diff --git a/finicity-ruby.gemspec b/finicity-ruby.gemspec
index f4ba68d..996e4bd 100644
--- a/finicity-ruby.gemspec
+++ b/finicity-ruby.gemspec
@@ -23,7 +23,7 @@ Gem::Specification.new do |spec|
   spec.required_rubygems_version = ">= 2.0.0"
 
   spec.add_runtime_dependency "hashie", "~> 3.4.4"
-  spec.add_runtime_dependency "httparty", "~> 0.14.0"
+  spec.add_runtime_dependency "httparty", "~> 0.18.0"
   spec.add_runtime_dependency "redis", "~> 3.3.1"
   spec.add_runtime_dependency "activesupport"
 
diff --git a/lib/finicity-ruby.rb b/lib/finicity-ruby.rb
index 560e16c..67d152e 100644
--- a/lib/finicity-ruby.rb
+++ b/lib/finicity-ruby.rb
@@ -38,4 +38,8 @@ class LoadHistoricTxnError < StandardError; end
   # Description: Missing Parameter
   # Required Action: A required field was left blank, Submit the request again, with valid text
   MISSING_PARAMS_CODES = [10_005].freeze
+
+  # Description: Account details not found
+  # Required Action: Nothing. This is an informational message.
+  ACCOUNT_DETAILS_NOT_FOUND = [38_008].freeze
 end
diff --git a/lib/finicity/fetchers/base.rb b/lib/finicity/fetchers/base.rb
index b2472b8..eefe680 100644
--- a/lib/finicity/fetchers/base.rb
+++ b/lib/finicity/fetchers/base.rb
@@ -5,7 +5,7 @@ module Fetchers
     class Base
       include HTTParty
 
-      base_uri "https://api.finicity.com/aggregation"
+      base_uri "https://api.finicity.com/"
       headers "Content-Type" => "application/json"
       headers "Accept" => "application/json"
       headers "Finicity-App-Key" => Finicity.configs.app_key
@@ -69,7 +69,7 @@ def server_error?(response)
 
         def other_content_type?(response)
           content_type = response.headers["Content-Type"]&.downcase
-          content_type.present? && content_type != "application/json"
+          content_type.present? && !content_type.include?("application/json")
         end
 
         def default_headers
diff --git a/lib/finicity/fetchers/token.rb b/lib/finicity/fetchers/token.rb
index fd8275d..f7f6ff3 100644
--- a/lib/finicity/fetchers/token.rb
+++ b/lib/finicity/fetchers/token.rb
@@ -21,7 +21,7 @@ def refresh
         protected
 
         def fetch_new_one
-          endpoint = "/v2/partners/authentication"
+          endpoint = "/aggregation/v2/partners/authentication"
           body = {
             partner_id: Finicity.configs.partner_id,
             partner_secret: Finicity.configs.partner_secret
diff --git a/lib/finicity/resources/account.rb b/lib/finicity/resources/account.rb
index 96deb11..1a74114 100644
--- a/lib/finicity/resources/account.rb
+++ b/lib/finicity/resources/account.rb
@@ -2,14 +2,14 @@ module Finicity
   module Resources
     class Account < Base
       def add_all(institution_id, credentials)
-        endpoint = "/v1/customers/#{customer_id}/institutions/#{institution_id}/accounts/addall"
+        endpoint = "/aggregation/v1/customers/#{customer_id}/institutions/#{institution_id}/accounts/addall"
         body = { credentials: credentials }
 
         request(:post, endpoint, body: body)
       end
 
       def add_all_mfa(institution_id, mfa_session, questions)
-        endpoint = "/v1/customers/#{customer_id}/institutions/#{institution_id}/accounts/addall/mfa"
+        endpoint = "/aggregation/v1/customers/#{customer_id}/institutions/#{institution_id}/accounts/addall/mfa"
         body = { mfa_challenges: { questions: questions } }
         headers = { "MFA-Session" => mfa_session }
 
