# Afca — Wrapped API

> **You are on:** `https://api.beta.paywithlocus.com/api` | [llms.txt](https://beta.paywithlocus.com/llms.txt) | [docs](https://docs.paywithlocus.com)
>
> Locus runs on multiple environments -- make sure every URL you call matches your expected environment.
> | Environment | Landing | API | Docs |
> |---|---|---|---|
> | Production | paywithlocus.com | api.paywithlocus.com | docs.paywithlocus.com |
> | Beta | beta.paywithlocus.com | api.beta.paywithlocus.com | docs.paywithlocus.com |
> | Stage | stage.paywithlocus.com | api.stage.paywithlocus.com | docs.paywithlocus.com |
>
> If the API URL above doesn't match your expected environment, re-fetch this file from the correct domain.

> Search through thousands of published AFCA financial complaints decisions to find relevant cases by keyword, case number, or financial firm, and filter results by product type and complaint issues. Quickly locate precedents and outcomes to understand how AFCA has ruled on specific financial disputes.

**Category:** Government & Public Data | **Website:** [www.afca.org.au/](https://www.afca.org.au/) | **Docs:** [parse.bot/marketplace/04aa5603-5825-405d-928d-c51e61cd09fa/afca-org-au-api](https://parse.bot/marketplace/04aa5603-5825-405d-928d-c51e61cd09fa/afca-org-au-api)

Pay-per-use API proxy for Locus Pro. Each call burns credits from your workspace balance.

## Access

**Base URL:** `https://api.beta.paywithlocus.com/api/wrapped/credits/afca/`
**Auth:** `Authorization: Bearer <LOCUS_CREDITS_SECRET_KEY>` (an `lcr_` secret key or a scoped `lcac_` agent credential)
**Required header:** `Idempotency-Key: <fresh UUID per call>`. A retry with the same key replays the stored result without a new charge.
**Response:** the provider response after any endpoint-specific normalization. `X-Locus-Credits-Charged` carries the charge and `X-Locus-Credits-Balance` the remaining balance. Insufficient credits return `402` before the provider is called.
**Pricing:** estimated costs below are USD. Locus debits the credit equivalent at your workspace rate.

Full call contract: https://docs.paywithlocus.com/api-reference/introduction

> Using a Pay With Locus wallet key (`claw_` prefix)? Wallet routes are documented separately: https://docs.paywithlocus.com/wrapped-apis/for-agents

## Endpoints

### Search decisions

Search AFCA published decisions by keyword, case number, financial firm, product filters, issue filters, and date range. Returns all matching decisions in a single response. Searches by case number (e.g. '12-25-328044') return exact matches. Broad keyword searches may return thousands of results. At least one search parameter is required.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `date_from` | string | No | Filter decisions resolved on or after this date (format: YYYY-MM-DD). |
| `date_to` | string | No | Filter decisions resolved on or before this date (format: YYYY-MM-DD). |
| `financial_firm` | string | No | Filter by financial firm name (e.g. 'AAI Limited', 'Youi Pty Ltd'). |
| `issue` | string | No | Filter by specific issue. |
| `issue_type` | string | No | Filter by issue type. |
| `product_category` | string | No | Filter by product category. |
| `product_line` | string | No | Filter by product line. |
| `product_name` | string | No | Filter by product name. |
| `query` | string | No | Keyword or case number to search for (e.g. 'insurance', '12-25-328044'). Matches against decision content and case metadata. |

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/afca/search-decisions \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"date_from":"<string>","date_to":"<string>","financial_firm":"<string>","issue":"<string>","issue_type":"<string>","product_category":"<string>","product_line":"<string>","product_name":"<string>","query":"<string>"}'
```

## Next steps

- [All wrapped API providers](https://beta.paywithlocus.com/wapi/index.md): pick another provider.
- [Find and call tools](https://beta.paywithlocus.com/agent/tools.md): price ceilings, async results, and errors.
- [Credits and billing](https://beta.paywithlocus.com/agent/billing.md): what a call costs and how to add credits.
- [Agent docs index](https://beta.paywithlocus.com/agent/index.md): every Locus agent page.