# Financing Ad Checker: Truth in Lending Triggers (`ultimatemc/financing-ad-trigger-term-checker`) Actor

Check car dealer, furniture and retail ads for US credit and lease advertising trigger terms ($X/mo, $X down, 72 months) and the disclosures Regulation Z 1026.24 and Regulation M 1013.7 then require: APR, down payment, repayment terms, due at signing, security deposit. Sources per finding.

- **URL**: https://apify.com/ultimatemc/financing-ad-trigger-term-checker.md
- **Developed by:** [Ultimate Foresight Inc](https://apify.com/ultimatemc) (community)
- **Categories:** Marketing, Business, Automation
- **Security:** Limited permissions
- **Stats:** 2 total users, 1 monthly users, 100.0% runs succeeded, 0 bookmarks
- **User rating**: No ratings yet

## Pricing

from $3.00 / 1,000 results

This Actor is paid per event and usage. You are charged both the fixed price for specific events and for Apify platform usage.

Learn more: https://docs.apify.com/actors/running/actors-in-store.md#pay-per-event

## What's an Apify Actor?

An Actor is a serverless cloud program that runs on the Apify platform. It has two run modes.
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.

Apify vocabulary and the platform model are defined once, in the agent quickstart at https://apify.com/agents.md.

## 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.

Do not guess an integration path. Every one of them is in the agent quickstart at https://apify.com/agents.md: the Apify MCP server, Agent Skills with the Apify CLI, the JavaScript and Python clients, the REST API, and the account-free path for an agent with no human to sign in. It also carries the rule on stating cost before the first paid run.

For examples already wired to this Actor's own input schema, see the [API](#api) section below.

Each client library has reference documentation the quickstart does not restate: [JavaScript/TypeScript](https://docs.apify.com/api/client/js/docs.md) (`npm install apify-client`) and [Python](https://docs.apify.com/api/client/python/docs.md) (`pip install apify-client`).

# README

Check **car dealer, product and retail ads** for **Truth in Lending trigger terms** used without the required disclosures. The **Financing Ad Checker** finds **monthly payment amounts, number of payments or term, down payment amounts and finance charges** in ad text and flags ads that don't also show the **down payment, repayment terms and APR** (Regulation Z, 12 CFR 1026.24). It also checks **lease ads** under **Regulation M (12 CFR 1013.7)**: payment and 'due at signing' triggers, missing lease disclosures, and lease rates shown as an APR. Click **Start** with the prefilled example to see it work.

> This is an automated screen of ad text, not a legal determination. It can't see disclosures in images, video or linked pages, and state rules can add requirements. A clean result doesn't mean an ad complies. Not legal advice; every row carries this disclaimer and a timestamp.

### What does the Financing Ad Checker do?

- ✅ **Credit trigger terms**: '$289/mo', '72 months', '$2,000 down', 'finance charge' and similar.
- ✅ **Missing credit disclosures** when a trigger is used: down payment, repayment terms and the APR.
- ✅ **Rates not stated as an APR**: '0% financing' without 'annual percentage rate' or 'APR'.
- ✅ **Lease triggers** and missing lease disclosures: that it's a lease, amount due at signing, number and period of payments, and security deposit.
- ✅ **Lease rates called APR** and lease rates without the required notice.
- ✅ Warranties, trials, rentals and subscriptions aren't treated as credit terms.
- ✅ Output per row: `adType`, `triggerTerms`, `disclosuresFound`, `dwellingSecured`, `riskLevel`, `issueCount`, `issues` (`ruleId`, `severity`, `message`, `quote`, `sourceUrl`, `fixHint`), `checkedAt` and a disclaimer.

### Who is it for?

- **Car dealers and dealer groups** checking VDP and listing text across sites.
- **Automotive marketplaces and ad agencies** screening dealer ads at scale.
- **Retailers offering financing** ('pay $49/month') checking promo copy.
- **Compliance teams and consultants** auditing ad libraries.

