diff --git a/analytics/core.go b/analytics/core.go
index 6fd5139fd3d..737d133487e 100644
--- a/analytics/core.go
+++ b/analytics/core.go
@@ -2,6 +2,7 @@ package analytics
 
 import (
 	"github.com/mxmCherry/openrtb"
+	"github.com/prebid/prebid-server/config"
 	"github.com/prebid/prebid-server/openrtb_ext"
 	"github.com/prebid/prebid-server/usersync"
 )
@@ -28,6 +29,7 @@ type AuctionObject struct {
 	Errors   []error
 	Request  *openrtb.BidRequest
 	Response *openrtb.BidResponse
+	Account  *config.Account
 }
 
 //Loggable object of a transaction at /openrtb2/amp endpoint
diff --git a/config/accounts.go b/config/accounts.go
new file mode 100644
index 00000000000..af0eb7b78e6
--- /dev/null
+++ b/config/accounts.go
@@ -0,0 +1,14 @@
+package config
+
+// Account represents a publisher account configuration
+type Account struct {
+	ID               string       `mapstructure:"id" json:"id"`
+	Disabled         bool         `mapstructure:"disabled" json:"disabled"`
+	PriceGranularity string       `mapstructure:"price_granularity" json:"price_granularity"`
+	CacheTTL         DefaultTTLs  `mapstructure:"cache_ttl" json:"cache_ttl"`
+	Analytics        PubAnalytics `mapstructure:"analytics" json:"analytics"`
+}
+
+// PubAnalytics contains analytics settings for an account
+type PubAnalytics struct {
+}
diff --git a/config/config.go b/config/config.go
index e3b7d8ebda0..f58d1504383 100755
--- a/config/config.go
+++ b/config/config.go
@@ -2,6 +2,7 @@ package config
 
 import (
 	"bytes"
+	"encoding/json"
 	"errors"
 	"fmt"
 	"net/url"
@@ -39,6 +40,8 @@ type Configuration struct {
 	DataCache       DataCache          `mapstructure:"datacache"`
 	StoredRequests  StoredRequests     `mapstructure:"stored_requests"`
 	CategoryMapping StoredRequestsSlim `mapstructure:"category_mapping"`
+	Accounts        StoredRequestsSlim `mapstructure:"accounts"`
+	DefaultAccount  Account            `mapstructure:"default_account"`
 	// Note that StoredVideo refers to stored video requests, and has nothing to do with caching video creatives.
 	StoredVideo StoredRequestsSlim `mapstructure:"stored_video_req"`
 
@@ -578,6 +581,12 @@ func New(v *viper.Viper) (*Configuration, error) {
 		return nil, err
 	}
 
+	// Migrate global settings to default account
+	if c.AccountRequired == false {
+		c.DefaultAccount.Disabled = false
+	}
+	c.DefaultAccount.TTL = c.CacheURL.DefaultTTLs
+
 	// To look for a request's publisher_id in the NonStandardPublishers list in
 	// O(1) time, we fill this hash table located in the NonStandardPublisherMap field of GDPR
 	c.GDPR.NonStandardPublisherMap = make(map[string]int)
@@ -592,6 +601,9 @@ func New(v *viper.Viper) (*Configuration, error) {
 		c.BlacklistedAppMap[c.BlacklistedApps[i]] = true
 	}
 
+	if len(c.BlacklistedAccts) > 0 && c.BlacklistedAccts[0] != "" {
+		glog.Warningf(`Instead of blacklisted_accts, consider using account setting "disabled: true" or global setting "account_required: true".`)
+	}
 	// To look for a request's account id in O(1) time, we fill this hash table located in the
 	// the BlacklistedAccts field of the Configuration struct defined in this file
 	c.BlacklistedAcctMap = make(map[string]bool)
diff --git a/endpoints/openrtb2/amp_auction.go b/endpoints/openrtb2/amp_auction.go
index 8efba5a926c..d54ffde9d4f 100644
--- a/endpoints/openrtb2/amp_auction.go
+++ b/endpoints/openrtb2/amp_auction.go
@@ -44,6 +44,7 @@ func NewAmpEndpoint(
 	ex exchange.Exchange,
 	validator openrtb_ext.BidderParamValidator,
 	requestsById stored_requests.Fetcher,
+	accounts stored_requests.AccountFetcher,
 	categories stored_requests.CategoryFetcher,
 	cfg *config.Configuration,
 	met pbsmetrics.MetricsEngine,
@@ -53,7 +54,7 @@ func NewAmpEndpoint(
 	bidderMap map[string]openrtb_ext.BidderName,
 ) (httprouter.Handle, error) {
 
-	if ex == nil || validator == nil || requestsById == nil || cfg == nil || met == nil {
+	if ex == nil || validator == nil || requestsById == nil || accounts == nil || cfg == nil || met == nil {
 		return nil, errors.New("NewAmpEndpoint requires non-nil arguments.")
 	}
 
@@ -69,6 +70,7 @@ func NewAmpEndpoint(
 		validator,
 		requestsById,
 		empty_fetcher.EmptyFetcher{},
+		accounts,
 		categories,
 		cfg,
 		met,
@@ -155,8 +157,9 @@ func (deps *endpointDeps) AmpAuction(w http.ResponseWriter, r *http.Request, _ h
 		labels.CookieFlag = pbsmetrics.CookieFlagYes
 	}
 	labels.PubID = effectivePubID(req.Site.Publisher)
-	// Blacklist account now that we have resolved the value
-	if acctIdErr := validateAccount(deps.cfg, labels.PubID); acctIdErr != nil {
+	// Look up account now that we have resolved the pubID value
+	account, acctIdErr := deps.getAccount(ctx, labels.PubID)
+	if acctIdErr != nil {
 		errL = append(errL, acctIdErr)
 		errCode := errortypes.ReadCode(acctIdErr)
 		if errCode == errortypes.BlacklistedAppErrorCode || errCode == errortypes.BlacklistedAcctErrorCode {
@@ -173,7 +176,7 @@ func (deps *endpointDeps) AmpAuction(w http.ResponseWriter, r *http.Request, _ h
 		return
 	}
 
-	response, err := deps.ex.HoldAuction(ctx, req, usersyncs, labels, &deps.categories, nil)
+	response, err := deps.ex.HoldAuction(ctx, req, usersyncs, labels, account, &deps.categories, nil)
 	ao.AuctionResponse = response
 
