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Consumer Template

Known Bad Actor List

Check a specific bank's known bad actor list prior to account opening.

check a specific bank's known bad actor list prior to account opening

Query a specific bank partner's Known Bad Actor List before a customer progresses through your onboarding funnel. Most often used by fintech programs complying with sponsor bank fraud prevention policy.

Published bySOLO Team
PublishedJune 15, 2026
TypeFraud Signals
Last updatedJuly 15, 2026

Inputs & Outputs

Data In

  • 101-01-1011SSN
  • GeorginaFirst Name
  • MerhomLast Name
  • (111)-101-0111Phone
  • 01/01/1991DOB
  • georgina.merhom@solo.oneEmail
  • 111.111.1.1IPv4 Address

Data Out

  • 1Bank-Specific Bad Actor Reason Code
  • YesEntity-Level Adverse Action Indicator
  • 02/25/2025Bank-Specific Bad Actor List Placement Date
  • 10001Furnisher ID
  • 0001Furnisher Federation ID
  • 02/25/2025Consortium Response Created At
  • EligibilityConsortium Response Purpose Scope
  • 12/25/2026Consortium Response Expiration Date

Steps Fulfilled

Can Do

  • Known Bad Actor Check

Cannot Do

  • Fraud ScoringDoes not replace

Checks if a new applicant is on the Known Bad Actor List at a sponsor bank or partner program.