Turnbull Law Group API integration services

1. Settlement-offer webhook into a CRM

Business context: a debt-relief operator's customer-success team needs to react within hours of a creditor offer landing in the client's app, before the offer expires. We attach a webhook listener to the in-app push pipeline and translate the signal into an HTTP callback to the operator's CRM (Salesforce, HubSpot, or Shape). Data involved: settlement offer object, expiration timestamp, current dedicated-account balance. OpenFinance mapping: this mirrors the FDX EVENT_NOTIFICATION pattern used in US open-banking event feeds.

2. Daily deposit and balance reconciliation

Business context: program operators reconcile dedicated-account balances against the third-party escrow processor each morning. We deliver a nightly snapshot pulled at 02:00 local time containing every enrolled member's dedicated balance, pending deposit and cleared deposit for the prior 24 hours. Mapping: aligns with FDX accounts/transactions and accounts/balances resources, simplifying onward integration with Plaid, MX or Akoya pipelines.

3. Enrolled-debt portfolio export to a BI warehouse

Business context: leadership wants weekly portfolio analytics — creditor concentration, average enrolled balance, settlement velocity. We export the full enrolled-debt roster plus settlement timeline into the operator's warehouse (Snowflake, BigQuery, Redshift) via a CDC stream. Field-level coverage includes original creditor, balance enrolled, current status, and per-debt settlement history. This unlocks dashboards comparable to those built on FDX statement APIs at a bank.

4. Member-facing financial-wellness mash-up

Business context: a partner financial-wellness app wants to surface the user's debt-relief progress alongside budgeting data from YNAB or Bright Money. We expose a member-scoped read-only API returning enrolled debt, savings tally, next deposit and program-completion percentage. This is a textbook OpenFinance use case: consumer-permissioned data sharing of regulated financial state across two distinct apps.

5. Compliance evidence pipeline

Business context: under the FTC Telemarketing Sales Rule, debt-relief operators must prove that no fee was collected before a settlement was reached and the consumer authorized it. We capture every authorization event (offer ID, user ID, device, timestamp) and stream them to an append-only ledger (S3 Object Lock, or a WORM-style log). Mapping: parallels the consent-receipt pattern used in OpenBanking and PSD2 SCA.

API example: list enrolled debts

// REST: pull enrolled-debt roster for one program member
GET /api/v1/turnbull/members/{member_id}/debts
Authorization: Bearer <ACCESS_TOKEN>
Accept: application/json

// 200 OK
{
  "member_id": "m_8821",
  "as_of": "2026-05-02T14:03:11Z",
  "debts": [
    {
      "debt_id": "d_104",
      "creditor": "Capital One",
      "account_tail": "4421",
      "enrolled_balance_cents": 487300,
      "status": "under_negotiation",
      "last_offer_id": "o_5512",
      "settlement_progress_pct": 0
    },
    {
      "debt_id": "d_105",
      "creditor": "Discover",
      "account_tail": "0098",
      "enrolled_balance_cents": 612000,
      "status": "settled",
      "settlement_progress_pct": 100
    }
  ]
}

API example: settlement-offer webhook

// Push: settlement offer ready for authorization
POST {your_callback_url}
X-Turnbull-Signature: t=1714659791,v1=<HMAC_SHA256>
Content-Type: application/json

{
  "event": "settlement_offer.created",
  "offer_id": "o_5512",
  "member_id": "m_8821",
  "debt_id": "d_104",
  "creditor": "Capital One",
  "original_balance_cents": 487300,
  "settled_amount_cents": 219285,
  "savings_cents": 268015,
  "expires_at": "2026-05-09T23:59:59Z",
  "authorize_url": "https://api.example.com/v1/turnbull/offers/o_5512/authorize"
}

// Verify with: HMAC_SHA256(signing_secret, "{t}.{raw_body}")
// Reply 2xx within 5s; we retry with exponential back-off for 24h.

API example: dedicated-account balance

// REST: read program escrow / dedicated account balance
GET /api/v1/turnbull/members/{member_id}/dedicated-account
Authorization: Bearer <ACCESS_TOKEN>

// 200 OK
{
  "member_id": "m_8821",
  "currency": "USD",
  "available_cents": 184220,
  "pending_cents": 25000,
  "projected_after_next_deposit_cents": 234220,
  "next_deposit_at": "2026-05-09",
  "next_deposit_cents": 25000,
  "updated_at": "2026-05-02T14:03:11Z"
}

// Errors: 401 invalid_token | 403 consent_revoked
//         429 rate_limited (Retry-After in seconds)

Auth, transport & error handling

Authentication uses a server-side broker that performs the same OAuth/token exchange the mobile app does, then issues short-lived bearer tokens to your backend. Transport is TLS 1.3 only. Webhook deliveries are HMAC-signed with a per-tenant secret; we recommend rejecting any payload older than 5 minutes. Errors follow RFC 7807 (application/problem+json) with a stable type URI so clients can branch on machine-readable error codes.

Compliance & privacy

Debt-relief integrations sit under tightly enforced US consumer-finance rules. We build to the FTC Telemarketing Sales Rule (16 CFR Part 310), which prohibits collecting fees before a debt has been altered or settled and the consumer has made a payment under the new arrangement. We also align with CFPB Regulation F guidance on debt-collection communication and the relevant state debt-adjuster statutes. The 2024 TSR amendments effective January 9, 2025, tightened technical-support and impersonation rules — our pipelines log every consent event and offer authorization to an append-only ledger so operators can demonstrate compliance during audits.

Privacy posture

• Consumer-permissioned access only — no scraping without explicit, revocable consent.
• Data minimization: only the fields your use case justifies are emitted (e.g. account-number tails, not full PANs).
• Token storage is server-side; the consumer's password never reaches your infrastructure.
• Field-level encryption at rest; PII redaction profiles for analytics environments.
• Configurable retention windows aligned with state debt-adjuster record-keeping rules.

What we deliver

• OpenAPI 3.1 specification covering members, debts, settlements, deposits and authorization events
• Protocol & auth flow report (OAuth/token exchange, session refresh, push-channel binding)
• Runnable source for the broker, REST endpoints and webhook dispatcher (Python and Node.js)
• Webhook signing reference implementation and replay-attack test harness
• Postman / Insomnia collection plus integration test suite
• Compliance pack: TSR alignment notes, consent-receipt template, retention guidance

About OpenFinance Lab

We are an independent technical-services studio focused on mobile-app protocol analysis, OpenData/OpenFinance integration, and authorized API delivery. Our engineers come from consumer-finance, payments, and security backgrounds, and have shipped integrations across debt relief, retail banking, broker-dealers, and cross-border payments.

• End-to-end pipeline: protocol analysis → schema design → build → validation → compliance review
• Source-code delivery from $300 — runnable APIs and full documentation, pay after delivery upon satisfaction
• Pay-per-call hosted API — no upfront fee, billed by usage; ideal for teams that prefer variable cost
• NDA-friendly engagements; private repo handover available

Engagement workflow

1. Scope confirmation: which Turnbull data surfaces (offers, balances, debts) and the target consumer system.
2. Authorization model design: consumer consent capture, token broker, refresh strategy (1–2 business days).
3. Protocol analysis & API design (2–5 business days).
4. Build, internal validation and webhook signing tests (3–8 business days).
5. Documentation, sample clients, compliance notes (1–2 business days).
6. Typical first delivery: 5–15 business days end-to-end.

FAQ

What data can be exported from the Turnbull Law Group dashboard?

How do you authenticate against the Turnbull dashboard?

How long does delivery take?

Is this compliant with US debt-relief rules?