@@ -17,25 +17,25 @@ def add_all_mfa(institution_id, mfa_session, questions)
       end
 
       def list
-        endpoint = "/v1/customers/#{customer_id}/accounts"
+        endpoint = "/aggregation/v1/customers/#{customer_id}/accounts"
 
         request(:get, endpoint)
       end
 
       def activate(institution_id, accounts)
-        endpoint = "/v2/customers/#{customer_id}/institutions/#{institution_id}/accounts"
+        endpoint = "/aggregation/v2/customers/#{customer_id}/institutions/#{institution_id}/accounts"
 
         request(:put, endpoint, body: { accounts: accounts })
       end
 
       def refresh(institution_login_id)
-        endpoint = "/v1/customers/#{customer_id}/institutionLogins/#{institution_login_id}/accounts"
+        endpoint = "/aggregation/v1/customers/#{customer_id}/institutionLogins/#{institution_login_id}/accounts"
 
         request(:post, endpoint)
       end
 
       def refresh_mfa(institution_login_id, mfa_session, questions)
-        endpoint = "/v1/customers/#{customer_id}/institutionLogins/#{institution_login_id}/accounts/mfa"
+        endpoint = "/aggregation/v1/customers/#{customer_id}/institutionLogins/#{institution_login_id}/accounts/mfa"
 
         body =  { questions: questions }
         headers = { "MFA-Session" => mfa_session }
@@ -44,29 +44,44 @@ def refresh_mfa(institution_login_id, mfa_session, questions)
       end
 
       def get(account_id)
-        endpoint = "/v1/customers/#{customer_id}/accounts/#{account_id}"
+        endpoint = "/aggregation/v1/customers/#{customer_id}/accounts/#{account_id}"
 
         request(:get, endpoint)
       end
 
       def delete(account_id)
-        endpoint = "/v1/customers/#{customer_id}/accounts/#{account_id}"
+        endpoint = "/aggregation/v1/customers/#{customer_id}/accounts/#{account_id}"
 
         request(:delete, endpoint)
       end
 
       def credentials(account_id)
-        endpoint = "/v1/customers/#{customer_id}/accounts/#{account_id}/loginForm"
+        endpoint = "/aggregation/v1/customers/#{customer_id}/accounts/#{account_id}/loginForm"
 
         request(:get, endpoint)
       end
 
       def update_credentials(institution_login_id, credentials)
-        endpoint = "/v1/customers/#{customer_id}/institutionLogins/#{institution_login_id}"
+        endpoint = "/aggregation/v1/customers/#{customer_id}/institutionLogins/#{institution_login_id}"
         body = { login_form: credentials }
 
         request(:put, endpoint, body: body)
       end
+
+      def owner_verification(account_id)
+        endpoint = "/decisioning/v1/customers/#{customer_id}/accounts/#{account_id}/owner"
+
+        request(:get, endpoint)
+      end
+
+      def owner_verification_mfa(account_id, mfa_session, questions)
+        endpoint = "/decisioning/v1/customers/#{customer_id}/accounts/#{account_id}/owner/mfa"
+
+        body = { questions: questions }
+        headers = { "MFA-Session" => mfa_session }
+
+        request(:post, endpoint, body: body, headers: headers)
+      end
     end
   end
 end
diff --git a/lib/finicity/resources/customer.rb b/lib/finicity/resources/customer.rb
index ba3057d..5be3e52 100644
--- a/lib/finicity/resources/customer.rb
+++ b/lib/finicity/resources/customer.rb
@@ -2,21 +2,21 @@ module Finicity
   module Resources
     class Customer < Base
       def self.add(username)
-        endpoint = "/v1/customers/#{Finicity.configs.app_type}"
+        endpoint = "/aggregation/v1/customers/#{Finicity.configs.app_type}"
         body = { username: username }
 
         request(:post, endpoint, body: body)
       end
 
       def self.list(query = {})
-        endpoint = "/v1/customers"
+        endpoint = "/aggregation/v1/customers"
         query = { query: query } if query.present?
 
