gistfile1.txt

{
  “endpoint”: “return_premium_loan_adjustment/“,
  “request”: {
    “return_premium”: 10500,
    “first_due_date”: “2018-09-04T01:00:00.000Z”,
    “agency”: {
      “days_after_effective_to_pay”: 20,
      “fund_to_market”: true,
      “payments_received_before_paying_compensation”: 3,
      “days_before_compensation_is_payable”: 60
    },
    “state_laws”: {
      “name”: “Georgia”,
      “default_policies_to_sr”: false,
      “licensed_for_personal”: true,
      “licensed_for_commercial”: true,
      “days_to_intent”: 5,
      “days_from_intent_to_cxl”: 10,
      “days_from_cxl_to_effective_cxl”: 0,
      “nsf_fee”: 20,
      “agent_can_sign_contract”: true,
      “no_refunds_less_than”: 5,
      “interest_method”: “Rule of 78s”,
      “maximum_charge_off”: 5,
      “max_late_fee_dollars_per”: 0,
      “max_late_fee_percent_per”: 5,
      “max_cxl_fee_dollars_per”: 5,
      “max_cxl_fee_percentage_per”: 0,
      “late_fee_dollars_to_be_charged_per”: 0,
      “late_fee_percentage_to_be_charged_per”: 5,
      “cxl_fee_dollars_to_be_charged_per”: 5,
      “cxl_fee_percent_to_be_charged_per”: 0,
      “credit_card_fee_dollars_per”: 0,
      “credit_card_fee_percent_per”: 0,
      “ach_fee_dollars_per”: 0,
      “ach_fee_percent_per”: 0,
      “maximum_setup_fee_per”: 20,
      “max_apr_per”: null,
      “agent_rebates_per”: true,
      “days_to_late_fee_per”: 5,
      “max_late_fee_dollars_com”: 0,
      “max_late_fee_percent_com”: 5,
      “max_cxl_fee_dollars_com”: 15,
      “max_cxl_fee_percentage_com”: 0,
      “late_fee_dollars_to_be_charged_com”: 0,
      “late_fee_percentage_to_be_charged_com”: 5,
      “cxl_fee_dollars_to_be_charged_com”: 15,
      “cxl_fee_percent_to_be_charged_com”: 0,
      “credit_card_fee_dollars_com”: 0,
      “credit_card_fee_percent_com”: 0,
      “ach_fee_dollars_com”: 0,
      “ach_fee_percent_com”: 0,
      “maximum_setup_fee_com”: null,
      “agent_rebates_com”: true,
      “days_to_late_fee_com”: 5,
      “max_apr_com”: null,
      “min_late_fee_dollars_com”: 1,
      “min_late_fee_dollars_per”: 1,
      “min_late_fee_percent_com”: null,
      “min_late_fee_percent_per”: null
    },
    “payment_calendar”: [
      {
        “paid”: false,
        “amount_due”: 1159.33,
        “intent_to_cancel_date”: “2018-09-09T01:00:00.000-04:00”,
        “late_fee_date”: “2018-09-09T01:00:00.000-04:00”,
        “payment_due_date”: “2018-09-04T01:00:00.000-04:00”,
        “id”: “15337596930901911__4247”
      },
      {
        “paid”: false,
        “amount_due”: 1159.33,
        “intent_to_cancel_date”: “2018-10-09T01:00:00.000-04:00”,
        “late_fee_date”: “2018-10-09T01:00:00.000-04:00”,
        “payment_due_date”: “2018-10-04T01:00:00.000-04:00”,
        “id”: “1533759693092151__5158”
      },
      {
        “paid”: false,
        “amount_due”: 1159.33,
        “intent_to_cancel_date”: “2018-11-09T01:00:00.000-04:00”,
        “late_fee_date”: “2018-11-09T01:00:00.000-04:00”,
        “payment_due_date”: “2018-11-04T01:00:00.000-04:00”,
        “id”: “1533759693093888__2748”
      },
      {
        “paid”: false,
        “amount_due”: 1159.33,
        “intent_to_cancel_date”: “2018-12-09T01:00:00.000-04:00”,
        “late_fee_date”: “2018-12-09T01:00:00.000-04:00”,
        “payment_due_date”: “2018-12-04T01:00:00.000-04:00”,
        “id”: “15337596930956979__7131”
      },
      {
        “paid”: false,
        “amount_due”: 1159.33,
        “intent_to_cancel_date”: “2019-01-09T01:00:00.000-04:00”,
        “late_fee_date”: “2019-01-09T01:00:00.000-04:00”,
