@borrowbetter/arpcsdk 0.2.0 → 0.4.0

package/dist/index.d.mts

@@ -17,9 +17,8 @@ interface HttpResponse<T> {
  * SDK configuration.
  *
  * The library never reads the environment itself — a consumer constructs
- * `new ArpcSDK(config)`, which calls `configure()`. The `configFromEnv()` helper
- * is a convenience for the dev scripts (smoke / server), which load `.env` via
- * dotenv-flow and pass the result in.
+ * `new ArpcSDK(config)`, which calls `configure()`. Where that config comes
+ * from (env vars, a secrets manager, a config service) is the caller's business.
  */
 /**
  * Bearer-token store. The SDK authenticates lazily on the first gateway call:
@@ -35,11 +34,29 @@ interface TokenCache {
     /** Persist a freshly exchanged token. `expiresAt` already includes the SDK's refresh skew. */
     set(token: string, expiresAt: Date): Promise<void>;
 }
-interface ArpcConfig {
+/** FDR deployment target. Selects both hosts — see `ARPC_ENDPOINTS`. */
+type ArpcEnvironment = "dev" | "stg" | "prd";
+/** The host pair a single environment resolves to. */
+interface ArpcEndpoint {
     /** OAuth host — token exchange only (`POST /v1/token`). */
-    oauthUrl: string;
+    readonly oauth: string;
     /** API gateway host — every non-auth call. */
-    gatewayUrl: string;
+    readonly gateway: string;
+}
+/**
+ * Per-environment hosts. The two differ by domain, not just subdomain: the
+ * OAuth host is `ffngcp.com`, the gateway is `fdrgcp.com`.
+ *
+ * Frozen: this table backs both host resolution and environment validation, so
+ * a consumer mutating it would quietly change SDK behavior.
+ */
+declare const ARPC_ENDPOINTS: Readonly<Record<ArpcEnvironment, ArpcEndpoint>>;
+/**
+ * Narrow a raw string to an `ArpcEnvironment`. Useful when the value arrives
+ * untyped — an env var, a JSON config file, a request payload.
+ */
+declare function isArpcEnvironment(value: string): value is ArpcEnvironment;
+interface ArpcAuth {
     /**
      * OAuth client_id (HTTP Basic username). Also used as the lead's
      * `seller_agent_email` — the OAuth identity is a registered DRA agent.
@@ -50,13 +67,31 @@ interface ArpcConfig {
     /** Bearer-token store. Defaults to an in-memory, per-process cache. */
     cache?: TokenCache;
 }
+/**
+ * Escape hatch — per-host overrides of the `environment` defaults. Omit a key
+ * (or leave it `undefined`) to keep that environment's host.
+ */
+interface ArpcUrls {
+    /** OAuth host — token exchange only (`POST /v1/token`). */
+    oauth?: string;
+    /** API gateway host — every non-auth call. */
+    gateway?: string;
+}
+interface ArpcConfig {
+    /** Selects the FDR environment. Drives both hosts. */
+    environment: ArpcEnvironment;
+    auth: ArpcAuth;
+    urls?: ArpcUrls;
+}
 
 /**
  * Generated by orval v7.21.0 🍺
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Stable machine-readable reason for the violation. See ValidationReasonCode.
@@ -76,7 +111,9 @@ declare const FieldValidationErrorReasonCode: {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -96,7 +133,9 @@ interface FieldValidationError {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -124,7 +163,9 @@ interface ARPCErrorResponse {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Street address
@@ -147,7 +188,9 @@ interface Address {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Address used by v2. ZIP is exposed as zip_code on the public request.
@@ -160,7 +203,7 @@ interface RegisterApplicantV2Address {
     /** US state code — 2 characters */
     state: string;
     /** 5-digit ZIP code */
-    zip_code?: string;
+    zip_code: string;
     /** Country code */
     country?: string;
 }
@@ -170,7 +213,9 @@ interface RegisterApplicantV2Address {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -188,7 +233,7 @@ interface Applicant {
     /** Secondary / evening phone number (required, 10 digits) */
     evening_phone_number: string;
     /**
-     * Social Security Number — exactly 9 numeric digits, no dashes.
+     * Social Security Number — exactly 9 numeric digits, no dashes. Required when Spinwheel is used as the credit bureau; optional for any other bureau.
      * @pattern ^\d{9}$
      */
     ssn: string;
@@ -196,7 +241,7 @@ interface Applicant {
     fdr_applicant_id?: string;
     /** Seller-assigned applicant reference ID */
     reference_id?: string;
-    /** Date the applicant gave user consent (ISO-8601 datetime) */
+    /** Date the applicant gave user consent (YYYY-MM-DD) */
     consent_date: string;
     /** Applicant date of birth (YYYY-MM-DD, required) */
     date_of_birth: string;
@@ -211,7 +256,9 @@ interface Applicant {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 interface ApplicationSendEmailResponse {
     status?: string;
@@ -225,7 +272,9 @@ interface ApplicationSendEmailResponse {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Audit metadata
@@ -240,7 +289,45 @@ interface AuditInfo {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Account type
+ */
+type BankDetailsAccountType = typeof BankDetailsAccountType[keyof typeof BankDetailsAccountType];
+declare const BankDetailsAccountType: {
+    readonly Checking: "Checking";
+    readonly Savings: "Savings";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Account sub-type
+ */
+type BankDetailsAccountSubtype = typeof BankDetailsAccountSubtype[keyof typeof BankDetailsAccountSubtype];
+declare const BankDetailsAccountSubtype: {
+    readonly Business: "Business";
+    readonly Personal: "Personal";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -251,9 +338,9 @@ type BankDetails = {
     /** Bank name */
     name?: string;
     /** Account type */
-    account_type?: string;
+    account_type?: BankDetailsAccountType;
     /** Account sub-type */
-    account_subtype?: string;
+    account_subtype?: BankDetailsAccountSubtype;
     /** Bank account number */
     account_number?: string;
     /** Bank routing number */
@@ -280,7 +367,9 @@ type BankDetails = {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Bank account input fields
@@ -297,7 +386,9 @@ interface BankDetailsInput {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -316,7 +407,9 @@ interface BankUpdateRequest {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Check type identifier
@@ -332,7 +425,9 @@ declare const CheckType: {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -355,7 +450,9 @@ interface Check {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -423,7 +520,9 @@ interface CoApplicant {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Required consent strings for regulatory and platform compliance
@@ -446,7 +545,9 @@ interface Consents {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Lead distribution routing configuration
@@ -463,7 +564,51 @@ interface LeadDistribution {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Primary hardship category
+ */
+type CreateLeadRequestHardshipCategory = typeof CreateLeadRequestHardshipCategory[keyof typeof CreateLeadRequestHardshipCategory];
+declare const CreateLeadRequestHardshipCategory: {
+    readonly Job_Loss: "Job Loss";
+    readonly Reduced_Income: "Reduced Income";
+    readonly Medical: "Medical";
+    readonly Divorce: "Divorce";
+    readonly Unexpected_Expenses: "Unexpected Expenses";
+    readonly Other: "Other";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Primary goal category
+ */
+type CreateLeadRequestGoalCategory = typeof CreateLeadRequestGoalCategory[keyof typeof CreateLeadRequestGoalCategory];
+declare const CreateLeadRequestGoalCategory: {
+    readonly Avoid_Bankruptcy: "Avoid Bankruptcy";
+    readonly Get_out_of_Debt: "Get out of Debt";
+    readonly 'Build_personal_wealth,_savings': "Build personal wealth, savings";
+    readonly Relieve_pressure_of_monthly_bills: "Relieve pressure of monthly bills";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -541,7 +686,9 @@ interface LeadApplicantInput {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Whether the condition is currently active
@@ -557,7 +704,29 @@ declare const LeadConditionActive: {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Condition type. soft-condition types omit the verified field in the response.
+ */
+type LeadConditionType = typeof LeadConditionType[keyof typeof LeadConditionType];
+declare const LeadConditionType: {
+    readonly 'soft-condition': "soft-condition";
+    readonly 'hard-condition': "hard-condition";
+    readonly waiver: "waiver";
+    readonly acknowledgement: "acknowledgement";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -572,7 +741,7 @@ type LeadCondition = {
     /** Whether the condition is currently active */
     active?: LeadConditionActive;
     /** Condition type. soft-condition types omit the verified field in the response. */
-    type?: string;
+    type?: LeadConditionType;
     /**
      * Whether the condition has been verified by underwriting. Absent for soft-condition type.
      * @nullable
@@ -594,7 +763,9 @@ type LeadCondition = {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -672,7 +843,9 @@ interface DebtAccount {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -774,12 +947,12 @@ interface CreateLeadRequest {
     transportation_expenses?: number;
     /** Other miscellaneous monthly expenses (USD) */
     other_expenses_describe?: number;
-    /** Primary hardship category code */
-    hardship_category?: string;
+    /** Primary hardship category */
+    hardship_category?: CreateLeadRequestHardshipCategory;
     /** Free-text description when hardship category is 'other' */
     hardship_category_other?: string;
-    /** Primary goal category code */
-    goal_category?: string;
+    /** Primary goal category */
+    goal_category?: CreateLeadRequestGoalCategory;
     /** Free-text description when goal category is 'other' */
     goal_category_other?: string;
     /** Next paycheck date (YYYY-MM-DD) */
@@ -818,17 +991,88 @@ interface CreateLeadRequest {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Current program / opportunity stage
+ */
+type LeadApplicationStatus = typeof LeadApplicationStatus[keyof typeof LeadApplicationStatus];
+declare const LeadApplicationStatus: {
+    readonly Attempting_Contact: "Attempting Contact";
+    readonly Contacted: "Contacted";
+    readonly Waiting_for_Statements: "Waiting for Statements";
+    readonly Submit_to_UW: "Submit to UW";
+    readonly UW_Processing: "UW Processing";
+    readonly Waiting_for_Agreement: "Waiting for Agreement";
+    readonly Agreement_Review: "Agreement Review";
+    readonly Welcome_Call_Pending: "Welcome Call Pending";
+    readonly Attorney_Review: "Attorney Review";
+    readonly Pending_Enrollment: "Pending Enrollment";
+    readonly Enrolled_Client: "Enrolled Client";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Client's preferred language
+ */
+type LeadApplicationLanguage = typeof LeadApplicationLanguage[keyof typeof LeadApplicationLanguage];
+declare const LeadApplicationLanguage: {
+    readonly English: "English";
+    readonly Spanish: "Spanish";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Bankruptcy status on file
+ */
+type LeadApplicantBankruptcy = typeof LeadApplicantBankruptcy[keyof typeof LeadApplicantBankruptcy];
+declare const LeadApplicantBankruptcy: {
+    readonly No: "No";
+    readonly Chapter_7: "Chapter 7";
+    readonly Chapter_11: "Chapter 11";
+    readonly Chapter_12: "Chapter 12";
+    readonly Chapter_13: "Chapter 13";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Pay frequency
  */
 type LeadApplicantPayFrequency = typeof LeadApplicantPayFrequency[keyof typeof LeadApplicantPayFrequency];
 declare const LeadApplicantPayFrequency: {
+    readonly none: "none";
     readonly weekly: "weekly";
     readonly 'bi-weekly': "bi-weekly";
-    readonly 'semi-monthly': "semi-monthly";
-    readonly monthly: "monthly";
+    readonly split: "split";
+    readonly regular: "regular";
+    readonly irregular: "irregular";
+    readonly unknown: "unknown";
 };
 