 	if err != nil {
diff --git a/endpoints/openrtb2/amp_auction_test.go b/endpoints/openrtb2/amp_auction_test.go
index 692d3fb0c5d..d009be75722 100644
--- a/endpoints/openrtb2/amp_auction_test.go
+++ b/endpoints/openrtb2/amp_auction_test.go
@@ -47,6 +47,7 @@ func TestGoodAmpRequests(t *testing.T) {
 		newParamsValidator(t),
 		&mockAmpStoredReqFetcher{goodRequests},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		theMetrics,
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -100,6 +101,7 @@ func TestAMPPageInfo(t *testing.T) {
 		newParamsValidator(t),
 		&mockAmpStoredReqFetcher{stored},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		theMetrics,
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -205,6 +207,7 @@ func TestGDPRConsent(t *testing.T) {
 			newParamsValidator(t),
 			&mockAmpStoredReqFetcher{stored},
 			empty_fetcher.EmptyFetcher{},
+			empty_fetcher.EmptyFetcher{},
 			&config.Configuration{MaxRequestSize: maxSize},
 			metrics,
 			analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -358,6 +361,7 @@ func TestCCPAConsent(t *testing.T) {
 			newParamsValidator(t),
 			&mockAmpStoredReqFetcher{stored},
 			empty_fetcher.EmptyFetcher{},
+			empty_fetcher.EmptyFetcher{},
 			&config.Configuration{MaxRequestSize: maxSize},
 			metrics,
 			analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -417,6 +421,7 @@ func TestNoConsent(t *testing.T) {
 		newParamsValidator(t),
 		&mockAmpStoredReqFetcher{stored},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		metrics,
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -463,6 +468,7 @@ func TestInvalidConsent(t *testing.T) {
 		newParamsValidator(t),
 		&mockAmpStoredReqFetcher{stored},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		metrics,
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -547,6 +553,7 @@ func TestNewAndLegacyConsentBothProvided(t *testing.T) {
 			newParamsValidator(t),
 			&mockAmpStoredReqFetcher{stored},
 			empty_fetcher.EmptyFetcher{},
+			empty_fetcher.EmptyFetcher{},
 			&config.Configuration{MaxRequestSize: maxSize},
 			metrics,
 			analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -599,6 +606,7 @@ func TestAMPSiteExt(t *testing.T) {
 		newParamsValidator(t),
 		&mockAmpStoredReqFetcher{stored},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		theMetrics,
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -639,6 +647,7 @@ func TestAmpBadRequests(t *testing.T) {
 		newParamsValidator(t),
 		&mockAmpStoredReqFetcher{badRequests},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		theMetrics,
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -670,6 +679,7 @@ func TestAmpDebug(t *testing.T) {
 		newParamsValidator(t),
 		&mockAmpStoredReqFetcher{requests},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		theMetrics,
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -743,6 +753,7 @@ func TestQueryParamOverrides(t *testing.T) {
 		newParamsValidator(t),
 		&mockAmpStoredReqFetcher{requests},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		theMetrics,
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -895,6 +906,7 @@ func (s formatOverrideSpec) execute(t *testing.T) {
 		newParamsValidator(t),
 		&mockAmpStoredReqFetcher{requests},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		theMetrics,
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -952,7 +964,7 @@ var expectedErrorsFromHoldAuction map[openrtb_ext.BidderName][]openrtb_ext.ExtBi
 	},
 }
 
-func (m *mockAmpExchange) HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, ids exchange.IdFetcher, labels pbsmetrics.Labels, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *exchange.DebugLog) (*openrtb.BidResponse, error) {
+func (m *mockAmpExchange) HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, ids exchange.IdFetcher, labels pbsmetrics.Labels, account *config.Account, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *exchange.DebugLog) (*openrtb.BidResponse, error) {
 	m.lastRequest = bidRequest
 
 	response := &openrtb.BidResponse{
diff --git a/endpoints/openrtb2/auction.go b/endpoints/openrtb2/auction.go
index 86186fa8373..924f2c04222 100644
--- a/endpoints/openrtb2/auction.go
+++ b/endpoints/openrtb2/auction.go
@@ -45,9 +45,9 @@ var (
 	dntEnabled  int8   = 1
 )
 
-func NewEndpoint(ex exchange.Exchange, validator openrtb_ext.BidderParamValidator, requestsById stored_requests.Fetcher, categories stored_requests.CategoryFetcher, cfg *config.Configuration, met pbsmetrics.MetricsEngine, pbsAnalytics analytics.PBSAnalyticsModule, disabledBidders map[string]string, defReqJSON []byte, bidderMap map[string]openrtb_ext.BidderName) (httprouter.Handle, error) {
+func NewEndpoint(ex exchange.Exchange, validator openrtb_ext.BidderParamValidator, requestsById stored_requests.Fetcher, accounts stored_requests.AccountFetcher, categories stored_requests.CategoryFetcher, cfg *config.Configuration, met pbsmetrics.MetricsEngine, pbsAnalytics analytics.PBSAnalyticsModule, disabledBidders map[string]string, defReqJSON []byte, bidderMap map[string]openrtb_ext.BidderName) (httprouter.Handle, error) {
 
-	if ex == nil || validator == nil || requestsById == nil || cfg == nil || met == nil {
+	if ex == nil || validator == nil || requestsById == nil || accounts == nil || cfg == nil || met == nil {
 		return nil, errors.New("NewEndpoint requires non-nil arguments.")
 	}
 
@@ -63,6 +63,7 @@ func NewEndpoint(ex exchange.Exchange, validator openrtb_ext.BidderParamValidato
 		validator,
 		requestsById,
 		empty_fetcher.EmptyFetcher{},
+		accounts,
 		categories,
 		cfg,
 		met,
@@ -81,6 +82,7 @@ type endpointDeps struct {
 	paramsValidator           openrtb_ext.BidderParamValidator
 	storedReqFetcher          stored_requests.Fetcher
 	videoFetcher              stored_requests.Fetcher
+	accounts                  stored_requests.AccountFetcher
 	categories                stored_requests.CategoryFetcher
 	cfg                       *config.Configuration
 	metricsEngine             pbsmetrics.MetricsEngine
@@ -152,15 +154,18 @@ func (deps *endpointDeps) Auction(w http.ResponseWriter, r *http.Request, _ http
 		labels.PubID = effectivePubID(req.Site.Publisher)
 	}
 
-	if acctIdErr := validateAccount(deps.cfg, labels.PubID); acctIdErr != nil {
+	// Look up account now that we have resolved the pubID value
+	account, acctIdErr := deps.getAccount(ctx, labels.PubID)
+	if acctIdErr != nil {
 		errL = append(errL, acctIdErr)
 		writeError(errL, w, &labels)
 		return
 	}
 
-	response, err := deps.ex.HoldAuction(ctx, req, usersyncs, labels, &deps.categories, nil)
+	response, err := deps.ex.HoldAuction(ctx, req, usersyncs, labels, account, &deps.categories, nil)
 	ao.Request = req
 	ao.Response = response
+	ao.Account = account
 	if err != nil {
 		labels.RequestStatus = pbsmetrics.RequestStatusErr
 		w.WriteHeader(http.StatusInternalServerError)
@@ -1282,14 +1287,33 @@ func effectivePubID(pub *openrtb.Publisher) string {
 	return pbsmetrics.PublisherUnknown
 }
 
-func validateAccount(cfg *config.Configuration, pubID string) error {
-	var err error = nil
-	if cfg.AccountRequired && pubID == pbsmetrics.PublisherUnknown {
-		// If specified in the configuration, discard requests that don't come with an account ID.
-		err = error(&errortypes.AcctRequired{Message: fmt.Sprintf("Prebid-server has been configured to discard requests that don't come with an Account ID. Please reach out to the prebid server host.")})
-	} else if _, found := cfg.BlacklistedAcctMap[pubID]; found {
-		// Blacklist account now that we have resolved the value
-		err = error(&errortypes.BlacklistedAcct{Message: fmt.Sprintf("Prebid-server has blacklisted Account ID: %s, please reach out to the prebid server host.", pubID)})
+func (deps *endpointDeps) getAccount(ctx context.Context, pubID string) (*config.Account, error) {
+	// Check BlacklistedAcctMap until we have deprecated it
+	if _, found := deps.cfg.BlacklistedAcctMap[pubID]; found {
+		return nil, error(&errortypes.BlacklistedAcct{
+			Message: fmt.Sprintf("Prebid-server has disabled Account ID: %s, please reach out to the prebid server host.", pubID),
+		})
 	}
-	return err
+	var account *config.Account
+	var err error
+	if account, err = deps.accounts.FetchAccount(ctx, pubID); err != nil || account == nil {
+		if deps.cfg.DefaultAccount.Disabled || (deps.cfg.AccountRequired && pubID == pbsmetrics.PublisherUnknown) {
+			err = error(&errortypes.AcctRequired{
+				Message: fmt.Sprintf("Prebid-server has been configured to discard requests without a valid Account ID. Please reach out to the prebid server host."),
+			})
+		}
+		// We have an unknown account, so use the DefaultAccount
+		// Transitional: make a copy of DefaultAccount instead of taking a reference,
+		// to preserve original pubID in case is needed to check NonStandardPublisherMap
+		pubAccount := deps.cfg.DefaultAccount
+		pubAccount.ID = pubID
+		account = &pubAccount
+	} else {
+		if account.Disabled {
+			err = error(&errortypes.BlacklistedAcct{
+				Message: fmt.Sprintf("Prebid-server has disabled Account ID: %s, please reach out to the prebid server host.", pubID),
+			})
+		}
+	}
+	return account, err
 }
diff --git a/endpoints/openrtb2/auction_benchmark_test.go b/endpoints/openrtb2/auction_benchmark_test.go
index fba0daecea8..09af23af103 100644
--- a/endpoints/openrtb2/auction_benchmark_test.go
+++ b/endpoints/openrtb2/auction_benchmark_test.go
@@ -83,6 +83,7 @@ func BenchmarkOpenrtbEndpoint(b *testing.B) {
 		paramValidator,
 		empty_fetcher.EmptyFetcher{},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		theMetrics,
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
diff --git a/endpoints/openrtb2/auction_test.go b/endpoints/openrtb2/auction_test.go
index 957760c61c9..f0e4558b4d8 100644
--- a/endpoints/openrtb2/auction_test.go
+++ b/endpoints/openrtb2/auction_test.go
@@ -103,7 +103,7 @@ func TestExplicitUserId(t *testing.T) {
 	// NewMetrics() will create a new go_metrics MetricsEngine, bypassing the need for a crafted configuration set to support it.
 	// As a side effect this gives us some coverage of the go_metrics piece of the metrics engine.
 	theMetrics := pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{})
-	endpoint, _ := NewEndpoint(ex, newParamsValidator(t), empty_fetcher.EmptyFetcher{}, empty_fetcher.EmptyFetcher{}, cfg, theMetrics, analyticsConf.NewPBSAnalytics(&config.Analytics{}), map[string]string{}, []byte{}, openrtb_ext.BidderMap)
+	endpoint, _ := NewEndpoint(ex, newParamsValidator(t), empty_fetcher.EmptyFetcher{}, empty_fetcher.EmptyFetcher{}, empty_fetcher.EmptyFetcher{}, cfg, theMetrics, analyticsConf.NewPBSAnalytics(&config.Analytics{}), map[string]string{}, []byte{}, openrtb_ext.BidderMap)
 