        “payment_due_date”: “2019-01-04T01:00:00.000-04:00”,
        “id”: “15337596930974138__8027”
      },
      {
        “paid”: false,
        “amount_due”: 1159.33,
        “intent_to_cancel_date”: “2019-02-09T01:00:00.000-04:00”,
        “late_fee_date”: “2019-02-09T01:00:00.000-04:00”,
        “payment_due_date”: “2019-02-04T01:00:00.000-04:00”,
        “id”: “15337596930988789__8804”
      },
      {
        “paid”: false,
        “amount_due”: 1159.33,
        “intent_to_cancel_date”: “2019-03-09T01:00:00.000-04:00”,
        “late_fee_date”: “2019-03-09T01:00:00.000-04:00”,
        “payment_due_date”: “2019-03-04T01:00:00.000-04:00”,
        “id”: “1533759693100279__8778”
      },
      {
        “paid”: false,
        “amount_due”: 1159.33,
        “intent_to_cancel_date”: “2019-04-09T01:00:00.000-04:00”,
        “late_fee_date”: “2019-04-09T01:00:00.000-04:00”,
        “payment_due_date”: “2019-04-04T01:00:00.000-04:00”,
        “id”: “1533759693101645__8208”
      },
      {
        “paid”: false,
        “amount_due”: 1159.33,
        “intent_to_cancel_date”: “2019-05-09T01:00:00.000-04:00”,
        “late_fee_date”: “2019-05-09T01:00:00.000-04:00”,
        “payment_due_date”: “2019-05-04T01:00:00.000-04:00”,
        “id”: “1533759693103123__316”
      },
      {
        “paid”: false,
        “amount_due”: 1159.33,
        “intent_to_cancel_date”: “2019-06-09T01:00:00.000-04:00”,
        “late_fee_date”: “2019-06-09T01:00:00.000-04:00”,
        “payment_due_date”: “2019-06-04T01:00:00.000-04:00”,
        “id”: “15337596931049469__2467”
      }
    ],
    “quote_details”: {
      “policies”: [
        {
          “id”: “15337596486019158__9553”,
          “number”: “TBD”,
          “premium”: 1500000,
          “effective_date”: “2018-08-04T00:00:00.000-04:00",
          “expiration_date”: “2019-08-04T00:00:00.000-04:00",
          “coverage_type_id”: “1",
          “carrier_id”: “1",
          “mga_id”: “1",
          “additional_days_to_cancel”: 0,
          “short_rate”: false,
          “filings”: false,
          “auditable”: false,
          “send_notice_to_state_authority”: false,
          “min_earned_percentage”: 0,
          “taxes”: 0,
          “broker_fee”: 0,
          “policy_fee”: 0,
          “all_other_fees”: 0,
          “accounting_policy”: {
            “id”: “15337596486019158__9553”,
            “bound_allocations”: [],
            “purposes_paid_for”: [],
            “amount”: null,
            “coverage_type”: null,
            “total_cost”: 1500000,
            “fees”: null,
            “mga_id”: 1,
            “carrier_id”: 1,
            “amount_financeable”: 1500000
          }
        }
      ],
      “rate_tables”: {
        “ar/required_compensation:1": [
          {
            “bottom”: 10000.01,
            “top”: 50000,
            “rate”: 0,
            “charge”: 20
          },
          {
            “bottom”: 1000.01,
            “top”: 10000,
            “rate”: 0,
            “charge”: 15
          },
          {
            “bottom”: 0,
            “top”: 1000,
            “rate”: 0,
            “charge”: 10
          }
        ],
        “buy_rate_interest”: [
          {
            “bottom”: 0,
            “top”: 1000000,
            “rate”: 12.2,
            “charge”: 0.1,
            “setup_fee_included_in_interest_rate”: false
          }
        ]
      },
      “insured”: {
        “id”: 1,
        “name”: “Base Insured”,
        “status”: “active”,
        “tax_id”: “Some tax ID”,
        “ssn”: “Some SSN”,
        “customer_token”: null,