### How to check ads for Truth in Lending trigger terms

1. Click **Start** with the prefilled example (a monthly payment ad with no APR, a 0% for 72 months offer, a lease payment ad and a fully disclosed ad).
2. Replace the input with your own: `title`, `adText`, `description` and `disclaimer` (fine print).
3. Or enter a **Dataset ID** from a Cars.com, AutoTrader, CarGurus, Facebook Ad Library or other ad and listing scraper. Common fields are detected automatically; use **Field map** for nested ones.
4. Turn on **Only save rows with findings** to skip clean rows; you only pay for saved rows.
5. Export results as CSV, Excel or JSON, or fetch them through the API.

### Input example

This is the prefilled input:

```json
{
  "ads": [
    {
      "id": "EXAMPLE-CIVIC",
      "title": "Example 2021 Honda Civic EX",
      "adText": "Only $289/mo! Financing available OAC. Low miles, one owner."
    },
    {
      "id": "EXAMPLE-F150",
      "title": "Example used F-150",
      "adText": "0% financing for 72 months on select trucks!"
    },
    {
      "id": "EXAMPLE-CAMRY-LEASE",
      "title": "Example 2025 Camry lease",
      "adText": "Lease a new Camry for $299/mo!"
    },
    {
      "id": "EXAMPLE-RAV4",
      "title": "Example 2023 RAV4 XLE",
      "adText": "$2,000 down, 60 monthly payments of $412 at 4.9% APR, with approved credit. Price excludes tax, title and license."
    }
  ]
}
```

Dataset mode:

```json
{"datasetId": "YOUR_DATASET_ID", "fieldMap": {"adText": "snapshot.body.text", "disclaimer": "finePrint"}, "onlyFlagged": true}
```

