Convert an approved finance request to an account

POST /finance_requests/{finance_request_id}/convert

Using the information in the finance request, create a new account. This also updates the finance request status to CONVERTED

Path parameters

Query parameters

  • effective_at string

    The timestamp with time zone that the account created from this finance request should be effective at

Responses

  • • 200 object

    Successful query of a finance request

    • finance_request_id string

      This is the ID used to identify the finance request in your system. For most use-cases, we strongly recommend using the ID from the system the request was originally created in -- for most use-cases, this is created as part of the origination system that approves a borrower. This will be the id that is used to refer to the finance request and account that is created from the finance request. Note: both strings and integers are accepted.

    • customer_id string

      The ID of the existing customer this finance request is on behalf of.

    • product_id string

      The ID of the existing product for which this finance request will be created.

    • external_fields object | null

      A JSON object of External Fields. These should be used to provide any additional static data to Canopy to associate with the finance request.

    • notes array[string]

      Any notes to attach to the finance request

      Not more than 100 elements.

    • requested_conversion_at string(date-time)

      The Date-Time that the borrower requests the account become active.

    • created_at string(date-time)

      The Date-Time that this finance request was created.

    • updated_at string(date-time)

      The Date-Time that this finance request was last updated.

    • conversion_at string(date-time)

      The Date-Time at which this finance request is converted into an account.

    • finance_request_status string

      The status of the finance request. Note: CONVERTED is a special final-state status which triggers the creation of the account. REJECTED and VOID are also final-state statuses.

      Values are PENDING, IN_REVIEW, APPROVED, CONVERTED, REJECTED, or VOID. Default value is PENDING.

    • account_id string

      The ID of the account that has been created using this finance request. This will only be populated when the finance request has reached the terminal status of OUTLAYED.

    • partner_entity object

      Information about additional third-parties related to the finance request.

    • create_account_details object
      • summary object
        • credit_limit_cents integer

          Total amount (in cents) that this account can borrow.

        • max_approved_credit_limit_cents integer

          Total amount (in cents) that this account can borrow.

        • late_fee_cents integer

          The fee charged for late payments on the account.

        • payment_reversal_fee_cents integer

          The fee charged for payment reversals on the account.

        • origination_fee_cents integer

          The fee charged at the time of loan origination

          Default value is 0.

        • origination_fee_percent number

          The fee as a percent of initial_principal_cents charged at the time of loan origination

          Default value is 0.

        • is_origination_fee_lesser_value boolean

          If this flag is false, the default, the origination fee will be assessed as the greater value of origination_fee_cents and origination_fee_percent / 100 * initial_principal_cents. If this flag is true, not the default, the origination fee will be assessed as the lesser value of origination_fee_cents and origination_fee_percent / 100 * initial_principal_cents.

          Default value is false.

        • is_origination_fee_amortized boolean

          If this flag is false, the default, then the origination fee will come due with the first statement. If the flag is true, not the default, the origination fee will amortize as a part of the loan creation process and the fee will be split into equal payments across the life of the loan.

          Default value is false.

        • annual_fee_cents integer Deprecated

          DEPRECATED - use recurring_fees instead.
          An annual fee to be charged yearly on December 31.

          Default value is 0.

        • monthly_fee_cents integer Deprecated

          DEPRECATED - use recurring_fees instead.
          A monthly fee to be charged monthly from the date of account creation. It will reflect on the subsequent statement once incurred.

          Default value is 0.

        • recurring_fees array[object] | null

          Configuration for a fee to be charged recurrently from the date of account effective_at

          • recurring_fee_interval string Required

            Frequency at which this fee will be charged to the account

          • recurring_fee_amount_cents integer Required

            Amount that will be charged from the account as a fee on a frequency defined by cycle_fee_interval (in cents)

            Default value is 0.

