Lithic's Statements API provides a comprehensive, compliant infrastructure for credit product statement generation that directly supports Regulation Z (Truth in Lending Act) requirements.

The API automatically calculates and exposes all mandated disclosures including:

Payment Allocation across principal/interest/fees
Detailed APR breakdowns by transaction category
Critical Payoff Disclosure information
Granular transaction categorization
Interest calculation methodology
Account standing metrics like days past due, consecutive payment tracking, and grace period status

API Schema Guide

GET /v1/financial_accounts/{financial_account_token}/statements/{statement_token}

Retrieves a single statement for a financial account. Returns detailed billing period data including balances, transaction totals, account standing, interest details, payoff projections, and payment information.

Core Identifiers

Attribute	Type	Required	Description
`token`	string	Yes	Globally unique identifier for the statement
`financial_account_token`	UUID	Yes	Globally unique identifier for the financial account
`credit_product_token`	string	Yes	Globally unique identifier for the credit product

Timestamps

Attribute	Type	Required	Description
`created`	date-time	Yes	When the statement was created
`updated`	date-time	Yes	When the statement was last updated

Statement Period

Attribute	Type	Required	Description
`statement_start_date`	date	Yes	When the billing period began
`statement_end_date`	date	Yes	When the billing period ended
`days_in_billing_cycle`	integer	Yes	Number of days in the billing cycle
`statement_type`	enum	Yes	Type of statement: `INITIAL`, `PERIOD_END`, or `FINAL`

Payment Information

Attribute	Type	Required	Description
`payment_due_date`	date	No	When payment for this statement is due
`next_payment_due_date`	date	No	When the next payment is due
`next_statement_end_date`	date	No	When the next billing period will end

Amount Due

amount_due (object, required)

Attribute	Type	Description
`amount`	integer	Payment due at end of billing period in cents. Negative = owed. Positive = net credit. This is the auto-collection amount if enabled
`past_due`	integer	Amount past due in cents

Balances

Attribute	Type	Required	Description
`starting_balance`	integer	Yes	Balance at the start of the billing period in cents
`ending_balance`	integer	Yes	Balance at the end of the billing period in cents. For charge cards, equals statement amount due
`available_credit`	integer	Yes	Amount of credit available to spend in cents
`credit_limit`	integer	Yes	Maximum credit balance extended by the lender in cents

Account Standing

account_standing (object, required)

Attribute	Type	Description
`consecutive_full_payments_made`	integer	Number of consecutive full payments made
`consecutive_minimum_payments_made`	integer	Number of consecutive minimum payments made
`consecutive_minimum_payments_missed`	integer	Number of consecutive minimum payments missed
`days_past_due`	integer	Number of days past due
`has_grace`	boolean	Whether the account currently has grace
`period_number`	integer	Current overall period number
`period_state`	enum	`STANDARD`, `PROMO`, or `PENALTY`

Financial Account State

Nested under account_standing.financial_account_state (object).

Attribute	Type	Required	Description
`status`	enum	Yes	`OPEN`, `CLOSED`, `PENDING`, or `SUSPENDED`
`substatus`	enum	No	`DELINQUENT`, `CHARGED_OFF_DELINQUENT`, `CHARGED_OFF_FRAUD`, `BANK_REQUEST`, or `END_USER_REQUEST`

Transaction Totals (Period) — Enhanced

period_totals (object, required) — Transaction totals for this billing period. All values in cents.

Attribute	Type	Description
`purchases`	integer	Net card transaction volume less cash advances
`cash_advances`	integer	ATM and cashback transactions
`balance_transfers`	integer	Opening balance transferred from previous account
`payments`	integer	Funds transfers affecting the balance
`credits`	integer	Credit management operations less balance transfers
`fees`	integer	Volume of debit transactions on the `financial_account`. Redundant with `debits`
`interest`	integer	Interest accrued
`debits`	integer	New. Volume of debit transactions on the `financial_account`. Redundant with `fees`
`credit_details`	object	New. Breakdown of credits by category
`debit_details`	object	New. Breakdown of debits by category
`payment_details`	object	New. Breakdown of payments by category

Transaction Totals (Year-to-Date) — Enhanced

ytd_totals (object, required) — Same enhanced structure as period_totals, but aggregated for the entire year.

Interest Details

interest_details (object, optional) — Interest calculation information.

Attribute	Type	Required	Description
`interest_calculation_method`	enum	Yes	`DAILY` or `AVERAGE_DAILY`
`prime_rate`	string	No	Prime rate used for calculations
`actual_interest_charged`	integer	No	Actual interest charged in cents
`minimum_interest_charged`	integer	No	Minimum interest charged in cents

Daily Balance Amounts

Nested under interest_details.daily_balance_amounts (object).

Attribute	Type	Description
`purchases`	string	Daily balance for purchases
`cash_advances`	string	Daily balance for cash advances
`balance_transfers`	string	Daily balance for balance transfers

Effective APR

Nested under interest_details.effective_apr (object).

Attribute	Type	Description
`purchases`	string	APR for purchases
`cash_advances`	string	APR for cash advances
`balance_transfers`	string	APR for balance transfers

Interest for Period

Nested under interest_details.interest_for_period (object).

Attribute	Type	Description
`purchases`	string	Interest accrued on purchases
`cash_advances`	string	Interest accrued on cash advances
`balance_transfers`	string	Interest accrued on balance transfers

Payoff Details (New)

payoff_details (object, optional) — Projections for paying off the current balance.

Attribute	Type	Description
`minimum_payment_months`	string	Months to pay off balance with minimum payments only. `"NA"` indicates negative or zero amortization
`minimum_payment_total`	string	Total interest + principal when paying minimum only. `"NA"` indicates negative or zero amortization
`payoff_period_length_months`	integer	Number of months to full payoff
`payoff_period_monthly_payment_amount`	integer	Amount needed monthly (in cents) to achieve payoff