### Output example

Real output from a run of the prefilled input on 2026-11-02 (long finding lists are shortened here; the run returns all of them):

```json
[
  {
    "itemNo": 1,
    "adId": "EXAMPLE-CIVIC",
    "title": "Example 2021 Honda Civic EX",
    "adType": "credit",
    "triggerTerms": [
      "credit: payment amount"
    ],
    "disclosuresFound": {
      "credit": {
        "downPayment": false,
        "termsOfRepayment": false,
        "apr": false
      }
    },
    "dwellingSecured": false,
    "riskLevel": "medium",
    "issueCount": 1,
    "issues": [
      {
        "ruleId": "credit_trigger_missing_disclosures",
        "severity": "medium",
        "message": "Credit ad states a trigger term (payment amount) but no down payment amount or percentage; no terms of repayment (number and amount of payments); no 'annual percentage rate' / APR was found. 12 CFR 1026.24(d) then requires the down payment, the terms of repayment and the APR (and whether it may increase).",
        "quote": "Example 2021 Honda Civic EX Only $289/mo! Financing available OAC. Low miles, on...",
        "sourceUrl": "https://www.consumerfinance.gov/rules-policy/regulations/1026/24/",
        "fixHint": "Add e.g. '$2,000 down, 60 monthly payments of $412 at 4.9% APR' or remove the trigger term."
      }
    ],
    "url": null,
    "checkedAt": "2026-11-02T19:51:13+00:00",
    "disclaimer": "Automated keyword screening of the ad text supplied against Regulation Z (12 CFR 1026.24)..."
  },
  {
    "itemNo": 2,
    "adId": "EXAMPLE-F150",
    "title": "Example used F-150",
    "adType": "credit",
    "triggerTerms": [
      "credit: number of payments or repayment period"
    ],
    "disclosuresFound": {
      "credit": {
        "downPayment": false,
        "termsOfRepayment": false,
        "apr": false
      }
    },
    "dwellingSecured": false,
    "riskLevel": "medium",
    "issueCount": 2,
    "issues": [
      {
        "ruleId": "credit_trigger_missing_disclosures",
        "severity": "medium",
        "message": "Credit ad states a trigger term (number of payments or repayment period) but no down payment amount or percentage; no terms of repayment (number and amount of payments); no 'annual percentage rate' / APR was found. 12 CFR 1026.24(d) then requires the down payment, the terms of repayment and the APR (and whether it may increase).",
        "quote": "Example used F-150 0% financing for 72 months on select trucks!",
        "sourceUrl": "https://www.consumerfinance.gov/rules-policy/regulations/1026/24/",
        "fixHint": "Add e.g. '$2,000 down, 60 monthly payments of $412 at 4.9% APR' or remove the trigger term."
      },
      {
        "ruleId": "rate_not_stated_as_apr",
        "severity": "medium",
        "message": "A rate of finance charge is stated but the ad never uses 'annual percentage rate' or 'APR'. 12 CFR 1026.24(c) requires any stated rate to be stated as an APR.",
        "quote": "Example used F-150 0% financing for 72 months on select trucks!",
        "sourceUrl": "https://www.consumerfinance.gov/rules-policy/regulations/1026/24/",
        "fixHint": "State the rate as e.g. '0% APR'."
      }
    ],
    "url": null,
    "checkedAt": "2026-11-02T19:51:13+00:00",
    "disclaimer": "Automated keyword screening of the ad text supplied against Regulation Z (12 CFR 1026.24)..."
  },
  {
    "itemNo": 3,
    "adId": "EXAMPLE-CAMRY-LEASE",
    "title": "Example 2025 Camry lease",
    "adType": "lease",
    "triggerTerms": [
      "lease: payment amount"
    ],
    "disclosuresFound": {
      "lease": {
        "isLease": true,
        "dueAtSigning": false,
        "numberAndPeriodOfPayments": false,
        "securityDeposit": false,
        "endOfTermCharges": false
      }
    },
    "dwellingSecured": false,
    "riskLevel": "medium",
    "issueCount": 2,
    "issues": [
      {
        "ruleId": "lease_trigger_missing_disclosures",
        "severity": "medium",
        "message": "Lease ad states a trigger term (payment amount) but no total amount due at lease signing or delivery; no number, amounts and due dates or periods of the scheduled payments; no whether a security deposit is required was found. 12 CFR 1013.7(d) then requires all of them, plus a statement that the transaction is a lease.",
        "quote": "...2025 Camry lease Lease a new Camry for $299/mo!",
        "sourceUrl": "https://www.consumerfinance.gov/rules-policy/regulations/1013/7/",
        "fixHint": "Add the missing items (e.g. '36-month closed-end lease, 36 payments of $299. $2,999 due at signing. No security deposit required.')."
      },
      {
        "ruleId": "lease_end_of_term_statement",
        "severity": "info",
        "message": "No statement about end-of-term charges found. 1013.7(d)(2)(v) requires one where the lessee's liability is based on the difference between residual and realized value (open-end leases).",
        "quote": "...2025 Camry lease Lease a new Camry for $299/mo!",
        "sourceUrl": "https://www.consumerfinance.gov/rules-policy/regulations/1013/7/",
        "fixHint": null
      }
    ],
    "url": null,
    "checkedAt": "2026-11-02T19:51:13+00:00",
    "disclaimer": "Automated keyword screening of the ad text supplied against Regulation Z (12 CFR 1026.24)..."
  },
  {
    "itemNo": 4,
    "adId": "EXAMPLE-RAV4",
    "title": "Example 2023 RAV4 XLE",
    "adType": "credit",
    "triggerTerms": [
      "credit: payment amount",
      "credit: number of payments or repayment period",
      "credit: down payment amount or percentage"
    ],
    "disclosuresFound": {
      "credit": {
        "downPayment": true,
        "termsOfRepayment": true,
        "apr": true
      }
    },
    "dwellingSecured": false,
    "riskLevel": "info only",
    "issueCount": 1,
    "issues": [
      {
        "ruleId": "trigger_terms_with_disclosures",
        "severity": "info",
        "message": "Trigger terms found and the required disclosures appear in the text. Check accuracy and that they're clear and conspicuous.",
        "quote": null,
        "sourceUrl": "https://www.consumerfinance.gov/rules-policy/regulations/1026/24/",
        "fixHint": null
      }
    ],
    "url": null,
    "checkedAt": "2026-11-02T19:51:13+00:00",
    "disclaimer": "Automated keyword screening of the ad text supplied against Regulation Z (12 CFR 1026.24)..."
  }
]
```

### How much does it cost to check financing ads?

This Actor uses pay-per-event pricing: **$0.003 per ad saved** plus a **$0.00005 start fee per run**, plus small platform usage paid by you (a few hundredths of a cent for small runs). That's about **$3.00 for 1,000 ads** and **$30.00 for 10,000** plus usage. With **Only save rows with findings** on, rows without findings aren't saved or charged. You can set a maximum cost per run in the run options.

