# MLA Check

`POST https://api.agilitycredit.net/v3/mla`

Docs page: https://apidocs.agilitycredit.com/api/run-mla · Tag: MLA

This endpoint allows users to perform a Military Lending Act (MLA) check on an applicant to ensure compliance with MLA regulations. By submitting the necessary applicant information, users can verify if the applicant is covered under the MLA and receive relevant compliance information.

Authentication: `Authorization: Bearer <api key>`.

## Parameters

| Name | In | Required | Description |
| --- | --- | --- | --- |
| `Idempotency-Key` | header | yes | A unique, idempotent key. We recommend to use a guid |
| `Agc-Tenant-Id` | header | yes | The tenant ID provided by Agility Credit. |
| `Agc-User-Id` | header | yes | The requestor user ID. |
| `Agc-Applicant-Id` | header |  | If passed, will assign the report to that applicant. If not, will create a new applicant ID |

## Request body (`application/json`), required

MLA check request payload

Schema: `MLAInquiry`

| Field | Type | Required | Description |
| --- | --- | --- | --- |
| `applicant_main` | object | yes |  |
| `applicant_main.first_name` | string | yes | The first name of the applicant. [REQUIRED] |
| `applicant_main.middle_name` | string |  | The middle name of the applicant. Middle name can be an initial. |
| `applicant_main.last_name` | string | yes | The last name of the applicant. [REQUIRED] |
| `applicant_main.ssn` | string |  | The SSN of the applicant. Required if pull_type is set to 'hard'. |
| `applicant_main.dob` | string |  | The date of birth of the applicant. Required if pull_type is set to 'hard'. |
| `applicant_main.phone` | string |  | The phone number of the applicant. |
| `applicant_main.email` | string |  | The email address of the applicant. |
| `applicant_main.address` | string | yes | The address of the applicant. The format is '{house_number} {street_name} {street_type} {direction}'. street_type and direction are optional. [REQUIRED] |
| `applicant_main.zip` | string | yes | The ZIP code of the applicant. [REQUIRED] |
| `applicant_main.state` | string | yes | The state of the applicant. [REQUIRED] |
| `applicant_main.city` | string | yes | The city of the applicant. Abbreviation of the city name. E.g 'NY'. [REQUIRED] |
| `applicant_main.income` | object |  |  |
| `applicant_main.income.gross_monthly` | integer | yes | Gross monthly income, greater than zero. [REQUIRED] |
| `applicant_main.income.other_monthly` | integer |  | Other monthly income, greater than zero. |
| `applicant_main.income.other_source` | string: `aid_for_dependent_children`, `child_support`, `cola`, `disability`, `fssa`, `housing_allowances`, `military_basic_allowance_for_subsistence`, `municipal_bond_interest`, `non_taxable_sources_of_income`, `other`, … (5 more) |  | Source of other income. |
| `applicant_co` | object |  |  |
| `applicant_co.first_name` | string | yes | The first name of the applicant. [REQUIRED] |
| `applicant_co.middle_name` | string |  | The middle name of the applicant. Middle name can be an initial. |
| `applicant_co.last_name` | string | yes | The last name of the applicant. [REQUIRED] |
| `applicant_co.ssn` | string |  | The SSN of the applicant. Required if pull_type is set to 'hard'. |
| `applicant_co.dob` | string |  | The date of birth of the applicant. Required if pull_type is set to 'hard'. |
| `applicant_co.phone` | string |  | The phone number of the applicant. |
| `applicant_co.email` | string |  | The email address of the applicant. |
| `applicant_co.address` | string | yes | The address of the applicant. The format is '{house_number} {street_name} {street_type} {direction}'. street_type and direction are optional. [REQUIRED] |
| `applicant_co.zip` | string | yes | The ZIP code of the applicant. [REQUIRED] |
| `applicant_co.state` | string | yes | The state of the applicant. [REQUIRED] |
| `applicant_co.city` | string | yes | The city of the applicant. Abbreviation of the city name. E.g 'NY'. [REQUIRED] |
| `applicant_co.income` | object |  |  |
| `applicant_co.income.gross_monthly` | integer | yes | Gross monthly income, greater than zero. [REQUIRED] |
| `applicant_co.income.other_monthly` | integer |  | Other monthly income, greater than zero. |
| `applicant_co.income.other_source` | string: `aid_for_dependent_children`, `child_support`, `cola`, `disability`, `fssa`, `housing_allowances`, `military_basic_allowance_for_subsistence`, `municipal_bond_interest`, `non_taxable_sources_of_income`, `other`, … (5 more) |  | Source of other income. |
| `format` | string: `json`, `raw` |  |  |

Example:

```json
{
  "applicant_main": {
    "first_name": "JANE",
    "last_name": "SAMPLE",
    "phone": "",
    "email": "",
    "address": "123 MAIN ST",
    "city": "ANYTOWN",
    "state": "TX",
    "zip": "750010000"
  },
  "applicant_co": {
    "first_name": "JANE",
    "last_name": "DOE",
    "phone": "",
    "email": "",
    "address": "123 MAIN ST",
    "city": "ANYTOWN",
    "state": "TX",
    "zip": "750010000"
  }
}
```

## Responses

| Status | Description | Body |
| --- | --- | --- |
| 200 | MLA check processed successfully | MLAResponse |
| 400 | Bad Request | BadRequestResponse |
| 401 | Unauthorized | UnauthorizedResponse |
| 429 | Too Many Requests | TooManyRequestsResponse |
| 500 | Internal Server Error | AgilityServerErrorResponse |
Top-level 200 fields: `applicant_main`.

### Error bodies

400:

```json
{
  "status": "Bad Request - Invalid Parameters",
  "error": "Failed schema validation. Error: data.pull_type must be one of ['prequal', 'hard'], Path: ['data', 'pull_type'], Data: prequalification"
}
```

401:

```json
{
  "message": "Unauthorized"
}
```

429:

```json
{
  "error": "Too Many Requests"
}
```

500:

```json
{
  "message": "Agility Server Error"
}
```