Regulatory screening run against a loan file before it proceeds: reporting obligations, ability-to-repay tests, and state licensing.
The checks are a gate rather than a report. A file that fails an ability-to-repay test or falls outside a lender's licensed states is not a file to keep processing, so the check runs early enough to stop work rather than to document it afterwards.
The operations below come from a service that routes compliance, quality control and the federal consumer-protection checks under one contract. The rules themselves are declared in Rule, which is where eligibility logic across every product is expressed.
{
"collection_id": "e4502ed2-8df8-4b8f-84bd-a1097e999a77",
"message": "When ready, data will be available under the following collection_id. Use this new collection_id to get the execution status."
}
Parameters
1
Parameter
Type
Example
Description
x-api-keyrequired
stringheader
xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx
Authorization key
Request bodyapplication/json
3 fields
Field
Type
Description
transaction_idrequired
string
Transaction ID
collection_idrequired
string
Collection ID
partner_namerequired
string
—
Response 200application/json
2 fields
CFPB request created successfully.
Field
Type
Description
collection_id
string
Collection ID
message
string
Message
GET/cfpb/elements
Retrieve Elements
get-cfpb-elements
Retrieve Elements provides a list of the elements needed to invoke a partner product.
Parameters
1
Parameter
Type
Example
Description
x-api-keyrequired
stringheader
xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx
Authorization key
Response 200application/json
1 fields
Elements needed for request.
Field
Type
Description
elements
object
List of elements
POST/cfpb/elements/complete
Validate Collection
post-cfpb-collection-complete
Validate Collection validates that a collection contains all of the elements needed to invoke a partner product.
Parameters
1
Parameter
Type
Example
Description
x-api-keyrequired
stringheader
xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx
Authorization key
Request bodyapplication/json
1 fields
Field
Type
Description
collectionrequired
object
—
Response 400application/json
2 fields
Collection is invalid.
Field
Type
Description
message
string
Error message
errors
object
List of elements that are missing
Other responses
200
POST/cfpb/lexicon/elements
Retrieve Lexicon Elements
You can retrieve element structure by providing specific element names (XPaths).
Request bodyapplication/json
1 fields
Field
Type
Description
elements
string[]
An XPath to a valid staircase element
Other responses
200
GET/cfpb/status/{transaction_id}/{collection_id}
Retrieve Status
get-cfpb-status
Retrieve Status checks status of your request.
Possible statuses:
Create Transaction creates a transaction in Staircase.
A transaction in Staircase is an acknowledgement that you want to call a Staircase product. It's a container for everything associated with that product invocation, and is correlated with a collection related to the product (e.g. a document).
You need to create a new transaction every time you want to connect with a Staircase product. Staircase then associates everything, from a data and API execution standpoint, to that transaction.
{
"collection_id": "e4502ed2-8df8-4b8f-84bd-a1097e999a77",
"message": "When ready, data will be available under the following collection_id. Use this new collection_id to get the execution status."
}
Parameters
1
Parameter
Type
Example
Description
x-api-keyrequired
stringheader
xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx
Authorization key
Request bodyapplication/json
3 fields
Field
Type
Description
transaction_idrequired
string
Transaction ID
collection_idrequired
string
Collection ID
partner_namerequired
string
—
Response 200application/json
2 fields
Compliance request created successfully.
Field
Type
Description
collection_id
string
Collection ID
message
string
Message
GET/compliance/elements
Retrieve Elements
get-compliance-elements
Retrieve Elements provides a list of the elements needed to invoke a partner product.
Parameters
1
Parameter
Type
Example
Description
x-api-keyrequired
stringheader
xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx
Authorization key
Response 200application/json
1 fields
Elements needed for request.
Field
Type
Description
elements
object
List of elements
POST/compliance/elements/complete
Validate Collection
post-compliance-collection-complete
Validate Collection validates that a collection contains all of the elements needed to invoke a partner product.
Parameters
1
Parameter
Type
Example
Description
x-api-keyrequired
stringheader
xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx
Authorization key
Request bodyapplication/json
1 fields
Field
Type
Description
collectionrequired
object
—
Response 400application/json
2 fields
Collection is invalid.
Field
Type
Description
message
string
Error message
errors
object
List of elements that are missing
Other responses
200
POST/compliance/lexicon/elements
Retrieve Lexicon Elements
You can retrieve element structure by providing specific element names (XPaths).
Create Transaction creates a transaction in Staircase.
A transaction in Staircase is an acknowledgement that you want to call a Staircase product. It's a container for everything associated with that product invocation, and is correlated with a collection related to the product (e.g. a document).
You need to create a new transaction every time you want to connect with a Staircase product. Staircase then associates everything, from a data and API execution standpoint, to that transaction.
{
"collection_id": "e4502ed2-8df8-4b8f-84bd-a1097e999a77",
"message": "When ready, data will be available under the following collection_id. Use this new collection_id to get the execution status."
}
Parameters
1
Parameter
Type
Example
Description
x-api-keyrequired
stringheader
xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx
Authorization key
Request bodyapplication/json
3 fields
Field
Type
Description
transaction_idrequired
string
Transaction ID
collection_idrequired
string
Collection ID
partner_namerequired
string
—
Response 200application/json
2 fields
QC request created successfully.
Field
Type
Description
collection_id
string
Collection ID
message
string
Message
GET/qc/elements
Retrieve Elements
get-qc-elements
Retrieve Elements provides a list of the elements needed to invoke a partner product.
Parameters
1
Parameter
Type
Example
Description
x-api-keyrequired
stringheader
xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx
Authorization key
Response 200application/json
1 fields
Elements needed for request.
Field
Type
Description
elements
object
List of elements
POST/qc/elements/complete
Validate Collection
post-qc-collection-complete
Validate Collection validates that a collection contains all of the elements needed to invoke a partner product.
Parameters
1
Parameter
Type
Example
Description
x-api-keyrequired
stringheader
xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx
Authorization key
Request bodyapplication/json
1 fields
Field
Type
Description
collectionrequired
object
—
Response 400application/json
2 fields
Collection is invalid.
Field
Type
Description
message
string
Error message
errors
object
List of elements that are missing
Other responses
200
POST/qc/lexicon/elements
Retrieve Lexicon Elements
You can retrieve element structure by providing specific element names (XPaths).
Request bodyapplication/json
1 fields
Field
Type
Description
elements
string[]
An XPath to a valid staircase element
Other responses
200
GET/qc/status/{transaction_id}/{collection_id}
Retrieve Status
get-qc-status
Retrieve Status checks status of your request.
Possible statuses:
Create Transaction creates a transaction in Staircase.
A transaction in Staircase is an acknowledgement that you want to call a Staircase product. It's a container for everything associated with that product invocation, and is correlated with a collection related to the product (e.g. a document).
You need to create a new transaction every time you want to connect with a Staircase product. Staircase then associates everything, from a data and API execution standpoint, to that transaction.