> ## Documentation Index > Fetch the complete documentation index at: https://docs.lerian.studio/llms.txt > Use this file to discover all available pages before exploring further. # Obter divulgação de CET da conta de empréstimo > Retorna o artefato de divulgação de CET imutável mais recente congelado para a conta de empréstimo ativa. ## OpenAPI ````yaml pt/openapi/v3-current/lender.yaml get /api/v1/br/loan-accounts/{id}/cet-disclosure openapi: 3.1.0 info: contact: email: contact@lerian.studio name: Lerian Studio url: https://lerian.studio description: Superfície OpenAPI 3.1 code-first do serviço Lender. license: name: Lerian Studio General License title: Lender API version: 1.0.0 servers: - url: https://lender.sandbox.lerian.net security: - BearerAuth: [] tags: - description: >- Operações de contabilidade do ledger: entradas de journal e lançamentos de accrual para contas de empréstimo. name: Accounting - description: >- Recepção e ciclo de vida da solicitação de empréstimo: submissão, decisão e status. name: LoanApplications - description: >- Catálogo de produtos de empréstimo: definição, versionamento e ativação de produtos de crédito. name: LoanProducts - description: >- Operações de servicing de contas de empréstimo: saldos, cronogramas e ações em nível de conta. name: Loan Accounts - description: >- Operações de leitura de servicing: cronogramas de pagamento e estado de servicing para contas de empréstimo. name: Servicings - description: >- Operações de leitura do painel de carteira: visões agregadas de carteira e de desempenho. name: Dashboard - description: >- Registro de jurisdições: perfis de jurisdição suportados e suas capacidades. name: Jurisdictions - description: >- Operações de solicitação de empréstimo específicas por jurisdição (superfície de originação do Brasil). name: Loan Applications - description: >- Operações de cálculo de impostos para crédito específico por jurisdição (por exemplo, IOF do Brasil). name: Tax - description: >- Operações de consignado privado do Brasil: originação de contrato (contratação ativa) e ciclo de vida. name: Consignado paths: /api/v1/br/loan-accounts/{id}/cet-disclosure: get: tags: - Loan Accounts summary: Obter divulgação de CET da conta de empréstimo description: >- Retorna o artefato de divulgação de CET imutável mais recente congelado para a conta de empréstimo ativa. operationId: getLoanAccountCETDisclosure parameters: - description: Loan account identifier. in: path name: id required: true schema: description: Loan account identifier. format: uuid type: string responses: '200': content: application/json: schema: $ref: '#/components/schemas/CETDisclosureResponse' description: OK default: content: application/problem+json: schema: $ref: '#/components/schemas/Detail' description: Error components: schemas: CETDisclosureResponse: additionalProperties: false properties: cetAnnualPct: description: >- Custo Efetivo Total, annualized, as a percentage decimal string with scale 8 (e.g. "12.34567890"). examples: - '12.34567890' type: string cetMonthlyPct: description: >- Custo Efetivo Total, monthly, as a percentage decimal string with scale 8 (e.g. "1.23456789"). examples: - '1.23456789' type: string createdAt: description: RFC3339 UTC timestamp at which the disclosure record was created. examples: - '2026-06-14T12:00:00Z' type: string frozenAt: description: >- RFC3339 UTC timestamp at which the disclosure was frozen and made immutable. examples: - '2026-06-14T12:00:00Z' type: string id: description: Unique identifier (UUID) of the frozen CET disclosure record. examples: - 550e8400-e29b-41d4-a716-446655440000 type: string jurisdictionCode: description: ISO jurisdiction code governing the disclosure (e.g. "BR"). examples: - BR type: string loanAccountId: description: UUID of the loan account the disclosure is bound to. examples: - 550e8400-e29b-41d4-a716-446655440002 type: string loanApplicationId: description: UUID of the loan application this CET disclosure was computed for. examples: - 550e8400-e29b-41d4-a716-446655440001 type: string memoryOfCalculation: description: >- Memoria de calculo: structured breakdown of the cash flows and steps producing the CET. profileVersion: description: >- Jurisdiction profile version used to compute the CET, captured for auditability. examples: - 1.0.0 type: string rateTableSnapshot: description: >- Frozen snapshot of the rate/fee table inputs used in the CET calculation. required: - id - loanApplicationId - loanAccountId - jurisdictionCode - profileVersion - cetAnnualPct - cetMonthlyPct - rateTableSnapshot - memoryOfCalculation - frozenAt - createdAt type: object Detail: additionalProperties: false properties: code: description: >- Stable, machine-readable domain error code scoped to the emitting service (format: -NNNN). examples: - ERR-0001 type: string detail: description: >- A human-readable explanation specific to this occurrence of the problem. examples: - Property foo is required but is missing. type: string errors: description: Optional list of individual error details items: $ref: '#/components/schemas/ErrorDetail' type: - array - 'null' instance: description: >- A URI reference that identifies the specific occurrence of the problem. examples: - https://example.com/error-log/abc123 format: uri type: string status: description: HTTP status code examples: - 400 format: int64 type: integer title: description: >- A short, human-readable summary of the problem type. This value should not change between occurrences of the error. examples: - Bad Request type: string type: default: about:blank description: A URI reference to human-readable documentation for the error. examples: - https://example.com/errors/example format: uri type: string type: object ErrorDetail: additionalProperties: false properties: location: description: >- Where the error occurred, e.g. 'body.items[3].tags' or 'path.thing-id' type: string message: description: Error message text type: string value: description: The value at the given location type: object securitySchemes: BearerAuth: bearerFormat: JWT description: JWT bearer token issued by the identity provider. scheme: bearer type: http ````