# US Consumer Protection Law Citation Lookup

> 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.

## Facts

- Endpoint: POST https://royal-ruby-x402.fly.dev/api/law-lookup
- Price: $0.25/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/us-consumer-protection-law-citation-lookup-3bb82274
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_5W-dBMlW3EDzcWLKGwlIW

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 us-consumer-protection-law-citation-lookup-3bb82274 -d '<json body>'
```

Example prompt: Can you look up the federal and state consumer protection law citations covering debt collector harassment — I need the FDCPA statutes, plain-English summaries, key provisions, statute of limitations, and any required documentation for a dispute letter?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "properties": {
   "type": "string"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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"
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/us-consumer-protection-law-citation-lookup-3bb82274/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from royal-ruby-x402.fly.dev](https://www.zero.xyz/host/royal-ruby-x402.fly.dev/llms.txt)