 	endpoint(httptest.NewRecorder(), request, nil)
 
@@ -255,11 +255,21 @@ func TestRejectAccountRequired(t *testing.T) {
 			accountReq:    true,
 		},
 		{
-			// Account is required, was provided and is not in the blacklisted accounts map
+			// Account is required, was provided, not blacklisted, but is not valid (not defined by host)
 			dir:           "sample-requests/account-required",
 			file:          "with-acct.json",
 			payloadGetter: getRequestPayload,
 			messageGetter: nilReturner,
+			expectedCode:  http.StatusBadRequest,
+			aliased:       true,
+			accountReq:    true,
+		},
+		{
+			// Account is required, was provided, not blacklisted and is a valid account
+			dir:           "sample-requests/account-required",
+			file:          "valid-acct.json",
+			payloadGetter: getRequestPayload,
+			messageGetter: nilReturner,
 			expectedCode:  http.StatusOK,
 			aliased:       true,
 			accountReq:    true,
@@ -346,12 +356,22 @@ func (gr *getResponseFromDirectory) doRequest(t *testing.T, requestData []byte)
 	// NewMetrics() will create a new go_metrics MetricsEngine, bypassing the need for a crafted configuration set to support it.
 	// As a side effect this gives us some coverage of the go_metrics piece of the metrics engine.
 	theMetrics := pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{})
+	cfg := config.Configuration{
+		MaxRequestSize:     maxSize,
+		BlacklistedApps:    []string{"spam_app"},
+		BlacklistedAppMap:  map[string]bool{"spam_app": true},
+		BlacklistedAccts:   []string{"bad_acct"},
+		BlacklistedAcctMap: map[string]bool{"bad_acct": true},
+		AccountRequired:    gr.accountReq,
+		DefaultAccount:     config.Account{Disabled: gr.accountReq},
+	}
 	endpoint, _ := NewEndpoint(
 		&nobidExchange{},
 		newParamsValidator(t),
 		&mockStoredReqFetcher{},
+		&mockAccountFetcher{},
 		empty_fetcher.EmptyFetcher{},
-		&config.Configuration{MaxRequestSize: maxSize, BlacklistedApps: []string{"spam_app"}, BlacklistedAppMap: map[string]bool{"spam_app": true}, BlacklistedAccts: []string{"bad_acct"}, BlacklistedAcctMap: map[string]bool{"bad_acct": true}, AccountRequired: gr.accountReq},
+		&cfg,
 		theMetrics,
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
 		disabledBidders,
@@ -390,7 +410,7 @@ func doBadAliasRequest(t *testing.T, filename string, expectMsg string) {
 	// NewMetrics() will create a new go_metrics MetricsEngine, bypassing the need for a crafted configuration set to support it.
 	// As a side effect this gives us some coverage of the go_metrics piece of the metrics engine.
 	theMetrics := pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{})
-	endpoint, _ := NewEndpoint(&nobidExchange{}, newParamsValidator(t), &mockStoredReqFetcher{}, empty_fetcher.EmptyFetcher{}, &config.Configuration{MaxRequestSize: maxSize}, theMetrics, analyticsConf.NewPBSAnalytics(&config.Analytics{}), disabledBidders, aliasJSON, bidderMap)
+	endpoint, _ := NewEndpoint(&nobidExchange{}, newParamsValidator(t), &mockStoredReqFetcher{}, empty_fetcher.EmptyFetcher{}, empty_fetcher.EmptyFetcher{}, &config.Configuration{MaxRequestSize: maxSize}, theMetrics, analyticsConf.NewPBSAnalytics(&config.Analytics{}), disabledBidders, aliasJSON, bidderMap)
 