### Use it through the API, integrations or AI agents

- Run it and get results in one call: `https://api.apify.com/v2/acts/ultimatemc~financing-ad-trigger-term-checker/run-sync-get-dataset-items`
- Use it from AI agents through the Apify MCP server: `https://mcp.apify.com?tools=ultimatemc/financing-ad-trigger-term-checker`
- Schedule it after a daily scraper run, send flagged rows to Slack or email with webhooks, or connect it to Make, Zapier, n8n or Google Sheets.
- Chain it after any listing or ad library scraper by passing the scraper's dataset ID.

### How it works

Checks are deterministic rules written from 12 CFR 1026.24 (Regulation Z advertising) and 12 CFR 1013.7 (Regulation M lease advertising) on the CFPB's site, checked on 2026-11-02. Ad text, description and fine print are read together, and context such as warranty terms, trial periods and rentals is skipped. No AI and no external calls.

Sources:

- [CFPB: 12 CFR 1026.24, Advertising (Regulation Z)](https://www.consumerfinance.gov/rules-policy/regulations/1026/24/)
- [CFPB: 12 CFR 1013.7, Advertising (Regulation M)](https://www.consumerfinance.gov/rules-policy/regulations/1013/7/)

### FAQ

#### What is a trigger term?

A specific credit term in an ad, such as the payment amount, number of payments, term, down payment or finance charge. Using one requires other disclosures in the same ad.

#### Is 'financing available' a trigger?

No. General statements like 'easy monthly payments' or 'financing available' don't trigger extra disclosures.

#### Does it cover home loans?

It flags dwelling-secured ads with an info note, since Regulation Z has extra rules for them that aren't fully checked.

#### Does it read fine print in images?

No. Pass the disclaimer text in the `disclaimer` field if you have it.

#### Is it AI?

No. It's a fixed set of rules, so the same input always gives the same result.

### Limitations

- Text only; disclosures in images, video or linked pages aren't seen.
- State advertising rules aren't covered.
- Dwelling-secured, open-end and multi-page ads have extra rules that are only partly covered.

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Found a false positive? Open an issue on the **Issues** tab with the ad text and what you expected, and we'll review the rule.

# Actor input Schema

## `ads` (type: `array`):

Array of objects with "adText" (or "title" and "description") and optional "disclaimer" (fine print), "id" and "url". The prefilled example shows common gaps next to complete ads; replace it with your own.

## `texts` (type: `array`):

One ad text (with any fine print) per entry.

## `datasetId` (type: `string`):

Apify dataset with ads or listings, for example the output of a Meta Ad Library, Cars.com, AutoTrader, CarGurus or Facebook Marketplace scraper, or Website Content Crawler on dealer specials pages. Common fields (text, body, description, disclaimer) are detected automatically; override them with Field map.

## `fieldMap` (type: `object`):

Override field names; dotted paths work for nested fields. Example: {"adText": "snapshot.body.text", "disclaimer": "finePrint"}.

## `onlyFlagged` (type: `boolean`):

Skip ads with no findings (you are only charged for saved rows).

## `maxItems` (type: `integer`):

Maximum number of ads to check in this run.

## Actor input object example

```json
{
  "ads": [
    {
      "id": "EXAMPLE-CIVIC",
      "title": "Example 2021 Honda Civic EX",
      "adText": "Only $289/mo! Financing available OAC. Low miles, one owner."
    },
    {
      "id": "EXAMPLE-F150",
      "title": "Example used F-150",
      "adText": "0% financing for 72 months on select trucks!"
    },
    {
      "id": "EXAMPLE-CAMRY-LEASE",
      "title": "Example 2025 Camry lease",
      "adText": "Lease a new Camry for $299/mo!"
    },
    {
      "id": "EXAMPLE-RAV4",
      "title": "Example 2023 RAV4 XLE",
      "adText": "$2,000 down, 60 monthly payments of $412 at 4.9% APR, with approved credit. Price excludes tax, title and license."
    }
  ],
  "onlyFlagged": false,
  "maxItems": 20000
}
```