 /**
@@ -836,7 +1080,9 @@ declare const LeadApplicantPayFrequency: {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Current employment status
@@ -846,7 +1092,7 @@ declare const LeadApplicantEmploymentStatus: {
     readonly 'Full-Time': "Full-Time";
     readonly 'Part-Time': "Part-Time";
     readonly 'Self-Employed': "Self-Employed";
-    readonly Unemployed: "Unemployed";
+    readonly Not_Employed: "Not Employed";
     readonly Retired: "Retired";
     readonly Other: "Other";
 };
@@ -856,7 +1102,9 @@ declare const LeadApplicantEmploymentStatus: {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -879,7 +1127,7 @@ type LeadApplicant = {
     /** Monthly unemployment income (USD) */
     unemployment?: number;
     /** Bankruptcy status on file */
-    bankruptcy?: string;
+    bankruptcy?: LeadApplicantBankruptcy;
     /**
      * Conditions associated with this applicant
      * @nullable
@@ -955,7 +1203,79 @@ type LeadApplicant = {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Sub-status of the current stage
+ */
+type LeadApplicationSubStatus = typeof LeadApplicationSubStatus[keyof typeof LeadApplicationSubStatus];
+declare const LeadApplicationSubStatus: {
+    readonly UW_Approved: "UW Approved";
+    readonly UW_Conditional_Approval: "UW Conditional Approval";
+    readonly Agreement_Not_Generated: "Agreement Not Generated";
+    readonly View_Only_Agreement_Sent: "View Only Agreement Sent";
+    readonly Agreement_Acknowledgement_Sent: "Agreement Acknowledgement Sent";
+    readonly Agreement_Acknowledgement_Received: "Agreement Acknowledgement Received";
+    readonly Agreement_Acknowledgement_Pending: "Agreement Acknowledgement Pending";
+    readonly Agreement_Generated: "Agreement Generated";
+    readonly 'Agreement_Sent_-_Signature_Pending': "Agreement Sent - Signature Pending";
+    readonly Agreement_Not_Sent: "Agreement Not Sent";
+    readonly Agreement_Voided: "Agreement Voided";
+    readonly Client_Declined_Agreement: "Client Declined Agreement";
+    readonly Agreement_Update_Required: "Agreement Update Required";
+    readonly Agreement_Received: "Agreement Received";
+    readonly Welcome_Call_Ready: "Welcome Call Ready";
+    readonly Welcome_Call_Complete: "Welcome Call Complete";
+    readonly Not_Interested: "Not Interested";
+    readonly Low_Debt: "Low Debt";
+    readonly Bad_State: "Bad State";
+    readonly Pushed_to_CS_SalesForce: "Pushed to CS SalesForce";
+    readonly Request_Additional_Info: "Request Additional Info";
+    readonly Resubmit_to_UW: "Resubmit to UW";
+    readonly Assign_to_UW: "Assign to UW";
+    readonly Assigned_to_UW: "Assigned to UW";
+    readonly Leader_Review: "Leader Review";
+    readonly Resubmit_to_Welcome_Call: "Resubmit to Welcome Call";
+    readonly Pending_Documents: "Pending Documents";
+    readonly Resubmit_to_Agreement_Review: "Resubmit to Agreement Review";
+    readonly Aborted: "Aborted";
+    readonly Client_Termination: "Client Termination";
+    readonly Pending_Enrollment: "Pending Enrollment";
+    readonly UW_Review_Required: "UW Review Required";
+    readonly DNC: "DNC";
+    readonly Resubmit_for_Enrollment: "Resubmit for Enrollment";
+    readonly Unable_to_contact: "Unable to contact";
+    readonly Partner_Transfer: "Partner Transfer";
+    readonly Internal_Transfer: "Internal Transfer";
+    readonly Program_Review_Complete: "Program Review Complete";
+    readonly Sending_for_Attorney_Review: "Sending for Attorney Review";
+    readonly Unable_to_Send_for_Attorney_Review: "Unable to Send for Attorney Review";
+    readonly Attorney_Routing_Failed: "Attorney Routing Failed";
+    readonly Sent_for_Attorney_Review: "Sent for Attorney Review";
+    readonly Received_by_Law_Firm: "Received by Law Firm";
+    readonly Attorney_Unable_to_Contact: "Attorney Unable to Contact";
+    readonly Resubmit_to_Attorney_Review: "Resubmit to Attorney Review";
+    readonly Attorney_Review_Update: "Attorney Review Update";
+    readonly Attorney_Agreement_Signed: "Attorney Agreement Signed";
+    readonly Attorney_Rejection: "Attorney Rejection";
+    readonly Attorney_Law_Firm_Enrolled: "Attorney Law Firm Enrolled";
+    readonly Program_Review_Ready: "Program Review Ready";
+    readonly Agreement_Paused: "Agreement Paused";
+    readonly 'Attorney_Call-Back_Scheduled': "Attorney Call-Back Scheduled";
+    readonly Request_for_Change: "Request for Change";
+    readonly Appointment_Missed: "Appointment Missed";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Indicates whether the program is FDR or CSS serviced
@@ -971,7 +1291,30 @@ declare const LeadApplicationFdrOrCss: {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Draft frequency type, as reported by the lead.
+
+⚠️ Patched locally by `openapi/repairs.ts` — this differs from FDR's published spec.
+ */
+type LeadApplicationDraftType = typeof LeadApplicationDraftType[keyof typeof LeadApplicationDraftType];
+declare const LeadApplicationDraftType: {
+    readonly 'Bi-Weekly': "Bi-Weekly";
+    readonly Regular: "Regular";
+    readonly Split: "Split";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Whether client is on fixed income. Salesforce returns this as the string \"Yes\" or \"No\" (not a boolean).
@@ -987,7 +1330,9 @@ declare const LeadApplicationFixedIncome: {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Whether the client owns or rents their home
@@ -1003,7 +1348,75 @@ declare const LeadApplicationOwnOrRent: {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Primary hardship category
+ */
+type LeadApplicationHardshipCategory = typeof LeadApplicationHardshipCategory[keyof typeof LeadApplicationHardshipCategory];
+declare const LeadApplicationHardshipCategory: {
+    readonly Job_Loss: "Job Loss";
+    readonly Reduced_Income: "Reduced Income";
+    readonly Medical: "Medical";
+    readonly Divorce: "Divorce";
+    readonly Unexpected_Expenses: "Unexpected Expenses";
+    readonly Other: "Other";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Client's primary financial goal category
+ */
+type LeadApplicationGoalCategory = typeof LeadApplicationGoalCategory[keyof typeof LeadApplicationGoalCategory];
+declare const LeadApplicationGoalCategory: {
+    readonly Avoid_Bankruptcy: "Avoid Bankruptcy";
+    readonly Get_out_of_Debt: "Get out of Debt";
+    readonly 'Build_personal_wealth,_savings': "Build personal wealth, savings";
+    readonly Relieve_pressure_of_monthly_bills: "Relieve pressure of monthly bills";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Client's secondary financial goal
+ */
+type LeadApplicationSecondaryGoal = typeof LeadApplicationSecondaryGoal[keyof typeof LeadApplicationSecondaryGoal];
+declare const LeadApplicationSecondaryGoal: {
+    readonly Purchase_a_home: "Purchase a home";
+    readonly 'Major_purchase_(eg_car,_vacation,_home_improvement,_etc)': "Major purchase (e.g. car, vacation, home improvement, etc)";
+    readonly Improve_Credit_Score: "Improve Credit Score";
+    readonly Retirement: "Retirement";
+    readonly Get_married: "Get married";
+    readonly 'Pay_for_children\'s_college': "Pay for children's college";
+    readonly Help_family: "Help family";
+    readonly Other: "Other";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Source of the credit report pull (also present inside applicant)
@@ -1019,7 +1432,9 @@ declare const LeadApplicationCreditPullSource: {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Creditor or original creditor details
@@ -1056,7 +1471,9 @@ interface LeadCreditor {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Responsibility type for the account
@@ -1066,6 +1483,13 @@ declare const LeadDebtAccountResponsibility: {
     readonly individual: "individual";
     readonly joint: "joint";
     readonly 'authorized-user': "authorized-user";
+    readonly 'co-signer': "co-signer";
+    readonly business: "business";
+    readonly 'on-behalf-of': "on-behalf-of";
+    readonly signer: "signer";
+    readonly deceased: "deceased";
+    readonly terminated: "terminated";
+    readonly undesignated: "undesignated";
 };
 
