{
  "schema": "kallipolis.resource-quality.v1",
  "id": "resource.public-data.cfpb-hmda-api",
  "version": "1.0.0",
  "title": "CFPB HMDA data API boundary",
  "summary": "Official-source access, authentication, request-shaping, freshness, legal, and interpretation boundaries for CFPB HMDA data API.",
  "content": {
    "kind": "public-data-api-boundary",
    "facts": [
      {
        "id": "fact.cfpb.hmda-api.access",
        "statement": "The official HMDA platform provides public mortgage-market datasets, institution metadata, aggregate products, and Data Browser API access for filterable loan-level disclosures.",
        "normativeLevel": "informative",
        "sourceIds": [
          "source.cfpb.hmda-api"
        ]
      },
      {
        "id": "fact.cfpb.hmda-api.authentication",
        "statement": "Public data retrieval does not require filer credentials and does not grant filing-platform, lender-account, correction, supervisory, or disclosure-policy authority.",
        "normativeLevel": "informative",
        "sourceIds": [
          "source.cfpb.hmda-api"
        ]
      },
      {
        "id": "fact.cfpb.hmda-api.request",
        "statement": "Clients must bind data year, geography, institution identifiers, available public fields, filters, and export shape and must account for files too large for common spreadsheet tools.",
        "normativeLevel": "informative",
        "sourceIds": [
          "source.cfpb.hmda-api"
        ]
      },
      {
        "id": "fact.cfpb.hmda-api.boundary",
        "statement": "HMDA data is reported and disclosure-modified under statutory rules; it can contain revisions and cannot alone establish discrimination, underwriting correctness, borrower identity, or legal liability.",
        "normativeLevel": "informative",
        "sourceIds": [
          "source.cfpb.hmda-api"
        ]
      }
    ]
  },
  "language": "en",
  "category": "public-data-api",
  "state": "prepared",
  "canonicalUrl": "https://platoskallipolis.com/resources/public-data-apis/cfpb-hmda-api.json",
  "contentHash": "sha256:33f94043e8dbb780be4162072c3c44204f471b8f5ecfaf75fe11cfd6d8b949a0",
  "owner": {
    "id": "platos-kallipolis",
    "name": "Plato's Kallipolis",
    "type": "organization",
    "accountabilityUrl": "https://platoskallipolis.com/about"
  },
  "access": {
    "mode": "public",
    "url": "https://platoskallipolis.com/resources/public-data-apis/cfpb-hmda-api.json",
    "authentication": "none",
    "robotsAllowed": true
  },
  "provenance": {
    "method": "primary-source",
    "sources": [
      {
        "id": "source.cfpb.hmda-api",
        "url": "https://ffiec.cfpb.gov/",
        "title": "HMDA data and API documentation hub",
        "publisher": "Consumer Financial Protection Bureau",
        "observedAt": "2026-08-28T15:06:26Z"
      }
    ]
  },
  "observedAt": "2026-08-28T15:06:26Z",
  "freshness": {
    "policy": "max-age",
    "state": "current",
    "nextReviewAt": "2026-09-04T15:06:26Z",
    "maxAgeSeconds": 604800
  },
  "license": {
    "id": "source-terms-apply",
    "url": "https://www.consumerfinance.gov/privacy/website-privacy-policy/",
    "redistributionAllowed": false
  },
  "evidence": [
    {
      "id": "evidence.cfpb.hmda-api",
      "type": "source-claim",
      "url": "https://ffiec.cfpb.gov/",
      "observedAt": "2026-08-28T15:06:26Z"
    }
  ]
}