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# Remove Account Institution Opt Out

DELETE https://api.modernfi.com/digital-banking/v1/accounts/{account_id}/institution-opt-outs/{federal_id}
Content-Type: application/json

Remove one institution, of either type, from an account sole owner's exclusions and return the account's exclusions. Removing an institution that is not excluded changes nothing. Rejected with 403 when the institution does not allow self-service exclusions or the account has more than one owner.

Reference: https://docs.modernfi.com/api-reference/accounts/institution-opt-outs/remove

## Authentication

- `Authorization` header (bearer token, required) — Bearer authentication of the form `Bearer <token>`, where token is your auth token.

## Servers

- `https://api.modernfi.com` (Production, default)
- `https://api.uat.modernfi.com` (UAT)
- `http://localhost:8000` (Local)

## Request

### Path parameters

- `account_id` (DigitalBankingV1AccountsAccountIdInstitutionOptOutsFederalIdDeleteParametersAccountId, required)
- `federal_id` (string, required) — Federal id of the excluded institution, as returned by the list call.

### Query parameters

- `id_type` (enum, optional, nullable) — Type of the account id. Must be 'institution' or 'None'.
  - Allowed values: `INSTITUTION`

### Body (application/json)

This endpoint expects a RemoveAccountInstitutionOptOutRequest.

- `submitted_by` (string, required) — Email of the user making the change, recorded in the exclusion history.

## Response

### 200

Successful Response

- `opt_outs` (list of InstitutionOptOutDetail, required) — Institutions this account's funds are excluded from: every owner's exclusions combined, ordered by federal id. Empty when nothing is excluded.
- `is_editable` (boolean, required) — True when the depositor may change these exclusions with the add and remove calls: the institution allows self-service exclusions and the account has a single owner. When false, show the exclusions read-only; the institution changes them.

## Errors

### 400 Bad Request Error

Bad Request - Invalid input or validation error

- `detail` (list of map from string to any, required)

### 401 Unauthorized Error

Unauthenticated - Invalid or missing authentication credentials

- `detail` (string, required)

### 403 Forbidden Error

Unauthorized - Insufficient permissions to access resource

- `detail` (string, required)

### 422 Unprocessable Entity Error

Validation Error

- `detail` (list of ValidationError, optional)

### 500 Internal Server Error

Internal Server Error

- `detail` (string, required)

## Types

### DigitalBankingV1AccountsAccountIdInstitutionOptOutsFederalIdDeleteParametersAccountId

- string
- string

### InstitutionOptOutDetail

- `federal_id` (string, required) — Identity of the excluded institution: `F` plus its FDIC certificate number for a bank, or `N` plus its NCUA charter number for a credit union. The letter matters, since a bank and a credit union can share a number.
- `name` (string, required) — Display name: the institution's ModernFi network name when it is a network member, its FDIC/NCUA name otherwise, or the federal id when neither resolves.
- `city` (string, required, nullable) — City of the institution's headquarters; null when the federal id does not resolve.
- `state` (string, required, nullable) — Two-letter state code of the institution's headquarters; null when the federal id does not resolve.

### ValidationError

- `loc` (list of ValidationErrorLocItems, required)
- `msg` (string, required)
- `type` (string, required)
- `input` (any, optional)
- `ctx` (ValidationErrorCtx, optional)

### ValidationErrorLocItems

- string
- integer

### ValidationErrorCtx

## Examples

**Request**

```json
{
  "submitted_by": "string"
}
```

**Response**

```json
{
  "opt_outs": [
    {
      "federal_id": "string",
      "name": "string",
      "city": "string",
      "state": "string"
    }
  ],
  "is_editable": true
}
```

**SDK Code**

```python
import requests

url = "https://api.modernfi.com/digital-banking/v1/accounts/string/institution-opt-outs/federal_id"

payload = { "submitted_by": "string" }
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.delete(url, json=payload, headers=headers)

print(response.json())
```

```javascript
const url = 'https://api.modernfi.com/digital-banking/v1/accounts/string/institution-opt-outs/federal_id';
const options = {
  method: 'DELETE',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: '{"submitted_by":"string"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.modernfi.com/digital-banking/v1/accounts/string/institution-opt-outs/federal_id"

	payload := strings.NewReader("{\n  \"submitted_by\": \"string\"\n}")

	req, _ := http.NewRequest("DELETE", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby
require 'uri'
require 'net/http'

url = URI("https://api.modernfi.com/digital-banking/v1/accounts/string/institution-opt-outs/federal_id")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Delete.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"submitted_by\": \"string\"\n}"

response = http.request(request)
puts response.read_body
```

```java
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.delete("https://api.modernfi.com/digital-banking/v1/accounts/string/institution-opt-outs/federal_id")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"submitted_by\": \"string\"\n}")
  .asString();
```

```php
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('DELETE', 'https://api.modernfi.com/digital-banking/v1/accounts/string/institution-opt-outs/federal_id', [
  'body' => '{
  "submitted_by": "string"
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp
using RestSharp;

var client = new RestClient("https://api.modernfi.com/digital-banking/v1/accounts/string/institution-opt-outs/federal_id");
var request = new RestRequest(Method.DELETE);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"submitted_by\": \"string\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = ["submitted_by": "string"] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.modernfi.com/digital-banking/v1/accounts/string/institution-opt-outs/federal_id")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "DELETE"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```