :-------------------------------------------- | :------------------------------------------------------------------------------ | | aan\_delivered\_at | The datetime the adverse action notice (AAN) was delivered. | Required if `status_reason` = `client_closed` | datetime
[ISO8601](https://www.iso.org/iso-8601-date-and-time-format.html) | | aan\_reason | Reason an AAN was sent to the customer. | Required if `status_reason` = `client_closed` | string | | aan\_delivery\_method | AAN delivery method. | Required if `status_reason` = `client_closed` | enum:
`email`
`text`
`other` | ## Compliance | **Field** | **Description** | **Required** | **Data Type** | | :-------- | :---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | :----------- | :---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | documents | An array of JSON hashes of customer-facing documents. The JSON hash should reference any dynamic document that has been uploaded to the Documents folder or the version of a static document approved by Lead compliance, and include the document name/type, its client\_document\_name or document\_id, its version, and its consent date. The required docs will be defined between the client and Lead bank during setup. | Required | **Example**
"document\_id": "client\_document\_123", "type": "esign\_agreement", "consented\_at": "2025-12-31T15:38:34.101-06:00", "version": "20220202" Note: JSON strings embedded in CSV fields must be enclosed in double quotes, with internal double quotes escaped by doubling them ("").

For documents uploaded via SFTP, please input the full file name as document\_id. The suggested naming convention is: \`\\_\_\*\*\.\\` | ## Credit Details | **Field** | **Description** | **Required** | **Data Type** | | :------------------ | :------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | :---------------------------------------------------------------------------------------------------------------------------------------------------- | :-------------------------------------------------------------------------------- | | is\_scra | Does the Servicemembers Civil Relief Act (SCRA) apply to this account. | Required if a [Credit Balance](/file-integrations/balances-and-transactions/balances-schema) will be linked to this account. AND `status` != `closed` | boolean | | scra\_started\_at | The datetime when SCRA starts. | Required if `is_scra` = `true` | date
`YYYY-MM-DD` | | scra\_ended\_at | The datetime when SCRA ends. | Optional.

Expected if `is_scra` = `true` and the SCRA end date is known. Disallowed if `is_scra` is false | date
`YYYY-MM-DD` | | is\_mla | `true` if the customer is subject to the Military Lending Act (MLA); `false` otherwise. | Required if a [Credit Balance](/file-integrations/balances-and-transactions/balances-schema) will be linked to the account and `status` != `closed` | boolean | | underwriting\_grade | The grade or score assigned to the customer based on underwriting. | Required if a [Credit Balance ](/file-integrations/balances-and-transactions/balances-schema) will be linked to the account and `status` != `closed` | string | | available\_credit | Available credit limit on the customer's account. Lead validates that this value equals Credit Limit minus the sum of the `balance` field for all [Balances](/file-integrations/balances-and-transactions/balances-schema) linked to this account | Required if a [Credit Balance ](/file-integrations/balances-and-transactions/balances-schema) will be linked to the account and `status` != `closed` | number

[currency decimal](/file-integrations/file-delivery/currencies) | | credit\_limit | The maximum amount the customer can draw. This may be different from the max credit limit the customer has been approved for. | Required if a [Credit Balance ](/file-integrations/balances-and-transactions/balances-schema) will be linked to the account and `status` != `closed` | number

[currency decimal](/file-integrations/file-delivery/currencies) | | max\_credit\_limit | The maximum credit limit the customer has been approved for based on original underwriting and the product. | Required if a [Credit Balance ](/file-integrations/balances-and-transactions/balances-schema) will be linked to the account and `status` != `closed` | number

[currency decimal](/file-integrations/file-delivery/currencies) | ## Credit Bureau Data | **Field** | **Description** | **Required** | **Data Type** | | :-------------------------------- | :--------------------------------------------------------------------------------------------------------------------- | :--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | :------------------------------------------------------------------------------------ | | credit\_pulled\_at | The date the credit report is pulled. | Required if your program's underwriting policy requires credit bureau data on all accounts. This will be agreed upon with Lead's Legal team during implementation Required if any of `credit_score`, `credit_report_non_score_value`, or `credit_report_source` are present | datetime

[ISO8601](https://www.iso.org/iso-8601-date-and-time-format.html) | | credit\_score | Credit score given by the credit bureau. Cannot be above 850. Mutually exclusive with `credit_report_non_score_value`. | Required if your program's underwriting policy requires credit bureau data on all accounts. This will be agreed upon with Lead's Legal team during implementation Required if credit bureau data is present and `credit_report_non_score_value` is not provided | number | | credit\_report\_non\_score\_value | Indicates the state of a credit file when a numeric score is not available. Mutually exclusive with `credit_score`. | Required if credit bureau data is present and `credit_score` is not provided | enum:
`unestablished`
`frozen` | | credit\_report\_source | The name of the credit bureau. | Required if your program's underwriting policy requires credit bureau data on all accounts. This will be agreed upon with Lead's Legal team during implementation Required if any of `credit_pulled_at`, `credit_score`, or `credit_report_non_score_value` are present | enum:
`equifax`
`experian`
`transunion` | ## Other | **Field** | **Description** | **Required** | **Data Type** | | :------------ | :-------------------------------------------------------------------------------------------------- | :----------- | :------------------------------------------------------------------------------------ | | generated\_at | The day this file is generated. This should always be the date the file is sent to Lead Bank. | Required | datetime

[ISO8601](https://www.iso.org/iso-8601-date-and-time-format.html) | | effective\_at | The timestamp of when the related object(s) were polled to collect the information for this record. | Required | datetime

[ISO8601](https://www.iso.org/iso-8601-date-and-time-format.html) |