# Federal Register Consumer Finance Regulatory Changes Feed

> Federal Register Consumer Finance Regulatory Changes Feed is a paid API for AI agents from oracles-production.up.railway.app, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-15).

Returns Federal Register final and proposed rules for consumer lending and payments since a given timestamp, each scored 1–10 for compliance impact with effective dates and primary-source links.

## Facts

- Endpoint: GET https://oracles-production.up.railway.app/v1/reg-consumer-finance/changes
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/federal-register-consumer-finance-regulatory-changes-feed-b7e72443
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_6w76B6LXT8oA5riS6sDpS

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 federal-register-consumer-finance-regulatory-changes-feed-b7e72443
```

Example prompt: Pull all Federal Register consumer finance and payments regulatory changes since 2025-01-01T00:00:00Z with a compliance significance of at least 7, up to 50 results, so I can review what high-impact rules our lending team needs to act on.

## When to prefer this

Use this endpoint when you need structured, pre-scored regulatory intelligence specifically for consumer lending and payments rules from the Federal Register, especially when you need to filter by recency and compliance impact threshold. Prefer this over generic Federal Register search when you want scored significance, effective dates, and direct source links bundled together in one call without needing to scrape or parse FR documents yourself.

## Known failure modes

- Invalid or malformed 'since' timestamp returns a 400 validation error
- min_significance or limit out of allowed range (1–10 / 1–500) returns a 400 error
- No changes found in the given window returns an empty changes array with count 0
- Upstream Federal Register API unavailability may cause 502 or 503 responses
- x402 payment not fulfilled results in 402 Payment Required error

## How this service works

Federal Register final & proposed rules affecting consumer lending & payments (Consumer Financial Protection Bureau) since a timestamp — covering consumer financial, fair credit, electronic fund, truth in lending, overdraft — each scored 1-10 for compliance impact, with effective dates and primary-source links.

## Output

A JSON object containing a count of matching changes and an array of change records, each with a title, type, summary, compliance significance score (1–10), effective date, detected-at timestamp, entity ID, and a primary-source link to the Federal Register for verification.

## 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": {
      "limit": {
       "type": "integer",
       "maximum": 500,
       "minimum": 1
      },
      "since": {
       "type": "string",
       "format": "date-time",
       "description": "Only changes detected after this ISO-8601 instant"
      },
      "min_significance": {
       "type": "integer",
       "maximum": 10,
       "minimum": 1,
       "description": "Keep only changes scored at least this"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "count": {
       "type": "integer"
      },
      "source": {
       "type": "string"
      },
      "changes": {
       "type": "array",
       "items": {
        "type": "object",
        "properties": {
         "type": {
          "type": "string"
         },
         "title": {
          "type": "string"
         },
         "detail": {
          "type": "object"
         },
         "summary": {
          "type": "string"
         },
         "entityId": {
          "type": "string"
         },
         "sourceUrl": {
          "type": [
           "string",
           "null"
          ],
          "description": "Primary-source link for verification"
         },
         "detectedAt": {
          "type": "string",
          "format": "date-time"
         },
         "significance": {
          "type": "integer",
          "maximum": 10,
          "minimum": 1
         },
         "effectiveDate": {
          "type": [
           "string",
           "null"
          ]
         }
        }
       }
      }
     }
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/federal-register-consumer-finance-regulatory-changes-feed-b7e72443/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from oracles-production.up.railway.app](https://www.zero.xyz/host/oracles-production.up.railway.app/llms.txt)