# 109
source: https://developer.mastercard.com/open-finance-us/documentation/errors/error-codes/109/index.md

This occurs when a financial institution needs additional information from the end user during an add account event.

|             Title             |                                                                                                                                                                                                                                                                   Details                                                                                                                                                                                                                                                                   |
|-------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| **Aggregation Status Code**   | 109                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |
| **Remediation Category**      | Data Connect Fix                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| **HTTP Status**               | 500                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |
| **Error Type**                | Account Error                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
| **Data Connect Alert**        | Log in to {financial institution} to complete the required actions that will connect your accounts. (109)                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| **Error Message**             | User action required at financial institution. Prompt the user to login to their account directly at the institution's website and follow the instructions there. This typically means that the customer institution is requiring that they change their security information like password or security questions.                                                                                                                                                                                                                          |
| **Common Causes**             | his could be a prompt from the financial institution for the user to take a specific action during add account process. These prompts may include actions such as : * Updating customer's contact information before they attempt to add accounts * Accepting e-statements or new terms and conditions * Directing the user to login at the bank website etc. Until the end user resolves the issue, data access for certain capabilities can be limited (e.g. account owner details may not be supported) or data refresh can be impacted. |
| **Troubleshooting Steps**     | ?? Data Connect display alerts will automatically prompt the end user when they are in session to take suggested remediation action associated with this error. Best Practice: Developers may prompt the end users to log into the financial institution and take timely recommended action so that data access/refresh can be resumed.                                                                                                                                                                                                     |
| **Data Connect Fix Eligible** | Yes, the end user can resolve the issue if Data Connect Fix is enabled.                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| **Retriable by End User**     | Yes, the end user needs to take specific action as prompted by the financial institution.                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| **Access to Latest Data**     | You will be unable to access the latest data for this user's account until the end user resolves the issue.                                                                                                                                                                                                                                                                                                                                                                                                                                 |