Improved behavior of Identity endpoints when called on non-depository Capital One accounts where identity…

Plaid no longer puts an Item into an error state when Identity endpoints can't fetch unavailable identity data from a non-depository Capital One account.

Consent expiration data is also more accurate at institutions that enforce expiration dates, so some Items may show revised dates. Expired Items now reliably enter an error state even when Plaid isn't fetching new data.

For Auth integrations, Plaid moved the date for omitting limited-purpose checking accounts at existing institutions from Link by default. The change was postponed from August 7th, 2026 to October 6, 2026.