 /**
@@ -1073,7 +1497,9 @@ declare const LeadDebtAccountResponsibility: {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Ownership of the account
@@ -1090,15 +1516,114 @@ declare const LeadDebtAccountOwnership: {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Source of the debt account record
+ */
+type LeadDebtAccountSource = typeof LeadDebtAccountSource[keyof typeof LeadDebtAccountSource];
+declare const LeadDebtAccountSource: {
+    readonly cbr: "cbr";
+    readonly 'added-by-client': "added-by-client";
+    readonly 'cbr-modified-by-client': "cbr-modified-by-client";
+    readonly 'cbr-removed-by-client': "cbr-removed-by-client";
+    readonly 'added-by-dc': "added-by-dc";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Type of account
+ */
+type LeadDebtAccountAccountType = typeof LeadDebtAccountAccountType[keyof typeof LeadDebtAccountAccountType];
+declare const LeadDebtAccountAccountType: {
+    readonly 'credit-card': "credit-card";
+    readonly 'unsecured-loan': "unsecured-loan";
+    readonly 'secured-debt': "secured-debt";
+    readonly mortgage: "mortgage";
+    readonly 'line-of-credit': "line-of-credit";
+    readonly collections: "collections";
+    readonly medical: "medical";
+    readonly auto: "auto";
+    readonly 'education-loan': "education-loan";
+    readonly 'secured-credit-card': "secured-credit-card";
+    readonly 'credit-union': "credit-union";
+    readonly 'federal-credit-union': "federal-credit-union";
+    readonly 'with-law-firm': "with-law-firm";
+    readonly 'old-judgement': "old-judgement";
+    readonly 'discontinued-service': "discontinued-service";
+    readonly 'business-debt-other': "business-debt-other";
+    readonly 'business-debt-credit-card': "business-debt-credit-card";
+    readonly 'business-debt-loan': "business-debt-loan";
+    readonly 'government-debt': "government-debt";
+    readonly 'legal-fees': "legal-fees";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Ineligibility reason identifier (PS_Id__c from PS_Evaluations_Config__mdt). See PgIneligibleReasonId for the full set of known values.
+ */
+type IneligibleReasonReasonId = typeof IneligibleReasonReasonId[keyof typeof IneligibleReasonReasonId];
+declare const IneligibleReasonReasonId: {
+    readonly 'account-debt-too-low': "account-debt-too-low";
+    readonly 'ca-ab1405-joint-debt-3rd-party': "ca-ab1405-joint-debt-3rd-party";
+    readonly 'conflict-of-interest-ffam-cplus-balance': "conflict-of-interest-ffam-cplus-balance";
+    readonly 'conflict-of-interest-ffam-fplus-balance': "conflict-of-interest-ffam-fplus-balance";
+    readonly 'credit-union-cross-collateral': "credit-union-cross-collateral";
+    readonly 'debt-too-low': "debt-too-low";
+    readonly 'duplicate-account': "duplicate-account";
+    readonly 'ineligible-applicants': "ineligible-applicants";
+    readonly 'invalid-balance-date': "invalid-balance-date";
+    readonly 'invalid-balance-date-percent-exceeded': "invalid-balance-date-percent-exceeded";
+    readonly 'merchandise-account-too-new': "merchandise-account-too-new";
+    readonly 'secured-loan': "secured-loan";
+    readonly 'single-creditor-collection-debt-percent-exceeded': "single-creditor-collection-debt-percent-exceeded";
+    readonly 'unacceptable-creditor': "unacceptable-creditor";
+    readonly 'unacceptable-education': "unacceptable-education";
+    readonly 'unacceptable-equipment': "unacceptable-equipment";
+    readonly 'unacceptable-government': "unacceptable-government";
+    readonly 'unacceptable-insurance': "unacceptable-insurance";
+    readonly 'unacceptable-legal-fees': "unacceptable-legal-fees";
+    readonly 'unacceptable-mortgage': "unacceptable-mortgage";
+    readonly 'unacceptable-responsibility': "unacceptable-responsibility";
+    readonly 'unacceptable-secured': "unacceptable-secured";
+    readonly 'unacceptable-state': "unacceptable-state";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
+
 /**
  * Ineligibility reason code wrapper
  * @nullable
  */
 type IneligibleReason = {
-    /** Ineligibility reason identifier */
-    reason_id?: string;
+    /** Ineligibility reason identifier (PS_Id__c from PS_Evaluations_Config__mdt). See PgIneligibleReasonId for the full set of known values. */
+    reason_id?: IneligibleReasonReasonId;
 } | null;
 
