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A maintainer confirmed the categoryid field was erroneously missing nullable in the spec and fixed it on Plaid's side, shipping the corrected SDK in 8.0.0b13. Fix: upgrade plaid-python to 8.0.0b13+. Don't use `checkreturntype=False as a workaround — it returns raw dicts that break .todict() with an AttributeError about composed_schemas`. Source: https://github.com/plaid/plaid-python/issues/339