          • initial_delay_offset string

            Interval that defines the delay until the first recurring fee cycle starts from the moment the account was created

          • is_fee_interval_floored boolean

            Flag that when true, configures the scheduling of the fee line item at the end of the previous nearest interval unit.
            If recurring_fee_interval is 1 month, the first fee will be scheduled at the end of the current month. If recurring_fee_interval is 1 year, the fee line item will be scheduled at the end of this current year.
            Otherwise, no flooring will be applied to the interval and fees will be scheduled at the end of the day prior to account_creation_time + recurring_fee_interval + initial_delay_offset.
            Defaults to TRUE.

            Default value is true.

          • recurring_fee_label string

            Customer-configurable label to be displayed for this fee configuration

        • initial_principal_cents integer | null

          The initial principal balance (in cents) for the account.

        • late_fee_cap_percent number

          Any number as a percentage (e.g. 5=> 5%). This is the maximum late fee that can be charged in this account: as determined by late_fee_cap_percent * minimum payment.

        • payment_reversal_fee_cap_percent number

          Any number as a percentage (e.g. 5=> 5%). This is the maximum reversal fee that can be charged in this account, as determined by payment_reversal_fee_cap_percent * account principal as if the payment never occurred (as opposed to after the payment but before it's reversed)

      • post_promo_overview object
        • post_promo_impl_interest_rate_percent number

          The percentage interest applied to the account during the post-promotional period (e.g. 6.2). If not provide, will default to associated product's post_promo_default_interest_rate_percent value.

        • post_promo_len integer

          If applicable, post-promotional amortization length in cycles.

    • product object
      • product_id string Required

        A unique ID to identify the product with for future requests. If not provided at the time of product creation, Canopy will generate one.

      • created_at string(date-time)

        The Date-Time that this product was created on the server.

      • updated_at string(date-time)

        The Date-Time that this product was updated on the server.

      • effective_at string(date-time)

        The Date-Time as of which this product is effective on the server.

      • is_active boolean

        Indicates whether the product is active or inactive

      • product_overview object Required

        A series of static fields about the product.

      • product_lifecycle_policies object Required
        • payment_due_policies object

          The set of policies governing payment due information for the product.

          • delinquent_on_n_consecutive_late_fees integer

            After this number of consecutive late events, the account status shifts to suspended with a status subtype of delinquent

            Default value is 1.

          • charge_off_on_n_consecutive_late_fees integer

            After this number of consecutive late events, the account status shifts to suspended with a status subtype of charged_off

            Default value is 2.

          • pre_statement_payments_reduce_min_pay boolean

            If false, the default, payments mid-cycle (after the previous cycle's due date, but before the active cycle's statement date) on an installment product will not reduce the minimum payment as assessed on the accounts' upcoming statements, i.e. the full minimum payment for the cycle is still due after a statement.
            If true, not the default, payments mid-cycle on an installment product will reduce the minimum payment as assessed on the accounts' upcoming statements, i.e. making the full upcoming payment mid-cycle will output a minimum payment of $0 on the upcoming statement.
            Note that this only affects behavior of installment items, as payments towards revolving balances will always reduce the minimum payment due.

            Default value is false.

        • payment_pouring_policies object

          The set of policies governing payment pouring information for the product.

        • fee_policies object

          The set of policies governing fees for the product.

          • late_fee_grace string

            Amount of time between when a payment is due and when a late fee is assessed if no payments have been made.

            Default value is 5 days.

        • billing_cycle_policies object

          The set of policies governing the billing cycle for the product.

          • cycle_interval string Required

            The length of the billing cycle. after which a statement is generated, and a due date assigned. IE '1 month' '3 months' or '7 days' (most common is monthly)

          • cycle_due_interval string

            The amount of time before statement cut that the payment should be due for the billing cycle. If positive, it will count days from the start of the cycle. Note, this field has a signage convention: if negative, it will count days back from the end of the cycle. IE '25 days' indicates that payments are due 25 days after the statement is cut. -5 days indicates that payments will be due five days prior to the cut of the next cycle. Cannot exceed the duration of the billing cycle.

            Default value is -5 days.