 /**
@@ -1106,7 +1631,9 @@ type IneligibleReason = {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -1127,7 +1654,7 @@ interface LeadDebtAccount {
     /** Ownership of the account */
     ownership?: LeadDebtAccountOwnership;
     /** Source of the debt account record */
-    source?: string;
+    source?: LeadDebtAccountSource;
     /** Age / delinquency bucket of the debt */
     aging?: string;
     /** Rank assigned by DebtAccountRankingUtil (lower = higher priority) */
@@ -1166,7 +1693,7 @@ interface LeadDebtAccount {
     /** Whether the account is active */
     is_active?: string;
     /** Type of account */
-    account_type?: string;
+    account_type?: LeadDebtAccountAccountType;
     /** Sub-type of the account */
     sub_account_type?: string;
     /** Condition of the account */
@@ -1201,6 +1728,16 @@ interface LeadDebtAccount {
     credit_utilization?: string;
     /** Most recent delinquency bucket reported */
     most_recent_delinquency?: string;
+    /**
+     * Credit bureau that reported this tradeline
+     * @nullable
+     */
+    tradeline_source?: string | null;
+    /**
+     * Universal identifier for the tradeline across credit bureaus
+     * @nullable
+     */
+    universal_id?: string | null;
     /** First name of the joint account holder, if applicable */
     joint_holder_first_name?: string;
     /** Last name of the joint account holder, if applicable */
@@ -1225,19 +1762,136 @@ interface LeadDebtAccount {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Tier label for this payment option
+ * @nullable
+ */
+type PaymentOptionEvaluationType = typeof PaymentOptionEvaluationType[keyof typeof PaymentOptionEvaluationType] | null;
+declare const PaymentOptionEvaluationType: {
+    readonly Most_Affordable: "Most Affordable";
+    readonly Best_Value: "Best Value";
+    readonly Fastest: "Fastest";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+
+/**
+ * A single selectable payment option
+ * @nullable
+ */
+type PaymentOption = {
+    /** Monthly deposit amount for this option (USD) */
+    monthly_deposit?: number;
+    /** Total program cost for this option (USD) */
+    program_cost?: number;
+    /** Program length for this option (months) */
+    program_length?: number;
+    /**
+     * Tier label for this payment option
+     * @nullable
+     */
+    evaluation_type?: PaymentOptionEvaluationType;
+} | null;
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Draft frequency type
+ */
+type PaymentScheduleDraftType = typeof PaymentScheduleDraftType[keyof typeof PaymentScheduleDraftType];
+declare const PaymentScheduleDraftType: {
+    readonly regular: "regular";
+    readonly split: "split";
+    readonly 'bi-weekly': "bi-weekly";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+
+/**
+ * A single draft-frequency schedule within a payment schedule option
+ */
+interface PaymentSchedule {
+    /** Schedule identifier */
+    id?: string;
+    /** Draft frequency type */
+    draft_type?: PaymentScheduleDraftType;
+    /** Draft deposit amount for this schedule (USD) */
+    draft_deposit?: number;
+    /** Effective monthly payment amount regardless of draft frequency (USD) */
+    estimated_monthly_payment?: number;
+}
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
- * A single selectable payment option
+ * Tier label for this schedule option
+ */
+type PaymentScheduleOptionEvaluationType = typeof PaymentScheduleOptionEvaluationType[keyof typeof PaymentScheduleOptionEvaluationType];
+declare const PaymentScheduleOptionEvaluationType: {
+    readonly Most_Affordable: "Most Affordable";
+    readonly Best_Value: "Best Value";
+    readonly Fastest: "Fastest";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+
+/**
+ * A payment tier with three draft-frequency schedule breakdowns
  * @nullable
  */
-type PaymentOption = {
-    /** Monthly deposit amount for this option (USD) */
-    monthly_deposit?: number;
-    /** Total program cost for this option (USD) */
-    program_cost?: number;
+type PaymentScheduleOption = {
+    /** Schedule option identifier */
+    id?: string;
+    /** Available draft schedules for this option (regular, split, bi-weekly) */
+    schedules?: PaymentSchedule[];
+    /** Tier label for this schedule option */
+    evaluation_type?: PaymentScheduleOptionEvaluationType;
     /** Program length for this option (months) */
     program_length?: number;
+    /** Total program cost for this option (USD) */
+    program_cost?: number;
 } | null;
 
