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Customer Due Diligence

How to retrieve business and individual data from Finic’s API

Entity Validation

Business Registration Data

Finic validates and returns business registration data from all 50 US states. Each state has a unique data schema, so the response will vary depending on the state.

These fields will be returned for every state:

  • state - The state the business is registered in
  • file_number - The state ID of the business
  • entity_type - The name of the state the business is registered in
  • registration_date - The code of the state the business is registered in
  • officers - A list of officers for the business.
  • registered_agent - The registered agent for the business.
  • documents - A list of documents associated with the business, provided as URLs.

Any additional information will be returned as a list of key-value pairs in the business_registration.data object.

Sanctions and Watchlists

Finic will return a list of matches for individuals and businesses on sanctions lists and other watchlists. By default, all US sanctions lists below are included in the search. To restrict the search to specific lists or include non-US sanctions lists, please reach out to the Finic team.

  • us_cbp_north_korea_sanctions: CBP - North Korea Sanctions and Enforcement Actions Advisory
  • us_department_of_state_statutory: DDTC - Directorate of Defense Trade Controls - Arms Export Control Act (AECA) debarred (statutory) list
  • us_dhs_uflpa_entity_list: DHS - Department of Homeland Security - UFLPA Entity List
  • us_department_of_state_administrative: DDTC - Directorate of Defense Trade Controls - Arms Export Control Act (AECA) debarred (administrative) list
  • us_department_of_state_nonproliferation: Department of State - Nonproliferation Sanctions
  • us_dos_caatsa: CAATSA Section 231(e)
  • us_dos_cuba_restricted_list: DOS - Department of State – Cuba Restricted List
  • us_dos_section_7031: DOS - Department of State – Section 7031(c)
  • us_terrorist_exclusion_list: DOS - Department of State - Terrorist Exclusion List
  • us_department_of_treasury_non_sdn: OFAC - Department of Treasury - Non-SDN sanction list
  • us_department_of_treasury_sdn: OFAC - Department of Treasury - Specially Designated Nationals
  • us_department_of_treasury_ofac_executive_order_13959: OFAC - Department of Treasury - Executive Order 13959
  • us_department_of_treasury_ofac_31_cfr_part_587_gl_26: OFAC - Department of Treasury - 31 CFR part 587 - General License 26
  • us_department_of_treasury_ofac_31_cfr_part_587_gl_30: OFAC - Department of Treasury - 31 CFR part 587 - General License 30
  • us_department_of_treasury_ofac_31_cfr_part_587: OFAC - Department of Treasury - 31 CFR part 587
  • us_bis_denied_persons_sanction_list: BIS - Bureau of Industry and Security - Denied Persons List
  • us_bis_entity_list: BIS - Bureau of Industry and Security - Entity List
  • us_bis_unverified_list: BIS - Bureau of Industry and Security - Unverified list
  • us_meu_sanction_list: BIS - Bureau of Industry and Security - Military End User List
  • us_dod_section_1260h_ndaa: DOD - Department of Defense - Section 1260H - Chinese military companies
  • us_occ_enforcement_actions_sanction_list: OCC - Office of the Comptroller of the Currency - Enforcement Actions

PEPs

Finic’s individual entity validation APIs will also return a list matches to Politically Exposed Persons (PEPs) based on the name and gender/DOB (if available).

PEPs are categorized into one of the following categories:

  • POLITICIAN
  • JUDGE
  • BOARD_MEMBER_OF_CENTRAL_BANK
  • EXECUTIVE_AUDITOR
  • ADMINISTRATION_OFFICE_EXECUTIVE
  • MILITARY_OFFICIAL
  • EMBASSY_OFFICIAL
  • INTERNATIONAL_ORGANIZATION_OFFICIAL
  • RELATIVES_AND_CLOSE_ASSOCIATES
  • STATE_OWNED_ENTERPRISE
  • BOARD_MEMBER_OF_STATE_OWNED_ENTERPRISE
  • PROSECUTION_OFFICIAL
  • AGENCY_OFFICIAL
  • OTHER

Finic’s adverse media API will return a list of news articles that mention the business or individual, along with a match score indicating the relevance of the article to the business or individual. Finic covers 200,000+ news sources from across the web.

Bank Account Validation

Finic can validate bank account numbers and return information about whether the account is active and whether the name provided matches the account holder. The API will return a validation_code and validation_message to indicate the status of the account.

  • 1 | Open Valid - The account is active and the name provided matches the account holder.
  • 2 | Closed Invalid - The account is inactive or the name provided does not match the account holder.
  • 3 | No Information Found - The account number is not valid or the account number is not in the database.

Optionally, sending an entity object with your request will return ownership_match in the result object, which indicates whether the name of the entity sent matches the name of the account holder.

The result object will also include a risk_score value indicating the likelihood the account is illegitimate or associated with prior criminal activity.

Finic’s bank account validation is powered by JPMorgan Payments.