Report required regulatory data for credit decisionsPrivate preview

Certain platforms that use the CreditUnderwritingRecord API are subject to additional required regulatory reporting that’s mandated by regulators. If your platform is subject to this reporting, you must upload a file containing the necessary regulatory reporting data to Stripe’s Files API, then include the uploaded file’s ID in your request to report a credit decision to the CreditUnderwritingRecord API. You must provide a regulatory_reporting_file at these endpoints:

• Application-based credit decisions
• Proactive credit decisions
• (Optional, unless you’re correcting previously reported data) Corrections to existing credit decisions

Upload regulatory data to the Files API

The Files API allows you to upload files to Stripe’s servers and specify a purpose (in this case, issuing_regulatory_reporting). You must upload the file as a JSON file with this schema:

{
  "connect_account_id": "{{CONNECT_ACCOUNT_ID}}",
  "required_regulatory_reporting": {
    "marketing_channel": "email",
    "digital_native": true,
    "mailing_list_size": 12000,
    ... // and so forth where each key/value pair is a required reporting field and its value
  }
}

Fields that your platform is subject to report