 /**
@@ -1245,7 +1899,9 @@ type PaymentOption = {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -1253,11 +1909,11 @@ type PaymentOption = {
  */
 interface LeadApplication {
     /** Current program / opportunity stage */
-    status?: string;
+    status?: LeadApplicationStatus;
     /** Program lifecycle state (e.g. Active, Closed, Cancelled) */
     state?: string;
     /** Client's preferred language */
-    language?: string;
+    language?: LeadApplicationLanguage;
     /**
      * Whether this application passed program eligibility checks
      * @nullable
@@ -1278,7 +1934,7 @@ interface LeadApplication {
      */
     conditions?: LeadCondition[] | null;
     /** Sub-status of the current stage */
-    sub_status?: string;
+    sub_status?: LeadApplicationSubStatus;
     /**
      * DEX-specific flow status set by the partner integration
      * @nullable
@@ -1374,8 +2030,10 @@ interface LeadApplication {
     savings_vs_enrolled_debt?: number;
     /** Monthly draft amount (USD) */
     draft_amount?: number;
-    /** Draft frequency type */
-    draft_type?: string;
+    /** Draft frequency type, as reported by the lead.
+  
+  ⚠️ Patched locally by `openapi/repairs.ts` — this differs from FDR's published spec. */
+    draft_type?: LeadApplicationDraftType;
     /** Date of first programme draft (YYYY-MM-DD) */
     first_draft_date?: string;
     /** Second draft date for bi-weekly drafts (YYYY-MM-DD) */
@@ -1439,21 +2097,21 @@ interface LeadApplication {
     /** Other expenses amount (numeric) */
     other_expenses_describe?: number;
     /** Primary hardship category */
-    hardship_category?: string;
+    hardship_category?: LeadApplicationHardshipCategory;
     /**
      * Free-text hardship description when category is 'Other'
      * @nullable
      */
     hardship_category_other?: string | null;
     /** Client's primary financial goal category */
-    goal_category?: string;
+    goal_category?: LeadApplicationGoalCategory;
     /**
      * Free-text goal when category is 'Other'
      * @nullable
      */
     goal_category_other?: string | null;
     /** Client's secondary financial goal */
-    secondary_goal?: string;
+    secondary_goal?: LeadApplicationSecondaryGoal;
     /** Justification for housing cost amount */
     housing_justification?: string;
     /** Justification for transportation cost amount */
@@ -1561,6 +2219,11 @@ interface LeadApplication {
      * @nullable
      */
     payment_options?: PaymentOption[] | null;
+    /**
+     * Payment schedule options — three program tiers (Most Affordable, Best Value, Fastest), each with regular, split, and bi-weekly draft schedule breakdowns. Present when payment_options is non-empty.
+     * @nullable
+     */
+    payment_schedule_options?: PaymentScheduleOption[] | null;
     bank_details?: BankDetails;
     /**
      * Reasons the application is ineligible, if any. Normalised from a comma-separated string to an array of reason objects.
@@ -1574,7 +2237,9 @@ interface LeadApplication {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -1595,7 +2260,9 @@ interface CreateLeadResponse {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Consent record for soft credit pull
@@ -1611,7 +2278,9 @@ type CreditPullConsent = {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Applicant signing URL details
@@ -1626,7 +2295,9 @@ interface DraApplicant {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * DocuSign signing method. Use 'url' for embedded signing, 'email' for standard email signing.
@@ -1642,7 +2313,9 @@ declare const DraApplicantInputSigningType: {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -1658,7 +2331,9 @@ interface DraApplicantInput {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -1675,7 +2350,9 @@ interface DraRequest {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -1692,7 +2369,9 @@ interface DraResponse {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Address for eligibility request
@@ -1715,7 +2394,9 @@ interface EligibilityAddress {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -1742,7 +2423,9 @@ interface EligibilityApplicant {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -1754,6 +2437,11 @@ interface EligibilityApplication {
     debt_accounts?: LeadDebtAccount[];
     /** Selectable payment options (3 tiers) */
     payment_options?: PaymentOption[];
+    /**
+     * Payment schedule options — three program tiers (Most Affordable, Best Value, Fastest), each with regular, split, and bi-weekly draft schedule breakdowns. Present when payment_options is non-empty.
+     * @nullable
+     */
+    payment_schedule_options?: PaymentScheduleOption[] | null;
     /** Total enrolled debt (USD) */
     estimated_total_debt?: number;
     /** Total cost if no action taken (USD) */
@@ -1821,7 +2509,9 @@ interface EligibilityApplication {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Debt account entry for eligibility check (no-credit-pull path)
@@ -1861,7 +2551,9 @@ type EligibilityDebtAccount = {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -1883,7 +2575,9 @@ interface EligibilityRequest {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -1902,15 +2596,46 @@ interface EligibilityResponse {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
- * Gate type identifier
+ * Check type identifier
  */
 type ReadinessCheckType = typeof ReadinessCheckType[keyof typeof ReadinessCheckType];
 declare const ReadinessCheckType: {
+    readonly lead: "lead";
     readonly uw_submission: "uw_submission";
     readonly dra: "dra";
+    readonly readiness: "readiness";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Stable machine-readable code you can safely branch on.
+ */
+type ReadinessErrorDetailReasonCode = typeof ReadinessErrorDetailReasonCode[keyof typeof ReadinessErrorDetailReasonCode];
+declare const ReadinessErrorDetailReasonCode: {
+    readonly REQUIRED: "REQUIRED";
+    readonly DUPLICATE_EMAIL: "DUPLICATE_EMAIL";
+    readonly HARDSHIP_CHECK_FAILED: "HARDSHIP_CHECK_FAILED";
+    readonly PO_BOX_NOT_ALLOWED: "PO_BOX_NOT_ALLOWED";
+    readonly DEBT_ACCOUNTS_MISSING: "DEBT_ACCOUNTS_MISSING";
+    readonly MEDICAL_DEBT_INVALID: "MEDICAL_DEBT_INVALID";
+    readonly MANUAL_DEBT_INVALID: "MANUAL_DEBT_INVALID";
+    readonly DEBT_TOTAL_MISMATCH: "DEBT_TOTAL_MISMATCH";
+    readonly PROGRAM_START_DATE_INVALID: "PROGRAM_START_DATE_INVALID";
+    readonly CONDITION_NOT_VERIFIED: "CONDITION_NOT_VERIFIED";
+    readonly PROVISIONAL_DEBT_ABOVE_THRESHOLD: "PROVISIONAL_DEBT_ABOVE_THRESHOLD";
 };
 
 /**
@@ -1918,19 +2643,55 @@ declare const ReadinessCheckType: {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+
+/**
+ * Structured failure entry within a readiness check
+ * @nullable
+ */
+type ReadinessErrorDetail = {
+    /**
+     * Dotted JSON path of the input field that caused the failure (snake_case). Omitted when the failure is not tied to a specific field.
+     * @nullable
+     */
+    field?: string | null;
+    /** Stable machine-readable code you can safely branch on. */
+    reason_code?: ReadinessErrorDetailReasonCode;
+    /** Human-readable explanation — same text as in errors[]. May be reworded over time; do not match on this value. */
+    message?: string;
+} | null;
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
- * Result of a single readiness gate check
+ * Individual readiness check result
  */
 interface ReadinessCheck {
-    /** Gate type identifier */
+    /** Check type identifier */
     type?: ReadinessCheckType;
-    /** Whether this gate passed */
+    /** Whether this check passed */
     verified?: boolean;
-    /** Validation errors for this gate, if any */
-    errors?: string[];
+    /**
+     * Validation error messages if the check failed
+     * @nullable
+     */
+    errors?: (string | null)[] | null;
+    /**
+     * Structured failure entries for this check. Present only when the check fails. Prefer this over errors[] for programmatic handling — reason_code is stable and safe to branch on. errors[] is kept for backwards compatibility.
+     * @nullable
+     */
+    error_details?: ReadinessErrorDetail[] | null;
 }
 
 /**
@@ -1938,11 +2699,15 @@ interface ReadinessCheck {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
- * Readiness check breakdown
+ * Readiness check breakdown returned inside a gated error response.
+
+⚠️ Patched locally by `openapi/repairs.ts` — this differs from FDR's published spec.
  */
 interface ErrorDetails {
     /** Per-gate check results */
@@ -1951,6 +2716,8 @@ interface ErrorDetails {
     is_program_refresh_required?: boolean;
     /** Whether the application is currently UW-approved */
     is_uw_approved?: boolean;
+    /** Human-readable summary of the gate failure */
+    message?: string;
 }
 
