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US Consumer Protection Law Citation Lookup
x402
US Consumer Protection Law Citation Lookup is a paid API for AI agents from royal-ruby-x402.fly.dev, paid per call via x402, $0.25/call, status unknown (last checked 2026-09-15).
Looks up US federal and state consumer-protection law citations (FCRA, FDCPA, TILA, UDAP) on a given topic, returning formal citations, plain-English summaries, key provisions, reporting timelines, statute of limitations, and required documentation.
Price / call$0.25
Success—
StatusUnknown
How this service works
Look up US federal and state consumer-protection law citations on a topic. Returns FCRA / FDCPA / TILA / state UDAP statutes with formal citations, plain-English summaries, key provisions, reporting timelines, statute of limitations, and required documentation. INFORMATION ONLY — not legal advice. Useful for legal research AI agents, paralegals, dispute-letter drafting bots, and consumer-rights journalism.
Output
Returns a structured object containing formal legal citations for relevant federal statutes (FCRA, FDCPA, TILA) and applicable state UDAP laws, along with plain-English summaries of each statute, key provisions, reporting timelines, statute of limitations periods, and required documentation — all scoped to the requested topic.
Example use cases
Draft complaint letter for credit reporting error
“I need to send a complaint about inaccurate information on my credit report. Can you look up the FCRA statutes and state laws that cover credit reporting errors, including the plain-English summaries, key provisions, statute of limitations, and what documentation I'll need to include?”
Identify unfair payday lending practices under law
“I got trapped in a payday loan cycle with predatory fees. Can you look up the federal and state consumer protection laws covering payday lending, including TILA and state UDAP statutes, with plain-English summaries, reporting timelines, and the statute of limitations for filing a claim?”
Research legal obligations for debt collection calls
“A debt collector keeps calling me outside of business hours. Can you look up the FDCPA rules and any state laws that regulate when and how often debt collectors can contact consumers, including key provisions, statute of limitations, and what documentation I should gather?”
Technical details
Endpoint
POSThttps://royal-ruby-x402.fly.dev/api/law-lookupWhen to prefer
Prefer this endpoint when an agent needs formal, citable US consumer protection law references (FCRA, FDCPA, TILA, state UDAP) with structured metadata like SOL periods, timelines, and documentation requirements — especially for dispute-letter drafting, paralegal research, or consumer-rights reporting. Not appropriate for general legal advice, non-US jurisdictions, or areas of law outside consumer protection.
Side effects
- Topic too vague or unrelated to US consumer protection law — may return empty or irrelevant results
- Input schema missing required 'input' wrapper object — returns validation error
- Service unavailable or payment not processed — returns HTTP 402 or 5xx error
- Topic spans too many jurisdictions — may return incomplete state-level coverage
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| properties | string |
Output
Schema · Response
{
"type": "json",
"example": {
"ok": true,
"result": {
"topic": "credit-report disputes for collection accounts",
"timelines": [
{
"rule": "Most negative items reporting limit",
"source": "15 U.S.C. § 1681c(a)(4)",
"duration": "7 years from date of first delinquency"
}
],
"confidence": "high",
"disclaimer": "Information only. Not legal advice. Verify citations independently.",
"jurisdiction": {
"scope": "both",
"state": "LA"
},
"federal_citations": [
{
"statute": "FCRA",
"summary": "Requires CRAs to investigate disputed items within 30 days and delete or modify if not verified.",
"citation": "15 U.S.C. § 1681i",
"section_title": "Procedure in case of disputed accuracy",
"key_provisions": [
"30-day investigation window",
"Furnisher must reinvestigate",
"Item deleted if unverifiable"
]
}
],
"statute_of_limitations": {
"source": "La. Civ. Code art. 3494",
"applies": true,
"duration_years": 3,
"starts_running": "Date of last payment or written acknowledgment"
}
}
}
}Tags
x402
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