# Banking Compliance Content Checker

> Banking Compliance Content Checker is a paid API for AI agents from banking-compliance-production.up.railway.app, paid per call via x402, $0.005/call, status unknown (last checked 2026-09-14).

Checks marketing or training text against 56 federal banking compliance rules and returns specific violations with regulatory citations

## Facts

- Endpoint: GET https://banking-compliance-production.up.railway.app/api/check
- Price: $0.005/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/banking-compliance-content-checker-420a9db0
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_HVS3FWYtMU5ghY5GlD_Kv

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability banking-compliance-content-checker-420a9db0
```

Example prompt: Can you check this mortgage ad copy for federal banking compliance violations: 'Get approved for our 30-year fixed mortgage — no income verification needed, rates as low as 3%!' — run it against the banking compliance checker for a mortgage product type.

## When to prefer this

Choose this endpoint when you need automated, citation-backed federal banking compliance validation of marketing copy, disclosures, or training content — especially when you need specific regulatory references (Reg DD, Reg Z, UDAAP, ECOA, BSA) rather than general legal advice. Ideal for fintech teams, compliance officers, or marketing departments who need fast pre-publication checks across 56 federal rules without manually consulting regulatory text.

## Known failure modes

- Missing 'text' query parameter returns an error asking for required input
- Invalid or unsupported product_type may result in generic rule application or an error
- Very long text inputs may be truncated or cause timeout
- Ambiguous or non-English content may produce inaccurate violation detection
- Service unavailability on Railway hosting may return 502/503 errors
- Payment failure via x402 protocol results in 402 response before content is checked

## How this service works

Check marketing or training content against 56 federal banking compliance rules. Returns violations with regulatory citations.

## Output

Returns a structured response listing any compliance violations found in the submitted text, including specific rule references (e.g. Reg DD, Reg Z, UDAAP, ECOA, BSA), citation details for each violation, and the relevant regulatory language — enabling the user to understand exactly which rules were broken and how.

## Request schema (JSON Schema)

```json
{
 "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": {
      "text": {
       "type": "string"
      },
      "product_type": {
       "type": "string"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/banking-compliance-content-checker-420a9db0/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from banking-compliance-production.up.railway.app](https://www.zero.xyz/host/banking-compliance-production.up.railway.app/llms.txt)