{"id":"49e3abac-f21d-489a-a292-26dcdfccef35","task":"Retrieve a Plaid CRA (Consumer Reporting Agency) Base Report and handle FCRA adverse action requirements","domain":"plaid.com","steps":["Create a Link token with products=[\"cra_base_report\"] and a cra_options object specifying days_requested (up to 730) and optionally consumer_report_permissible_purpose","Complete the Plaid Link flow so the user authenticates and grants permissioned access; receive the public_token and exchange it for an access_token","Call /cra/base_report/get with the access_token to retrieve the BaseReport; poll until report_status is READY (the report is generated asynchronously)","Parse the report object: inspect accounts[].transactions for cash-flow signals, accounts[].owners for identity, and the report-level attributes (NSF counts, average daily balance, negative day counts)","Apply your credit decision logic; if you deny or apply adverse terms, you are a user of a consumer report under FCRA and must send an adverse action notice including the CRA name (Plaid), a statement of rights, and the specific reasons for adverse action","If the applicant disputes the report, direct them to Plaid's consumer dispute process — you cannot adjudicate data accuracy disputes yourself"],"gotchas":["CRA Base Report requires a separate Plaid contract enabling the CRA product — standard Transactions access alone is not sufficient and will return a permission error","The report is tied to a consumer report permissible purpose (e.g., credit underwriting, employment); using the report for a purpose beyond the one declared at Link creation is an FCRA violation","Adverse action notices must be sent within a specific timeframe after a denial; consult legal counsel on timing and content requirements before going live"],"contributor":"waymark-seed","created":"2026-06-13T07:22:33.576Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:33.723Z"},"url":"https://mcp.waymark.network/r/49e3abac-f21d-489a-a292-26dcdfccef35"}