Built for Platforms That Need Metro 2® Without the Complexity
The MORFi API is designed for software vendors and platforms that want to offer credit bureau reporting to their clients without becoming Metro 2® experts themselves.
Fintech Lenders & BNPL Platforms
Embed Metro 2® bureau reporting directly into your loan origination system. Automate monthly submissions without manual file generation.
Dealer Management Software (DMS)
Add credit bureau reporting as a native feature of your DMS platform. White-label the MORFi API under your brand for BHPH and franchise dealers.
Property Management Platforms
Enable rent reporting for your landlord clients. Report on-time rent payments to all four bureaus through a single API call.
Credit Union Core Systems
Replace manual Metro 2® file generation with automated API-driven reporting. Reduce compliance risk and staff time.
Loan Servicing Platforms
Integrate bureau reporting into your servicing workflow. Automatically report payment updates, delinquencies, and account closures.
SaaS Platforms Adding Credit Reporting
Add Metro 2® compliance as a feature of your existing SaaS product. The MORFi API handles all bureau relationships, format compliance, and submission logistics.
Clean REST Architecture.
Standard JSON. Any Stack.
The MORFi API follows REST conventions with OAuth 2.0 authentication, JSON request/response bodies, and webhook callbacks for async operations. Integrates with any backend in hours, not weeks.
/api/v1/accounts/uploadUpload a Metro 2® formatted file for validation and processing
/api/v1/data/processSubmit JSON account data for Metro 2® conversion and bureau delivery
/api/v1/validation/status/{jobId}Check the validation status and error report for a submitted file
/api/v1/submission/status/{submissionId}Track bureau submission status across all four bureaus in real time
/api/v1/accounts/{accountId}Update a single consumer account record and trigger re-validation
/api/v1/accounts/{accountId}Remove an account from the reporting queue with proper Metro 2® closure codes
Note: The endpoint paths listed above are illustrative examples. Actual production API endpoints, authentication methods, and request schemas are provided in the full technical specification, available to qualified integration partners upon agreement. Request API access to receive complete documentation.
Everything You Need. Nothing You Don't.
The MORFi API bundles 38 years of Metro 2® expertise into a single integration. Your team ships the feature. We handle the compliance.
Real-Time Metro 2® Validation
Every API call runs full Metro 2® field-level validation before submission. Invalid records are flagged with specific error codes and remediation guidance — not rejected silently.
All 4 Bureau Delivery
Single API call delivers to Equifax, Experian, TransUnion, and Innovis simultaneously. No separate integrations, no separate bureau agreements to manage.
SOC 2 Type II Certified
The MORFi platform is SOC 2 Type II certified. Consumer PII is encrypted in transit and at rest. Your integration inherits our compliance posture.
FCRA Compliance Built In
The API enforces FCRA-required data accuracy rules at the field level. Invalid ECOA codes, future dates, and underage consumers are caught before they reach the bureau.
Automated Monthly Processing
Schedule recurring monthly submissions via the API. The MORFi engine handles cycle management, file generation, and bureau delivery on your schedule.
Submission Audit Trail
Every submission is logged with timestamp, bureau response, and validation results. Full audit trail available via API for FCRA compliance documentation.
JSON & CSV Input Support
Submit account data as JSON objects or CSV files. The API handles Metro 2® format conversion — no Metro 2® expertise required on your end.
REST Architecture
Standard REST API with JSON responses, OAuth 2.0 authentication, and webhook support for async submission confirmations. Integrates with any tech stack.
MORFi API vs. Building It Yourself
Building Metro 2® compliance in-house takes 6–18 months and requires deep bureau relationship management. The MORFi API gets you live in days.
| Capability | MORFi API | Build In-House | Other Vendors |
|---|---|---|---|
| Metro 2® Format Compliance | ✓ | ✗ | Partial |
| All 4 Bureau Delivery | ✓ | ✗ | ✗ |
| SOC 2 Type II Certified | ✓ | ✗ | ✗ |
| Real-Time Field Validation | ✓ | ✗ | Partial |
| FCRA Compliance Enforcement | ✓ | ✗ | ✗ |
| Bureau Relationship Management | ✓ | ✗ | ✗ |
| 38+ Years Metro 2® Expertise | ✓ | ✗ | ✗ |
| Audit Trail & Compliance Logs | ✓ | ✗ | Partial |
| JSON & CSV Input | ✓ | Custom | Partial |
| Dedicated Integration Support | ✓ | ✗ | ✗ |
From API Key to Bureau Submission in Days
Ready to Add Metro 2® Reporting to Your Platform?
The MORFi API is available to qualified SaaS vendors, fintech platforms, and enterprise integrators. Contact our API team to discuss your integration requirements and receive sandbox access.
Most integrations go live within 7 days of receiving API credentials.
Monday – Friday, 9:00 AM – 5:00 PM EST · support@hutchinssystems.net
API Integration FAQs
Q: What data format does the MORFi API accept?
The MORFi API accepts JSON objects and CSV files. You do not need to generate Metro 2® format files — the API handles the conversion from your data model to the Metro 2® fixed-length format required by the bureaus.
Q: Do we need to establish our own bureau relationships?
Yes — the business that is reporting consumer accounts to the credit bureaus must establish their own data furnisher relationship directly with each bureau. This applies whether you are reporting your own accounts or enabling your end clients to report theirs. Each reporting entity needs their own bureau credentials, program identifier, and approval. Hutchins Systems guides you or your clients through the entire credentialing process and handles the technical delivery of Metro 2® files once the relationship is established.
Q: How does the API handle validation errors?
Every submission is validated against Metro 2® field-level rules before being sent to the bureaus. Invalid records are returned with specific error codes and remediation guidance. You can choose to reject the batch, fix errors, or submit valid records while holding invalid ones.
Q: Is there a sandbox environment for testing?
Yes. All API integrations begin with sandbox access. The sandbox environment validates your data against Metro 2® rules and simulates bureau responses without submitting to live bureaus. This allows you to fully test your integration before going live.
Q: What volume of accounts can the API handle?
The MORFi API is designed for high-volume operations — from 100 accounts to over 1,000,000 accounts per submission. Batch processing is handled asynchronously with webhook callbacks for completion notifications.
Q: What authentication method does the API use?
The MORFi API uses OAuth 2.0 with API key authentication. Each integration receives a unique API key. Keys can be rotated, scoped to specific operations, and monitored for usage through the API management portal.