Compliance Documents

Compliance Document Reference Schema

Key	Data Type	Requirement	Example	Guidance
`document_id`	String	Required	`client_document_name.png`	Please use the file name of the Document delivered to Lead’s `/documents` SFTP directory.
`type`	Enum	Required	`partner_privacy_policy`	Please map all documents to one of the types below
`displayed_at`	datetime	Conditionally Required	`2025-12-31T09:30:00Z`	Please refer to the Compliance Document Types list to determine if this is required for the provided document `type`.
`consented_at`	datetime ISO8601	Conditionally Required	`2025-12-31T09:30:00Z`	Please refer to the Compliance Document Types list to determine if this is required for the provided document `type`.
version	string	Optional	`"v1"`	It is recommended to use this for static documents uploaded once and uploaded for many users. Uploads with a new version should have a different `document_id` as well.

Compliance Document Types

Type	Description	Required Fields
`aan`	Adverse Action Notice generated and sent/displayed to customer.	`displayed_at`
`loan_agreement`	Loan agreement displayed to customer.	`displayed_at`
`loc_agreement`	Line of Credit agreement displayed to customer.	`displayed_at`
`truth_in_lending_document`	Truth in Lending disclosure displayed to customer.	`displayed_at`
`ach_authorization`	ACH Payment Authorization displayed to customer.	`displayed_at`
`notice_of_incompleteness`	Notice of Incompleteness displayed to customer.	`displayed_at`
`credit_score_notice`	Credit score notice displayed to customer.	`displayed_at`
`offer_summary`	Offer Summary displayed to customer.	`displayed_at`
`personal_guarantee`	Personal Guaranty displayed to customer.	`displayed_at`
`consumer_credit_auth`	Credit pull authorization obtained from customer.	`displayed_at`
`partner_privacy_policy`	Partner’s Privacy Policy displayed to customer.	`displayed_at`
`lead_privacy_policy`	Lead’s Privacy Policy displayed to customer.	`displayed_at`
`terms_of_use`	Partner’s Terms of Use displayed to customer.	`displayed_at`
`esign_agreement`	eSign Agreement consented to by customer.	`consented_at`
`credit_pull_consent`	Credit pull authorization obtained from customer.	`consented_at`
`fcra_notice`	FCRA Notice displayed to customer.	`displayed_at`
`tcpa_consent`	TCPA consent displayed to customer.	`displayed_at`
`patriot_act_notice`	Patriot Act notice displayed to customer.	`displayed_at`
`mla_notice`	Military Lending Act notice displayed to customer.	`displayed_at`
`pre_approval_terms`	Pre-Approval Terms displayed to customer.	`displayed_at`
`eft_authorization`	EFT Authorization displayed to customer.	`displayed_at`
`prohibited_industry_certification`	Prohibited industry certification displayed to customer.	`displayed_at`
`decision_maker_document`	Decision maker document displayed to customer.	`displayed_at`
`bo_certification`	Business Owner Certification displayed to customer.	`displayed_at`
`missed_payments_policy`	Missed Payments Policy displayed to customer.	`displayed_at`
`consent_to_link_account`	Account link consent obtained from customer.	`consented_at`
`consent_to_link_hsa`	HSA link consent obtained from customer.	`consented_at`
`negative_option_consent`	Negative Option Consent obtained from customer.	`consented_at`
`lead_funds_transfer_agreement`	Funds transfer agreement displayed to customer.	`displayed_at`

Foundations

File Guides

Compliance Document Reference Schema

Compliance Document Types

​Compliance Document Reference Schema

​Compliance Document Types

Compliance Document Reference Schema

Compliance Document Types