          • first_cycle_interval string

            Defaults to value of cycle_interval. If applicable, the amount of time you would like between origination and the first statement cut. IE '10 days'. If you would like the first billing cycle to be the same length as all other billing cycles, either do not include this field in the request, or set its value to the same as cycle_interval

          • close_of_business_time string(time)

            Defaults to EST Midnight. Time of the close of business. Note* this value will be converted into the product_time_zone This is used for statement cuts and partner-level and issuing bank-level reconciliation

            Default value is 23:59:59-05:00.

          • product_time_zone string

            Timezone denoted as an Olson-style timezone defining the timezone for the product. All times in any response data for accounts using this product will be denominated in this timezone. Shifts due to daylight savings will be accounted for where relevant, and all output timestamps will be denoted as UTC offsets normalized based on this value. Defaults to America/New_York if not provided.

            Default value is America/New_York.

        • interest_policies object

          The Interest Policy Object

          • interest_calc_time string(time)

            Being deprecated under our backwards compatibility policy in favor of close_of_business time and timezone variables. Defaults to statement cut time Interest for this policy is calculated at this time every X interval.

            Default value is 01:00:00-05:00.

          • interest_calc_method string

            Speaks to how interest is calculated for accounts under this product.
            monthly_ending_bal_360: interest amount = [principal] * (r / (360 / 30)) :: calculated once at the end of each one month cycle
            cycle_end_12 : DEPRECATED. Use monthly_ending_bal_360 instead.
            monthly_ending_bal_365: interest amount = [principal] * (r / (365 / 30)) :: calculated once at the end of each one month cycle
            daily_ending_bal_365: interest amount = [principal] * (r / 365) :: calculated at the end of each day
            daily_end_365: DEPRECATED. Use daily_ending_bal_365 instead.
            daily_ending_bal_360: interest amount = [principal] * (r / 360) :: interest accrues at the end of each day
            daily_end_360: DEPRECATED. Use daily_ending_bal_360 instead.
            monthly_avg_bal_365: interest amount = [avg_daily_principal] * (r / 12) :: interest accrues once at the end of each one month cycle.
            avg_daily_12: DEPRECATED. Use monthly_avg_bal_365 instead.
            cycle_start_360 : interest amount = [principal] * (r / (360 / 30)) :: calculated once at the beginning of each one month cycle. Applicable to installment balances.
            cycle_start_365 : interest amount = [principal] * (r / (365 / 30)) :: calculated once at the beginning of each one month cycle. Applicable to installment balances.

            Values are cycle_end_12, avg_daily_12, daily_end_365, daily_end_360, monthly_avg_bal_365, monthly_ending_bal_360, monthly_ending_bal_365, daily_ending_bal_360, daily_ending_bal_365, cycle_start_360, or cycle_start_365. Default value is monthly_ending_bal_360.

          • interest_grace_method string

            The policy that defines how grace periods are mathematically applied to borrower accounts based on borrower repayment behavior.

            Values are NONE or PREVIOUS_STATEMENT_TOTAL_BALANCE_WITH_PENDING_PAYMENTS. Default value is NONE.

          • installment_interest_accrual_moment string

            When should the interest of an installment be accrued.
            BEGINNING: At the beginning of a cycle
            END: At the end of a cycle

            Values are BEGINNING or END. Default value is END.

          • revolving_interest_applicable_balance string

            The policy which defines which revolving balance under an account will accrue interest during the interest accrual calculation. PRINCIPAL accrues interest on principal balances of revolving transactions (i.e. non-installment charges), TOTAL_ACCOUNT_BALANCE accrues interest on the account's total revolving balance (inclusive of interest, fees).

            Values are PRINCIPAL or TOTAL_ACCOUNT_BALANCE. Default value is PRINCIPAL.

          • installment_interest_applicable_balance string

            The policy which defines which principal balance to accrue interest on during the installment interest accrual calculation. ACTUAL accrues interest on the actual outstanding principal balance of loans (e.g. after a missed payment, interest would be higher than originally anticipated in the amortization schedule), EXPECTED accrues interest on the loan's expected balance (e.g. interest would be accrued at the same rate as quoted in the original amortization schedule). ORIGINAL accrues interest based on the original principal balance of the loan (i.e. a fixed amount of interest each cycle). AVERAGE accrues interest using the calculated average daily ending balance of the loan during the given cycle.