 /**
@@ -1958,7 +2725,9 @@ interface ErrorDetails {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Address — used for current and mailing address updates
@@ -1981,7 +2750,9 @@ interface PatchAddress {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -2051,7 +2822,51 @@ interface PatchApplicant {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Hardship category
+ */
+type LeadPatchRequestHardshipCategory = typeof LeadPatchRequestHardshipCategory[keyof typeof LeadPatchRequestHardshipCategory];
+declare const LeadPatchRequestHardshipCategory: {
+    readonly Job_Loss: "Job Loss";
+    readonly Reduced_Income: "Reduced Income";
+    readonly Medical: "Medical";
+    readonly Divorce: "Divorce";
+    readonly Unexpected_Expenses: "Unexpected Expenses";
+    readonly Other: "Other";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Goal category
+ */
+type LeadPatchRequestGoalCategory = typeof LeadPatchRequestGoalCategory[keyof typeof LeadPatchRequestGoalCategory];
+declare const LeadPatchRequestGoalCategory: {
+    readonly Avoid_Bankruptcy: "Avoid Bankruptcy";
+    readonly Get_out_of_Debt: "Get out of Debt";
+    readonly 'Build_personal_wealth,_savings': "Build personal wealth, savings";
+    readonly Relieve_pressure_of_monthly_bills: "Relieve pressure of monthly bills";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Condition to verify (lead-level or debt-account-level)
@@ -2070,7 +2885,9 @@ interface PatchCondition {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -2092,7 +2909,9 @@ interface PatchDebtAccount {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Co-applicant fields that can be patched
@@ -2151,7 +2970,9 @@ interface PatchCoApplicant {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -2166,11 +2987,11 @@ interface LeadPatchRequest {
     /** Desired monthly deposit amount */
     monthly_deposit?: number;
     /** Hardship category */
-    hardship_category?: string;
+    hardship_category?: LeadPatchRequestHardshipCategory;
     /** Free-text hardship description when category is 'Other' */
     hardship_category_other?: string;
     /** Goal category */
-    goal_category?: string;
+    goal_category?: LeadPatchRequestGoalCategory;
     /** Free-text goal description when category is 'Other' */
     goal_category_other?: string;
     /** Monthly food expenses */
@@ -2251,7 +3072,9 @@ interface LeadPatchRequest {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -2278,7 +3101,9 @@ type LeadReadiness = {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -2298,7 +3123,9 @@ interface LeadResponse {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Applicant mailing address.
@@ -2319,7 +3146,9 @@ interface MailingAddress {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Marketing tracking metadata
@@ -2338,7 +3167,9 @@ interface Tracking {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -2371,7 +3202,9 @@ interface LeadTransferRequest {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Evaluation outcome: 'accepted' or 'rejected'.
@@ -2387,7 +3220,9 @@ declare const LeadTransferResponseResponse: {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -2430,7 +3265,9 @@ interface LeadTransferResponse {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Request body for async program generation (v1)
@@ -2447,7 +3284,68 @@ interface ProgramRequest {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Applicant reference for a program selection — the id is all this endpoint uses.
+
+⚠️ Patched locally by `openapi/repairs.ts` — this differs from FDR's published spec.
+ */
+interface ProgramSelectionApplicant {
+    /** FDR applicant ID — the applicant's passport across all systems. */
+    fdr_applicant_id: string;
+}
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Selected draft schedule type from payment_schedule_options
+ */
+type ProgramSelectionRequestDraftType = typeof ProgramSelectionRequestDraftType[keyof typeof ProgramSelectionRequestDraftType];
+declare const ProgramSelectionRequestDraftType: {
+    readonly regular: "regular";
+    readonly split: "split";
+    readonly 'bi-weekly': "bi-weekly";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+
+/**
+ * Request body for selecting a payment schedule for an existing lead
+ */
+interface ProgramSelectionRequest {
+    applicant: ProgramSelectionApplicant;
+    /** Selected draft schedule type from payment_schedule_options */
+    draft_type?: ProgramSelectionRequestDraftType;
+    /** The estimated_monthly_payment value from the chosen payment_schedule_options[].schedules[] entry */
+    estimated_monthly_payment?: number;
+}
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Request body for creating a Program Summary Recording task (RWA-2427)
@@ -2472,7 +3370,9 @@ interface ProgramSummaryTaskRequest {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Response body for a successfully created Program Summary Recording task
@@ -2497,37 +3397,24 @@ interface ProgramSummaryTaskResponse {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
- */
-/**
- * Error classification code
- */
-type ReadinessErrorResponseErrorCode = typeof ReadinessErrorResponseErrorCode[keyof typeof ReadinessErrorResponseErrorCode];
-declare const ReadinessErrorResponseErrorCode: {
-    readonly ER40301: "ER40301";
-    readonly ER40305: "ER40305";
-};
 
-/**
- * Generated by orval v7.21.0 🍺
- * Do not edit manually.
- * ARPC — Achieve Resolution Partner Connect API
- * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
- * Error response for readiness gate failures. Includes per-check detail for UW and DRA gates.
+ * Error body returned when a readiness gate blocks UW submission. Observed live as a 400 with error_code ER40301.
+
+⚠️ Patched locally by `openapi/repairs.ts` — this differs from FDR's published spec.
  */
 interface ReadinessErrorResponse {
-    /** UTC timestamp of the error */
-    timestamp?: string;
-    /** HTTP status code */
     status?: number;
     /** Short error message */
     error?: string;
     /** Error classification code */
-    error_code?: ReadinessErrorResponseErrorCode;
+    error_code?: string;
+    /** UTC timestamp of the error */
+    timestamp?: string;
     /** Correlation ID for distributed tracing */
     x_correlation_id?: string;
     error_details?: ErrorDetails;
@@ -2538,7 +3425,9 @@ interface ReadinessErrorResponse {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -2564,18 +3453,18 @@ interface ReadinessResponse {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
+
 /**
- * Response returned after successfully registering an applicant
+ * Request body for registering a new applicant in the v2 DEX surface
  */
-interface RegisterApplicantResponse {
-    /** Registration status */
-    status?: string;
-    /** Business flow / seller identifier derived from the OAuth token used (e.g. SSI, TTTM) */
-    business_flow?: string;
-    /** Salesforce ID of the created achieve__Applicant__c record */
-    salesforce_id?: string;
+interface RegisterApplicantV2Request {
+    /** Email of the seller agent to be set as the Salesforce record owner */
+    seller_agent_email?: string;
+    applicant: Applicant;
 }
 
 /**
@@ -2583,16 +3472,22 @@ interface RegisterApplicantResponse {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
- */
 
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
 /**
- * Request body for registering a new applicant in the v2 DEX surface
+ * Response returned after successfully registering an applicant via POST /v2/applicant/register
  */
-interface RegisterApplicantV2Request {
-    /** Email of the seller agent to be set as the Salesforce record owner */
-    seller_agent_email?: string;
-    applicant?: Applicant;
+interface RegisterApplicantV2Response {
+    /** Registration status */
+    status?: string;
+    /** Business flow / seller identifier derived from the OAuth token used (e.g. SSI, TTTM) */
+    business_flow?: string;
+    /** Salesforce ID of the created achieve__Applicant__c record */
+    salesforce_id?: string;
+    /** FDR applicant ID associated with this registration. If not provided in the request, it is generated server-side and returned here. */
+    fdr_applicant_id?: string;
 }
 
