Contact is the model for the account owner contact information.

Identity is the model to provide account owner’s identity information.

Disclosures fields denote if the account owner falls under each category defined by FINRA rule. The client has to ask questions for the end user and the values should reflect their answers. If one of the answers is true (yes), the account goes into ACTION_REQUIRED status.

The client must present the Alpaca Account and Margin Agreements to the end user, and confirm they have read and agreed to the agreement.

This model input is optional. However, the client should make reasonable effort to obtain the trusted contact information. See more details in FINRA Notice 17-11

Only one of the following is required:

• email_address
• phone_number
• street_address

Will default to us_equity. Alpaca has the ability to update the default value upon request.

IRA Account only. A user can submit max 6 beneficiaries.

Represents additional configuration settings for an account

The configuration of the account's USD cash interest program when creating an account. If cash_interest is not provided and there is a default APR tier defined, that tier will be used. To enroll the account in a non-default APR tier, provide the cash_interest object with the desired apr_tier_name. The status should not be specified on enrollment. The response will contain a status of PENDING_CHANGE. An event showing the status change to ACTIVE will be generated when the enrollment is complete.

The account's Fully Paid Securities Lending (FPSL) configuration. To enroll the account for a market, specify the tier_id. The status should not be specified on enrollment. Currently only the US market is supported.