            Values are EXPECTED, ACTUAL, ORIGINAL, or AVERAGE. Default value is EXPECTED.

          • is_limited_to_loan_duration boolean

            Applies only to loans. If true, loan interest will only accrue for the expected duration of the loan. Otherwise, interest will accrue as long as there is an outstanding balance. This serves as the default, including loans rolled over at the end of the promotional period, but can be overridden on a per-loan basis in the loan creation payload.

            Default value is false.

          • Additional properties are NOT allowed
        • default_attributes object
          • default_credit_limit_cents integer Required

            The default maximum principal credit (in cents) available for a customer account. This default limit can be overridden on a per-account basis if a credit_limit is selected at the time of assigning an account to a product. Credit limits for an account can also be updated post-account creation.

            Default value is 0.

          • default_late_fee_cents integer

            The default maximum principal credit (in cents) available for a customer account. This default limit can be overridden on a per-account basis if a credit_limit is selected at the time of assigning an account to a product. Credit limits for an account can also be updated post-account creation.

            Default value is 0.

          • default_payment_reversal_fee_cents integer

            The default maximum principal credit (in cents) available for a customer account. This default limit can be overridden on a per-account basis if a credit_limit is selected at the time of assigning an account to a product. Credit limits for an account can also be updated post-account creation.

            Default value is 0.

      • promotional_policies object Required

        If applicable, a promotional configuration for the product.

        • promo_len integer

          The number of billing cycles from account origination during which accounts on this product are on a promotional period.

          Default value is 0.

        • promo_min_pay_type string

          Current due calculation method for the promotional period.

          Values are AM, PERCENT_INTEREST, PERCENT_PRINCIPAL, PERCENT_PRINCIPAL_INTEREST, INTEREST_AND_PERCENT_PRINCIPAL, or NONE. Default value is NONE.

        • promo_min_pay_floor_cents integer

          If provided, the min_pay in the promo period will be set to this value whenever this value exceeds the calculated min_pay using promo_min_pay_type.
          Note: if the account's total balance is less than promo_min_pay_floor, only the total balance will be due.

        • promo_purchase_window_len integer

          If applicable, the number of billing cycles from account origination under which this product falls under a purchas window period.

          Default value is 0.

        • promo_min_pay_percent number

          Defaults to 100. The percent of new interest in the cycle used to determine the minimum payment.

          Default value is 100.

        • promo_interest_deferred boolean

          Indicates whether interest accrued during the promotional period is deferred interest.

          Default value is false.

        • promo_reset_on_first_charge boolean

          If set to true, the promo end date will be reset to end of current cycle + promo_len when the account draws its first charge during the promo period. If no charges occur during the promo period, the promo period will still end on the date set at account creation.

          Default value is false.

        • promo_default_interest_rate_percent number

          The rate that serves as the active interest rate for accounts during the promotional period.

          Default value is 0.

        • promo_apr_range_inclusive_lower number

          Optional lower bound for APR Range for the product (i.e. 2 = 2%).

          Default value is 0.

        • promo_apr_range_inclusive_upper number

          Optional upper bound for APR Range for the product (i.e. 5 = 5%).

          Default value is 0.

      • post_promotional_policies object
      • product_summary object

        Summary of product information

      • admin object
        • migration_mode boolean

          If migration mode is on, Canopy will stop auto-generating statements for this account.

          Default value is false.

      • metro2_config object

        Metro2 credit reporting configs

      • Additional properties are allowed
    • customer object | null

      Passport information. required if country is not US

      • address_line_one string Required

        Address line one.

      • address_line_two string

        Address line two.

      • address_city string Required

        Address city.

      • address_state string Required

        Address state.

      • address_zip string Required

        Five digit zipcode or nine digit 'ZIP+4'.

      • address_country_code string

        ISO 3166-1 alpha-2 country code for the customer.

