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Note that this endpoint does not trigger a fetch of holdings from the institution; it merely returns holdings that have already been fetched.
To force a check for new/updated owner information, you must use the products endpoint.
If you have requested prefetch or an on-demand update, you should check the refreshed_at date for this product in the returned response and compare that against the previous refreshed_at date, which you can get from any previous response for this or any other account or link request. If the refreshed_at date has not increased, then updated data is not yet available.