 	request := httptest.NewRequest("POST", "/openrtb2/auction", bytes.NewReader(requestData))
 	recorder := httptest.NewRecorder()
@@ -454,7 +474,7 @@ func TestNilExchange(t *testing.T) {
 	// NewMetrics() will create a new go_metrics MetricsEngine, bypassing the need for a crafted configuration set to support it.
 	// As a side effect this gives us some coverage of the go_metrics piece of the metrics engine.
 	theMetrics := pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{})
-	_, err := NewEndpoint(nil, newParamsValidator(t), empty_fetcher.EmptyFetcher{}, empty_fetcher.EmptyFetcher{}, &config.Configuration{MaxRequestSize: maxSize}, theMetrics, analyticsConf.NewPBSAnalytics(&config.Analytics{}), map[string]string{}, []byte{}, openrtb_ext.BidderMap)
+	_, err := NewEndpoint(nil, newParamsValidator(t), empty_fetcher.EmptyFetcher{}, empty_fetcher.EmptyFetcher{}, empty_fetcher.EmptyFetcher{}, &config.Configuration{MaxRequestSize: maxSize}, theMetrics, analyticsConf.NewPBSAnalytics(&config.Analytics{}), map[string]string{}, []byte{}, openrtb_ext.BidderMap)
 	if err == nil {
 		t.Errorf("NewEndpoint should return an error when given a nil Exchange.")
 	}
@@ -465,7 +485,7 @@ func TestNilValidator(t *testing.T) {
 	// NewMetrics() will create a new go_metrics MetricsEngine, bypassing the need for a crafted configuration set to support it.
 	// As a side effect this gives us some coverage of the go_metrics piece of the metrics engine.
 	theMetrics := pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{})
-	_, err := NewEndpoint(&nobidExchange{}, nil, empty_fetcher.EmptyFetcher{}, empty_fetcher.EmptyFetcher{}, &config.Configuration{MaxRequestSize: maxSize}, theMetrics, analyticsConf.NewPBSAnalytics(&config.Analytics{}), map[string]string{}, []byte{}, openrtb_ext.BidderMap)
+	_, err := NewEndpoint(&nobidExchange{}, nil, empty_fetcher.EmptyFetcher{}, empty_fetcher.EmptyFetcher{}, empty_fetcher.EmptyFetcher{}, &config.Configuration{MaxRequestSize: maxSize}, theMetrics, analyticsConf.NewPBSAnalytics(&config.Analytics{}), map[string]string{}, []byte{}, openrtb_ext.BidderMap)
 	if err == nil {
 		t.Errorf("NewEndpoint should return an error when given a nil BidderParamValidator.")
 	}
@@ -476,7 +496,7 @@ func TestExchangeError(t *testing.T) {
 	// NewMetrics() will create a new go_metrics MetricsEngine, bypassing the need for a crafted configuration set to support it.
 	// As a side effect this gives us some coverage of the go_metrics piece of the metrics engine.
 	theMetrics := pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{})
-	endpoint, _ := NewEndpoint(&brokenExchange{}, newParamsValidator(t), empty_fetcher.EmptyFetcher{}, empty_fetcher.EmptyFetcher{}, &config.Configuration{MaxRequestSize: maxSize}, theMetrics, analyticsConf.NewPBSAnalytics(&config.Analytics{}), map[string]string{}, []byte{}, openrtb_ext.BidderMap)
+	endpoint, _ := NewEndpoint(&brokenExchange{}, newParamsValidator(t), empty_fetcher.EmptyFetcher{}, empty_fetcher.EmptyFetcher{}, empty_fetcher.EmptyFetcher{}, &config.Configuration{MaxRequestSize: maxSize}, theMetrics, analyticsConf.NewPBSAnalytics(&config.Analytics{}), map[string]string{}, []byte{}, openrtb_ext.BidderMap)
 	request := httptest.NewRequest("POST", "/openrtb2/auction", strings.NewReader(validRequest(t, "site.json")))
 	recorder := httptest.NewRecorder()
 	endpoint(recorder, request, nil)
@@ -588,7 +608,7 @@ func TestImplicitIPsEndToEnd(t *testing.T) {
 				IPv6PrivateNetworksParsed: test.privateNetworksIPv6,
 			},
 		}
-		endpoint, _ := NewEndpoint(exchange, newParamsValidator(t), &mockStoredReqFetcher{}, empty_fetcher.EmptyFetcher{}, cfg, metrics, analyticsConf.NewPBSAnalytics(&config.Analytics{}), map[string]string{}, []byte{}, openrtb_ext.BidderMap)
+		endpoint, _ := NewEndpoint(exchange, newParamsValidator(t), &mockStoredReqFetcher{}, empty_fetcher.EmptyFetcher{}, empty_fetcher.EmptyFetcher{}, cfg, metrics, analyticsConf.NewPBSAnalytics(&config.Analytics{}), map[string]string{}, []byte{}, openrtb_ext.BidderMap)
 
 		httpReq := httptest.NewRequest("POST", "/openrtb2/auction", strings.NewReader(validRequest(t, test.reqJSONFile)))
 		httpReq.Header.Set("X-Forwarded-For", test.xForwardedForHeader)
@@ -773,7 +793,7 @@ func TestImplicitDNTEndToEnd(t *testing.T) {
 	metrics := pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{})
 	for _, test := range testCases {
 		exchange := &nobidExchange{}
-		endpoint, _ := NewEndpoint(exchange, newParamsValidator(t), &mockStoredReqFetcher{}, empty_fetcher.EmptyFetcher{}, &config.Configuration{MaxRequestSize: maxSize}, metrics, analyticsConf.NewPBSAnalytics(&config.Analytics{}), map[string]string{}, []byte{}, openrtb_ext.BidderMap)
+		endpoint, _ := NewEndpoint(exchange, newParamsValidator(t), &mockStoredReqFetcher{}, empty_fetcher.EmptyFetcher{}, empty_fetcher.EmptyFetcher{}, &config.Configuration{MaxRequestSize: maxSize}, metrics, analyticsConf.NewPBSAnalytics(&config.Analytics{}), map[string]string{}, []byte{}, openrtb_ext.BidderMap)
 
 		httpReq := httptest.NewRequest("POST", "/openrtb2/auction", strings.NewReader(validRequest(t, test.reqJSONFile)))
 		httpReq.Header.Set("DNT", test.dntHeader)
@@ -846,6 +866,7 @@ func TestStoredRequests(t *testing.T) {
 		&mockStoredReqFetcher{},
 		empty_fetcher.EmptyFetcher{},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		theMetrics,
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -885,6 +906,7 @@ func TestOversizedRequest(t *testing.T) {
 		&mockStoredReqFetcher{},
 		empty_fetcher.EmptyFetcher{},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: int64(len(reqBody) - 1)},
 		pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{}),
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -920,6 +942,7 @@ func TestRequestSizeEdgeCase(t *testing.T) {
 		&mockStoredReqFetcher{},
 		empty_fetcher.EmptyFetcher{},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: int64(len(reqBody))},
 		pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{}),
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -953,6 +976,7 @@ func TestNoEncoding(t *testing.T) {
 		newParamsValidator(t),
 		&mockStoredReqFetcher{},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{}),
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -1028,6 +1052,7 @@ func TestContentType(t *testing.T) {
 		newParamsValidator(t),
 		&mockStoredReqFetcher{},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{}),
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -1058,6 +1083,7 @@ func TestDisabledBidder(t *testing.T) {
 		&mockStoredReqFetcher{},
 		empty_fetcher.EmptyFetcher{},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{
 			MaxRequestSize: int64(len(reqBody)),
 		},
@@ -1096,6 +1122,7 @@ func TestValidateImpExtDisabledBidder(t *testing.T) {
 		&mockStoredReqFetcher{},
 		empty_fetcher.EmptyFetcher{},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: int64(8096)},
 		pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{}),
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -1137,6 +1164,7 @@ func TestCurrencyTrunc(t *testing.T) {
 		&mockStoredReqFetcher{},
 		empty_fetcher.EmptyFetcher{},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{},
 		pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{}),
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -1181,6 +1209,7 @@ func TestCCPAInvalid(t *testing.T) {
 		&mockStoredReqFetcher{},
 		empty_fetcher.EmptyFetcher{},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{},
 		pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{}),
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -1229,6 +1258,7 @@ func TestSChainInvalid(t *testing.T) {
 		&mockStoredReqFetcher{},
 		empty_fetcher.EmptyFetcher{},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{},
 		pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{}),
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -1349,7 +1379,7 @@ type nobidExchange struct {
 	gotRequest *openrtb.BidRequest
 }
 
-func (e *nobidExchange) HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, ids exchange.IdFetcher, labels pbsmetrics.Labels, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *exchange.DebugLog) (*openrtb.BidResponse, error) {
+func (e *nobidExchange) HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, ids exchange.IdFetcher, labels pbsmetrics.Labels, account *config.Account, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *exchange.DebugLog) (*openrtb.BidResponse, error) {
 	e.gotRequest = bidRequest
 	return &openrtb.BidResponse{
 		ID:    bidRequest.ID,
@@ -1360,7 +1390,7 @@ func (e *nobidExchange) HoldAuction(ctx context.Context, bidRequest *openrtb.Bid
 
 type brokenExchange struct{}
 
-func (e *brokenExchange) HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, ids exchange.IdFetcher, labels pbsmetrics.Labels, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *exchange.DebugLog) (*openrtb.BidResponse, error) {
+func (e *brokenExchange) HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, ids exchange.IdFetcher, labels pbsmetrics.Labels, account *config.Account, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *exchange.DebugLog) (*openrtb.BidResponse, error) {
 	return nil, errors.New("Critical, unrecoverable error.")
 }
 
@@ -1716,11 +1746,24 @@ func (cf mockStoredReqFetcher) FetchRequests(ctx context.Context, requestIDs []s
 	return testStoredRequestData, testStoredImpData, nil
 }
 
