# CFPB Enforcement Action Risk Monitor (`signaltools/cfpb-enforcement-action-risk-monitor`) Actor Score public CFPB enforcement actions into consumer-finance penalty, refund, fair-lending, credit-reporting, mortgage, payments, banking, and delta risk signals for compliance and market-intelligence workflows. - **URL**: https://apify.com/signaltools/cfpb-enforcement-action-risk-monitor.md - **Developed by:** [Stephen Coulson](https://apify.com/signaltools) (community) - **Categories:** Lead generation, Automation, Other - **Stats:** 2 total users, 1 monthly users, 100.0% runs succeeded, 0 bookmarks - **User rating**: No ratings yet ## Pricing Pay per usage This Actor is paid per platform usage. The Actor is free to use, and you only pay for the Apify platform usage, which gets cheaper the higher subscription plan you have. Learn more: https://docs.apify.com/platform/actors/running/actors-in-store#pay-per-usage ## What's an Apify Actor? Actors are a software tools running on the Apify platform, for all kinds of web data extraction and automation use cases. In Batch mode, an Actor accepts a well-defined JSON input, performs an action which can take anything from a few seconds to a few hours, and optionally produces a well-defined JSON output, datasets with results, or files in key-value store. In Standby mode, an Actor provides a web server which can be used as a website, API, or an MCP server. Actors are written with capital "A". ## How to integrate an Actor? If asked about integration, you help developers integrate Actors into their projects. You adapt to their stack and deliver integrations that are safe, well-documented, and production-ready. The best way to integrate Actors is as follows. In JavaScript/TypeScript projects, use official [JavaScript/TypeScript client](https://docs.apify.com/api/client/js.md): ```bash npm install apify-client ``` In Python projects, use official [Python client library](https://docs.apify.com/api/client/python.md): ```bash pip install apify-client ``` In shell scripts, use [Apify CLI](https://docs.apify.com/cli/docs.md): ````bash # MacOS / Linux curl -fsSL https://apify.com/install-cli.sh | bash # Windows irm https://apify.com/install-cli.ps1 | iex ```bash In AI frameworks, you might use the [Apify MCP server](https://docs.apify.com/platform/integrations/mcp.md). If your project is in a different language, use the [REST API](https://docs.apify.com/api/v2.md). For usage examples, see the [API](#api) section below. For more details, see Apify documentation as [Markdown index](https://docs.apify.com/llms.txt) and [Markdown full-text](https://docs.apify.com/llms-full.txt). # README ## CFPB Enforcement Action Risk Monitor Scores public CFPB enforcement actions into workflow-ready consumer-finance risk signals. Instead of returning a raw list of enforcement pages, this Actor emits rows with: - risk score and tier - matched penalty/refund/fair-lending/product keywords - inferred product area and action type - CFPB source URL and summary/detail excerpt - delta status from the previous persisted snapshot ### Use cases - compliance and legal market intelligence - fintech / mortgage / banking competitor monitoring - supplier-risk and partner due diligence - consumer-finance regulatory watchlists ### Data source Public CFPB enforcement-action pages. The CFPB site returned 403 from this cron environment, so the Actor uses Jina Reader for public-page retrieval and does not require authentication, cookies, private accounts, or paid proxies. ### Output Each dataset item is one scored enforcement action. A `SUMMARY` key-value-store record contains run metadata, source URLs, row counts, delta counts, errors, and top matches. ### Safe defaults Default input scans the newest CFPB enforcement-actions page, enriches up to 20 public detail pages, emits rows scoring `>=35`, and persists a named snapshot for daily deltas. # Actor input Schema ## `riskKeywords` (type: `array`): Terms that indicate enforcement severity or buyer relevance. ## `productKeywords` (type: `array`): Financial product, company, or market terms to boost in scoring. ## `updatedSince` (type: `string`): Optional YYYY-MM-DD threshold on CFPB action date. ## `maxPages` (type: `integer`): CFPB enforcement-action list pages to scan via public page reader. Keep small for low-load scans. ## `enrichDetailPages` (type: `boolean`): Fetch public CFPB action detail pages for richer scoring. ## `maxDetailPages` (type: `integer`): Caps detail-page enrichment to keep runs bounded. ## `minRiskScore` (type: `integer`): Only emit enforcement actions scoring at least this high. ## `enableDelta` (type: `boolean`): Compare current CFPB action rows to the previous persisted snapshot. ## `emitRemoved` (type: `boolean`): Emit rows for previously matching actions no longer present in the current scan. ## `persistSnapshot` (type: `boolean`): Save current matching rows in a named key-value store for future delta detection. ## Actor input object example ```json { "riskKeywords": [ "redress", "refund", "penalty", "civil money penalty", "consumer harm", "deceptive", "unfair", "abusive", "discrimination", "fair lending", "credit reporting", "mortgage", "remittance", "payments", "servicing", "junk fees", "fraud" ], "productKeywords": [ "mortgage", "credit reporting", "bank", "deposit", "payments", "remittance", "auto finance", "student loan", "debt collection", "fintech", "real estate", "loan servicing" ], "updatedSince": "", "maxPages": 1, "enrichDetailPages": true, "maxDetailPages": 30, "minRiskScore": 35, "enableDelta": true, "emitRemoved": false, "persistSnapshot": true } ```` # Actor output Schema ## `results` (type: `string`): Structured CFPB enforcement rows with action date, product area, action type, risk score, keyword matches, source URL, and delta status. ## `summary` (type: `string`): Aggregate counts, top matches, errors, source URLs, and delta counts. # API You can run this Actor programmatically using our API. Below are code examples in JavaScript, Python, and CLI, as well as the OpenAPI specification and MCP server setup. ## JavaScript example ```javascript import { ApifyClient } from 'apify-client'; // Initialize the ApifyClient with your Apify API token // Replace the '' with your token const client = new ApifyClient({ token: '', }); // Prepare Actor input const input = {}; // Run the Actor and wait for it to finish const run = await client.actor("signaltools/cfpb-enforcement-action-risk-monitor").call(input); // Fetch and print Actor results from the run's dataset (if any) console.log('Results from dataset'); console.log(`💾 Check your data here: https://console.apify.com/storage/datasets/${run.defaultDatasetId}`); const { items } = await client.dataset(run.defaultDatasetId).listItems(); items.forEach((item) => { console.dir(item); }); // 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/js/docs ``` ## Python example ```python from apify_client import ApifyClient # Initialize the ApifyClient with your Apify API token # Replace '' with your token. client = ApifyClient("") # Prepare the Actor input run_input = {} # Run the Actor and wait for it to finish run = client.actor("signaltools/cfpb-enforcement-action-risk-monitor").call(run_input=run_input) # Fetch and print Actor results from the run's dataset (if there are any) print("💾 Check your data here: https://console.apify.com/storage/datasets/" + run["defaultDatasetId"]) for item in client.dataset(run["defaultDatasetId"]).iterate_items(): print(item) # 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/python/docs/quick-start ``` ## CLI example ```bash echo '{}' | apify call signaltools/cfpb-enforcement-action-risk-monitor --silent --output-dataset ``` ## MCP server setup ```json { "mcpServers": { "apify": { "command": "npx", "args": [ "mcp-remote", "https://mcp.apify.com/?tools=signaltools/cfpb-enforcement-action-risk-monitor", "--header", "Authorization: Bearer " ] } } } ``` ## OpenAPI specification ```json { "openapi": "3.0.1", "info": { "title": "CFPB Enforcement Action Risk Monitor", "description": "Score public CFPB enforcement actions into consumer-finance penalty, refund, fair-lending, credit-reporting, mortgage, payments, banking, and delta risk signals for compliance and market-intelligence workflows.", "version": "0.1", "x-build-id": "hHzgigaVcn0feJKAj" }, "servers": [ { "url": "https://api.apify.com/v2" } ], "paths": { "/acts/signaltools~cfpb-enforcement-action-risk-monitor/run-sync-get-dataset-items": { "post": { "operationId": "run-sync-get-dataset-items-signaltools-cfpb-enforcement-action-risk-monitor", "x-openai-isConsequential": false, "summary": "Executes an Actor, waits for its completion, and returns Actor's dataset items in response.", "tags": [ "Run Actor" ], "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/inputSchema" } } } }, "parameters": [ { "name": "token", "in": "query", "required": true, "schema": { "type": "string" }, "description": "Enter your Apify token here" } ], "responses": { "200": { "description": "OK" } } } }, "/acts/signaltools~cfpb-enforcement-action-risk-monitor/runs": { "post": { "operationId": "runs-sync-signaltools-cfpb-enforcement-action-risk-monitor", "x-openai-isConsequential": false, "summary": "Executes an Actor and returns information about the initiated run in response.", "tags": [ "Run Actor" ], "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/inputSchema" } } } }, "parameters": [ { "name": "token", "in": "query", "required": true, "schema": { "type": "string" }, "description": "Enter your Apify token here" } ], "responses": { "200": { "description": "OK", "content": { "application/json": { "schema": { "$ref": "#/components/schemas/runsResponseSchema" } } } } } } }, "/acts/signaltools~cfpb-enforcement-action-risk-monitor/run-sync": { "post": { "operationId": "run-sync-signaltools-cfpb-enforcement-action-risk-monitor", "x-openai-isConsequential": false, "summary": "Executes an Actor, waits for completion, and returns the OUTPUT from Key-value store in response.", "tags": [ "Run Actor" ], "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/inputSchema" } } } }, "parameters": [ { "name": "token", "in": "query", "required": true, "schema": { "type": "string" }, "description": "Enter your Apify token here" } ], "responses": { "200": { "description": "OK" } } } } }, "components": { "schemas": { "inputSchema": { "type": "object", "properties": { "riskKeywords": { "title": "Risk keywords", "type": "array", "description": "Terms that indicate enforcement severity or buyer relevance.", "default": [ "redress", "refund", "penalty", "civil money penalty", "consumer harm", "deceptive", "unfair", "abusive", "discrimination", "fair lending", "credit reporting", "mortgage", "remittance", "payments", "servicing", "junk fees", "fraud" ], "items": { "type": "string" } }, "productKeywords": { "title": "Product/company watch keywords", "type": "array", "description": "Financial product, company, or market terms to boost in scoring.", "default": [ "mortgage", "credit reporting", "bank", "deposit", "payments", "remittance", "auto finance", "student loan", "debt collection", "fintech", "real estate", "loan servicing" ], "items": { "type": "string" } }, "updatedSince": { "title": "Updated since", "type": "string", "description": "Optional YYYY-MM-DD threshold on CFPB action date.", "default": "" }, "maxPages": { "title": "Maximum result pages", "minimum": 1, "maximum": 8, "type": "integer", "description": "CFPB enforcement-action list pages to scan via public page reader. Keep small for low-load scans.", "default": 1 }, "enrichDetailPages": { "title": "Enrich detail pages", "type": "boolean", "description": "Fetch public CFPB action detail pages for richer scoring.", "default": true }, "maxDetailPages": { "title": "Maximum detail pages", "minimum": 