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Create User Disclosure

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API endpoint path: /db-disclosures/v1/institution-user-disclosures

Creates or persists a user‑level disclosure record for the authenticated user within the financial institution. This endpoint records a user’s acceptance or enrollment state for an institution disclosure, supporting online statement disclosures, and custom disclosure types, and routes persistence to the appropriate downstream system.

Use this endpoint to:

  • Create user‑level disclosure records for custom institution disclosures and record the user’s acceptance or enrollment status.
  • Create and update user‑level and account‑level records for online statement (OLS) disclosures and record the user’s acceptance status.

Behavior and capabilities:

  • Validates the request for required fields, disclosure identifiers or names, account context, and supported disclosure status values before processing.
  • Routes persistence to the appropriate downstream system based on disclosure type and request content, using institution and user context derived from the access token.
  • Supports Business Banking and retail users, applying institution customer context validation rules when required.

Request

Responses

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