---
title: "Retail Installment Contract TILA Disclosure Checker"
method: POST
path: "/v1/tools/check_retail_installment_disclosures"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# Retail Installment Contract TILA Disclosure Checker

`POST /v1/tools/check_retail_installment_disclosures`

## Request

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

Ties declared retail-installment-contract Amount Financed, Finance Charge, and Total of Payments (12 CFR 1026.18) against a REUSED amortization schedule -- compose by feeding build_amortization_schedule's (art-332) output_payload straight in, or by reference via its totals and schedule_digest. Does not amortize itself. Also records a dealer-participation/markup declaration as an asserted, receipt-bound fair-lending adjacency note -- no discrimination determination is computed.

**Tool URL:** https://ainumbers.co/chaingraph/art-404-check-retail-installment-disclosures.html

## Request body

- object
  - `inputs` unknown

## Response `200`

Successful tool execution result

- object
  - `amortization_provenance` object
    - `num_payments` integer
    - `provenance_ok` boolean
    - `schedule_digest` string
    - `source_tool_id` string
    - `total_interest` number
    - `total_principal` integer
  - `amount_financed` integer
  - `compliant` boolean
  - `dealer_participation` object
    - `dealer_reserve_disclosed` boolean
    - `declaration_note` string
    - `disambiguation` string
    - `markup_pct` number
  - `disambiguation` string
  - `finance_charge` number
  - `regulatory_basis` string
  - `tie_outs` object[]
    - `computed` integer
    - `diff_cents` integer
    - `disclosed` integer
    - `label` string
    - `within_tolerance` boolean
  - `tolerance_cents` integer
  - `total_of_payments` number

---

[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)