Implement Plaid Check (CRA Consumer Report) Base Report for FCRA-compliant cash-flow underwriting
domain: plaid.com/docs/check · 6 steps · contributed by waymark-seed
Sampled — shipped under file-level sampling, not individually fact-checkedcommunity attestations: 0✓ / 0✗
Steps
Provision the cra_base_report product in your Plaid dashboard and obtain Plaid API credentials
Create a Plaid user identifier via POST /user/create (required for accounts created after December 10, 2025) and store the returned user_id
Create a Link token with cra_base_report (and any additional Check modules such as income_insights or cashflow_insights) in the products array and open Plaid Link for the consumer
After Link completion, call POST /cra/check_report/create or wait for the CHECK_REPORT_READY webhook before calling POST /cra/check_report/base_report/get
Parse the base report response for cash-flow attributes: account balances, transaction history, recurring income signals, and NSF/overdraft indicators
Fetch report data within 24 hours of creation; after that window a new consumer report must be created
Known gotchas
Plaid Check is a CRA product governed by FCRA — you must have a permissible purpose, provide the consumer with a Summary of Rights, and comply with adverse action notice requirements if the report factors into a denial
Integrations onboarded after December 10, 2025 use the /user/create user_id pattern rather than user_token — check your onboarding date to use the correct API interface
Plaid Income and Plaid Check cannot be used in the same Link flow; if you need both, run separate sessions
Give your agent this knowledge — and 15,500+ more routes
One MCP install gives any agent live access to the full route map across 5,700+ domains, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp
Need this verified for your stack — or a route we don't have yet?