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AutomotiveMCP
SchemasDeals & Desking · R03RFC / v0.1

Deal

v0.1.0

A full dealership desking record spanning quote through funding and delivery. Models cash, finance, and lease deals with complete pricing (MSRP, discounts, rebates, fees, trade-ins, taxes), lender/lease terms, F&I products, capitalized-cost detail, credit application linkage, compliance flags, and gross. Field lineage follows STAR (Standards for Technology in Automotive Retail) DealXML and RetailDeal payloads, the ADF (Auto-lead Data Format) lead structures, the federal Truth in Lending Act (Reg Z) and Consumer Leasing Act (Reg M) disclosure boxes, and 700Credit/RouteOne/Dealertrack credit-bureau conventions where relevant. Cross-entity relationships (customer, vehicle, salesperson, appraisal) are referenced by UUID rather than embedded.

Resourcesdeals.get_dealdeals.create_quotedeals.desk_deal

deal.example.jsonJSON
{
  "id": "9f2b7c1e-4d6a-4b3f-9e21-7a8c1d0e5f34",
  "source_ids": [
    {
      "system": "reynolds_era",
      "id": "DEAL-2026-004821",
      "sequence": 1
    },
    {
      "system": "vinsolutions_crm",
      "id": "OPP-88213716",
      "sequence": 2
    },
    {
      "system": "adf_lead",
      "id": "LEAD-2026-0091133",
      "sequence": 3
    }
  ],
  "deal_number": "48213",
  "type": "finance",
  "status": "signed",
  "sub_status": "stips_outstanding",
  "dealership_id": "0a1b2c3d-4e5f-4a6b-8c7d-9e0f1a2b3c4d",
  "customer_id": "1c9d2f80-3a11-4c77-8e02-6b4a9f1d2e3c",
  "co_buyer_id": "2d8e3a91-4b22-4d88-9f13-7c5b0a2e3f4d",
  "vehicle_id": "3e7f4b02-5c33-4e99-a024-8d6c1b3f4a5e",
  "vin": "1FTFW1E86PFA12345",
  "odometer": 12,
  "odometer_unit": "mi",
  "vehicle_condition": "new",
  "salesperson_id": "4a6b5c13-6d44-4f10-b135-9e7d2c4a5b6f",
  "second_salesperson_id": "8f0a1b2c-3d4e-4f50-a617-2b8c9d0e1f23",
  "sales_manager_id": "9a1b2c3d-4e5f-4061-b728-3c9d0e1f2a34",
  "fi_manager_id": "5b7c6d24-7e55-4a21-8246-af8e3d5b6c70",
  "bdc_agent_id": "6c8d7e35-8f66-4b32-9357-b09f4e6c7d80",
  "lead_source": "internet",
  "currency": "USD",
  "pricing": {
    "msrp": {
      "amount": 48995,
      "currency": "USD"
    },
    "invoice": {
      "amount": 46100,
      "currency": "USD"
    },
    "vehicle_cost": {
      "amount": 46400,
      "currency": "USD"
    },
    "book_value": {
      "amount": 47500,
      "currency": "USD"
    },
    "selling_price": {
      "amount": 46250,
      "currency": "USD"
    },
    "cash_down": {
      "amount": 3000,
      "currency": "USD"
    },
    "adds": [
      {
        "name": "Window Tint",
        "price": {
          "amount": 395,
          "currency": "USD"
        },
        "cost": {
          "amount": 120,
          "currency": "USD"
        },
        "taxable": true
      },
      {
        "name": "Nitrogen Fill",
        "price": {
          "amount": 199,
          "currency": "USD"
        },
        "taxable": true
      }
    ],
    "discounts": [
      {
        "name": "Dealer Discount",
        "amount": {
          "amount": 2000,
          "currency": "USD"
        }
      },
      {
        "name": "Loyalty Appreciation",
        "amount": {
          "amount": 745,
          "currency": "USD"
        }
      }
    ],
    "rebates": [
      {
        "name": "Retail Customer Cash",
        "amount": {
          "amount": 1500,
          "currency": "USD"
        },
        "program_id": "INC-26MAY-RCC",
        "assigned_to_dealer": true
      },
      {
        "name": "Finance Bonus Cash",
        "amount": {
          "amount": 500,
