{"id":"cfpb-credit-card-terms-data","name":"CFPB Terms of Credit Card Plans Data","provider":"Consumer Financial Protection Bureau","entitlement_type":"eligibility-directory","entitlement_type_label":"Eligibility directory","entitlement_type_context":{"definition":"A searchable directory or referral system for finding programs whose actual eligibility and terms are determined by separate providers.","domain":"discovery-tools","archetype":"directory-or-locator","agent_instruction":"Use it to identify candidate programs, then verify eligibility, availability, cost, and application steps with the administering provider."},"summary":"Public semiannual pricing and availability data from more than 150 credit-card issuers; useful for validating underlying card costs rather than tracking welcome offers.","benefit":{"description":"Open comparison data for card pricing, fees, and availability conditions.","estimated_value_usd":null},"discovery":{"focus":"public-service","has_estimated_dollar_value":false},"access":{"relationships":["Public data user"],"requirements":"No eligibility requirement to download the data; consumers must separately qualify for any card.","activation":"Download the current survey files and consult the data dictionary.","cost_basis":"no-cost","cost_basis_label":"No-cost access","cost_basis_context":{"classification":"free","definition":"The core benefit has no required payment, purchase, deposit, paid membership, or pre-existing paid-product relationship under the captured terms.","agent_instruction":"Still disclose optional add-ons, transportation, parking, replacement charges, taxes, capacity, and eligibility conditions found in fees or requirements.","variation_patterns":null,"does_not_mean":null},"fees":"No fee to access the public data.","personalized":false,"regions":["US"],"expires":null},"status":"verified","last_checked":"2026-08-04","claim_url":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/","source_url":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/","source":{"primary_url":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/","evidence":[{"source":"Provider","url":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/","kind":"provider","checked_at":"2026-08-04"}]},"parent":null,"coverage":null,"web_url":"/benefits/cfpb-credit-card-terms-data","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}