 /**
@@ -2600,7 +3495,9 @@ interface RegisterApplicantV2Request {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -2625,7 +3522,9 @@ interface SpinwheelNetworkUserRequest {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 /**
  * Result of creating or connecting a Spinwheel network user
@@ -2642,7 +3541,51 @@ interface SpinwheelNetworkUserResponse {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Primary hardship category
+ */
+type StatelessReadinessRequestHardshipCategory = typeof StatelessReadinessRequestHardshipCategory[keyof typeof StatelessReadinessRequestHardshipCategory];
+declare const StatelessReadinessRequestHardshipCategory: {
+    readonly Job_Loss: "Job Loss";
+    readonly Reduced_Income: "Reduced Income";
+    readonly Medical: "Medical";
+    readonly Divorce: "Divorce";
+    readonly Unexpected_Expenses: "Unexpected Expenses";
+    readonly Other: "Other";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
+ */
+/**
+ * Primary goal category
+ */
+type StatelessReadinessRequestGoalCategory = typeof StatelessReadinessRequestGoalCategory[keyof typeof StatelessReadinessRequestGoalCategory];
+declare const StatelessReadinessRequestGoalCategory: {
+    readonly Avoid_Bankruptcy: "Avoid Bankruptcy";
+    readonly Get_out_of_Debt: "Get out of Debt";
+    readonly 'Build_personal_wealth,_savings': "Build personal wealth, savings";
+    readonly Relieve_pressure_of_monthly_bills: "Relieve pressure of monthly bills";
+};
+
+/**
+ * Generated by orval v7.21.0 🍺
+ * Do not edit manually.
+ * ARPC — Achieve Resolution Partner Connect API
+ * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -2682,11 +3625,11 @@ interface StatelessReadinessRequest {
     /** Total business debt amount */
     business_debt?: number;
     /** Primary hardship category */
-    hardship_category?: string;
+    hardship_category?: StatelessReadinessRequestHardshipCategory;
     /** Free-text description when hardship category is 'other' */
     hardship_category_other?: string;
     /** Primary goal category */
-    goal_category?: string;
+    goal_category?: StatelessReadinessRequestGoalCategory;
     /** Free-text description when goal category is 'other' */
     goal_category_other?: string;
     /** Justification for food expense amount */
@@ -2779,7 +3722,9 @@ interface StatelessReadinessRequest {
  * Do not edit manually.
  * ARPC — Achieve Resolution Partner Connect API
  * FDR Wholesale API — A Hybrid Integration Model designed to maximise partner velocity without compromising enterprise data standards. DEX (Digital Enrollment Experience) is the partner-facing integration layer that powers the full applicant lifecycle. The `fdr_applicant_id` acts as the applicant's passport across all systems, persisted from first eligibility check through enrollment. All endpoints require a valid Bearer JWT with the `arpc.all` role.
- * OpenAPI spec version: 2026.15.0
+
+**Published:** 2026-08-08
+ * OpenAPI spec version: 2026.16.0
  */
 
 /**
@@ -2801,21 +3746,59 @@ interface UwSubmissionV2Response {
     banking_disclosure_email_message?: string | null;
 }
 
