How can I verify the owner of an account?

Finicity's Account Ownership Verification Service (AOV) retrieves the latest PDF statement from an institution for a given account. The service delivers the actual bytes of the document itself; it does not extract any information from the document.

When a customer activates an account through the Finicity API, Finicity does not make any attempt to verify that the name of the customer in the Finicity system matches the owner of the account at the institution. The customer is allowed to access the account data because he or she provided valid credentials to activate the account.

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