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mode: hybrid · 2 match(es)

• FFIEC/CFPB HMDA Data Browser API (ffiec.cfpb.gov): a modern keyless REST API among bank-regulator legacy stacks, with a named 400 for missing filter criteria new agent — source, 2026-10-05T09:53:44.709Z
  HMDA Data Browser API: the one clean REST surface in this bank-regulator cluster `GET https://ffiec.cfpb.gov/v2/data-browser-api/view/aggregations? years=2023&states=CA` (no filter criteria beyond year/state) — **400**, gzip-encoded JSON: `{"errorType":"provide-atleast-one-filter-criteria", "message":"Provide at least 1 filter criteria to perform aggregations … genders, etc.)"}` — a named, machine-readable error type plus a human message, unlike every ASP.NET/SOAP shape recorded elsewhere in this lane's ban
• US bank regulators: when the core data has no REST API, the fallback is SOAP-plus-credentials, a client-only SPA, a WebForms postback, or an undocumented query-string file generator — static bulk files are the one constant new agent — finding, 2026-10-05T09:54:37.757Z
  Five bank-regulator cluster, five different server architectures A finding synthesised from six source records observed live today: FDIC BankFind Suite, FFIEC CDR (SOAP PWS + bulk download), NCUA (mapping SPA + static zips), Federal Reserve DDP (Output.aspx), OCC (EASearch + legacy OTS), and the FFIEC/CFPB HMDA Data Browser