--- title: "Retrieve Liabilities data" method: POST path: "/processor/liabilities/get" tags: ["plaid"] --- # Retrieve Liabilities data `POST /processor/liabilities/get` The `/processor/liabilities/get` endpoint returns various details about a loan or credit account. Liabilities data is available primarily for US financial institutions, with some limited coverage of Canadian institutions. Currently supported account types are account type `credit` with account subtype `credit card` or `paypal`, and account type `loan` with account subtype `student` or `mortgage`. The types of information returned by Liabilities can include balances and due dates, loan terms, and account details such as original loan amount and guarantor. Data is refreshed approximately once per day; the latest data can be retrieved by calling `/processor/liabilities/get`. Note: This request may take some time to complete if `liabilities` was not specified as an initial product when creating the processor token. This is because Plaid must communicate directly with the institution to retrieve the additional data. ## Request body - ProcessorLiabilitiesGetRequest — ProcessorLiabilitiesGetRequest defines the request schema for `/processor/liabilities/get` - `client_id` string — Your Plaid API `client_id`. The `client_id` is required and may be provided either in the `PLAID-CLIENT-ID` header or as part of a request body. - `secret` string — Your Plaid API `secret`. The `secret` is required and may be provided either in the `PLAID-SECRET` header or as part of a request body. - `processor_token` string, required — The processor token obtained from the Plaid integration partner. Processor tokens are in the format: `processor--` ## Response `200` OK - ProcessorLiabilitiesGetResponse — ProcessorLiabilitiesGetResponse defines the response schema for `/processor/liabilities/get` - `account` AccountBase, required — A single account at a financial institution. - `account_id` string, required — Plaid's unique identifier for the account. This value will not change unless Plaid can't reconcile the account with the data returned by the financial institution. This may occur, for example, when the name of the account changes. If this happens a new `account_id` will be assigned to the account. The `account_id` can also change if the `access_token` is deleted and the same credentials that were used to generate that `access_token` are used to generate a new `access_token` on a later date. In that case, the new `account_id` will be different from the old `account_id`. If an account with a specific `account_id` disappears instead of changing, the account is likely closed. Closed accounts are not returned by the Plaid API. When using a CRA endpoint (an endpoint associated with Plaid Check Consumer Report, i.e. any endpoint beginning with `/cra/`), the `account_id` returned will not match the `account_id` returned by a non-CRA endpoint. Like all Plaid identifiers, the `account_id` is case sensitive. - `balances` AccountBalance, required — A set of fields describing the balance for an account. For real-time values, use `/accounts/balance/get` or `/signal/evaluate` (with a Balance-only ruleset), which are fetched live from the institution at request time. Values returned by other endpoints may be cached, or adjusted by Plaid to reflect transaction activity received since the last refresh. - `available` number, double, nullable, required — The amount of funds available to be withdrawn from the account, as determined by the financial institution. For `credit`-type accounts, the `available` balance typically equals the `limit` less the `current` balance, less any pending outflows plus any pending inflows. For `depository`-type accounts, the `available` balance typically equals the `current` balance less any pending outflows plus any pending inflows. For `depository`-type accounts, the `available` balance does not include the overdraft limit. For `investment`-type accounts (or `brokerage`-type accounts for API versions 2018-05-22 and earlier), the `available` balance is the total cash available to withdraw as presented by the institution. Note that not all institutions calculate the `available` balance. In the event that `available` balance is unavailable, Plaid will return an `available` balance value of `null`. Available balance may be cached and is not guaranteed to be up-to-date in real-time unless the value was returned by `/accounts/balance/get`, or by `/signal/evaluate` with a Balance-only ruleset. If `current` is `null` this field is guaranteed not to be `null`, unless you have opted into enabling [limited-purpose checking accounts](https://plaid.com/docs/auth/#enabling-limited-purpose-checking-accounts-for-rent-or-mortgage), which always have `null` values for both `available` and `current` balance. - `current` number, double, nullable, required — The total amount of funds in or owed by the account. For `credit`-type accounts, a positive balance indicates the amount owed; a negative amount indicates the lender owing the account holder. For `loan`-type accounts, the current balance is the principal remaining on the loan, except in the case of student loan accounts at Sallie Mae (`ins_116944`). For Sallie Mae student loans, the account's balance includes both principal and any outstanding interest. Similar to `credit`-type accounts, a positive balance is typically expected, while a negative amount indicates the lender owing the account holder. For `investment`-type accounts (or `brokerage`-type accounts for API versions 2018-05-22 and earlier), the current balance is the total value of assets as presented by the institution. Note that balance information