# Actor output Schema

## `results` (type: `string`):

No description

# 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 '<YOUR_API_TOKEN>' with your token
const client = new ApifyClient({
    token: '<YOUR_API_TOKEN>',
});

// Prepare Actor input
const input = {
    "ads": [
        {
            "id": "EXAMPLE-CIVIC",
            "title": "Example 2021 Honda Civic EX",
            "adText": "Only $289/mo! Financing available OAC. Low miles, one owner."
        },
        {
            "id": "EXAMPLE-F150",
            "title": "Example used F-150",
            "adText": "0% financing for 72 months on select trucks!"
        },
        {
            "id": "EXAMPLE-CAMRY-LEASE",
            "title": "Example 2025 Camry lease",
            "adText": "Lease a new Camry for $299/mo!"
        },
        {
            "id": "EXAMPLE-RAV4",
            "title": "Example 2023 RAV4 XLE",
            "adText": "$2,000 down, 60 monthly payments of $412 at 4.9% APR, with approved credit. Price excludes tax, title and license."
        }
    ]
};

// Run the Actor and wait for it to finish
const run = await client.actor("ultimatemc/financing-ad-trigger-term-checker").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 '<YOUR_API_TOKEN>' with your token.
client = ApifyClient("<YOUR_API_TOKEN>")

# Prepare the Actor input
run_input = { "ads": [
        {
            "id": "EXAMPLE-CIVIC",
            "title": "Example 2021 Honda Civic EX",
            "adText": "Only $289/mo! Financing available OAC. Low miles, one owner.",
        },
        {
            "id": "EXAMPLE-F150",
            "title": "Example used F-150",
            "adText": "0% financing for 72 months on select trucks!",
        },
        {
            "id": "EXAMPLE-CAMRY-LEASE",
            "title": "Example 2025 Camry lease",
            "adText": "Lease a new Camry for $299/mo!",
        },
        {
            "id": "EXAMPLE-RAV4",
            "title": "Example 2023 RAV4 XLE",
            "adText": "$2,000 down, 60 monthly payments of $412 at 4.9% APR, with approved credit. Price excludes tax, title and license.",
        },
    ] }

# Run the Actor and wait for it to finish
run = client.actor("ultimatemc/financing-ad-trigger-term-checker").call(run_input=run_input)

# Fetch and print Actor results from the run's dataset (if there are any)
print(f"💾 Check your data here: https://console.apify.com/storage/datasets/{run.default_dataset_id}")
for item in client.dataset(run.default_dataset_id).iterate_items():
    print(item)

# 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/python/docs/quick-start

```

## CLI example

```bash
echo '{
  "ads": [
    {
      "id": "EXAMPLE-CIVIC",
      "title": "Example 2021 Honda Civic EX",
      "adText": "Only $289/mo! Financing available OAC. Low miles, one owner."
    },
    {
      "id": "EXAMPLE-F150",
      "title": "Example used F-150",
      "adText": "0% financing for 72 months on select trucks!"
    },
    {
      "id": "EXAMPLE-CAMRY-LEASE",
      "title": "Example 2025 Camry lease",
      "adText": "Lease a new Camry for $299/mo!"
    },
    {
      "id": "EXAMPLE-RAV4",
      "title": "Example 2023 RAV4 XLE",
      "adText": "$2,000 down, 60 monthly payments of $412 at 4.9% APR, with approved credit. Price excludes tax, title and license."
    }
  ]
}' |
apify call ultimatemc/financing-ad-trigger-term-checker --silent --output-dataset

```

## MCP server setup

```json
{
    "mcpServers": {
        "apify": {
            "type": "http",
            "url": "https://mcp.apify.com/?tools=fetch-actor-details,ultimatemc/financing-ad-trigger-term-checker"
        }
    }
}
```

The hosted server signs you in with OAuth on first connect, so no API token belongs in this config. Clients without OAuth support can send an `Authorization: Bearer <APIFY_API_TOKEN>` header instead, using a token from API & Integrations in Apify Console (https://console.apify.com/settings/integrations).

## OpenAPI specification

Download the OpenAPI definition: https://api.apify.com/v2/actors/gyVEunuXsOnLyTJrb/builds/ZPjbcANEAJAy7AIjG/openapi.json