---
title: "T189 · BNPL Late Fee & Penalty Compliance Calculator — AINumbers.co"
method: POST
path: "/v1/tools/bnpl_late_fee_compliance_calculator"
---

# T189 · BNPL Late Fee & Penalty Compliance Calculator — AINumbers.co

`POST /v1/tools/bnpl_late_fee_compliance_calculator`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/bnpl_late_fee_compliance_calculator`
- Auth: none declared

Compare BNPL late fee structures against regulatory caps: FCA CONC 7 / HCSTC, EU CCD2 Art. 33, CFPB Reg Z, and NY DFS. Calculate remediation exposure for non-compliant fee structures.

**Tool URL:** https://ainumbers.co/tools/189-bnpl-late-fee-compliance-calculator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `chk-uk_hcstc` string
  - `chk-uk_standard` string
  - `chk-eu_ccd2` string
  - `chk-us_cfpb` string
  - `chk-ny_dfs` string
  - `currency` string
  - `flatFee` string
  - `pctFee` string
  - `avgBal` string
  - `tier1Fee` string
  - `tier2Fee` string
  - `tier3Fee` string

## Response `200`

Successful tool execution result

- object

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)