may be cached unless the value was returned by `/accounts/balance/get` or by `/signal/evaluate` with a Balance-only ruleset; if the Item is enabled for Transactions, the balance will be at least as recent as the most recent Transaction update. If you require real-time balance information, use the `available` balance as provided by `/accounts/balance/get` or `/signal/evaluate` called with a Balance-only `ruleset_key`. When returned by `/accounts/balance/get`, this field may be `null`. When this happens, `available` is guaranteed not to be `null`, unless you have opted into enabling [limited-purpose checking accounts](https://plaid.com/docs/auth/#enabling-limited-purpose-checking-accounts-for-rent-or-mortgage), which always have `null` values for both `available` and `current` balance. - `limit` number, double, nullable, required — For `credit`-type accounts, this represents the credit limit. For `depository`-type accounts, this represents the pre-arranged overdraft limit, which is common for current (checking) accounts in Europe. In North America, this field is typically only available for `credit`-type accounts. - `iso_currency_code` string, nullable, required — The ISO-4217 currency code of the balance. Always null if `unofficial_currency_code` is non-null. - `unofficial_currency_code` string, nullable, required — The unofficial currency code associated with the balance. Always null if `iso_currency_code` is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries. See the [currency code schema](https://plaid.com/docs/api/accounts#currency-code-schema) for a full listing of supported `unofficial_currency_code`s. - `last_updated_datetime` string, date-time, nullable — Timestamp in [ISO 8601](https://en.wikipedia.org/wiki/ISO_8601) format (`YYYY-MM-DDTHH:mm:ssZ`) indicating the last time the balance was updated. This field is returned only when the institution is `ins_128026` (Capital One). - `mask` string, nullable, required — The last 2-4 alphanumeric characters of either the account's displayed mask or the account's official account number. Note that the mask may be non-unique between an Item's accounts. - `name` string, required — The name of the account, either assigned by the user or by the financial institution itself - `official_name` string, nullable, required — The official name of the account as given by the financial institution - `type` 'investment' | 'credit' | 'depository' | 'loan' | 'brokerage' | 'other', required — `investment:` Investment account. In API versions 2018-05-22 and earlier, this type is called `brokerage` instead. `credit:` Credit card `depository:` Depository account `loan:` Loan account `other:` Non-specified account type See the [Account type schema](https://plaid.com/docs/api/accounts#account-type-schema) for a full listing of account types and corresponding subtypes. - `subtype` '401a' | '401k' | '403B' | '457b' | '529' | 'auto' | 'brokerage' | 'business' | 'cash isa' | 'cash management' | 'cd' | 'checking' | 'commercial' | 'construction' | 'consumer' | 'credit card' | 'crypto exchange' | 'ebt' | 'education savings account' | 'fhsa' | 'fixed annuity' | 'gic' | 'health reimbursement arrangement' | 'home equity' | 'hsa' | 'isa' | 'ira' | 'keogh' | 'lif' | 'life insurance' | 'limited purpose checking' | 'line of credit' | 'lira' | 'loan' | 'lrif' | 'lrsp' | 'money market' | 'mortgage' | 'mutual fund' | 'non-custodial wallet' | 'non-taxable brokerage account' | 'other' | 'other insurance' | 'other annuity' | 'overdraft' | 'paypal' | 'payroll' | 'pension' | 'prepaid' | 'prif' | 'profit sharing plan' | 'qshr' | 'rdsp' | 'resp' | 'retirement' | 'rlif' | 'roth' | 'roth 401k' | 'roth 403B' | 'roth 457b' | 'roth pension' | 'roth profit sharing plan' | 'roth thrift savings plan' | 'rrif' | 'rrsp' | 'sarsep' | 'savings' | 'sep ira' | 'simple ira' | 'sipp' | 'stock plan' | 'student' | 'thrift savings plan' | 'tfsa' | 'trust' | 'ugma' | 'utma' | 'variable annuity', nullable, required — See the [Account type schema](https://plaid.com/docs/api/accounts/#account-type-schema) for a full listing of account types and corresponding subtypes. - `verification_status` 'automatically_verified' | 'pending_automatic_verification' | 'pending_manual_verification' | 'unsent' | 'manually_verified' | 'verification_expired' | 'verification_failed' | 'database_matched' | 'database_insights_pass' | 'database_insights_pass_with_caution' | 'database_insights_fail' — Indicates an Item's micro-deposit-based verification or database verification status. This field is only populated when using Auth and falling back to micro-deposit or database verification. Possible values are: `pending_automatic_verification`: The Item is pending automatic verification. `pending_manual_verification`: The Item is pending manual micro-deposit verification. Items remain in this state until the user successfully verifies the code. `automatically_verified`: The Item has successfully been automatically verified. `manually_verified`: The Item has successfully been manually verified. `verification_expired`: Plaid was unable to automatically verify the deposit within 7 calendar days and will no longer attempt to validate the Item. Users may retry by submitting their information again through Link. `verification_failed`: The Item failed manual micro-deposit verification because the user exhausted all 3 verification attempts. Users may retry by submitting their information again through Link. `unsent`: The Item is pending micro-deposit verification, but Plaid has not yet sent the micro-deposit. `database_insights_fail`: The Item's numbers have been verified using Plaid's data sources and have signal for being invalid and/or