0, "maximum": 80, "type": "integer", "description": "Caps detail-page enrichment to keep runs bounded.", "default": 30 }, "minRiskScore": { "title": "Minimum risk score", "minimum": 0, "maximum": 100, "type": "integer", "description": "Only emit enforcement actions scoring at least this high.", "default": 35 }, "enableDelta": { "title": "Detect deltas", "type": "boolean", "description": "Compare current CFPB action rows to the previous persisted snapshot.", "default": true }, "emitRemoved": { "title": "Emit removed records", "type": "boolean", "description": "Emit rows for previously matching actions no longer present in the current scan.", "default": false }, "persistSnapshot": { "title": "Persist snapshot", "type": "boolean", "description": "Save current matching rows in a named key-value store for future delta detection.", "default": true } } }, "runsResponseSchema": { "type": "object", "properties": { "data": { "type": "object", "properties": { "id": { "type": "string" }, "actId": { "type": "string" }, "userId": { "type": "string" }, "startedAt": { "type": "string", "format": "date-time", "example": "2025-01-08T00:00:00.000Z" }, "finishedAt": { "type": "string", "format": "date-time", "example": "2025-01-08T00:00:00.000Z" }, "status": { "type": "string", "example": "READY" }, "meta": { "type": "object", "properties": { "origin": { "type": "string", "example": "API" }, "userAgent": { "type": "string" } } }, "stats": { "type": "object", "properties": { "inputBodyLen": { "type": "integer", "example": 2000 }, "rebootCount": { "type": "integer", "example": 0 }, "restartCount": { "type": "integer", "example": 0 }, "resurrectCount": { "type": "integer", "example": 0 }, "computeUnits": { "type": "integer", "example": 0 } } }, "options": { "type": "object", "properties": { "build": { "type": "string", "example": "latest" }, "timeoutSecs": { "type": "integer", "example": 300 }, "memoryMbytes": { "type": "integer", "example": 1024 }, "diskMbytes": { "type": "integer", "example": 2048 } } }, "buildId": { "type": "string" }, "defaultKeyValueStoreId": { "type": "string" }, "defaultDatasetId": { "type": "string" }, "defaultRequestQueueId": { "type": "string" }, "buildNumber": { "type": "string", "example": "1.0.0" }, "containerUrl": { "type": "string" }, "usage": { "type": "object", "properties": { "ACTOR_COMPUTE_UNITS": { "type": "integer", "example": 0 }, "DATASET_READS": { "type": "integer", "example": 0 }, "DATASET_WRITES": { "type": "integer", "example": 0 }, "KEY_VALUE_STORE_READS": { "type": "integer", "example": 0 }, "KEY_VALUE_STORE_WRITES": { "type": "integer", "example": 1 }, "KEY_VALUE_STORE_LISTS": { "type": "integer", "example": 0 }, "REQUEST_QUEUE_READS": { "type": "integer", "example": 0 }, "REQUEST_QUEUE_WRITES": { "type": "integer", "example": 0 }, "DATA_TRANSFER_INTERNAL_GBYTES": { "type": "integer", "example": 0 }, "DATA_TRANSFER_EXTERNAL_GBYTES": { "type": "integer", "example": 0 }, "PROXY_RESIDENTIAL_TRANSFER_GBYTES": { "type": "integer", "example": 0 }, "PROXY_SERPS": { "type": "integer", "example": 0 } } }, "usageTotalUsd": { "type": "number", "example": 0.00005 }, "usageUsd": { "type": "object", "properties": { "ACTOR_COMPUTE_UNITS": { "type": "integer", "example": 0 }, "DATASET_READS": { "type": "integer", "example": 0 }, "DATASET_WRITES": { "type": "integer", "example": 0 }, "KEY_VALUE_STORE_READS": { "type": "integer", "example": 0 }, "KEY_VALUE_STORE_WRITES": { "type": "number", "example": 0.00005 }, "KEY_VALUE_STORE_LISTS": { "type": "integer", "example": 0 }, "REQUEST_QUEUE_READS": { "type": "integer", "example": 0 }, "REQUEST_QUEUE_WRITES": { "type": "integer", "example": 0 }, "DATA_TRANSFER_INTERNAL_GBYTES": { "type": "integer", "example": 0 }, "DATA_TRANSFER_EXTERNAL_GBYTES": { "type": "integer", "example": 0 }, "PROXY_RESIDENTIAL_TRANSFER_GBYTES": { "type": "integer", "example": 0 }, "PROXY_SERPS": { "type": "integer", "example": 0 } } } } } } } } } } ```