         request(:get, endpoint, query)
       end
 
       def delete
-        endpoint = "/v1/customers/#{customer_id}"
+        endpoint = "/aggregation/v1/customers/#{customer_id}"
 
         request(:delete, endpoint)
       end
diff --git a/lib/finicity/resources/institution.rb b/lib/finicity/resources/institution.rb
index fd2dac3..1a9cd4e 100644
--- a/lib/finicity/resources/institution.rb
+++ b/lib/finicity/resources/institution.rb
@@ -2,14 +2,14 @@ module Finicity
   module Resources
     class Institution < Base
       def self.list(query = {})
-        endpoint = "/v1/institutions"
+        endpoint = "/aggregation/v1/institutions"
         query = { query: query } if query.present?
 
         request(:get, endpoint, query)
       end
 
       def self.get(institution_id)
-        endpoint = "/v1/institutions/#{institution_id}/details"
+        endpoint = "/aggregation/v1/institutions/#{institution_id}/details"
 
         request(:get, endpoint)
       end
diff --git a/lib/finicity/resources/transaction.rb b/lib/finicity/resources/transaction.rb
index a41d2fc..2182943 100644
--- a/lib/finicity/resources/transaction.rb
+++ b/lib/finicity/resources/transaction.rb
@@ -2,27 +2,27 @@ module Finicity
   module Resources
     class Transaction < Base
       def list(from:, to:, params: {})
-        endpoint = "/v3/customers/#{customer_id}/transactions"
+        endpoint = "/aggregation/v3/customers/#{customer_id}/transactions"
         query = { from_date: from.to_time.to_i, to_date: to.to_time.to_i }.merge(params)
 
         request(:get, endpoint, query: query)
       end
 
       def list_for_account(account_id, from:, to:, params: {})
-        endpoint = "/v3/customers/#{customer_id}/accounts/#{account_id}/transactions"
+        endpoint = "/aggregation/v3/customers/#{customer_id}/accounts/#{account_id}/transactions"
         query = { from_date: from.to_time.to_i, to_date: to.to_time.to_i }.merge(params)
 
         request(:get, endpoint, query: query)
       end
 
       def load_historic(account_id)
-        endpoint = "/v1/customers/#{customer_id}/accounts/#{account_id}/transactions/historic"
+        endpoint = "/aggregation/v1/customers/#{customer_id}/accounts/#{account_id}/transactions/historic"
 
         request(:post, endpoint)
       end
 
       def load_historic_mfa(account_id, mfa_session, questions)
-        endpoint = "/v1/customers/#{customer_id}/accounts/#{account_id}/transactions/historic/mfa"
+        endpoint = "/aggregation/v1/customers/#{customer_id}/accounts/#{account_id}/transactions/historic/mfa"
         headers = { "MFA-Session" => mfa_session }
         body = { questions: questions }
 
diff --git a/lib/finicity/version.rb b/lib/finicity/version.rb
index b249285..1cc169c 100644
--- a/lib/finicity/version.rb
+++ b/lib/finicity/version.rb
@@ -1,3 +1,3 @@
 module Finicity
-  VERSION = "1.2.0".freeze
+  VERSION = "1.2.1".freeze
 end
diff --git a/spec/finicity/fetchers/api_spec.rb b/spec/finicity/fetchers/api_spec.rb
index 3a87bbd..b860833 100644
--- a/spec/finicity/fetchers/api_spec.rb
+++ b/spec/finicity/fetchers/api_spec.rb
@@ -2,7 +2,7 @@
 
 describe Finicity::Fetchers::API do
   let(:method) { :get }
-  let(:endpoint) { "/v1/customers/895786124/accounts" }
+  let(:endpoint) { "/aggregation/v1/customers/895786124/accounts" }
   let(:response1) { double(:response, body: { code: code }, headers: headers, code: status_code, success?: true) }
   let(:response2) { response1 }
   let(:headers) { { "Content-Type" => "application/json" } }
diff --git a/spec/finicity/fetchers/base_spec.rb b/spec/finicity/fetchers/base_spec.rb
index 00c3752..ea6cb9c 100644
--- a/spec/finicity/fetchers/base_spec.rb
+++ b/spec/finicity/fetchers/base_spec.rb
@@ -2,7 +2,7 @@
 