        “commercial”: true,
        “requires_certified_funds”: false,
        “preferred_notice_delivery_method”: “email”,
        “bor_number”: 0,
        “agency_id”: 1,
        “created_at”: “2018-08-08T15:42:14.881-04:00”,
        “updated_at”: “2018-08-08T15:42:14.881-04:00”
      },
      “agency_comp_table”: false
    },
    “contract_terms”: [
      {
        “apr”: 12.5892,
        “amount_financed”: 10951.5,
        “billing_frequency”: “monthly”,
        “date_activated”: “2018-08-08T16:21:32.958Z”,
        “documentary_stamp_tax”: 0,
        “down_payment”: 4048.5,
        “first_due_date”: “2018-09-04T01:00:00.000Z”,
        “installment_count”: 10,
        “interest_rates_dollars”: {
          “ar/required_compensation:1": 20,
          “buy_rate_interest”: 621.7
        },
        “max_first_due_date”: “2018-09-04T01:00:00.000Z”,
        “payment_amount”: 1159.33,
        “setup_fee”: 0.1
      }
    ],
    “request_date”: “2018-09-08T16:22:21.589Z”
  },
  “response”: {
    “cancellation_fee”: 15,
    “contract”: {
      “agency_min_apr”: 12.5882,
      “agency_min_finance_charge”: 543.09,
      “amount_financed”: -10500,
      “apr”: 12.5882,
      “default_down_payment”: 0,
      “default_first_due_date”: “Mon, 03 Sep 2018 01:00:00 GMT”,
      “documentary_stamp_tax”: 0,
      “installment_count_default”: 9,
      “installment_count_max”: 9,
      “installment_count_min”: 9,
      “interest_rates_dollars”: {
        “ar/required_compensation:1”: 0,
        “buy_rate_interest”: -543.09,
        “setup_fee”: 0
      },
      “max_first_due_date”: “Mon, 03 Sep 2018 01:00:00 GMT”,
      “min_down_payment”: 0,
      “payment_amount”: -1227.01,
      “payment_frequency”: “Monthly”,
      “setup_fee”: 0,
      “state_specific_stuff”: {
        “ach_fee_dollars”: 0,
        “ach_fee_percent”: 0,
        “cancellation_fee”: 15,
        “credit_card_fee_dollars”: 0,
        “credit_card_fee_percent”: 0,
        “days_from_cxl_to_effective_cxl”: 0,
        “days_from_intent_to_cxl”: 10,
        “days_to_intent”: 5,
        “days_to_late_fee”: 5,
        “interest_method”: “Rule of 78s”,
        “late_fee”: 61.35,
        “max_apr”: null,
        “maximum_charge_off”: 5,
        “no_refunds_less_than”: 5,
        “nsf_fee”: 20
      }
    },
    “income_objects”: [
      {
        “amount”: 108.62,
        “date_of_charge”: “Sat, 08 Sep 2018 01:00:00 GMT”,
        “type_of_charge”: “Interest”
      },
      {
        “amount”: 96.55,
        “date_of_charge”: “Tue, 04 Sep 2018 01:00:00 GMT”,
        “type_of_charge”: “Interest”
      },
      {
        “amount”: 84.48,
        “date_of_charge”: “Thu, 04 Oct 2018 01:00:00 GMT”,
        “type_of_charge”: “Interest”
      },
      {
        “amount”: 72.41,
        “date_of_charge”: “Sun, 04 Nov 2018 01:00:00 GMT”,
        “type_of_charge”: “Interest”
      },
      {
        “amount”: 60.34,
        “date_of_charge”: “Tue, 04 Dec 2018 01:00:00 GMT”,
        “type_of_charge”: “Interest”
      },
      {
        “amount”: 48.27,
        “date_of_charge”: “Fri, 04 Jan 2019 01:00:00 GMT”,
        “type_of_charge”: “Interest”
      },
      {
        “amount”: 36.21,
        “date_of_charge”: “Mon, 04 Feb 2019 01:00:00 GMT”,
        “type_of_charge”: “Interest”
      },
      {
        “amount”: 24.14,
        “date_of_charge”: “Mon, 04 Mar 2019 01:00:00 GMT”,
        “type_of_charge”: “Interest”
      },
      {
        “amount”: 12.07,
        “date_of_charge”: “Thu, 04 Apr 2019 01:00:00 GMT”,
        “type_of_charge”: “Interest”
      }
    ],
    “late_fee”: -3.38
  }
}