> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lead.bank/llms.txt
> Use this file to discover all available pages before exploring further.

# Compliance Documents

> JSON reference for Documents in the applications and accounts files, covering document_id, type, consented_at, displayed_at, and version fields.

### 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](#compliance-document-types) list to determine if this is required for the provided document `type`.                     |
| `consented_at` | datetime<br /><br />[ISO8601](https://www.iso.org/iso-8601-date-and-time-format.html) | Conditionally Required | `2025-12-31T09:30:00Z`     | Please refer to the [Compliance Document Types](#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`      |