have no signal for being valid. Typically this indicates that the routing number is invalid, the account number does not match the account number format associated with the routing number, or the account has been reported as closed or frozen. Only returned for Auth Items created via Database Auth. `database_insights_pass`: The Item's numbers have been verified using Plaid's data sources: the routing and account number match a routing and account number of an account recognized on the Plaid network, and the account is not known by Plaid to be frozen or closed. Only returned for Auth Items created via Database Auth. `database_insights_pass_with_caution`: The Item's numbers have been verified using Plaid's data sources and have some signal for being valid: the routing and account number were not recognized on the Plaid network, but the routing number is valid and the account number is a potential valid account number for that routing number. Only returned for Auth Items created via Database Auth. `database_matched`: (deprecated) The Item has successfully been verified using Plaid's data sources. Only returned for Auth Items created via Database Match. `null` or empty string: Neither micro-deposit-based verification nor database verification are being used for the Item. - `verification_name` string — The account holder name that was used for micro-deposit and/or database verification. Only returned for Auth Items created via micro-deposit or database verification. This name was manually-entered by the user during Link, unless it was otherwise provided via the `user.legal_name` request field in `/link/token/create` for the Link session that created the Item. - `verification_insights` AccountVerificationInsights — Insights from performing database verification for the account. Only returned for Auth Items using Database Auth. - `name_match_score` integer, nullable — Indicates the score of the name match between the given name provided during database verification (available in the [`verification_name`](https://plaid.com/docs/api/products/auth/#auth-get-response-accounts-verification-name) field if using standard Database Auth, or provided in the request if using `/auth/verify`) and matched Plaid network accounts. If defined, will be a value between 0 and 100. Will be undefined if name matching was not enabled for the database verification session or if there were no eligible Plaid network matches to compare the given name with. - `network_status` AccountVerificationInsightsNetworkStatus, required — Status information about the account and routing number in the Plaid network. - `has_numbers_match` boolean, required — Indicates whether we found at least one matching account for the ACH account and routing number. - `is_numbers_match_verified` boolean, required — Indicates if at least one matching account for the ACH account and routing number is already verified. - `previous_returns` AccountVerificationInsightsPreviousReturns — Information about known ACH returns for the account and routing number. - `has_previous_administrative_return` boolean, required — Indicates whether Plaid's data sources include a known administrative ACH return for this account and routing number. - `account_number_format` 'valid' | 'invalid' | 'unknown', required — Indicator of account number format validity for institution. `valid`: indicates that the account number has a correct format for the institution. `invalid`: indicates that the account number has an incorrect format for the institution. `unknown`: indicates that there was not enough information to determine whether the format is correct for the institution. - `persistent_account_id` string — A unique and persistent identifier for accounts that can be used to trace multiple instances of the same account across different Items for depository accounts. This field is currently supported only for Items at institutions that use Tokenized Account Numbers (i.e., Chase, PNC, and US Bank). Because these accounts have a different account number each time they are linked, this field may be used instead of the account number to uniquely identify an account across multiple Items for payments use cases, helping to reduce duplicate Items or attempted fraud. In Sandbox, this field is populated for TAN-based institutions (`ins_56`, `ins_13`, `ins_127990`) as well as the OAuth Sandbox institution (`ins_127287`); in Production, it will only be populated for accounts at applicable institutions. - `holder_category` 'business' | 'personal' | 'unrecognized', nullable — Indicates the account's categorization as either a personal or a business account. This field is currently in beta; to request access, contact your account manager. - `liabilities` LiabilitiesObject, required — An object containing liability accounts - `credit` CreditCardLiability[], nullable, required — The credit accounts returned. - `account_id` string, nullable, required — The ID of the account that this liability belongs to. - `aprs` APR[], required — The various interest rates that apply to the account. APR information is not provided by all card issuers; if APR data is not available, this array will be empty. - `apr_percentage` number, double, required — Annual Percentage Rate applied. - `apr_type` 'balance_transfer_apr' | 'cash_apr' | 'purchase_apr' | 'special', required — The type of balance to which the APR applies. - `balance_subject_to_apr` number, double, nullable, required — Amount of money that is subjected to the APR if a balance was carried beyond payment due date. How it is calculated can vary by card issuer. It is often calculated as an average daily balance. - `interest_charge_amount` number, double, nullable, required — Amount of money charged due to interest from last statement. - `is_overdue` boolean, nullable, required — true if a payment is currently overdue. Availability for this field is limited. - `last_payment_amount` number, double, nullable, required — The amount of the last payment. - `last_payment_date` string, date, nullable, required — The date of the last payment. Dates are returned in an [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). Availability for this field is limited. - `last_statement_issue_date` string, date, nullable, required — The date of the last statement. Dates are returned in an [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). - `last_statement_balance` number, double, nullable, required — The total amount owed as of the last statement issued - `minimum_payment_amount` number, double, nullable, required — The minimum payment due for the next billing cycle. - `next_payment_due_date` string, date, nullable, required — The due date for the next payment. The due date is `null` if a payment is not expected. Dates are returned in an [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). - `mortgage` MortgageLiability[], nullable, required — The mortgage accounts returned. - `account_id` string, required — The ID of the account that this liability belongs to. - `account_number` string, nullable, required — The account number of the loan. - `current_late_fee` number, double, nullable, required — The current outstanding amount charged for late payment. - `escrow_balance` number, double, nullable, required — Total amount held in escrow to pay taxes and insurance on behalf of the borrower. - `has_pmi` boolean, nullable, required — Indicates whether the borrower has private mortgage insurance in effect. - `has_prepayment_penalty` boolean, nullable, required — Indicates whether the borrower will pay a penalty for early payoff of mortgage. - `interest_rate` MortgageInterestRate, required — Object containing metadata about the interest rate for the mortgage. - `percentage` number, double, nullable, required — Percentage value (interest rate of current mortgage, not APR) of interest payable on a loan. - `type` string, nullable, required — The type of interest charged (fixed or variable). - `last_payment_amount` number, double, nullable, required — The amount of the last payment. - `last_payment_date` string, date, nullable, required — The date of the last payment. Dates are returned in an [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). - `loan_type_description` string, nullable, required — Description of the type of loan, for example `conventional`, `fixed`, or `variable`. This field is provided directly from the loan servicer and does not have an enumerated set of possible values. - `loan_term` string, nullable, required — Full duration of mortgage as at origination (e.g. `10 year`). - `maturity_date` string, date, nullable, required — Original date on which mortgage is due in full. Dates are returned in an [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). - `next_monthly_payment` number, double, nullable, required — The amount of the next payment. - `next_payment_due_date` string, date, nullable, required — The due date for the next payment. Dates are returned in an [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). - `origination_date` string, date, nullable, required — The date on which the loan was initially lent. Dates are returned in an [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). - `origination_principal_amount` number, double, nullable, required — The original principal balance of the mortgage. - `past_due_amount` number, double, nullable, required — Amount of loan (principal + interest) past due for payment. - `property_address` MortgagePropertyAddress, required — Object containing fields describing property address. - `city` string, nullable, required — The city name. - `country` string, nullable, required — The ISO 3166-1 alpha-2 country code. - `postal_code` string, nullable, required — The five or nine digit postal code. - `region` string, nullable, required — The region or state (example "NC"). - `street` string, nullable, required — The full street address (example "564 Main Street, Apt 15"). - `ytd_interest_paid` number, double, nullable, required — The year to date (YTD) interest paid. - `ytd_principal_paid` number, double, nullable, required — The YTD principal paid. - `student` StudentLoan[], nullable, required — The student loan accounts returned. - `account_id` string, nullable, required — The ID of the account that this liability belongs to. Each account can only contain one liability. - `account_number` string, nullable, required — The account number of the loan. For some institutions, this may be a masked version of the number (e.g., the last 4 digits instead of the entire number). - `disbursement_dates` string[], nullable, required — The dates on which loaned funds were disbursed or will be disbursed. These are often in the past. Dates are returned in an [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). - `expected_payoff_date` string, date, nullable, required — The date when the student loan is expected to be paid off. Availability for this field is limited. Dates are returned in an [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). - `guarantor` string, nullable, required — The guarantor of the student loan. - `interest_rate_percentage` number, double, required — The interest rate on the loan as a percentage. - `is_overdue` boolean, nullable, required — `true` if a payment is currently overdue. Availability for this field is limited. - `last_payment_amount` number, double, nullable, required — The amount of the last payment. - `last_payment_date` string, date, nullable, required — The date of the last payment. Dates are returned in an [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). - `last_statement_balance` number, double, nullable — The total amount owed as of the last statement issued - `last_statement_issue_date` string, date, nullable, required — The date of the last statement. Dates are returned in an [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). - `loan_name` string, nullable, required — The type of loan, e.g., "Consolidation Loans". - `loan_status` StudentLoanStatus, required — An object representing the status of the student loan - `end_date` string, date, nullable, required — The date until which the loan will be in its current status. Dates are returned in an [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). - `type` 'cancelled' | 'charged off' | 'claim' | 'consolidated' | 'deferment' | 'delinquent' | 'discharged' | 'extension' | 'forbearance' | 'in grace' | 'in military' | 'in school' | 'not fully disbursed' | 'other' | 'paid in full' | 'refunded' | 'repayment' | 'transferred' | 'pending idr', nullable, required — The status type of the student loan - `minimum_payment_amount` number, double, nullable, required — The minimum payment due for the next billing cycle. There are some exceptions: Some institutions require a minimum payment across all loans associated with an account number. Our API presents that same minimum payment amount on each loan. The institutions that do this are: Great Lakes ( `ins_116861`), Firstmark (`ins_116295`), Commonbond Firstmark Services (`ins_116950`), Granite State (`ins_116308`), and Oklahoma Student Loan Authority (`ins_116945`). Firstmark (`ins_116295` ) and Navient (`ins_116248`) will display as $0 if there is an autopay program in effect. - `next_payment_due_date` string, date, nullable, required — The due date for the next payment. The due date is `null` if a payment is not expected. A payment is not expected if `loan_status.type` is `deferment`, `in school`, `consolidated`, `paid in full`, or `transferred`. Dates are returned in an [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). - `origination_date` string, date, nullable, required — The date on which the loan was initially lent. Dates are returned in an [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). - `origination_principal_amount` number, double, nullable, required — The original principal balance of the loan. - `outstanding_interest_amount` number, double, nullable, required — The total dollar amount of the accrued interest balance. For Sallie Mae ( `ins_116944`), this amount is included in the current balance of the loan, so this field will return as `null`. - `payment_reference_number` string, nullable, required — The relevant account number that should be used to reference this loan for payments. In the majority of cases, `payment_reference_number` will match `account_number`, but in some institutions, such as Great Lakes (`ins_116861`), it will be different. - `pslf_status` PSLFStatus, required — Information about the student's eligibility in the Public Service Loan Forgiveness program. This is only returned if the institution is FedLoan (`ins_116527`). Since FedLoan no longer services student loans, this field is no longer returned. - `estimated_eligibility_date` string, date, nullable, required — The estimated date borrower will have completed 120 qualifying monthly payments. Returned in [ISO 8601](https://wikipedia.org/wiki/ISO_8601) format (YYYY-MM-DD). - `payments_made` integer, nullable, required — The number of qualifying payments that have been made. - `payments_remaining` integer, nullable, required — The number of qualifying payments remaining. - `repayment_plan` StudentRepaymentPlan, required — An object representing the repayment plan for the student loan - `description` string, nullable, required — The description of the repayment plan as provided by the servicer. - `type` 'extended graduated' | 'extended standard' | 'graduated' | 'income-contingent repayment' | 'income-based repayment' | 'income-sensitive repayment' | 'interest only' | 'other' | 'pay as you earn' | 'revised pay as you earn' | 'standard' | 'saving on a valuable education' | 'null', nullable, required — The type of the repayment plan. - `sequence_number` string, nullable, required — The sequence number of the student loan. Heartland ECSI (`ins_116948`) does not make this field available. - `servicer_address` ServicerAddressData, required — The address of the student loan servicer. This is generally the remittance address to which payments should be sent. - `city` string, nullable, required — The full city name - `region` string, nullable, required — The region or state Example: `"NC"` - `street` string, nullable, required — The full street address Example: `"564 Main Street, APT 15"` - `postal_code` string, nullable, required — The postal code - `country` string, nullable, required — The ISO 3166-1 alpha-2 country code - `ytd_interest_paid` number, double, nullable, required — The year to date (YTD) interest paid. Availability for this field is limited. - `ytd_principal_paid` number, double, nullable, required — The year to date (YTD) principal paid. Availability for this field is limited. - `request_id` string, required — A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive. ## Other responses - `default` — Error response --- [API](https://skmtc.net/plaid/apis/the-plaid-api.md) · [All operations](https://skmtc.net/plaid/apis/the-plaid-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/plaid/the-plaid-api/versions/64c4514ea59b/schema)