---
title: "Check CARD Act Ability to Pay"
method: POST
path: "/v1/tools/check_card_act_ability_to_pay"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# Check CARD Act Ability to Pay

`POST /v1/tools/check_card_act_ability_to_pay`

## Request

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

Evaluates a credit card application against CARD Act §1026.51 ability-to-pay requirements. Computes monthly minimum payment from the requested credit limit and minimum payment percentage. Checks DTI against the 45% threshold using income and assets. Applies the under-21 independent-income restriction (§1026.51(b)). Reports the §1026.52(b) penalty fee safe harbor ($32 first violation / $43 subsequent). CFPB $8 late fee rule vacated January 17, 2025 (Fifth Circuit, No. 24-10266); $32/$43 thresholds remain in effect.

**Tool URL:** https://ainumbers.co/chaingraph/art-233-check-card-act-ability-to-pay.html

## Request body

- object
  - `annual_income` number
  - `applicant_age` number
  - `has_cosigner` boolean, required
  - `method` unknown, required
  - `minimum_payment_pct` number: Percentage value
  - `monthly_debt_obligations` number
  - `monthly_housing_payment` number
  - `requested_credit_limit` number
  - `total_assets` number

## Response `200`

Successful tool execution result

- object
  - `ability_to_pay_result` string
  - `annual_income` integer
  - `annual_minimum_payments_est` integer
  - `dti_ratio` integer
  - `dti_threshold` number
  - `has_cosigner` boolean
  - `income_and_assets` integer
  - `method_a_sufficient` boolean
  - `method_b_sufficient` boolean
  - `method_used` string
  - `monthly_debt_obligations` integer
  - `monthly_housing_payment` integer
  - `monthly_income` integer
  - `monthly_minimum_payment_est` integer
  - `penalty_fee_safe_harbor` object
    - `first_violation` integer
    - `rule_note` string
    - `subsequent_within_6_cycles` integer
    - `table_version` string
  - `pii_note` string
  - `regulatory_basis` string
  - `requested_credit_limit` integer
  - `requires_cosigner` boolean
  - `table_source` string
  - `table_version` string
  - `total_assets` integer
  - `total_monthly_obligations` integer
  - `under_21_restriction` boolean

---

[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)