{
  "name": "paydayloan-help",
  "title": "PaydayLoan.Help: state payday loan rules",
  "description": "Free, read-only MCP server for payday loan law in the 50 states and DC: whether payday loans are allowed, loan limits, fee and rate caps, rollovers, cooling-off periods, required extended payment plans, collection limits, the regulator with license-lookup and complaint links, and the statute, each with its sources, research date and confidence. Also the paydayloan.help cost calculator: APR, fees across renewals, and a comparison with a credit union payday alternative loan. General information, not legal advice. No authentication.",
  "registryDescription": "Payday loan laws for all 50 states and DC with sources, plus APR and renewal cost math.",
  "version": "1.0.0",
  "url": "https://paydayloan.help/mcp",
  "transport": {
    "type": "streamable-http",
    "url": "https://paydayloan.help/mcp"
  },
  "remotes": [
    {
      "type": "streamable-http",
      "url": "https://paydayloan.help/mcp"
    }
  ],
  "authentication": {
    "type": "none",
    "required": false
  },
  "protocolVersions": [
    "2026-07-28",
    "2025-11-25",
    "2025-06-18",
    "2025-03-26",
    "2024-11-05"
  ],
  "capabilities": {
    "tools": {
      "listChanged": false
    }
  },
  "tools": [
    {
      "name": "get_state_payday_rules",
      "title": "Payday loan rules for a state",
      "description": "One state's (or DC's) payday loan law as published on paydayloan.help: whether payday loans are allowed, maximum loan, term, fee or rate cap, rollovers, cooling-off, concurrent loans, extended payment plan, database, collection limits, other borrower rights, the regulator with license-lookup and complaint links, the statute citation, research date and confidence level, with every source URL.",
      "readOnly": true
    },
    {
      "name": "list_states_by_payday_rule",
      "title": "States by payday loan status or payment-plan rule",
      "description": "Lists states (50 plus DC) by their payday loan rules as published on paydayloan.help: filter by status (allowed with limits, installment-only, or typical payday loans not allowed), by whether state law requires an extended payment plan, or by a list of state codes to compare. Each row gives the status, a one-paragraph summary, the payment-plan flag, research confidence and the state page link.",
      "readOnly": true
    },
    {
      "name": "payday_loan_cost",
      "title": "Payday loan APR and renewal cost",
      "description": "The paydayloan.help cost calculator: from the amount borrowed, the fee per $100 and the days until due, returns the APR, the fee per period, total fees after a number of fee-only renewals, the principal still owed, and the same amount as a federal credit union payday alternative loan (PAL) at the 28% maximum rate: monthly payment and total interest.",
      "readOnly": true
    }
  ],
  "documentation": "https://paydayloan.help/developers/",
  "websiteUrl": "https://paydayloan.help/developers/",
  "publisher": {
    "name": "PaydayLoan.Help (PaydayLoan.Help)",
    "url": "https://paydayloan.help/",
    "contact": "hello@paydayloan.help"
  },
  "privacyPolicy": "https://paydayloan.help/privacy/",
  "termsOfService": "https://paydayloan.help/terms/",
  "license": "Statutes and regulator pages are public; credit \"PaydayLoan.Help (paydayloan.help)\" with a link to the state page",
  "icon": "https://paydayloan.help/icon-512.png"
}