+var mockAccountData = map[string]*config.Account{
+	"valid_acct": {
+		ID: "valid_acct",
+	},
+}
+
+type mockAccountFetcher struct {
+}
+
+func (af mockAccountFetcher) FetchAccount(ctx context.Context, accountID string) (*config.Account, error) {
+	return mockAccountData[accountID], nil
+}
+
 type mockExchange struct {
 	lastRequest *openrtb.BidRequest
 }
 
-func (m *mockExchange) HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, ids exchange.IdFetcher, labels pbsmetrics.Labels, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *exchange.DebugLog) (*openrtb.BidResponse, error) {
+func (m *mockExchange) HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, ids exchange.IdFetcher, labels pbsmetrics.Labels, account *config.Account, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *exchange.DebugLog) (*openrtb.BidResponse, error) {
 	m.lastRequest = bidRequest
 	return &openrtb.BidResponse{
 		SeatBid: []openrtb.SeatBid{{
diff --git a/endpoints/openrtb2/sample-requests/account-required/valid-acct.json b/endpoints/openrtb2/sample-requests/account-required/valid-acct.json
new file mode 100644
index 00000000000..87d9d1eac37
--- /dev/null
+++ b/endpoints/openrtb2/sample-requests/account-required/valid-acct.json
@@ -0,0 +1,67 @@
+{
+    "description": "This request comes with a valid account id",
+    "message": "",
+
+    "requestPayload": {
+      "id": "some-request-id",
+      "site": {
+        "publisher": { "id": "valid_acct"},
+      	"page": "test.somepage.com"
+      },
+      "user": { },
+      "imp": [
+        {
+          "id": "my-imp-id",
+          "banner": {
+            "format": [
+               {
+                 "w": 300,
+                 "h": 600
+               }
+            ]
+          },
+          "pmp": {
+            "deals": [
+              {
+                "id": "some-deal-id"
+              }
+            ]
+          },
+          "ext": {
+            "appnexus": {
+              "placementId": 12883451
+            }
+          }
+        }
+      ],
+      "tmax": 500,
+      "ext": {
+        "prebid": {
+          "aliases": {
+            "districtm": "appnexus"
+          },
+          "bidadjustmentfactors": {
+            "appnexus": 1.01,
+            "districtm": 0.98,
+            "rubicon": 0.99
+          },
+          "cache": {
+            "bids": {}
+          },
+          "targeting": {
+            "includewinners": false,
+            "pricegranularity": {
+              "precision": 2,
+              "ranges": [
+                {
+                  "max": 20,
+                  "increment": 0.10
+                }
+              ]
+            }
+          }
+        }
+      }
+    }
+  }
+
diff --git a/endpoints/openrtb2/video_auction.go b/endpoints/openrtb2/video_auction.go
index a6ca527874a..5227c79c879 100644
--- a/endpoints/openrtb2/video_auction.go
+++ b/endpoints/openrtb2/video_auction.go
@@ -35,9 +35,9 @@ import (
 
 var defaultRequestTimeout int64 = 5000
 
-func NewVideoEndpoint(ex exchange.Exchange, validator openrtb_ext.BidderParamValidator, requestsById stored_requests.Fetcher, videoFetcher stored_requests.Fetcher, categories stored_requests.CategoryFetcher, cfg *config.Configuration, met pbsmetrics.MetricsEngine, pbsAnalytics analytics.PBSAnalyticsModule, disabledBidders map[string]string, defReqJSON []byte, bidderMap map[string]openrtb_ext.BidderName, cache prebid_cache_client.Client) (httprouter.Handle, error) {
+func NewVideoEndpoint(ex exchange.Exchange, validator openrtb_ext.BidderParamValidator, requestsById stored_requests.Fetcher, videoFetcher stored_requests.Fetcher, accounts stored_requests.AccountFetcher, categories stored_requests.CategoryFetcher, cfg *config.Configuration, met pbsmetrics.MetricsEngine, pbsAnalytics analytics.PBSAnalyticsModule, disabledBidders map[string]string, defReqJSON []byte, bidderMap map[string]openrtb_ext.BidderName, cache prebid_cache_client.Client) (httprouter.Handle, error) {
 
-	if ex == nil || validator == nil || requestsById == nil || cfg == nil || met == nil {
+	if ex == nil || validator == nil || requestsById == nil || accounts == nil || cfg == nil || met == nil {
 		return nil, errors.New("NewVideoEndpoint requires non-nil arguments.")
 	}
 
@@ -55,6 +55,7 @@ func NewVideoEndpoint(ex exchange.Exchange, validator openrtb_ext.BidderParamVal
 		validator,
 		requestsById,
 		videoFetcher,
+		accounts,
 		categories,
 		cfg,
 		met,
@@ -253,13 +254,15 @@ func (deps *endpointDeps) VideoAuctionEndpoint(w http.ResponseWriter, r *http.Re
 		labels.PubID = effectivePubID(bidReq.Site.Publisher)
 	}
 
-	if acctIdErr := validateAccount(deps.cfg, labels.PubID); acctIdErr != nil {
+	// Look up account now that we have resolved the pubID value
+	account, acctIdErr := deps.getAccount(ctx, labels.PubID)
+	if acctIdErr != nil {
 		errL := []error{err}
 		handleError(&labels, w, errL, &vo, &debugLog)
 		return
 	}
 	//execute auction logic
-	response, err := deps.ex.HoldAuction(ctx, bidReq, usersyncs, labels, &deps.categories, &debugLog)
+	response, err := deps.ex.HoldAuction(ctx, bidReq, usersyncs, labels, account, &deps.categories, &debugLog)
 	vo.Request = bidReq
 	vo.Response = response
 	if err != nil {
diff --git a/endpoints/openrtb2/video_auction_test.go b/endpoints/openrtb2/video_auction_test.go
index 534db3c79e2..8ad9e46cb15 100644
--- a/endpoints/openrtb2/video_auction_test.go
+++ b/endpoints/openrtb2/video_auction_test.go
@@ -1168,6 +1168,7 @@ func mockDepsWithMetrics(t *testing.T, ex *mockExchangeVideo) (*endpointDeps, *p
 		&mockVideoStoredReqFetcher{},
 		&mockVideoStoredReqFetcher{},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		theMetrics,
 		mockModule,
@@ -1210,6 +1211,7 @@ func mockDeps(t *testing.T, ex *mockExchangeVideo) *endpointDeps {
 		&mockVideoStoredReqFetcher{},
 		&mockVideoStoredReqFetcher{},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		theMetrics,
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -1233,6 +1235,7 @@ func mockDepsNoBids(t *testing.T, ex *mockExchangeVideoNoBids) *endpointDeps {
 		&mockVideoStoredReqFetcher{},
 		&mockVideoStoredReqFetcher{},
 		empty_fetcher.EmptyFetcher{},
+		empty_fetcher.EmptyFetcher{},
 		&config.Configuration{MaxRequestSize: maxSize},
 		theMetrics,
 		analyticsConf.NewPBSAnalytics(&config.Analytics{}),
@@ -1275,7 +1278,7 @@ type mockExchangeVideo struct {
 	cache       *mockCacheClient
 }
 
-func (m *mockExchangeVideo) HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, ids exchange.IdFetcher, labels pbsmetrics.Labels, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *exchange.DebugLog) (*openrtb.BidResponse, error) {
+func (m *mockExchangeVideo) HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, ids exchange.IdFetcher, labels pbsmetrics.Labels, account *config.Account, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *exchange.DebugLog) (*openrtb.BidResponse, error) {
 	m.lastRequest = bidRequest
 	if debugLog != nil && debugLog.Enabled {
 		m.cache.called = true
@@ -1311,7 +1314,7 @@ type mockExchangeVideoNoBids struct {
 	cache       *mockCacheClient
 }
 
