Overview

This section describes the common data entities used across both Embedded Deposit Accounts Solutions (EDAS) and Card Issuing Sponsorship programs. These entities define the structure of core data elements to ensure consistency in integration, reporting, and compliance.

Common Data Entities

Accounts: Defines the structure for account-level data, including attributes such as account type, status, and balance. Accounts may be held by individuals or businesses.

Business: Captures information about legal entities that hold accounts. Business records may also be linked to beneficial owners.

Beneficial Ownership: Identifies individuals who own or control a business. These may include:

• Beneficial Owners
• Control Persons
• Natural Authorized Persons

This information supports anti-money laundering (AML) compliance under the Bank Secrecy Act.

Note: For a list of valid exemption reason values used in beneficial ownership reporting, see the Exemption Reason Values Reference.

Program-Specific Formats

For detailed file formats specific to each program, refer to:

EDAS File Specs Page

Card Issuing File Specs Page.