        Values are US, GB, CA, AF, AX, AL, DZ, AS, AD, AO, AI, AQ, AG, AR, AM, AN, AW, AU, AT, AZ, BS, BH, BD, BB, BY, BE, BZ, BJ, BM, BT, BO, BA, BW, BV, BR, IO, BN, BG, BF, BI, KH, CM, CV, KY, CF, TD, CL, CN, CX, CC, CO, KM, CG, CD, CK, CR, CI, HR, CU, CY, CZ, DK, DJ, DM, DO, EC, EG, SV, GQ, ER, EE, ET, FK, FO, FJ, FI, FR, GF, PF, TF, GA, GM, GE, DE, GH, GI, GR, GL, GD, GP, GU, GT, GG, GN, GW, GY, HT, HM, VA, HN, HK, HU, IS, IN, ID, IR, IQ, IE, IM, IL, IT, JM, JP, JE, JO, KZ, KE, KI, KR, KW, KG, LA, LV, LB, LS, LR, LY, LI, LT, LU, MO, MK, MG, MW, MY, MV, ML, MT, MH, MQ, MR, MU, YT, MX, FM, MD, MC, MN, ME, MS, MA, MZ, MM, NA, NR, NP, NL, NC, NZ, NI, NE, NG, NU, NF, MP, NO, OM, PK, PW, PS, PA, PG, PY, PE, PH, PN, PL, PT, PR, QA, RE, RO, RU, RW, BL, SH, KN, LC, MF, PM, VC, WS, SM, ST, SA, SN, RS, SC, SL, SG, SK, SI, SB, SO, ZA, GS, ES, LK, SD, SR, SJ, SZ, SE, CH, SY, TW, TJ, TZ, TH, TL, TG, TK, TO, TT, TN, TR, TM, TC, TV, UG, UA, AE, UM, UY, UZ, VU, VE, VN, VG, VI, WF, EH, YE, ZM, or ZW.

      • name_prefix string

        Prefix to the customer's name.

      • name_first string

        Customer's first name.

      • name_middle string

        Customer's middle name.

      • name_last string

        Customer's last name.

      • name_suffix string

        Suffix to the customer's name.

      • passport object
        • number string Required

          Number on the passport

        • country string Required

          ISO 3166-1 Two letter code for the issuing country

      • customer_id string Required

        An ID for the customer.

      • created_at string(date-time)

        The Date-Time which the customer was created in the API.

      • updated_at string(date-time)

        The Date-Time which the customer was updated in the API.

      • is_borrower_portal_user boolean

        Indicates whether the customer has a borrower portal login or not

      • customer_type string

        The customer can be either a person or a business. This is used to explicitly set that and adjust behavior such as validation.

        Values are person or business.

      • is_active boolean

        Value manually maintained - defaults to true."False" generally indicates no additional credit should be granted to this customer

      • verification_status string

        The verification status of this customer. The default is 'unverified'. Depending on the system's configuration verification with third parties will happen and the status will be updated based on the result.

        Values are unverified, verified, retry, or document.

      • title string

        Title of the customer if a person OR title of the admin if a business

      • phone_number string

        Customer's phone number in E.164 format

      • ssn string

        Social security number of the customer.

      • international_customer_id string

        Any country-specific unique identifier for the customer.

      • email string(email)

        The email address of this Customer

      • date_of_birth string(date)

        Customer's date of birth in ISO 8601 format

      • customer_balances object
        • num_active_accounts integer

          The number of active accounts for this customer.

        • total_balance_cents integer

          The total outstanding balance (in cents) associated with all active accounts for this customer. This balance is comprised of the sum of the following six balance items.

        • principal_cents integer

          The total principal balance (in cents) associated with all active accounts for this customer.

        • interest_balance_cents integer

          The total interest balance (in cents) associated with all active accounts for this customer.

        • am_interest_balance_cents integer

          The total AM interest balance (in cents) associated with all active accounts for this customer.

          Default value is 0.

        • deferred_interest_balance_cents integer

          The total deferred interest balance (in cents) associated with all active accounts for this customer.