 describe Finicity::Fetchers::Base do
   let(:method) { :post }
-  let(:endpoint) { "/v1/customers" }
+  let(:endpoint) { "/aggregation/v1/customers" }
   let(:opts) { { body: request_body, headers: request_headers, query: query } }
   let(:request_body) { { customer: { username: "Batman", first_name: "Bruce", last_name: "Wayne" } } }
   let(:request_headers) { { "Custom-Header" => "1294854" } }
diff --git a/spec/finicity/fetchers/token_spec.rb b/spec/finicity/fetchers/token_spec.rb
index f2d81a2..19aaf1a 100644
--- a/spec/finicity/fetchers/token_spec.rb
+++ b/spec/finicity/fetchers/token_spec.rb
@@ -51,7 +51,7 @@
     context "successful response" do
       let(:success) { true }
       let(:method) { :post }
-      let(:endpoint) { "/v2/partners/authentication" }
+      let(:endpoint) { "/aggregation/v2/partners/authentication" }
       let(:body) { { partner_id: configs.partner_id, partner_secret: configs.partner_secret } }
 
       before { subject }
diff --git a/spec/finicity/resources/account_spec.rb b/spec/finicity/resources/account_spec.rb
index 40b5be6..8c9fa25 100644
--- a/spec/finicity/resources/account_spec.rb
+++ b/spec/finicity/resources/account_spec.rb
@@ -15,7 +15,7 @@
   describe "#add_all" do
     let(:credentials) { [{ name: "username", value: "house" }, { name: "password", value: "pass" }] }
     let(:method) { :post }
-    let(:endpoint) { "/v1/customers/#{customer_id}/institutions/#{institution_id}/accounts/addall" }
+    let(:endpoint) { "/aggregation/v1/customers/#{customer_id}/institutions/#{institution_id}/accounts/addall" }
     let(:body) { { credentials: credentials } }
 
     before { subject.add_all(institution_id, credentials) }
@@ -27,7 +27,7 @@
     let(:mfa_session) { "14rEngx9aNpw39Qenf" }
     let(:questions) { [{ text: "small world?", answer: "sure" }] }
     let(:method) { :post }
-    let(:endpoint) { "/v1/customers/#{customer_id}/institutions/#{institution_id}/accounts/addall/mfa" }
+    let(:endpoint) { "/aggregation/v1/customers/#{customer_id}/institutions/#{institution_id}/accounts/addall/mfa" }
     let(:body) { { mfa_challenges: { questions: questions } } }
     let(:headers) { { "MFA-Session" => mfa_session } }
 
@@ -38,7 +38,7 @@
 
   describe "#list" do
     let(:method) { :get }
-    let(:endpoint) { "/v1/customers/#{customer_id}/accounts" }
+    let(:endpoint) { "/aggregation/v1/customers/#{customer_id}/accounts" }
 
     before { subject.list }
 
@@ -47,7 +47,7 @@
 
   describe "#activate" do
     let(:method) { :put }
-    let(:endpoint) { "/v2/customers/#{customer_id}/institutions/#{institution_id}/accounts" }
+    let(:endpoint) { "/aggregation/v2/customers/#{customer_id}/institutions/#{institution_id}/accounts" }
     let(:accounts) { [{ id: 12, type: :loan }] }
     let(:body) { { accounts: accounts } }
 
