---
title: "TRID APR Accuracy Verifier"
method: POST
path: "/v1/tools/verify_trid_apr_accuracy"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# TRID APR Accuracy Verifier

`POST /v1/tools/verify_trid_apr_accuracy`

## Request

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

TRID APR accuracy check per Reg Z §1026.22(a). Verifies disclosed APR against actual APR within 1/8 percentage point tolerance for regular transactions or 1/4 percentage point for irregular transactions. Returns verdict: accurate, accurate_overstated_ok, understated_violation, or overstated_violation. APR understatement is a TILA violation; overstatement within tolerance is not.

**Tool URL:** https://ainumbers.co/chaingraph/art-217-trid-apr-accuracy.html

## Request body

- object
  - `actual_apr_pct` number: Percentage value
  - `disclosed_apr_pct` number: Percentage value
  - `has_demand_feature` boolean, required
  - `irregular_payment_amounts` boolean, required
  - `irregular_payment_periods` boolean, required
  - `num_advances` number

## Response `200`

Successful tool execution result

- object
  - `abs_difference_pct` number
  - `actual_apr_pct` number
  - `difference_pct` number
  - `disclosed_apr_pct` number
  - `headroom_pct` number
  - `irregularity_reasons` unknown[]
    - unknown
  - `is_irregular_transaction` boolean
  - `note` string
  - `regulatory_basis` string
  - `tolerance_pct` number
  - `verdict` string
  - `within_tolerance` 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)