-func (m *mockExchangeVideoNoBids) HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, ids exchange.IdFetcher, labels pbsmetrics.Labels, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *exchange.DebugLog) (*openrtb.BidResponse, error) {
+func (m *mockExchangeVideoNoBids) HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, ids exchange.IdFetcher, labels pbsmetrics.Labels, account *config.Account, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *exchange.DebugLog) (*openrtb.BidResponse, error) {
 	m.lastRequest = bidRequest
 	return &openrtb.BidResponse{
 		SeatBid: []openrtb.SeatBid{{}},
diff --git a/exchange/exchange.go b/exchange/exchange.go
index e465a78389b..49c032899bf 100644
--- a/exchange/exchange.go
+++ b/exchange/exchange.go
@@ -36,7 +36,7 @@ const DebugContextKey = ContextKey("debugInfo")
 // Exchange runs Auctions. Implementations must be threadsafe, and will be shared across many goroutines.
 type Exchange interface {
 	// HoldAuction executes an OpenRTB v2.5 Auction.
-	HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, usersyncs IdFetcher, labels pbsmetrics.Labels, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *DebugLog) (*openrtb.BidResponse, error)
+	HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, usersyncs IdFetcher, labels pbsmetrics.Labels, account *config.Account, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *DebugLog) (*openrtb.BidResponse, error)
 }
 
 // IdFetcher can find the user's ID for a specific Bidder.
@@ -53,7 +53,6 @@ type exchange struct {
 	gDPR                gdpr.Permissions
 	currencyConverter   *currencies.RateConverter
 	UsersyncIfAmbiguous bool
-	defaultTTLs         config.DefaultTTLs
 	privacyConfig       config.Privacy
 	eeaCountries        map[string]struct{}
 }
@@ -88,7 +87,6 @@ func NewExchange(client *http.Client, cache prebid_cache_client.Client, cfg *con
 	e.gDPR = gDPR
 	e.currencyConverter = currencyConverter
 	e.UsersyncIfAmbiguous = cfg.GDPR.UsersyncIfAmbiguous
-	e.defaultTTLs = cfg.CacheURL.DefaultTTLs
 	e.privacyConfig = config.Privacy{
 		CCPA: cfg.CCPA,
 		GDPR: cfg.GDPR,
@@ -97,7 +95,7 @@ func NewExchange(client *http.Client, cache prebid_cache_client.Client, cfg *con
 	return e
 }
 
-func (e *exchange) HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, usersyncs IdFetcher, labels pbsmetrics.Labels, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *DebugLog) (*openrtb.BidResponse, error) {
+func (e *exchange) HoldAuction(ctx context.Context, bidRequest *openrtb.BidRequest, usersyncs IdFetcher, labels pbsmetrics.Labels, account *config.Account, categoriesFetcher *stored_requests.CategoryFetcher, debugLog *DebugLog) (*openrtb.BidResponse, error) {
 
 	requestExt, err := extractBidRequestExt(bidRequest)
 	if err != nil {
@@ -202,7 +200,7 @@ func (e *exchange) HoldAuction(ctx context.Context, bidRequest *openrtb.BidReque
 				}
 			}
 
-			cacheErrs := auc.doCache(ctx, e.cache, targData, bidRequest, 60, &e.defaultTTLs, bidCategory, debugLog)
+			cacheErrs := auc.doCache(ctx, e.cache, targData, bidRequest, 60, &account.CacheTTL, bidCategory, debugLog)
 			if len(cacheErrs) > 0 {
 				errs = append(errs, cacheErrs...)
 			}
diff --git a/exchange/exchange_test.go b/exchange/exchange_test.go
index a6f69f70c59..74fb6675490 100644
--- a/exchange/exchange_test.go
+++ b/exchange/exchange_test.go
@@ -248,7 +248,7 @@ func TestDebugBehaviour(t *testing.T) {
 		}
 
 		// Run test
-		outBidResponse, err := e.HoldAuction(context.Background(), bidRequest, &emptyUsersync{}, pbsmetrics.Labels{}, &categoriesFetcher, nil)
+		outBidResponse, err := e.HoldAuction(context.Background(), bidRequest, &emptyUsersync{}, pbsmetrics.Labels{}, &config.Account{}, &categoriesFetcher, nil)
 
 		// Assert no HoldAuction error
 		assert.NoErrorf(t, err, "%s. ex.HoldAuction returned an error: %v \n", test.desc, err)
@@ -625,7 +625,7 @@ func TestRaceIntegration(t *testing.T) {
 	theMetrics := pbsmetrics.NewMetrics(metrics.NewRegistry(), openrtb_ext.BidderList(), config.DisabledMetrics{})
 	currencyConverter := currencies.NewRateConverter(&http.Client{}, "", time.Duration(0))
 	ex := NewExchange(server.Client(), &wellBehavedCache{}, cfg, theMetrics, adapters.ParseBidderInfos(cfg.Adapters, "../static/bidder-info", openrtb_ext.BidderList()), gdpr.AlwaysAllow{}, currencyConverter)
-	_, err := ex.HoldAuction(context.Background(), newRaceCheckingRequest(t), &emptyUsersync{}, pbsmetrics.Labels{}, &categoriesFetcher, nil)
+	_, err := ex.HoldAuction(context.Background(), newRaceCheckingRequest(t), &emptyUsersync{}, pbsmetrics.Labels{}, &config.Account{}, &categoriesFetcher, nil)
 	if err != nil {
 		t.Errorf("HoldAuction returned unexpected error: %v", err)
 	}
@@ -812,7 +812,7 @@ func TestPanicRecoveryHighLevel(t *testing.T) {
 	if error != nil {
 		t.Errorf("Failed to create a category Fetcher: %v", error)
 	}
-	_, err := e.HoldAuction(context.Background(), request, &emptyUsersync{}, pbsmetrics.Labels{}, &categoriesFetcher, nil)
+	_, err := e.HoldAuction(context.Background(), request, &emptyUsersync{}, pbsmetrics.Labels{}, &config.Account{}, &categoriesFetcher, nil)
 	if err != nil {
 		t.Errorf("HoldAuction returned unexpected error: %v", err)
 	}
@@ -928,7 +928,7 @@ func runSpec(t *testing.T, filename string, spec *exchangeSpec) {
 		*debugLog = *spec.DebugLog
 		debugLog.Regexp = regexp.MustCompile(`[<>]`)
 	}
-	bid, err := ex.HoldAuction(context.Background(), &spec.IncomingRequest.OrtbRequest, mockIdFetcher(spec.IncomingRequest.Usersyncs), pbsmetrics.Labels{}, &categoriesFetcher, debugLog)
+	bid, err := ex.HoldAuction(context.Background(), &spec.IncomingRequest.OrtbRequest, mockIdFetcher(spec.IncomingRequest.Usersyncs), pbsmetrics.Labels{}, &config.Account{}, &categoriesFetcher, debugLog)
 	responseTimes := extractResponseTimes(t, filename, bid)
 	for _, bidderName := range biddersInAuction {
 		if _, ok := responseTimes[bidderName]; !ok {
diff --git a/exchange/targeting_test.go b/exchange/targeting_test.go
index e596e5aa215..aaa75411ee4 100644
--- a/exchange/targeting_test.go
+++ b/exchange/targeting_test.go
@@ -108,7 +108,7 @@ func runTargetingAuction(t *testing.T, mockBids map[openrtb_ext.BidderName][]*op
 	if error != nil {
 		t.Errorf("Failed to create a category Fetcher: %v", error)
 	}
-	bidResp, err := ex.HoldAuction(context.Background(), req, &mockFetcher{}, pbsmetrics.Labels{}, &categoriesFetcher, nil)
+	bidResp, err := ex.HoldAuction(context.Background(), req, &mockFetcher{}, pbsmetrics.Labels{}, &config.Account{}, &categoriesFetcher, nil)
 
 	if err != nil {
 		t.Fatalf("Unexpected errors running auction: %v", err)
diff --git a/router/router.go b/router/router.go
index 30936705a22..4826f0e5feb 100644
--- a/router/router.go
+++ b/router/router.go
@@ -211,7 +211,7 @@ func New(cfg *config.Configuration, rateConvertor *currencies.RateConverter) (r
 
