{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":[]},"type":"markdown"},"seo":{"title":"Exchanges"},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"exchanges","__idx":0},"children":["Exchanges"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Congruit's Exchange is a give-to-get program that pools furnished data from lenders:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["ACH Exchange supports lenders to gain visibility into the bank account they might be about to debit for a loan payment. To minimize return rates or identify adverse banking actions lenders can research the history of a specific bank account for patterns of behavior."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["NoPay3 Exchange consists of tradeline records that identify consumers who have consistently failed to make repayments."]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["This portion of Congruit's platform does not supply credit reports but all of the furnished data is separately governed under FCRA guidelines, disclosed to consumers, and disputable."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The Exchanges supprt the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["/exchange"]}," service for lenders to furnish data via API. A ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/guides/sftp-file-interface"},"children":["CSV file service"]}," is also available."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["There are two endpoints:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["ach-transactions"]}," allows a lender to contribute ACH Returns to the Exchange."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["reports"]}," allows a lender to interrogate a specific bank account to retrieve behavior attributes."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"baseindicator","__idx":1},"children":["baseIndicator"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["There is one compound attribute in the ACH product: ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["baseIndicator"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["It returns ",{"$$mdtype":"Tag","name":"em","attributes":{},"children":["true"]}," when:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["For the bank account on the credit inquiry:"]}]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["any ACH Return code in the past 90 days, or"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["3 or more NSFs in past year, or"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["2 or more NSFs in the past year and 5 or more returns in the past year"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You can test by using this mock:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Last Name: Faux"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["SSN: 666033704"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["ZIP: 33704"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["You can fill anything else in for the other fields."]}]}]},"headings":[{"value":"Exchanges","id":"exchanges","depth":1},{"value":"baseIndicator","id":"baseindicator","depth":2}],"frontmatter":{"seo":{"title":"Exchanges"}},"lastModified":"2026-06-16T18:15:06.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/guides/exchanges","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}