          Default value is 0.

        • am_deferred_interest_balance_cents integer

          The total AM deferred interest balance (in cents) associated with all active accounts for this customer.

          Default value is 0.

        • fees_balance_cents integer

          The total fees balance (in cents) associated with all active accounts for this customer.

          Default value is 0.

      • business_details object
        • business_legal_name string

          The legal name of the Business

        • doing_business_as string

          The DBA name of the Business

        • business_ein string

          EIN of the business, expected format in NN-NNNNNNN.

        • business_type string

          Type of business is used in determining the appropriate validation.

          Values are sole_proprietorship, llc, unincorporated_association, trust, corporation, corporation_public, non_profile, or partnership.

        • business_classification_id string

          UUID that references the business classification. This will eventually be supported by a reference api, however, for now refer to dwolla's specific UUID.

        • website string

          URL for the buesiness's website. This should be publicly resolvable

        • controller object | null

          Passport information. required if country is not US

          • address_line_one string Required

            Address line one.

          • address_line_two string

            Address line two.

          • address_city string Required

            Address city.

          • address_state string Required

            Address state.

          • address_zip string Required

            Five digit zipcode or nine digit 'ZIP+4'.

          • address_country_code string

            ISO 3166-1 alpha-2 country code for the customer.

            Values are US, GB, CA, AF, AX, AL, DZ, AS, AD, AO, AI, AQ, AG, AR, AM, AN, AW, AU, AT, AZ, BS, BH, BD, BB, BY, BE, BZ, BJ, BM, BT, BO, BA, BW, BV, BR, IO, BN, BG, BF, BI, KH, CM, CV, KY, CF, TD, CL, CN, CX, CC, CO, KM, CG, CD, CK, CR, CI, HR, CU, CY, CZ, DK, DJ, DM, DO, EC, EG, SV, GQ, ER, EE, ET, FK, FO, FJ, FI, FR, GF, PF, TF, GA, GM, GE, DE, GH, GI, GR, GL, GD, GP, GU, GT, GG, GN, GW, GY, HT, HM, VA, HN, HK, HU, IS, IN, ID, IR, IQ, IE, IM, IL, IT, JM, JP, JE, JO, KZ, KE, KI, KR, KW, KG, LA, LV, LB, LS, LR, LY, LI, LT, LU, MO, MK, MG, MW, MY, MV, ML, MT, MH, MQ, MR, MU, YT, MX, FM, MD, MC, MN, ME, MS, MA, MZ, MM, NA, NR, NP, NL, NC, NZ, NI, NE, NG, NU, NF, MP, NO, OM, PK, PW, PS, PA, PG, PY, PE, PH, PN, PL, PT, PR, QA, RE, RO, RU, RW, BL, SH, KN, LC, MF, PM, VC, WS, SM, ST, SA, SN, RS, SC, SL, SG, SK, SI, SB, SO, ZA, GS, ES, LK, SD, SR, SJ, SZ, SE, CH, SY, TW, TJ, TZ, TH, TL, TG, TK, TO, TT, TN, TR, TM, TC, TV, UG, UA, AE, UM, UY, UZ, VU, VE, VN, VG, VI, WF, EH, YE, ZM, or ZW.

          • name_prefix string

            Prefix to the customer's name.

          • name_first string

            Customer's first name.

          • name_middle string

            Customer's middle name.

          • name_last string

            Customer's last name.

          • name_suffix string

            Suffix to the customer's name.

          • passport object
            • number string Required

              Number on the passport

            • country string Required

              ISO 3166-1 Two letter code for the issuing country

          • title string

            Title of the customer if a person OR title of the admin if a business

          • phone_number string

            Customer's phone number in E.164 format.

          • ssn string

            Social security number of the customer.

      • metro2_config object

        Metro2 credit reporting configs

    • Additional properties are NOT allowed
  • • 401

    Unauthorized.

  • • 403

    Forbidden.

  • • 422

    Invalid input

  • • 429

    Too many requests.