+/**
+ * FDR's API speaks two vocabularies for the same value. You *send* a lowercase
+ * schedule code (`bi-weekly`) to `selectProgram`; the lead *reports* a
+ * capitalised label (`Bi-Weekly`) back on `application.draft_type`. Nothing in
+ * the spec connects them, and the mismatch is silent — comparing what you sent
+ * against what came back always looks like a failure.
+ *
+ * The labels below were confirmed against live STG by selecting each draft type
+ * in turn, not read off the spec: FDR documents `Monthly [Regular]` and
+ * `Twice Monthly [Split]`, and the API returns neither (see the
+ * `lead-draft-type-values` repair in `openapi/repairs.ts`).
+ *
+ * Scope is narrow: `LeadApplication.draft_type` is the only label-valued site
+ * in the whole spec. `PaymentSchedule` and `ProgramSelectionRequest` are both
+ * already lowercase, and `LeadPatchRequest` has no `draft_type` at all, so
+ * `selectProgram` is the only write path.
+ *
+ * These maps are annotated as `Record<>` over the generated enums on purpose:
+ * if FDR ever adds a fourth draft type, codegen widens the enum and these fail
+ * to compile until someone fills in the new key. The mapping keeps itself
+ * honest without any bespoke assertion.
+ */
+/** Schedule code → the label the lead reports back. */
+declare const DRAFT_TYPE_LABEL: Record<ProgramSelectionRequestDraftType, LeadApplicationDraftType>;
+/** Lead-reported label → the schedule code `selectProgram` accepts. */
+declare const DRAFT_TYPE_CODE: Record<LeadApplicationDraftType, ProgramSelectionRequestDraftType>;
+/**
+ * Read a lead's current draft type as a value you can hand straight back to
+ * `selectProgram` — closing the round-trip FDR's two vocabularies leave open.
+ *
+ * Returns `undefined` when the lead has no selection yet, and also when the
+ * label isn't one we know: the server can start returning a new picklist value
+ * before we've regenerated against a newer spec, and guessing would be worse
+ * than admitting we don't recognise it.
+ */
+declare const draftTypeOf: (application: LeadApplication | undefined | null) => ProgramSelectionRequestDraftType | undefined;
+
 /**
  * ARPC SDK — a typed, agnostic client for FDR's ARPC DEX API (Achieve
  * Resolution Partner Connect, Digital Enrollment Experience).
  *
- * Thin by design: it owns the two-host routing, the OAuth token lifecycle, and
- * bearer injection, and exposes the full endpoint surface as typed operations
- * on `sdk.api`. It does not orchestrate the enrollment sequence — the caller
+ * Thin by design: it owns the two-host routing (both derived from
+ * `environment`), the OAuth token lifecycle, and bearer injection, and exposes
+ * the full endpoint surface as typed operations on `sdk.api`. It does not
+ * orchestrate the enrollment sequence — the caller
  * assembles payloads and threads the `fdr_applicant_id` between calls. See
  * `scripts/smoke.ts` for a full end-to-end reference sequence (incl. the program
  * poll loop).
  *
  * Auth is lazy: the first `api` call exchanges credentials for a bearer JWT and
  * caches it (~900s TTL), then re-exchanges shortly before it expires. There's no
- * explicit login step. Supply a `cache` in the config to persist the token
- * across restarts or share it across workers; otherwise it's held in-process.
+ * explicit login step. Supply `auth.cache` to persist the token across restarts
+ * or share it across workers; otherwise it's held in-process.
  *
  * Operations never throw on a non-2xx: each returns `{ status, data, headers }`,
  * so a business gate (e.g. a UW/DRA readiness failure) comes back as a normal
@@ -2828,10 +3811,11 @@ interface UwSubmissionV2Response {
  * @example
  * ```typescript
  * const sdk = new ArpcSDK({
- *   oauthUrl: "https://oauth.stg.ffngcp.com",
- *   gatewayUrl: "https://apis-gateway-v2.stg.fdrgcp.com",
- *   username: "borrowbetter@seller.com",
- *   password: process.env.FDR_OAUTH_PASSWORD!,
+ *   environment: "stg",
+ *   auth: {
+ *     username: "borrowbetter@seller.com",
+ *     password: process.env.ARPC_OAUTH_PASSWORD!,
+ *   },
  * });
  *
  * // The first call authenticates automatically and caches the token.
@@ -2843,6 +3827,7 @@ declare class ArpcSDK {
     /** The full typed endpoint surface — one method per gateway operation. */
     readonly api: {
         createLeadSync: (createLeadRequest: CreateLeadRequest, options?: Partial<RequestConfig> | undefined) => Promise<HttpResponse<CreateLeadResponse>>;
+        selectProgram: (programSelectionRequest: ProgramSelectionRequest, options?: Partial<RequestConfig> | undefined) => Promise<HttpResponse<LeadResponse>>;
         checkApplicationReadiness: (statelessReadinessRequest: StatelessReadinessRequest, options?: Partial<RequestConfig> | undefined) => Promise<HttpResponse<ReadinessResponse>>;
         createSpinwheelNetworkUser: (spinwheelNetworkUserRequest: SpinwheelNetworkUserRequest, options?: Partial<RequestConfig> | undefined) => Promise<HttpResponse<SpinwheelNetworkUserResponse>>;
         updateApplicationBankDetails: (applicantId: string, bankUpdateRequest: BankUpdateRequest, options?: Partial<RequestConfig> | undefined) => Promise<HttpResponse<LeadResponse>>;
@@ -2852,7 +3837,7 @@ declare class ArpcSDK {
         patchLead: (fdrApplicantId: string, leadPatchRequest: LeadPatchRequest, options?: Partial<RequestConfig> | undefined) => Promise<HttpResponse<LeadResponse>>;
         getApplicationReadiness: (applicantId: string, options?: Partial<RequestConfig> | undefined) => Promise<HttpResponse<ReadinessResponse>>;
         generateDra: (applicantId: string, draRequest: DraRequest, options?: Partial<RequestConfig> | undefined) => Promise<HttpResponse<DraResponse>>;
-        registerApplicantV2: (registerApplicantV2Request: RegisterApplicantV2Request, options?: Partial<RequestConfig> | undefined) => Promise<HttpResponse<RegisterApplicantResponse>>;
+        registerApplicantV2: (registerApplicantV2Request: RegisterApplicantV2Request, options?: Partial<RequestConfig> | undefined) => Promise<HttpResponse<RegisterApplicantV2Response>>;
         generateProgramV1: (programRequest: ProgramRequest, options?: Partial<RequestConfig> | undefined) => Promise<HttpResponse<LeadResponse>>;
         checkEligibility: (eligibilityRequest: EligibilityRequest, options?: Partial<RequestConfig> | undefined) => Promise<HttpResponse<EligibilityResponse>>;
         uwSubmissionV2: (fdrApplicantId: string, options?: Partial<RequestConfig> | undefined) => Promise<HttpResponse<UwSubmissionV2Response>>;
@@ -2861,4 +3846,4 @@ declare class ArpcSDK {
     constructor(config: ArpcConfig);
 }
 
-export { type ARPCErrorResponse, type Address, type Applicant, type ApplicationSendEmailResponse, type ArpcConfig, ArpcSDK, type AuditInfo, type BankDetails, type BankDetailsInput, type BankUpdateRequest, type Check, CheckType, type CoApplicant, type Consents, type CreateLeadRequest, type CreateLeadResponse, type CreditPullConsent, type DebtAccount, type DraApplicant, type DraApplicantInput, DraApplicantInputSigningType, type DraRequest, type DraResponse, type EligibilityAddress, type EligibilityApplicant, type EligibilityApplication, type EligibilityDebtAccount, type EligibilityRequest, type EligibilityResponse, type ErrorDetails, type FieldValidationError, FieldValidationErrorReasonCode, type HttpResponse, type IneligibleReason, type LeadApplicant, LeadApplicantEmploymentStatus, type LeadApplicantInput, LeadApplicantPayFrequency, type LeadApplication, LeadApplicationCreditPullSource, LeadApplicationFdrOrCss, LeadApplicationFixedIncome, LeadApplicationOwnOrRent, type LeadCondition, LeadConditionActive, type LeadCreditor, type LeadDebtAccount, LeadDebtAccountOwnership, LeadDebtAccountResponsibility, type LeadDistribution, type LeadPatchRequest, type LeadReadiness, type LeadResponse, type LeadTransferRequest, type LeadTransferResponse, LeadTransferResponseResponse, type MailingAddress, type PatchAddress, type PatchApplicant, type PatchCoApplicant, type PatchCondition, type PatchDebtAccount, type PaymentOption, type ProgramRequest, type ProgramSummaryTaskRequest, type ProgramSummaryTaskResponse, type ReadinessCheck, ReadinessCheckType, type ReadinessErrorResponse, ReadinessErrorResponseErrorCode, type ReadinessResponse, type RegisterApplicantResponse, type RegisterApplicantV2Address, type RegisterApplicantV2Request, type SpinwheelNetworkUserRequest, type SpinwheelNetworkUserResponse, type StatelessReadinessRequest, type TokenCache, type Tracking, type UwSubmissionV2Response };
+export { type ARPCErrorResponse, ARPC_ENDPOINTS, type Address, type Applicant, type ApplicationSendEmailResponse, type ArpcAuth, type ArpcConfig, type ArpcEndpoint, type ArpcEnvironment, ArpcSDK, type ArpcUrls, type AuditInfo, type BankDetails, BankDetailsAccountSubtype, BankDetailsAccountType, type BankDetailsInput, type BankUpdateRequest, type Check, CheckType, type CoApplicant, type Consents, type CreateLeadRequest, CreateLeadRequestGoalCategory, CreateLeadRequestHardshipCategory, type CreateLeadResponse, type CreditPullConsent, DRAFT_TYPE_CODE, DRAFT_TYPE_LABEL, type DebtAccount, type DraApplicant, type DraApplicantInput, DraApplicantInputSigningType, type DraRequest, type DraResponse, type EligibilityAddress, type EligibilityApplicant, type EligibilityApplication, type EligibilityDebtAccount, type EligibilityRequest, type EligibilityResponse, type ErrorDetails, type FieldValidationError, FieldValidationErrorReasonCode, type HttpResponse, type IneligibleReason, IneligibleReasonReasonId, type LeadApplicant, LeadApplicantBankruptcy, LeadApplicantEmploymentStatus, type LeadApplicantInput, LeadApplicantPayFrequency, type LeadApplication, LeadApplicationCreditPullSource, LeadApplicationDraftType, LeadApplicationFdrOrCss, LeadApplicationFixedIncome, LeadApplicationGoalCategory, LeadApplicationHardshipCategory, LeadApplicationLanguage, LeadApplicationOwnOrRent, LeadApplicationSecondaryGoal, LeadApplicationStatus, LeadApplicationSubStatus, type LeadCondition, LeadConditionActive, LeadConditionType, type LeadCreditor, type LeadDebtAccount, LeadDebtAccountAccountType, LeadDebtAccountOwnership, LeadDebtAccountResponsibility, LeadDebtAccountSource, type LeadDistribution, type LeadPatchRequest, LeadPatchRequestGoalCategory, LeadPatchRequestHardshipCategory, type LeadReadiness, type LeadResponse, type LeadTransferRequest, type LeadTransferResponse, LeadTransferResponseResponse, type MailingAddress, type PatchAddress, type PatchApplicant, type PatchCoApplicant, type PatchCondition, type PatchDebtAccount, type PaymentOption, PaymentOptionEvaluationType, type PaymentSchedule, PaymentScheduleDraftType, type PaymentScheduleOption, PaymentScheduleOptionEvaluationType, type ProgramRequest, type ProgramSelectionApplicant, type ProgramSelectionRequest, ProgramSelectionRequestDraftType, type ProgramSummaryTaskRequest, type ProgramSummaryTaskResponse, type ReadinessCheck, ReadinessCheckType, type ReadinessErrorDetail, ReadinessErrorDetailReasonCode, type ReadinessErrorResponse, type ReadinessResponse, type RegisterApplicantV2Address, type RegisterApplicantV2Request, type RegisterApplicantV2Response, type SpinwheelNetworkUserRequest, type SpinwheelNetworkUserResponse, type StatelessReadinessRequest, StatelessReadinessRequestGoalCategory, StatelessReadinessRequestHardshipCategory, type TokenCache, type Tracking, type UwSubmissionV2Response, draftTypeOf, isArpcEnvironment };