{"uid":"cap_Kb1zQOWlzVNt7l3v-NSSE","slug":"consumer-lending-payments-compliance-brief-c86c84ae","name":"Consumer Lending & Payments Compliance Brief","description":"LLM-written compliance digest of the consumer lending & payments rules in the window that actually matter (consumer financial, fair credit, electronic fund, truth in lending, overdraft) — issuing agency named, deadlines called out.","url":"https://oracles-production.up.railway.app/v1/reg-consumer-finance/brief","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET"],"type":"string"},"queryParams":{"type":"object","properties":{"since":{"type":"string","format":"date-time","description":"Window start (default: last 30 days)"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","properties":{"brief":{"type":"string"},"generatedBy":{"enum":["llm","template"],"type":"string"},"basedOnChanges":{"type":"integer"}}}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.25","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.25/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.25","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.25","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_3IBgxLuyhtAUmDYX0aFSZ","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.25","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns an LLM-generated digest summarizing the most important consumer lending and payments regulatory changes from the Federal Register within a specified time window, with deadlines highlighted.","exampleAgentPrompt":"Give me a compliance brief on the consumer lending and payments rules that have come out since January 1, 2025 — just the ones that actually matter, with any deadlines called out.","exampleUseCases":null,"resultDescription":"A structured object containing: a `brief` field with an LLM-written narrative digest of the most material consumer lending and payments regulatory changes in the window; `generatedBy` indicating whether it was produced by an LLM or template; and `basedOnChanges` indicating how many Federal Register entries informed the summary.","failureModes":["No relevant regulatory changes in the window returns a brief with basedOnChanges of 0 or a minimal digest","Invalid `since` date-time format returns a 400 validation error","Upstream Federal Register data unavailable causes a 5xx error","LLM generation failure may fall back to template-based output (reflected in generatedBy field)","Payment not completed (x402) returns 402 Payment Required"],"whenToPreferThis":"Use this endpoint when you need a concise, human-readable summary of consumer lending and payments compliance developments rather than raw regulatory data. Prefer this over the raw Federal Register endpoints when your goal is a quick brief for a compliance officer or decision-maker, not structured data for downstream processing. Best for recurring compliance monitoring workflows covering CFPB-adjacent rules, Truth in Lending, payments network regulations, and similar consumer finance topics.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T07:00:50.979Z","isFirstParty":false}