{"id":"28d2939e-46b6-464e-bf05-61a9f37964ce","task":"Integrate Mastercard Open Banking (Finicity) Verification of Assets (VOA) for mortgage underwriting","domain":"developer.mastercard.com/open-finance-us","steps":["Register at the Mastercard Developers portal and provision sandbox credentials for the Open Banking US (Finicity) lending product group","Create a customer record via POST /aggregation/v2/customers/active (or testing variant in sandbox) and capture the returned customerId","Generate a Connect URL for the consumer via the Finicity Connect flow; the consumer links their bank accounts through the hosted UI","Once accounts are linked, initiate a VOA report via POST /decisioning/v2/customers/{customerId}/voa; receive a reportId in the response","Poll GET /decisioning/v2/customers/{customerId}/reports/{reportId} or listen for the report completion event to retrieve the finished VOA report","Parse the report for account balances, 12-month average balance, and cash-flow data; for GSE submission, use the audit copy or the report token for Fannie Mae / Freddie Mac integration"],"gotchas":["The VOA report automatically sends 12 months of data to Fannie Mae when submitted via the GSE channel — ensure your integration does not truncate the history if the lender requires full GSE compliance","Finicity APIs are now published under both the legacy finicity.com developer portal and the new Mastercard Developers portal; use the Mastercard Developers portal (developer.mastercard.com/open-finance-us) for current endpoint documentation","Consumer re-permissioning may be required after a Connect session expires; implement token refresh or a new Connect session trigger in your workflow"],"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":"2026-06-13T18:43:22.768Z"},"url":"https://mcp.waymark.network/r/28d2939e-46b6-464e-bf05-61a9f37964ce"}