---
title: "loan_tape.updated"
method: POST
path: "loan_tape.updated"
tags: ["Event Types"]
---

# loan_tape.updated

`POST loan_tape.updated` (webhook)

Occurs when a loan tape is updated.

## Payload

- object
  - `event_type` 'loan_tape.updated', required — The type of event that occurred.
  - `token` string, required — Globally unique identifier for a loan tape
  - `financial_account_token` string, uuid, required — Globally unique identifier for a financial account
  - `date` string, date, required — Date of transactions that this loan tape covers
  - `day_of_period` integer, nullable — Day of the billing period that this loan tape covers, starting at 1
  - `created` string, date-time, required — Timestamp of when the loan tape was created
  - `updated` string, date-time, required — Timestamp of when the loan tape was updated
  - `version` integer, required — Version number of the loan tape. This starts at 1
  - `ytd_totals` StatementTotals, required
    - `payments` integer, required — Any funds transfers which affective the balance in cents
    - `payment_details` PaymentDetails — Breakdown of payments
    - `purchases` integer, required — Net card transaction volume less any cash advances in cents
    - `fees` integer, required — Volume of debit management operation transactions less any interest in cents
    - `debits` integer, required — Volume of debit management operation transactions less any interest in cents
    - `debit_details` DebitDetails — Breakdown of debits
    - `credits` integer, required — Volume of credit management operation transactions less any balance transfers in cents
    - `credit_details` CreditDetails — Breakdown of credits
    - `interest` integer, required — Interest accrued in cents
    - `cash_advances` integer, required — ATM and cashback transactions in cents
    - `balance_transfers` integer, required — Opening balance transferred from previous account in cents
  - `period_totals` StatementTotals, required
    - `payments` integer, required — Any funds transfers which affective the balance in cents
    - `payment_details` PaymentDetails — Breakdown of payments
    - `purchases` integer, required — Net card transaction volume less any cash advances in cents
    - `fees` integer, required — Volume of debit management operation transactions less any interest in cents
    - `debits` integer, required — Volume of debit management operation transactions less any interest in cents
    - `debit_details` DebitDetails — Breakdown of debits
    - `credits` integer, required — Volume of credit management operation transactions less any balance transfers in cents
    - `credit_details` CreditDetails — Breakdown of credits
    - `interest` integer, required — Interest accrued in cents
    - `cash_advances` integer, required — ATM and cashback transactions in cents
    - `balance_transfers` integer, required — Opening balance transferred from previous account in cents
  - `day_totals` StatementTotals, required
    - `payments` integer, required — Any funds transfers which affective the balance in cents
    - `payment_details` PaymentDetails — Breakdown of payments
    - `purchases` integer, required — Net card transaction volume less any cash advances in cents
    - `fees` integer, required — Volume of debit management operation transactions less any interest in cents
    - `debits` integer, required — Volume of debit management operation transactions less any interest in cents
    - `debit_details` DebitDetails — Breakdown of debits
    - `credits` integer, required — Volume of credit management operation transactions less any balance transfers in cents
    - `credit_details` CreditDetails — Breakdown of credits
    - `interest` integer, required — Interest accrued in cents
    - `cash_advances` integer, required — ATM and cashback transactions in cents
    - `balance_transfers` integer, required — Opening balance transferred from previous account in cents
  - `balances` Balances, required
    - `past_due` CategoryBalances, required
      - `interest` integer, required
      - `principal` integer, required
      - `fees` integer, required
    - `due` CategoryBalances, required
      - `interest` integer, required
      - `principal` integer, required
      - `fees` integer, required
    - `past_statements_due` CategoryBalances, required
      - `interest` integer, required
      - `principal` integer, required
      - `fees` integer, required
    - `next_statement_due` CategoryBalances, required
      - `interest` integer, required
      - `principal` integer, required
      - `fees` integer, required
  - `starting_balance` integer, required — Balance at the start of the day
  - `ending_balance` integer, required — Balance at the end of the day
  - `credit_limit` integer, required — For prepay accounts, this is the minimum prepay balance that must be maintained. For charge card accounts, this is the maximum credit balance extended by a lender
  - `available_credit` integer, required — Amount of credit available to spend in cents
  - `excess_credits` integer, required — Excess credits in the form of provisional credits, payments, or purchase refunds. If positive, the account is in net credit state with no outstanding balances. An overpayment could land an account in this state
  - `account_standing` AccountStanding, required
    - `period_state` 'STANDARD' | 'PROMO' | 'PENALTY', required
    - `period_number` integer, required — Current overall period number
    - `consecutive_minimum_payments_made` integer, required — Number of consecutive minimum payments made
    - `consecutive_minimum_payments_missed` integer, required — Number of consecutive minimum payments missed
    - `consecutive_full_payments_made` integer, required — Number of consecutive full payments made
    - `days_past_due` integer, required — Number of days past due
    - `has_grace` boolean, required — Whether the account currently has grace or not
    - `financial_account_state` FinancialAccountState, required — Information about the financial account state
      - `status` 'OPEN' | 'CLOSED' | 'SUSPENDED' | 'PENDING', required — Status of the financial account
      - `substatus` 'CHARGED_OFF_DELINQUENT' | 'CHARGED_OFF_FRAUD' | 'END_USER_REQUEST' | 'BANK_REQUEST' | 'DELINQUENT' | 'INTEREST_AND_FEES_PAUSED' — Substatus for the financial account
  - `credit_product_token` string, required — Globally unique identifier for a credit product
  - `tier` string, nullable — Interest tier to which this account belongs to
  - `payment_allocation` PaymentAllocation, required
    - `interest` integer, required — Amount allocated to interest in cents
    - `principal` integer, required — Amount allocated to principal in cents
    - `fees` integer, required — Amount allocated to fees in cents
    - `interest_details` CategoryDetails, required
      - `purchases` string, required
      - `cash_advances` string, required
      - `balance_transfers` string, required
    - `principal_details` CategoryDetails, required
      - `purchases` string, required
      - `cash_advances` string, required
      - `balance_transfers` string, required
    - `fee_details` CategoryDetails, required
      - `purchases` string, required
      - `cash_advances` string, required
      - `balance_transfers` string, required
  - `minimum_payment_balance` BalanceDetails, required
    - `amount` integer, required
    - `remaining` integer, required
  - `previous_statement_balance` BalanceDetails, required
    - `amount` integer, required
    - `remaining` integer, required
  - `interest_details` InterestDetails, required
    - `prime_rate` string, nullable, required
    - `interest_calculation_method` 'DAILY' | 'AVERAGE_DAILY', required
    - `effective_apr` CategoryDetails, required
      - `purchases` string, required
      - `cash_advances` string, required
      - `balance_transfers` string, required
    - `interest_for_period` CategoryDetails, required
      - `purchases` string, required
      - `cash_advances` string, required
      - `balance_transfers` string, required
    - `daily_balance_amounts` CategoryDetails, required
      - `purchases` string, required
      - `cash_advances` string, required
      - `balance_transfers` string, required
    - `minimum_interest_charged` integer, nullable
    - `actual_interest_charged` integer, nullable, required

## Acknowledgement `200`

Return a 200 status to indicate that the data was received successfully

---

[API](https://skmtc.net/lithic-com/apis/lithic-developer-api.md) · [All operations](https://skmtc.net/lithic-com/apis/lithic-developer-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/lithic-com/lithic-developer-api/revisions/53ab5d4e2adb/schema)