> ## Documentation Index
> Fetch the complete documentation index at: https://docs.orum.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Account Ownership

> Determine whether the first name and/or last name or business name provided matches data tied to the bank account being verified.

## How Account Ownership Works

This third tier of verification determines whether the following provided attributes for consumer or business bank accounts matches data tied to the account being verified:

Consumer Accounts:

* First Name (required)
* Last Name (required)
* Phone Number
* SSN

Business Accounts:

* Business Name (required)
* Phone Number
* Tax ID

Users request an ownership check using the `type` parameter of the [Verify API](/api-reference/verify/post-verify-accounts).

<Warning>
  Note: Either the `person` or `business` object is required in order to run an Account Ownership via Name Match check.
</Warning>

| Enum                | Description                                                                                            |
| ------------------- | ------------------------------------------------------------------------------------------------------ |
| `status_ownership`  | This request will first make a status check before making an ownership check.                          |
| `control_ownership` | This request will make a control check in addition to a status check before making an ownership check. |

<Note>
  An ownership verification also includes an [account status verification](/guides/verify-status). Additionally, you may also include an [account control verification](/guides/verify-control).
</Note>

## Statuses

| Status        | Description                                                                                                                                                 |
| ------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `pending`     | The ownership status check request has been received and is in progress.                                                                                    |
| `full`        | The ownership status check came back as a full match, with both first and last names matching on the account or with business name matching on the account. |
| `partial`     | For consumer name match only, the ownership status check came back as a partial match, with either first or last name matching.                             |
| `not_a_match` | The ownership status check came back without any matches on first or last name or business name.                                                            |
| `not_found`   | The data for the requested bank account information was not available to check for a match.                                                                 |
| `canceled`    | The ownership status check was canceled due to an invalid account status.                                                                                   |

### Fraud Controls

<Warning>
  You will be blocked from making >5 verification requests to the same account within a 24 hour period.
</Warning>

## Example Webhook - Consumer Name Match

```json theme={null}
{
  "account": {
    "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "created_at": "2024-09-26T18:35:05.334Z",
    "updated_at": "2024-09-26T18:35:05.334Z",
    "account_number": "string",
    "routing_number": "string",
    "account_holder_name": "string",
    "email": "user@example.com",
    "type": "status_ownership",
    "person":{
      "first_name": "John",
      "first_name_match": "match",
      "last_name": "Smith",
      "last_name_match": "match",
	  "phone_number": "1234567890",
	  "phone_number_match": match
    },
    "ownership_status": "full",
    "verification_status": "pending",
    "status_reason": "blocked_account",
    "control_status": "pending",
    "debit_status": "pending",
    "debit_status_reason": "blocked_account",
    "estimated_verification_date": "2024-09-26T00:00:00.000Z"
  }
}
```

## Example Webhook - Business Name Match

```json theme={null}
{
  "account": {
    "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
    "created_at": "2024-09-26T18:35:05.334Z",
    "updated_at": "2024-09-26T18:35:05.334Z",
    "account_number": "string",
    "routing_number": "string",
    "account_holder_name": "string",
    "email": "user@example.com",
    "type": "status_ownership",
    "business":{
      "business_name": "ACME Corp",
      "business_name_match": "match",
	  "phone_number": "1234567890",
	  "phone_number_match": match
    },
    "ownership_status": "full",
    "verification_status": "pending",
    "status_reason": "blocked_account",
    "control_status": "pending",
    "debit_status": "pending",
    "debit_status_reason": "blocked_account",
    "estimated_verification_date": "2024-09-26T00:00:00.000Z"
  }
}
```