 	// Metrics engine
 	r.MetricsEngine = metricsConf.NewMetricsEngine(cfg, legacyBidderList)
-	db, shutdown, fetcher, ampFetcher, categoriesFetcher, videoFetcher := storedRequestsConf.NewStoredRequests(cfg, r.MetricsEngine, generalHttpClient, r.Router)
+	db, shutdown, fetcher, ampFetcher, accounts, categoriesFetcher, videoFetcher := storedRequestsConf.NewStoredRequests(cfg, r.MetricsEngine, generalHttpClient, r.Router)
 
 	// todo(zachbadgett): better shutdown
 	r.Shutdown = shutdown
@@ -243,19 +243,19 @@ func New(cfg *config.Configuration, rateConvertor *currencies.RateConverter) (r
 	cacheClient := pbc.NewClient(cacheHttpClient, &cfg.CacheURL, &cfg.ExtCacheURL, r.MetricsEngine)
 	theExchange := exchange.NewExchange(generalHttpClient, cacheClient, cfg, r.MetricsEngine, bidderInfos, gdprPerms, rateConvertor)
 
-	openrtbEndpoint, err := openrtb2.NewEndpoint(theExchange, paramsValidator, fetcher, categoriesFetcher, cfg, r.MetricsEngine, pbsAnalytics, disabledBidders, defReqJSON, activeBiddersMap)
+	openrtbEndpoint, err := openrtb2.NewEndpoint(theExchange, paramsValidator, fetcher, accounts, categoriesFetcher, cfg, r.MetricsEngine, pbsAnalytics, disabledBidders, defReqJSON, activeBiddersMap)
 
 	if err != nil {
 		glog.Fatalf("Failed to create the openrtb endpoint handler. %v", err)
 	}
 
-	ampEndpoint, err := openrtb2.NewAmpEndpoint(theExchange, paramsValidator, ampFetcher, categoriesFetcher, cfg, r.MetricsEngine, pbsAnalytics, disabledBidders, defReqJSON, activeBiddersMap)
+	ampEndpoint, err := openrtb2.NewAmpEndpoint(theExchange, paramsValidator, ampFetcher, accounts, categoriesFetcher, cfg, r.MetricsEngine, pbsAnalytics, disabledBidders, defReqJSON, activeBiddersMap)
 
 	if err != nil {
 		glog.Fatalf("Failed to create the amp endpoint handler. %v", err)
 	}
 
-	videoEndpoint, err := openrtb2.NewVideoEndpoint(theExchange, paramsValidator, fetcher, videoFetcher, categoriesFetcher, cfg, r.MetricsEngine, pbsAnalytics, disabledBidders, defReqJSON, activeBiddersMap, cacheClient)
+	videoEndpoint, err := openrtb2.NewVideoEndpoint(theExchange, paramsValidator, fetcher, videoFetcher, accounts, categoriesFetcher, cfg, r.MetricsEngine, pbsAnalytics, disabledBidders, defReqJSON, activeBiddersMap, cacheClient)
 	if err != nil {
 		glog.Fatalf("Failed to create the video endpoint handler. %v", err)
 	}
diff --git a/stored_requests/backends/db_fetcher/fetcher.go b/stored_requests/backends/db_fetcher/fetcher.go
index 223067c917e..541af835e82 100644
--- a/stored_requests/backends/db_fetcher/fetcher.go
+++ b/stored_requests/backends/db_fetcher/fetcher.go
@@ -8,6 +8,7 @@ import (
 	"github.com/lib/pq"
 
 	"github.com/golang/glog"
+	"github.com/prebid/prebid-server/config"
 	"github.com/prebid/prebid-server/stored_requests"
 )
 
@@ -93,6 +94,10 @@ func (fetcher *dbFetcher) FetchRequests(ctx context.Context, requestIDs []string
 	return storedRequestData, storedImpData, errs
 }
 
+func (fetcher *dbFetcher) FetchAccount(ctx context.Context, accountID string) (*config.Account, error) {
+	return nil, nil
+}
+
 func (fetcher *dbFetcher) FetchCategories(ctx context.Context, primaryAdServer, publisherId, iabCategory string) (string, error) {
 	return "", nil
 }
diff --git a/stored_requests/backends/empty_fetcher/fetcher.go b/stored_requests/backends/empty_fetcher/fetcher.go
index 25e8ead434b..b7201447a58 100644
--- a/stored_requests/backends/empty_fetcher/fetcher.go
+++ b/stored_requests/backends/empty_fetcher/fetcher.go
@@ -3,6 +3,8 @@ package empty_fetcher
 import (
 	"context"
 	"encoding/json"
+
+	"github.com/prebid/prebid-server/config"
 	"github.com/prebid/prebid-server/stored_requests"
 )
 
@@ -27,6 +29,10 @@ func (fetcher EmptyFetcher) FetchRequests(ctx context.Context, requestIDs []stri
 	return
 }
 
+func (fetcher EmptyFetcher) FetchAccount(ctx context.Context, accountID string) (*config.Account, error) {
+	return nil, nil
+}
+
 func (fetcher EmptyFetcher) FetchCategories(ctx context.Context, primaryAdServer, publisherId, iabCategory string) (string, error) {
 	return "", nil
 }
diff --git a/stored_requests/backends/file_fetcher/fetcher.go b/stored_requests/backends/file_fetcher/fetcher.go
index 60853f65da7..31b36e413fb 100644
--- a/stored_requests/backends/file_fetcher/fetcher.go
+++ b/stored_requests/backends/file_fetcher/fetcher.go
@@ -7,6 +7,7 @@ import (
 	"io/ioutil"
 	"strings"
 
+	"github.com/prebid/prebid-server/config"
 	"github.com/prebid/prebid-server/stored_requests"
 )
 
@@ -33,6 +34,24 @@ func (fetcher *eagerFetcher) FetchRequests(ctx context.Context, requestIDs []str
 	return storedRequests, storedImpressions, errs
 }
 
+// FetchAccount fetches the host account configuration for a publisher
+func (fetcher *eagerFetcher) FetchAccount(ctx context.Context, accountID string) (*config.Account, error) {
+	if len(accountID) == 0 {
+		return nil, fmt.Errorf("Cannot look up an empty accountID")
+	}
+	account := new(config.Account)
+	var err error
+	if rawJSON, ok := fetcher.FileSystem.Directories["accounts"].Files[accountID]; ok {
+		err = json.Unmarshal(rawJSON, account)
+	} else {
+		err = fmt.Errorf("Account %s not found", accountID)
+	}
+	if err != nil {
+		account = nil
+	}
+	return account, err
+}
+
 func (fetcher *eagerFetcher) FetchCategories(ctx context.Context, primaryAdServer, publisherId, iabCategory string) (string, error) {
 	fileName := primaryAdServer
 
diff --git a/stored_requests/backends/http_fetcher/fetcher.go b/stored_requests/backends/http_fetcher/fetcher.go
index b7e42c9e6cf..298ebb877ae 100644
--- a/stored_requests/backends/http_fetcher/fetcher.go
+++ b/stored_requests/backends/http_fetcher/fetcher.go
@@ -9,6 +9,7 @@ import (
 	"net/http"
 	"strings"
 
+	"github.com/prebid/prebid-server/config"
 	"github.com/prebid/prebid-server/stored_requests"
 
 	"github.com/golang/glog"
@@ -81,6 +82,10 @@ func (fetcher *HttpFetcher) FetchRequests(ctx context.Context, requestIDs []stri
 	return
 }
 