  • • default

    Unexpected Error.

POST /finance_requests/{finance_request_id}/convert 
curl \
 -X POST https://<your_environment_name>-uat-api.canopyservicing.com/finance_requests/can_123/convert \
 -H "Authorization: Bearer $ACCESS_TOKEN"
Response example (200) 
{
  "finance_request_id": "31mNprzLd2bKl6koVna68ARM",
  "customer_id": "31mNprzLd2bKl6koVna68ARM",
  "product_id": "95fea111-d121-40f8-9e8e-a6c335e48a45",
  "external_fields": {},
  "notes": [
    "string"
  ],
  "requested_conversion_at": "2018-03-20T09:12:28+00:00",
  "created_at": "2018-03-20T09:12:28+00:00",
  "updated_at": "2018-03-20T09:12:28+00:00",
  "conversion_at": "2018-04-20T09:12:28+00:00",
  "finance_request_status": "IN_REVIEW",
  "account_id": "31mNprzLd2bKl6koVna68ARM",
  "partner_entity": {},
  "create_account_details": {
    "summary": {
      "credit_limit_cents": 400000,
      "max_approved_credit_limit_cents": 400000,
      "late_fee_cents": 2900,
      "payment_reversal_fee_cents": 2900,
      "origination_fee_cents": 2000,
      "origination_fee_percent": 2.34,
      "is_origination_fee_lesser_value": false,
      "is_origination_fee_amortized": false,
      "annual_fee_cents": 1000,
      "monthly_fee_cents": 500,
      "recurring_fees": [
        {
          "recurring_fee_interval": "1 month",
          "recurring_fee_amount_cents": 10000,
          "initial_delay_offset": "12 days",
          "is_fee_interval_floored": false,
          "recurring_fee_label": "Quarterly Fee"
        }
      ],
      "initial_principal_cents": 400000,
      "late_fee_cap_percent": 12.5,
      "payment_reversal_fee_cap_percent": 6.2
    },
    "post_promo_overview": {
      "post_promo_impl_interest_rate_percent": 6.2,
      "post_promo_len": 48
    }
  },
  "product": {
    "product_id": "95fea111-d121-40f8-9e8e-a6c335e48a45",
    "created_at": "2019-03-20T09:12:28+00:00",
    "updated_at": "2020-01-20T09:12:28+00:00",
    "effective_at": "2016-11-27T13:19:56+00:00",
    "is_active": true,
    "product_overview": {
      "product_name": "Blue Cash Express",
      "product_type": "REVOLVING",
      "product_short_description": "12mm3apr.",
      "product_long_description": "Student credit card.",
      "product_color": "#0000FF",
      "external_fields": [
        {
          "key": "client_product_id",
          "value": "3e93a899-d267-4193-8509-6dba53c13b7b"
        }
      ]
    },
    "product_lifecycle_policies": {
      "payment_due_policies": {
        "delinquent_on_n_consecutive_late_fees": 2,
        "charge_off_on_n_consecutive_late_fees": 5,
        "pre_statement_payments_reduce_min_pay": false
      },
      "payment_pouring_policies": {
        "pending_pmt_affects_avail_credit": true
      },
      "fee_policies": {
        "late_fee_grace": "5 days"
      },
      "billing_cycle_policies": {
        "cycle_interval": "1 month",
        "cycle_due_interval": "-5 days",
        "first_cycle_interval": "25 days",
        "close_of_business_time": "17:00:00-05:00",
        "product_time_zone": "America/Chicago"
      },
      "interest_policies": {
        "interest_calc_time": "11:21:04-08:00",
        "interest_calc_method": "avg_daily_12",
        "interest_grace_method": "NONE",
        "installment_interest_accrual_moment": "BEGINNING",
        "revolving_interest_applicable_balance": "PRINCIPAL",
        "installment_interest_applicable_balance": "EXPECTED",
        "is_limited_to_loan_duration": true
      },
      "default_attributes": {
        "default_credit_limit_cents": 600000,
        "default_late_fee_cents": 50000,
        "default_payment_reversal_fee_cents": 10000
      }
    },
    "promotional_policies": {