@@ -58,7 +58,7 @@
 
   describe "#refresh" do
     let(:method) { :post }
-    let(:endpoint) { "/v1/customers/#{customer_id}/institutionLogins/#{institution_login_id}/accounts" }
+    let(:endpoint) { "/aggregation/v1/customers/#{customer_id}/institutionLogins/#{institution_login_id}/accounts" }
 
     before { subject.refresh(institution_login_id) }
 
@@ -69,7 +69,7 @@
     let(:mfa_session) { "14rEngx9aNpw39Qenf" }
     let(:questions) { [{ text: "after all this time?", answer: "always" }] }
     let(:method) { :post }
-    let(:endpoint) { "/v1/customers/#{customer_id}/institutionLogins/#{institution_login_id}/accounts/mfa" }
+    let(:endpoint) { "/aggregation/v1/customers/#{customer_id}/institutionLogins/#{institution_login_id}/accounts/mfa" }
     let(:body) { { questions: questions } }
     let(:headers) { { "MFA-Session" => mfa_session } }
 
@@ -80,7 +80,7 @@
 
   describe "#get" do
     let(:method) { :get }
-    let(:endpoint) { "/v1/customers/#{customer_id}/accounts/#{account_id}" }
+    let(:endpoint) { "/aggregation/v1/customers/#{customer_id}/accounts/#{account_id}" }
 
     before { subject.get(account_id) }
 
@@ -89,7 +89,7 @@
 
   describe "#delete" do
     let(:method) { :delete }
-    let(:endpoint) { "/v1/customers/#{customer_id}/accounts/#{account_id}" }
+    let(:endpoint) { "/aggregation/v1/customers/#{customer_id}/accounts/#{account_id}" }
 
     before { subject.delete(account_id) }
 
@@ -98,7 +98,7 @@
 
   describe "#credentials" do
     let(:method) { :get }
-    let(:endpoint) { "/v1/customers/#{customer_id}/accounts/#{account_id}/loginForm" }
+    let(:endpoint) { "/aggregation/v1/customers/#{customer_id}/accounts/#{account_id}/loginForm" }
 
     before { subject.credentials(account_id) }
 
@@ -107,7 +107,7 @@
 
   describe "#update_credentials" do
     let(:method) { :put }
-    let(:endpoint) { "/v1/customers/#{customer_id}/institutionLogins/#{institution_login_id}" }
+    let(:endpoint) { "/aggregation/v1/customers/#{customer_id}/institutionLogins/#{institution_login_id}" }
     let(:credentials) { [{ name: "username", value: "house" }, { name: "password", value: "pass" }] }
     let(:body) { { login_form: credentials } }
 
@@ -115,4 +115,26 @@
 
     it { expect(api_fetcher).to have_received(:request).with(method, endpoint, body: body) }
   end
+
+  describe "#owner_verification" do
+    let(:method) { :get }
+    let(:endpoint) { "/decisioning/v1/customers/#{customer_id}/accounts/#{account_id}/owner" }
+
+    before { subject.owner_verification(account_id) }
+
+    it { expect(api_fetcher).to have_received(:request).with(method, endpoint) }
+  end
+
+  describe "#owner_verification_mfa" do
+    let(:method) { :post }
+    let(:mfa_session) { "14rEngx9aNpw39Qenf" }
+    let(:questions) { [{ text: "small world?", answer: "sure" }] }
+    let(:endpoint) { "/decisioning/v1/customers/#{customer_id}/accounts/#{account_id}/owner/mfa" }
+    let(:body) { { questions: questions } }
+    let(:headers) { { "MFA-Session" => mfa_session } }
+
+    before { subject.owner_verification_mfa(account_id, mfa_session, questions) }
+
+    it { expect(api_fetcher).to have_received(:request).with(method, endpoint, body: body, headers: headers) }
+  end
 end
diff --git a/spec/finicity/resources/customer_spec.rb b/spec/finicity/resources/customer_spec.rb
index 23674a1..d8ccb39 100644
--- a/spec/finicity/resources/customer_spec.rb
+++ b/spec/finicity/resources/customer_spec.rb
@@ -8,7 +8,7 @@
   describe ".add" do
     let(:username) { "3137023c8d12" }
     let(:method) { :post }
-    let(:endpoint) { "/v1/customers/testing" }
+    let(:endpoint) { "/aggregation/v1/customers/testing" }
     let(:body) { { username: username } }
     let(:configs) { double(:configs, app_type: :testing) }
 
