The default for the date parameter causes TD Bank to return "Client is up to date". If that parameter is set to '19700101' it returns the account list successfully.

How is a user supposed to set that parameter though? After instantiating Institution() here...

inst = Institution(
    id='1002',
    org='CommerceBank',
    url='https://ofx.tdbank.com/eftxweb/td.ofx',
    username=tdbank.username,
    password=tdbank.password,
    client_args={
        'ofx_version': '103',
        'app_version': '2200',
        'id': tdbank.clientid,
    }
)

...calling inst.accounts() should just work, but for TD Bank it doesn't.

institution.accounts() doesn't take any parameters, so there's no way to override the default date parameter. Wouldn't it make sense to have that method accept **kwargs and pass them on to account_list_query()?

I will provide a PR to do just that. Afterwards, this call should work fine:

inst.accounts(date='19700101')