      "promo_len": 6,
      "promo_min_pay_type": "PERCENT_PRINCIPAL",
      "promo_min_pay_floor_cents": 500,
      "promo_purchase_window_len": 5,
      "promo_min_pay_percent": 100,
      "promo_interest_deferred": true,
      "promo_reset_on_first_charge": true,
      "promo_default_interest_rate_percent": 3,
      "promo_apr_range_inclusive_lower": 2,
      "promo_apr_range_inclusive_upper": 5
    },
    "post_promotional_policies": {
      "post_promo_len": 48,
      "post_promo_am_len_range_inclusive_lower": 2,
      "post_promo_am_len_range_inclusive_upper": 5,
      "post_promo_min_pay_type": "AM",
      "post_promo_default_interest_rate_percent": 3,
      "post_promo_apr_range_inclusive_lower": 2,
      "post_promo_apr_range_inclusive_upper": 5
    },
    "product_summary": {
      "accounts_overview": {
        "account_count_total": 10005
      },
      "product_status": "ACTIVE"
    },
    "admin": {
      "migration_mode": true
    },
    "metro2_config": {
      "bloom_metadata": {
        "industry": "CREDIT_CARD_ISSUER",
        "portfolio_type": "REVOLVING",
        "account_type": "CREDIT_CARD",
        "interest_type": "VARIABLE",
        "terms_frequency": "MONTHLY"
      }
    }
  },
  "customer": {
    "address_line_one": "12 Strawberry Road",
    "address_line_two": "Suite 101",
    "address_city": "Atlanta",
    "address_state": "GA",
    "address_zip": "99999-1000",
    "address_country_code": "US",
    "name_prefix": "Dr.",
    "name_first": "Miriam",
    "name_middle": "Louise",
    "name_last": "Trevino",
    "name_suffix": "Jr",
    "passport": {
      "number": "string",
      "country": "JP"
    },
    "customer_id": "31mNprzLd2bKl6koVna68ARM",
    "created_at": "2017-06-20T09:12:14+00:00",
    "updated_at": "2019-02-20T09:12:14+00:00",
    "is_borrower_portal_user": true,
    "customer_type": "person",
    "is_active": true,
    "verification_status": "verified",
    "title": "CFO",
    "phone_number": "+14105556789",
    "ssn": "888888888",
    "international_customer_id": "9999999999",
    "email": "marissa@protonmail.com",
    "date_of_birth": "1985-06-20",
    "customer_balances": {
      "num_active_accounts": 2,
      "total_balance_cents": 300000,
      "principal_cents": 200000,
      "interest_balance_cents": 60000,
      "am_interest_balance_cents": 0,
      "deferred_interest_balance_cents": 40000,
      "am_deferred_interest_balance_cents": 0,
      "fees_balance_cents": 0
    },
    "business_details": {
      "business_legal_name": "Umbrella Corporation",
      "doing_business_as": "Umbrella",
      "business_ein": "888-888888",
      "business_type": "llc",
      "business_classification_id": "794D9D5E-B547-4B3B-8289-76484C1AFC5F",
      "website": "https://example.com",
      "controller": {
        "address_line_one": "12 Strawberry Road",
        "address_line_two": "Suite 101",
        "address_city": "Atlanta",
        "address_state": "GA",
        "address_zip": "99999-1000",
        "address_country_code": "US",
        "name_prefix": "Dr.",
        "name_first": "Miriam",
        "name_middle": "Louise",
        "name_last": "Trevino",
        "name_suffix": "Jr",
        "passport": {
          "number": "string",
          "country": "JP"
        },
        "title": "CFO",
        "phone_number": "+14105556789",
        "ssn": "888888888"
      }
    },
    "metro2_config": {
      "bloom_metadata": {
        "address_type": "CONFIRMED",
        "residence_type": "OWNS",
        "account_designations": [
          {
            "account_id": "string",
            "designation": "INDIVIDUAL"
          }
        ]
      }
    }
  }
}