+func (fetcher *HttpFetcher) FetchAccount(ctx context.Context, accountID string) (*config.Account, error) {
+	return nil, nil
+}
+
 func (fetcher *HttpFetcher) FetchCategories(ctx context.Context, primaryAdServer, publisherId, iabCategory string) (string, error) {
 	if fetcher.Categories == nil {
 		fetcher.Categories = make(map[string]map[string]stored_requests.Category)
diff --git a/stored_requests/config/config.go b/stored_requests/config/config.go
index e8f6b0bdf46..af690ff9345 100644
--- a/stored_requests/config/config.go
+++ b/stored_requests/config/config.go
@@ -105,7 +105,7 @@ func CreateStoredRequests(cfg *config.StoredRequestsSlim, metricsEngine pbsmetri
 //
 // As a side-effect, it will add some endpoints to the router if the config calls for it.
 // In the future we should look for ways to simplify this so that it's not doing two things.
-func NewStoredRequests(cfg *config.Configuration, metricsEngine pbsmetrics.MetricsEngine, client *http.Client, router *httprouter.Router) (db *sql.DB, shutdown func(), fetcher stored_requests.Fetcher, ampFetcher stored_requests.Fetcher, categoriesFetcher stored_requests.CategoryFetcher, videoFetcher stored_requests.Fetcher) {
+func NewStoredRequests(cfg *config.Configuration, metricsEngine pbsmetrics.MetricsEngine, client *http.Client, router *httprouter.Router) (db *sql.DB, shutdown func(), fetcher stored_requests.Fetcher, ampFetcher stored_requests.Fetcher, accountsFetcher stored_requests.AccountFetcher, categoriesFetcher stored_requests.CategoryFetcher, videoFetcher stored_requests.Fetcher) {
 	// Build individual slim options from combined config struct
 	slimAuction, slimAmp := resolvedStoredRequestsConfig(cfg)
 
@@ -120,6 +120,7 @@ func NewStoredRequests(cfg *config.Configuration, metricsEngine pbsmetrics.Metri
 	fetcher2, shutdown2 := CreateStoredRequests(&slimAmp, metricsEngine, client, router, &dbc)
 	fetcher3, shutdown3 := CreateStoredRequests(&cfg.CategoryMapping, metricsEngine, client, router, &dbc)
 	fetcher4, shutdown4 := CreateStoredRequests(&cfg.StoredVideo, metricsEngine, client, router, &dbc)
+	fetcher5, shutdown5 := CreateStoredRequests(&cfg.Accounts, metricsEngine, client, router, &dbc)
 
 	db = dbc.db
 
@@ -127,12 +128,14 @@ func NewStoredRequests(cfg *config.Configuration, metricsEngine pbsmetrics.Metri
 	ampFetcher = fetcher2.(stored_requests.Fetcher)
 	categoriesFetcher = fetcher3.(stored_requests.CategoryFetcher)
 	videoFetcher = fetcher4.(stored_requests.Fetcher)
+	accountsFetcher = fetcher5.(stored_requests.AccountFetcher)
 
 	shutdown = func() {
 		shutdown1()
 		shutdown2()
 		shutdown3()
 		shutdown4()
+		shutdown5()
 	}
 
 	return
diff --git a/stored_requests/data/by_id/accounts/test.json b/stored_requests/data/by_id/accounts/test.json
new file mode 100644
index 00000000000..76bafff7f1c
--- /dev/null
+++ b/stored_requests/data/by_id/accounts/test.json
@@ -0,0 +1,14 @@
+{
+    "id": "test",
+    "name": "test account",
+    "disabled": true,
+    "cache_ttl": {
+        "banner": 600,
+        "video": 3600,
+        "native": 3600,
+        "audio": 3600
+    },
+    "events": {
+        "enabled": true
+    }
+}
diff --git a/stored_requests/fetcher.go b/stored_requests/fetcher.go
index 23fdb6b4925..a8d08f11ad4 100644
--- a/stored_requests/fetcher.go
+++ b/stored_requests/fetcher.go
@@ -5,6 +5,7 @@ import (
 	"encoding/json"
 	"fmt"
 
+	"github.com/prebid/prebid-server/config"
 	"github.com/prebid/prebid-server/pbsmetrics"
 )
 
@@ -25,6 +26,11 @@ type Fetcher interface {
 	FetchRequests(ctx context.Context, requestIDs []string, impIDs []string) (requestData map[string]json.RawMessage, impData map[string]json.RawMessage, errs []error)
 }
 
+type AccountFetcher interface {
+	// FetchAccount fetches the host account configuration for a publisher
+	FetchAccount(ctx context.Context, accountID string) (*config.Account, error)
+}
+
 type CategoryFetcher interface {
 	// FetchCategories fetches the ad-server/publisher specific category for the given IAB category
 	FetchCategories(ctx context.Context, primaryAdServer, publisherId, iabCategory string) (string, error)
@@ -33,6 +39,7 @@ type CategoryFetcher interface {
 // AllFetcher is an interface that encapsulates both the original Fetcher and the CategoryFetcher
 type AllFetcher interface {
 	FetchRequests(ctx context.Context, requestIDs []string, impIDs []string) (requestData map[string]json.RawMessage, impData map[string]json.RawMessage, errs []error)
+	FetchAccount(ctx context.Context, accountID string) (*config.Account, error)
 	FetchCategories(ctx context.Context, primaryAdServer, publisherId, iabCategory string) (string, error)
 }
 
@@ -181,6 +188,10 @@ func (f *fetcherWithCache) FetchRequests(ctx context.Context, requestIDs []strin
 	return
 }
 
+func (f *fetcherWithCache) FetchAccount(ctx context.Context, accountID string) (*config.Account, error) {
+	return f.fetcher.FetchAccount(ctx, accountID)
+}
+
 func (f *fetcherWithCache) FetchCategories(ctx context.Context, primaryAdServer, publisherId, iabCategory string) (string, error) {
 	return "", nil
 }
diff --git a/stored_requests/fetcher_test.go b/stored_requests/fetcher_test.go
index c1040acdb90..ec41e5e644f 100644
--- a/stored_requests/fetcher_test.go
+++ b/stored_requests/fetcher_test.go
@@ -6,6 +6,7 @@ import (
 	"errors"
 	"testing"
 
+	"github.com/prebid/prebid-server/config"
 	"github.com/prebid/prebid-server/pbsmetrics"
 
 	"github.com/stretchr/testify/assert"
@@ -215,6 +216,10 @@ func (f *mockFetcher) FetchRequests(ctx context.Context, requestIDs []string, im
 	return args.Get(0).(map[string]json.RawMessage), args.Get(1).(map[string]json.RawMessage), args.Get(2).([]error)
 }
 
+func (a *mockFetcher) FetchAccount(ctx context.Context, accountID string) (*config.Account, error) {
+	return nil, nil
+}
+
 func (f *mockFetcher) FetchCategories(ctx context.Context, primaryAdServer, publisherId, iabCategory string) (string, error) {
 	return "", nil
 }
diff --git a/stored_requests/multifetcher.go b/stored_requests/multifetcher.go
index 24cf848448c..39bd921030d 100644
--- a/stored_requests/multifetcher.go
+++ b/stored_requests/multifetcher.go
@@ -4,6 +4,8 @@ import (
 	"context"
 	"encoding/json"
 	"fmt"
+
+	"github.com/prebid/prebid-server/config"
 )
 
 // MultiFetcher is a Fetcher composed of multiple sub-Fetchers that are all polled for results.
@@ -36,6 +38,17 @@ func (mf MultiFetcher) FetchRequests(ctx context.Context, requestIDs []string, i
 	return
 }
 
+func (mf MultiFetcher) FetchAccount(ctx context.Context, accountID string) (*config.Account, error) {
+	for _, f := range mf {
+		if af, ok := f.(AccountFetcher); ok {
+			if account, err := af.FetchAccount(ctx, accountID); err == nil {
+				return account, nil
+			}
+		}
+	}
+	return nil, NotFoundError{accountID, "Account"}
+}
+
 func (mf MultiFetcher) FetchCategories(ctx context.Context, primaryAdServer, publisherId, iabCategory string) (string, error) {
 	for _, f := range mf {
 		if cf, ok := f.(CategoryFetcher); ok {