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Update Custom User Disclosure

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

Updates the acceptance or enrollment state of a custom user disclosure for the authenticated user. This endpoint applies changes to an existing user disclosure record and routes the update to the appropriate backend system based on the disclosure type.

Use this endpoint to:

  • Update a user’s acceptance or enrollment status for custom institution disclosures.
  • Record changes to disclosure status for supported system‑level disclosures such as Internet Banking (IB) or e‑sign (ESIGN), where applicable.
  • Maintain accurate user disclosure state for downstream features and compliance needs.

Behavior and capabilities:

  • Validates the request body for required identifiers, supported disclosure statuses, and field constraints before processing.
  • Routes updates to the appropriate downstream system based on disclosure type: - e‑sign (ESIGN) status is updated to reflect an accepted or not‑accepted state. - All other custom disclosures update (not ESIGN or IB) require a institutionDisclosureId to be present in the request body.
  • User-level and account-level online statement (OLS) updates are not supported by this endpoint.
  • Supports both retail and Business Banking users, enforcing institution customer context rules where required.

Request​

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