# Collecting User Information for 2LM

## API Endpoint

2nd Look offer uses the same endpoint as in 1st Look: 

`POST` to `https://api.engine.tech/leads/rateTables`

There are two routes to getting 2nd Look Marketplace offers from the Engine API. 

## Route 1: Waterfall Down from 1st Look Ineligible Leads

When posting leads with the `productTypes` array set to `["loan", "other"]`, Engine will:

* First query its 1st Look Partners for personal loan offers.
* If no 1st Look offers are returned, it will query 2nd Look Partners for applicable 2L offers (`specialOffers`).

Please see the [1st Look (Loans) API Specifications section](https://engine.tech/developer-center/loans-savings-second-look-marketplace/api/products/loans/personal/api-specifications#producttypes-array-loan-and-other) for more information.

## Route 2: 2LM Direct Post

To post leads directly to Engine’s 2nd Look Marketplace (2LM), the `productTypes` array should consist only of `other`, i.e. `productTypes: ["other"]`.

* This sends the lead straight to 2nd Look partners *only*.
* 2LM is ideal when you know the lead is better suited for 2nd Look products like Earned Wage Access (EWA), Debt Relief, or Credit Builder.
* It also helps reduce API response time.

**Required Fields for 2LM Direct Post**

You must include the following for a valid direct post to 2LM:

* either of `providedCreditRating` or `providedNumericCreditScore`
* either of `annualIncome` or `monthlyNetIncome`
* `firstName`
* `lastName`
* `ssn`
* `email`
* `primaryPhone`
* `address1`
* `city`
* `state`
* `zipcode`
* `dateOfBirth`
* `loanAmount`
* `purpose`
* `ipAddress`
* `userAgent`
* `employmentStatus`
* `consentsToFcra` (must be `true` )
* `fcraLanguage`
* `consentsToTcpa` 
* `tcpaLanguage` (must be present if `consentsToTcpa` is set to `true`)

{% hint style="info" %}
\*Although the FCC has [postponed](https://www.fcc.gov/document/fcc-postpones-effective-date-one-one-consent-rule) the effective date of the TCPA One-to-One Consent Rule—meaning the `consentsToTcpa` field is no longer strictly required (i.e. does not need to be `true`—Engine still strongly encourages our channel partners to obtain user consent to maintain the highest standards of compliance and performance.
{% endhint %}

Look at the [api-specifications](https://even-financial.gitbook.io/developer-center/native-api-integrations/2nd-look-marketplace/channel-partners/api-specifications "mention") for specific info on type validations, enums, and a sample request body.

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