Install Jentic One Beta

Connect the The Consumer Financial Protection Bureau to your agent

Jentic One is a self-hosted execution layer for AI agents. It lets your agent call the The Consumer Financial Protection Bureau, or any other public or private API you need. You set the rules, the agent never sees your credentials, and every call is logged.

Two steps, two machines. Install the instance in a safe environment, then register your agent from wherever it runs.

Step 1: Jentic One Host machine

# On the machine that will host your Jentic One instance:
curl -fsSL "https://jentic.com/install.sh?src=apis&api=%2Fapis%2Fconsumerfinance.gov%2Fconsumerfinance" | sh

Step 2: Agent machine

# On the machine where your agent runs (keep this separate from the instance):
curl -fsSL "https://jentic.com/install.sh?src=apis&api=%2Fapis%2Fconsumerfinance.gov%2Fconsumerfinance" | sh
jentic register       # connects your agent to your Jentic One instance

Jentic One is in public beta. The setup above keeps your agent separate from the instance, which is what you want before using real credentials: an agent running as the same OS user as Jentic One can read its stored keys directly. Just evaluating? A single local install is fine to start. See the secure deployment guide for the tiers.

Capabilities

What an agent can do with The Consumer Financial Protection Bureau API.

List available CFPB datasets exposed through the data endpoint

Retrieve HMDA dataset records by dataset id

Look up HMDA concepts such as loan purpose, action taken, and applicant race code definitions

Query HMDA data slices for filtered subsets of mortgage application records

GET STARTED

Start building with The Consumer Financial Protection Bureau API

Explore with Jentic One

View OpenAPI Document

Use Cases

Patterns agents use The Consumer Financial Protection Bureau API for, with concrete tasks.

★ Fair-Lending Research and Reporting

Academic researchers, journalists, and consumer-advocacy groups query HMDA data to analyse mortgage origination and denial patterns across demographic groups, lenders, and geographies. The CFPB API returns slice-level results with metadata describing columns and value lists, so analyses can be reproduced and audited. Results power studies and articles on disparities in home lending without requiring bulk data downloads.

Retrieve the HMDA slice for 2022 originations filtered to property_type='one-to-four-family' and county='06037' and aggregate counts by applicant_race

Lender Benchmarking for Fintech Underwriting

Mortgage fintech teams pull HMDA records to benchmark a lender's denial rates, average loan amounts, and demographic mix against peers in the same metropolitan statistical area. The slice endpoints support filter parameters and the metadata endpoint documents which columns can be filtered, making automated benchmarking pipelines feasible. Pulled data can feed downstream credit-policy or marketing models.

Pull HMDA slice for action_taken=3 (denied) by lender lei in MSA 31080 for 2022 and compute denial rate per lender

Public Data Journalism

Newsrooms generate maps and charts of mortgage activity by pulling HMDA slices keyed to census tract or county. Concept lookups translate code values such as 1, 2, 3 in action_taken into human-readable labels, so visualisations can be labelled correctly without a separate code dictionary. Because the API requires no key, production stories can launch without procurement delays.

Fetch the HMDA concept definition for action_taken and map each code to a label, then query slice data for ZIP-region tracts and produce a county-level denial-rate table

AI Agent Mortgage Data Lookup via Jentic

An AI agent embedded in a research or compliance tool uses Jentic to discover and call CFPB HMDA endpoints when a user asks about home lending data. Jentic returns the matching operation, schema, and concept definitions, and the agent can chain a concept lookup with a slice query in one workflow. No credentials are required because the API is open data.

Search Jentic for 'query CFPB HMDA mortgage data', load the slice endpoint schema, and execute a query for 2022 originations in the Chicago MSA grouped by applicant_race

Key Endpoints

6 endpoints — jentic publishes the only available openapi specification for the consumer financial protection bureau, keeping it validated and agent-ready.

METHOD

PATH

DESCRIPTION

GET

/data

List available CFPB datasets

GET

/data/{dataset}

Retrieve a specific dataset by id

GET

/data/hmda

Entry point for HMDA dataset access

GET

/data/hmda/concept/{concept}

Look up an HMDA concept code definition

GET

/data/hmda/slice/{slice}

Query a filtered HMDA data slice

GET

/data/hmda/slice/{slice}/metadata

Retrieve column metadata for an HMDA slice

GET

/data

List available CFPB datasets

GET

/data/{dataset}

Retrieve a specific dataset by id

GET

/data/hmda

Entry point for HMDA dataset access

GET

/data/hmda/concept/{concept}

Look up an HMDA concept code definition

GET

/data/hmda/slice/{slice}

Query a filtered HMDA data slice

GET

/data/hmda/slice/{slice}/metadata

Retrieve column metadata for an HMDA slice

Why Jentic?