@@ -22,7 +22,7 @@
 
   describe ".list" do
     let(:method) { :get }
-    let(:endpoint) { "/v1/customers" }
+    let(:endpoint) { "/aggregation/v1/customers" }
     let(:query) { { type: "testing" } }
 
     context "with query" do
@@ -41,7 +41,7 @@
   describe "#delete" do
     let(:customer_id) { "94857126" }
     let(:method) { :delete }
-    let(:endpoint) { "/v1/customers/#{customer_id}" }
+    let(:endpoint) { "/aggregation/v1/customers/#{customer_id}" }
 
     before { described_class.new(customer_id).delete }
 
diff --git a/spec/finicity/resources/institution_spec.rb b/spec/finicity/resources/institution_spec.rb
index beb9f98..5acaffa 100644
--- a/spec/finicity/resources/institution_spec.rb
+++ b/spec/finicity/resources/institution_spec.rb
@@ -7,7 +7,7 @@
 
   describe ".list" do
     let(:method) { :get }
-    let(:endpoint) { "/v1/institutions" }
+    let(:endpoint) { "/aggregation/v1/institutions" }
 
     context "with query" do
       before { described_class.list(search: "Canada") }
@@ -25,7 +25,7 @@
   describe ".get" do
     let(:institution_id) { "128594" }
     let(:method) { :get }
-    let(:endpoint) { "/v1/institutions/#{institution_id}/details" }
+    let(:endpoint) { "/aggregation/v1/institutions/#{institution_id}/details" }
 
     before { described_class.get(institution_id) }
 
diff --git a/spec/finicity/resources/transaction_spec.rb b/spec/finicity/resources/transaction_spec.rb
index 461c670..0ae4479 100644
--- a/spec/finicity/resources/transaction_spec.rb
+++ b/spec/finicity/resources/transaction_spec.rb
@@ -14,7 +14,7 @@
 
   describe "#list" do
     let(:method) { :get }
-    let(:endpoint) { "/v3/customers/#{customer_id}/transactions" }
+    let(:endpoint) { "/aggregation/v3/customers/#{customer_id}/transactions" }
     let(:query) { { from_date: from_date.to_i, to_date: to_date.to_i, page: 2 } }
 
     before { subject.list(from: from_date, to: to_date, params: { page: 2 }) }
@@ -24,7 +24,7 @@
 
   describe "#list_for_account" do
     let(:method) { :get }
-    let(:endpoint) { "/v3/customers/#{customer_id}/accounts/#{account_id}/transactions" }
+    let(:endpoint) { "/aggregation/v3/customers/#{customer_id}/accounts/#{account_id}/transactions" }
     let(:query) { { from_date: from_date.to_i, to_date: to_date.to_i, page: 2 } }
 
     before { subject.list_for_account(account_id, from: from_date, to: to_date, params: { page: 2 }) }
@@ -34,7 +34,7 @@
 
   describe "#load_historic" do
     let(:method) { :post }
-    let(:endpoint) { "/v1/customers/#{customer_id}/accounts/#{account_id}/transactions/historic" }
+    let(:endpoint) { "/aggregation/v1/customers/#{customer_id}/accounts/#{account_id}/transactions/historic" }
 
     before { subject.load_historic(account_id) }
 
@@ -45,7 +45,7 @@
     let(:mfa_session) { "14rEngx9aNpw39Qenf" }
     let(:questions) { [{ text: "have a bullet?", answer: "in your head" }] }
     let(:method) { :post }
-    let(:endpoint) { "/v1/customers/#{customer_id}/accounts/#{account_id}/transactions/historic/mfa" }
+    let(:endpoint) { "/aggregation/v1/customers/#{customer_id}/accounts/#{account_id}/transactions/historic/mfa" }
     let(:body) { { questions: questions } }
     let(:headers) { { "MFA-Session" => mfa_session } }