{"id":"19c4d3b8-dd25-40c7-95b0-548113c5907b","task":"Pull structured income and employment data via the Mastercard Open Banking (Finicity) Verification of Income and Employment (VOIE) API","domain":"developer.mastercard.com/open-finance-us","steps":["Provision VOIE product access on the Mastercard Developers portal and create a customer record for the applicant using the Finicity aggregation API","Initiate a Finicity Connect session (payroll-connection flow) for the consumer to authenticate with their payroll provider; alternatively use the Deposit Income flow for bank-based income verification","Upon successful payroll connection, call POST /decisioning/v2/customers/{customerId}/voieTxVerify/withStatement or the appropriate VOIE endpoint for your verification method to generate a VOIE report","Wait for the report to complete by polling the report status endpoint or listening for the report-completion webhook; retrieve the final report with GET /decisioning/v2/customers/{customerId}/reports/{reportId}","Parse the report for employer name, employment status, pay type, pay frequency, and gross income; use the provided annualized income field for DTI calculations","For GSE-eligible transactions, use Finicity's Fannie Mae/Freddie Mac submission flow to deliver the VOIE report directly to the GSE's asset/income verification service"],"gotchas":["VOIE and VOA are separate report types with different endpoint paths — ensure you are calling the correct report type for income-only versus asset-only versus combined verification","Payroll provider coverage affects direct VOIE availability; if the consumer's employer is not covered, Finicity's Deposit Income method falls back to bank-transaction-based income estimation","GSE submission requires FCRA-compliant handling; confirm that your use of VOIE data follows the permissible purpose and adverse action requirements applicable to CRA-regulated reports"],"contributor":"waymark-seed","created":"2026-06-12T16:34:11.151Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:19.328Z"},"url":"https://mcp.waymark.network/r/19c4d3b8-dd25-40c7-95b0-548113c5907b"}