What agents get from Jentic-routed access to this vendor.

Setup

Wiring the Consumer Financial Protection Bureau HMDA API by hand means learning its dataset, concept, and slice URL grammar and handling paging yourself, even though it needs no credentials. Through Jentic you install once, import the CFPB API from the API Directory, and your agent calls it with audit logging and rate-limit handling applied consistently.

Permission scoping

The CFPB HMDA API is public and read-only, so you limit the agent to the GET operations it needs, such as querying a dataset or reading slice metadata, and it can retrieve nothing beyond that set. Because every operation only reads public mortgage data, there is nothing for the agent to modify or delete.

Credential isolation

The CFPB HMDA API needs no credential, and Jentic One still records each call so its usage sits in the same audit trail as the authenticated APIs your agent uses. No secret enters the agent's prompt, logs, or context.

Intent-based discovery

Agents search Jentic by intent such as 'query the HMDA mortgage dataset', and Jentic returns the matching CFPB operation with its input schema so the agent calls the right endpoint without browsing the reference docs.

FAQs

Specific to using The Consumer Financial Protection Bureau API through Jentic.

Why is there no official OpenAPI spec for The Consumer Financial Protection Bureau?

The CFPB does not publish an OpenAPI specification. Jentic generates and maintains this spec so that AI agents and developers can call the CFPB HMDA API via structured tooling. It is validated against the live API and kept up to date. Get started with Jentic One, the self-hosted execution layer.

What authentication does The Consumer Financial Protection Bureau API use?

The CFPB HMDA API is open data and does not require authentication or an API key. Through Jentic the request is executed directly against api.consumerfinance.gov with no credentials in agent context.

Can I query HMDA mortgage data with The Consumer Financial Protection Bureau API?

Yes. GET /data/hmda/slice/{slice} returns filtered HMDA records and GET /data/hmda/slice/{slice}/metadata returns the column definitions for that slice. Concept code definitions such as action_taken values are available at GET /data/hmda/concept/{concept}.

What are the rate limits for The Consumer Financial Protection Bureau API?

CFPB does not publish hard rate limits for the public HMDA API but heavy or repeated bulk pulls should be paginated and cached. Through Jentic, retries with exponential backoff are handled at the SDK level so agents do not need to implement throttling logic themselves.

How do I look up an HMDA code definition with The Consumer Financial Protection Bureau API through Jentic?

Run `jentic.search('look up an HMDA concept definition')`, load the operation, and execute with the concept name (for example action_taken). Jentic resolves this to GET /data/hmda/concept/{concept} and returns the value list.

Is The Consumer Financial Protection Bureau API free?

Yes. CFPB HMDA data is published as open government data and the API is free to use under the agency's data licence. There are no paid tiers or quotas associated with this API.

Can I limit what my agent is allowed to do with the CFPB HMDA API?

Yes. Because you run Jentic One yourself, your own rules decide which CFPB operations the agent may call, so you can allow only the GET requests it needs, such as listing datasets, querying an HMDA slice, or reading slice metadata and concept definitions. Since every CFPB HMDA operation only reads public mortgage data, the agent has nothing it can modify or delete, and anything you leave out of its allowed set stays out of reach. No credential is needed, and each call the agent makes is recorded in your audit trail.

Consumerfinance Gov The Consumer Financial Protection Bureau

Name: The Consumer Financial Protection Bureau API
Brand: The Consumer Financial Protection Bureau
Availability: InStock

Agent-ready OpenAPI document · curated by JenticFinanceBankingnone6 EndpointsREST

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For Agents

Query U.S. Home Mortgage Disclosure Act (HMDA) data published by the Consumer Financial Protection Bureau, including dataset listings, concept lookups, and slice queries with metadata.

Use for: Get the list of HMDA datasets available from CFPB, Retrieve HMDA records for a specific year and metropolitan area, Look up the meaning of an HMDA action_taken code, Find all home mortgage applications denied for a given lender

Not supported: Does not handle credit reports, complaints, or consumer credit decisions - use for CFPB HMDA mortgage dataset queries only.

Jentic publishes the only available OpenAPI specification for The Consumer Financial Protection Bureau, keeping it validated and agent-ready. The CFPB API exposes Home Mortgage Disclosure Act (HMDA) data through dataset, concept, and slice endpoints so researchers, journalists, and fintech teams can query mortgage application and origination records by geography, lender, demographic group, and loan type. The six endpoints return JSON for programmatic use without an API key.

Jentic One on Github View OpenAPI Document