> ## Documentation Index
> Fetch the complete documentation index at: https://holder.docs.fiskil.dev/llms.txt
> Use this file to discover all available pages before exploring further.

# Changelog

> All the changes made to the documentations are listed here starting from 10-08-2023.

<Update label="12-02-2026 (v1.7.0)">
  ## Bank Accounts V4 Support

  Updates the response types for the Bank Accounts APIs to comply with the CDR [Bank Account Detail V4](https://consumerdatastandardsaustralia.github.io/standards/includes/obsolete/get-account-detail-v4.html) API.
  For customers who are already returning the V3 structure, we will not enable V4 on your Data Holder environment until you've informed us your API has been upgraded. The Data Holder platform will smoothly transition
  to support the V4 structure once it is available. To summarise the changes in structure:

  * `BALANCE_TRANSFER` is added as a new `lendingRateType` option
  * The type of the feature `isActivated` field has been changed from a boolean to an enum
  * `FUNDS_AVAILABLE_AFTER` has been added as a new feature type
  * `OTHER` and `UNCONSTRAINED` are added as new `repaymentType` enum values for the `loan` field and `lendingRates` elements
  * `OTHER` and `UNCONSTRAINED` are added as new `loanPurpose` enum values for the `loanPurpose` field of the `lendingRates` elements
  * `applicabilityConditions` within rate tiers is converted to an array. The `additionalValue` and `rateApplicabilityType` fields are added to the conditions as well. For reference on how to use the
    `applicabilityType` and what the appropriate use of `additionalValue` is for the type, refer to the [CDS](https://consumerdatastandardsaustralia.github.io/standards/includes/obsolete/get-account-detail-v4.html#product-amp-account-components)
  * `applicabilityConditions` is added to the root-level lending rate and deposit rate elements
  * `minimumValue` and `maximumValue` within rate tiers is changed from a number to a string
  * Removed the `VARIABLE` fee type
  * Fees and Discounts reworked significantly. Instead of specifying one of `amount`, `balanceRate`, `accruedRate`, or `transactionRate`, there is now a `feeMethodUType` and corresponding fields for determining the fee value.
    Similar changes are made to the discount structures. Refer to documentation for full reference.

  ## Deprecation of industry-specific account list APIs

  The [Banking Get Accounts](api-reference/banking/get-accounts) and [Energy Get Accounts](/api-reference/energy/get-energy-accounts) APIs have been deprecated. New integrations should use
  the [List Accounts Available For Sharing](http://localhost:3000/api-reference/cdr/auth-customer-accounts) API. This is part of an effort to unify the APIs required for authorising a consent across
  industries and jurisdictions. It also significantly simplifies the response required to complete an authorisation. The industry-specific fields were not used for the consent flow. Customers using
  the industry-specific APIs can continue to do so, without disruption.
</Update>

<Update label="06-02-2026 (v1.6.0)">
  Adds documentation for Microsoft (Entra ID) as an SSO provider for the Fiskil Console
</Update>

<Update label="07-03-2025 (v1.5.0)">
  * Adds `"open-status"` filter to Energy `Fetch Accounts for Customer` API. This parameter is required to support the CDR `Get All Accounts` API which has a filter on account open-status. Valid values are `"ALL"`, `"OPEN"`, or `"CLOSED"`. Only requested accounts with the matching open state should be returned.
</Update>

<Update label="06-08-2024 (v1.4.0)">
  * Updates customer search response "phoneNumber" field description to support SMS delivery of authentication OTP
  * Removes unnecessary fields "givenName", "familyName", "updatedAt", "address", "emailVerified", "email", and "phoneNumberVerified" from customer search response
</Update>

<Update label="06-08-2024 (v1.3.3)">
  * Clarification of banking Scheduled Payments \*\*PaymentSet.To\*\* properties. Full payee and account details should be returned with \*\*accountID\*\* and \*\*payeeID\*\* fields.
  * "Energy" tag added to energy industry endpoints.
</Update>

<Update label="05-08-2024 (v1.3.2)">
  * Adds `"is-owned"` & `"open-status"` parameters to `Obtain balances for a specified list of accounts` (POST /v1/banking/customer/ \{customerId}/accounts/balances) request
  * Adds `"is-owned"` & `"open-status"` parameters to `Obtain direct debit authorisations for a specified list of accounts` (POST /v1/banking/customer/\{customerId}/accounts/direct-debits)request
  * Adds `"is-owned"` & `"open-status"` parameters to `Obtain scheduled payments for a specified list of accounts` (POST /v1/banking/customer/\{customerId}/payments/scheduled) request
</Update>

<Update label="05-08-2024 (v1.3.1)">
  * Adds "users" property to BankingAccountDetailV3 response object in API spec
</Update>