{
  "object": "use_restriction",
  "property": "apis.credit",
  "published": "2026-07-31",
  "canonical": "https://apis.credit/use-restriction",
  "regime": "COMMERCIAL",
  "fcra_consumer_report": false,
  "restriction": "Commercial credit, KYB, and simulation use only. No consumer purpose. This restriction is a term of the call.",
  "binding": "This restriction is a term of every call and is typed into every response as the permitted_use object. It is not a document agreed to once.",
  "regime_definition": "The subject of every record served from this door is an entity, and the purpose of every call is a commercial one. There is no consumer subject on any row.",
  "consumer_report_limbs": {
    "note": "A consumer report is defined by two limbs and both have to be true. This door is built on the first, not the second.",
    "limbs": [
      "information bearing on a consumer's credit standing",
      "assembled for the purpose of establishing eligibility for consumer credit or another purpose the statute enumerates"
    ],
    "verdict": "No consumer subject, so no permissible purpose is required and none is claimed."
  },
  "falsifiers": [
    {
      "name": "A subject who is a natural person",
      "status": "No row on this door takes one. An Obligor-Guarantor appears as a named party and never as a scored subject."
    },
    {
      "name": "A consumer purpose",
      "status": "Declared, it is refused: typed BLOCKED, nothing metered."
    },
    {
      "name": "Mixing",
      "status": "Consumer-report data is never pooled into a response, because one mixed field would convert the whole response."
    },
    {
      "name": "Furnishing",
      "status": "Not shipped. The furnishing row is ROADMAP and will not ship without the dispute investigation that legally comes with it."
    }
  ],
  "falsifier_rule": "If any of the four ever changes, this document changes with it in the same commit, and the stamps change first.",
  "permissible_purposes_closed_list": [
    "a credit transaction involving the consumer",
    "the consumer's own written instructions",
    "employment",
    "insurance underwriting",
    "a legitimate business need in a transaction the consumer initiated",
    "review of an account already held"
  ],
  "permissible_purpose_note": "Each one presupposes a transaction this door does not have, and a permissible purpose is a recorded fact about a transaction rather than a value set on a request. No route on this door records one.",
  "refusal": {
    "reason": "PURPOSE_OUT_OF_REGIME",
    "cure": "CONSUMER_REGIME_NOT_SERVED",
    "metered": false,
    "note": "A refusal is not a product."
  },
  "statutes": [
    "15 U.S.C. 1681a(d)",
    "15 U.S.C. 1681b",
    "12 CFR 1002.2(f)"
  ],
  "standing": "No row on apis.credit is callable today; every SKU is stamped ROADMAP and the posted prices are DRAFT until the owner ratifies them. This restriction is published in advance of the first call and binds every call from the first one.",
  "human_document": "https://apis.credit/use-restriction",
  "operator": {
    "name": "Do Industries",
    "role": "Publisher of apis.credit and operator of the apis.finance family.",
    "contact": "keys@apis.finance",
    "registered_form": null,
    "jurisdiction_of_organization": null,
    "note": "The registered form and the jurisdiction of organization are not posted yet. They are owner-ratified and publish on the page and in this document before the first callable row. A door that states its standing may not state one it cannot evidence.",
    "copyright": "Copyright 2026 Do Industries"
  },
  "contact": "keys@apis.finance"
}