Version History

• April 21, 2026 v1 high
  Plaid updated its Developer Policy on April 21, 2026, making significant changes to how developers must manage account access and handle end user data. The policy now explicitly requires developers to designate 'Authorized Users' and maintain sole responsibility for their access to accounts and end user data. The updated terms also introduce new monitoring capabilities, clarify enforcement mechanisms, and expand the scope of what constitutes a policy violation.
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• April 19, 2026 v1 medium
  Plaid restructured its account terms to clarify the role of the Plaid Account and introduced a new Plaid Monitoring Service. The updated language shifts focus from helping you connect to third-party apps more quickly to emphasizing Plaid's direct provision of streamlined services and account monitoring. The terms now explicitly state that a Plaid Account enables Plaid to share information that third-party apps need to initiate payments to or from you, expanding the stated functional scope of the account beyond connection management.
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• April 16, 2026 v1 low
  Plaid restructured its account terms to emphasize a new direct-to-consumer Plaid Web-App monitoring service alongside its core financial account connection functionality. The updated language clarifies that a Plaid Account now enables streamlined services directly from Plaid, not just faster onboarding to third-party apps. The effective date moved from December 1, 2023 to April 14, 2026, and certain operational language around account creation and data handling was revised, though the core prohibition on fund storage and payment initiation remains unchanged.
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• April 3, 2026 v1 medium
  Initial snapshot — monitoring begins
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