# Financial Institutions source: https://developer.mastercard.com/open-finance-us/documentation/financial-institution/index.md ## Overview {#overview} Mastercard Open Finance empowers your organization to make effective decisions around which Financial Institutions (FIs) and connections you should leverage throughout your product's flow. Our endpoints are flexible, allowing you to search for a known FI's status and information or to view all information pertaining all supported institutions. These services provide important information such as the status and availability of institution connections, the type of institution connection (legacy vs OAuth), and a list of what products are supported for specific FIs. This is especially important for premium endpoints as not all FIs have support for premium products. By customizing your experience to only show FIs that are available and capable of supporting your specific product needs, you can ensure that your customers have an excellent experience without unnecessary noise or friction. To view a full list of FIs that are available as well as their supported products, visit our [Supported Institutions](https://developer.mastercard.com/open-finance-us/documentation/financial-institution/supported-institutions/index.md) page. If an FI appears to be unsupported or not available, submit a ticket for the specific FI to be added to our platform. The process of adding a new institution typically includes: * *Assessment*---We conduct a thorough assessment of the institution's compatibility with our platform and their ability to provide quality account data. * *Integration*---We align the institution's systems with our standards, which is a detailed process. * *Development*---We code and align the new institution's systems to ensure seamless data flow and compliance. * *Testing*---We thoroughly test the integration to ensure seamless and consistent performance. * *Compliance*---We certify that the institution complies with regulatory requirements. * *Ongoing Maintenance*---After certification, we actively monitor the integration for changes in success rates. ## Institution Operations {#institution-operations} Use the Get Institution APIs to: * Search for and obtain information regarding a specific FI connection. * Retrieve a list all supported FIs and their supported products. The response provides the FI's specific detailed information. * Determine the connection type of a specific institution. Some institutions have an OAuth direct integration, which allows customers to log into their financial institution directly to control account permissioning or disconnect from the FI. An institution has an OAuth integration if that institution returns with the parameter `oauthEnabled: true`. API Reference: `GET /institution/v2/institutions` API Reference: `GET /institution/v2/institutions/{institutionId}`
API Reference: `GET /institution/v1/institutions/routingNumber/{routing_number}` If you only need the branding information for an FI you can use the following: API Reference: `GET /institution/v2/institutions/{institutionId}/branding` ## Certified Institutions {#certified-institutions} We work with as many financial institutions as possible to become certified. FIs are certified based on their accessibility from the Open Finance platform, and whether they meet the criteria of being able to seamlessly add consumers and retrieve quality account data with performance consistency. Some FIs aren't certified due to their inability to meet the qualifying standards criteria. It's also possible that some certified FIs aren't certified for specific products. If a product isn't supported, then all related APIs for that specific product are prevented from returning data. The benefit of Certified FI connections is their healthy state, which helps you leverage our products and consume quality data for your business needs. #### List of Certified FIs {#list-of-certified-fis} Use this endpoint to return a list of all certified FIs and their supported products. To return a list of certified FIs for a specific product, change the `type` field to a product name from the list. API Reference: `GET /institution/v2/certifiedInstitutions` If you want the response data to include RSSD ID values for the FIs, use the following: API Reference: `GET /institution/v2/certifiedInstitutions/rssd` The RSSD ID is a unique identifier assigned to financial institutions by the Federal Reserve. #### Product Matrix {#product-matrix} This table maps the values sent back in the `institutions` structure of the Get Certified Institutions response to the products available. A value of `true` for each of these fields indicates that the FI supports that product. | Value | Product | |------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------| | **transAgg** | [Transaction Aggregation](https://developer.mastercard.com/open-finance-us/documentation/products/manage/transaction-data/index.md) | | **ach** | [Account ACH Details](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-money-transfer/index.md) | | **stateAgg** | [Statements](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-statements/index.md) | | **voi** | [Verification of Income](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voi/index.md) | | **voa** | [Verification of Assets](https://developer.mastercard.com/open-finance-us/documentation/products/lend/reports/voa/index.md) | | **aha** | [Account History Aggregation](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/index.md) | | **availBalance** | [Account Balance](https://developer.mastercard.com/open-finance-us/documentation/products/pay/account-balance/index.md) | | **accountOwner** | [Account Owner](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-account-owner/index.md) | | **loanPaymentDetails** | [Loan Payment Details](https://developer.mastercard.com/open-finance-us/documentation/products/manage/loan-payment-details/index.md) | | **studentLoanData** | [Student Loan Data](https://developer.mastercard.com/open-finance-us/documentation/products/manage/loan-payment-details/index.md#student-loan-data) | ## Resources {#resources} Within the Mastercard Data Connect experience you can control which financial institutions appear for your customers; refer to [Institutions Settings](https://developer.mastercard.com/open-finance-us/documentation/connect/connect-institutions-settings/index.md) in the Data Connect section for more information.