Enforced Today
| Validation | Description |
|---|---|
| Missing Status Reason | status_reason must be populated and consistent with status. Closed accounts must use a closed reason (entity_closed, client_closed, paid_off, charged_off, canceled). |
| Missing Adverse Action Notice | Adverse action notice fields (aan_delivered_at, aan_reason, aan_delivery_method) are required if status_reason = client_closed. |
| Missing Credit Score Detail | Either all three credit score fields are provided or none (credit_pulled_at, credit_score, credit_report_source). |
| Invalid Entity Reference on Closed Account | References to account holders, authorized signers, and authorized users by client_customer_id or entity_id must refer to entities that have already been submitted to Lead if the account is in a closed state. |
| May Not Change Closed Account | Updates may not be made to accounts in a closed state. A closed account cannot be re-opened. |
| Entity Role Mismatch for Account | Each entity referenced on the account must meet the role requirements for account_holder, authorized_signer, or authorized_user as appropriate. |
| Previous Account Has effective_at >= current Account effective_at | On account update, effective_at must be greater than the previous instance of this record. |
Future Enforcements
Lead expects partners to comply with the validations below; however we do not currently enforce them upon daily processing. We will provide you with 60 days notice before enforcing the following validations.| Validation | Description |
|---|---|
| Invalid Namespace | client_account_id cannot start with account_, subledgered_account_, or partner_ledgered_account_ (reserved for Lead-generated account IDs). |
| Invalid Entities on Account | Account holders, authorized signers, and authorized users must have a valid entity_id or client_customer_id if the account is in a closed state. |
| Credit Limit Cannot Exceed Max Credit Limit | credit_limit <= max_credit_limit if both are provided. |
| Missing Adverse Action Notice Detail | If status_reason = client_closed, either all three adverse action notice fields are provided or none (aan_delivered_at, aan_reason, aan_delivery_method). |
| Invalid Account Status Transition | Updates to non-closed accounts must comply with valid status transitions. |