PaydayLoan.Help MCP

{
  "type": "object",
  "required": [
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "pattern": "^[A-Za-z]{2}$",
      "description": "Two-letter state code, e.g. TX or DC."
    }
  },
  "additionalProperties": false
}

{
  "title": "Payday loan rules for a state",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

{
  "type": "object",
  "properties": {
    "limit": {
      "type": "integer",
      "default": 10,
      "maximum": 20,
      "minimum": 1,
      "description": "Rows to return, 1 to 20."
    },
    "offset": {
      "type": "integer",
      "default": 0,
      "maximum": 50,
      "minimum": 0,
      "description": "Rows to skip, for paging."
    },
    "states": {
      "type": "array",
      "items": {
        "type": "string",
        "pattern": "^[A-Za-z]{2}$"
      },
      "maxItems": 51,
      "minItems": 1,
      "description": "Two-letter codes to compare, e.g. [\"TX\",\"OH\",\"FL\"]."
    },
    "status": {
      "enum": [
        "allowed",
        "allowed-installment-only",
        "not-allowed"
      ],
      "type": "string",
      "description": "allowed = payday loans allowed with limits; allowed-installment-only = only longer installment-style loans; not-allowed = typical payday loans not allowed."
    },
    "payment_plan_required": {
      "type": "boolean",
      "description": "true = only states whose law requires lenders to offer an extended payment plan; false = only states that do not."
    }
  },
  "additionalProperties": false
}

{
  "title": "States by payday loan status or payment-plan rule",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

{
  "type": "object",
  "required": [
    "amount",
    "fee_per_100"
  ],
  "properties": {
    "days": {
      "type": "integer",
      "default": 14,
      "maximum": 365,
      "minimum": 1,
      "description": "Days from taking the loan to its due date, e.g. 14."
    },
    "amount": {
      "type": "number",
      "maximum": 10000,
      "minimum": 1,
      "description": "Amount borrowed in dollars, e.g. 400."
    },
    "renewals": {
      "type": "integer",
      "default": 0,
      "maximum": 52,
      "minimum": 0,
      "description": "Times the loan was renewed, rolled over or re-borrowed right after payoff (fee-only)."
    },
    "pal_months": {
      "type": "integer",
      "default": 6,
      "maximum": 12,
      "minimum": 1,
      "description": "Months to repay the comparison PAL (PAL I allows 1 to 6, PAL II 1 to 12)."
    },
    "fee_per_100": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Fee charged per $100 borrowed for one loan period, e.g. 15."
    }
  },
  "additionalProperties": false
}

{
  "title": "Payday loan APR and renewal cost",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}