          "currency": "USD"
        },
        "program_id": "INC-26MAY-FBC",
        "assigned_to_dealer": true
      }
    ],
    "doc_fee": {
      "amount": 699,
      "currency": "USD"
    },
    "fees": [
      {
        "name": "Title Fee",
        "amount": {
          "amount": 85,
          "currency": "USD"
        },
        "taxable": false,
        "financed": true,
        "category": "title"
      },
      {
        "name": "Registration Fee",
        "amount": {
          "amount": 162.5,
          "currency": "USD"
        },
        "taxable": false,
        "financed": true,
        "category": "registration"
      },
      {
        "name": "Electronic Filing Fee",
        "amount": {
          "amount": 35,
          "currency": "USD"
        },
        "taxable": true,
        "financed": true,
        "category": "electronic_filing"
      },
      {
        "name": "State Inspection",
        "amount": {
          "amount": 25.5,
          "currency": "USD"
        },
        "taxable": false,
        "financed": false,
        "category": "inspection"
      }
    ],
    "trade_ins": [
      {
        "vehicle_id": "7d9e8f46-9a77-4c43-a468-c1af5f7d8e91",
        "vin": "1HGCM82633A004352",
        "year": 2018,
        "make": "Honda",
        "model": "Accord",
        "odometer": 64210,
        "appraisal_id": "8e0f9a57-ab88-4d54-b579-d2b06a8e9f02",
        "allowance": {
          "amount": 14500,
          "currency": "USD"
        },
        "acv": {
          "amount": 13200,
          "currency": "USD"
        },
        "payoff": {
          "amount": {
            "amount": 9875.44,
            "currency": "USD"
          },
          "lender": "Ally Financial",
          "account_number_last4": "8842",
          "good_through": "2026-07-15",
          "per_diem": {
            "amount": 2.14,
            "currency": "USD"
          }
        }
      }
    ],
    "trade_allowance_total": {
      "amount": 14500,
      "currency": "USD"
    },
    "trade_payoff_total": {
      "amount": 9875.44,
      "currency": "USD"
    },
    "net_trade": {
      "amount": 4624.56,
      "currency": "USD"
    },
    "taxes": [
      {
        "name": "State Sales Tax",
        "jurisdiction": "TX",
        "rate": 6.25,
        "amount": {
          "amount": 2039.06,
          "currency": "USD"
        },
        "kind": "sales"
      },
      {
        "name": "Local Use Tax",
        "jurisdiction": "Dallas County",
        "rate": 2,
        "amount": {
          "amount": 652.5,
          "currency": "USD"
        },
        "kind": "use"
      }
    ],
    "tax_total": {
      "amount": 2691.56,
      "currency": "USD"
    },
    "fees_total": {
      "amount": 1007,
      "currency": "USD"
    },
    "total_price": {
      "amount": 48310.06,
      "currency": "USD"
    },
    "balance_due": {
      "amount": 31934.62,
      "currency": "USD"
    }
  },
  "finance": {
    "lender_id": "af8e3d5b-6c70-4b7c-9d24-7e554a218246",
    "lender_name": "Chase Auto Finance",
    "apr": 6.49,
    "interest_rate": 6.49,
    "buy_rate": 5.99,
    "sell_rate": 6.49,
    "rate_type": "fixed",
    "term_months": 72,
    "down_payment": {
      "amount": 3000,
      "currency": "USD"
    },
    "amount_financed": {
      "amount": 31934.62,
      "currency": "USD"
    },
    "finance_charge": {
      "amount": 6670.34,
      "currency": "USD"
    },
    "total_of_payments": {
      "amount": 38604.96,
      "currency": "USD"
    },
    "total_sale_price": {
      "amount": 41604.96,
      "currency": "USD"
    },
    "monthly_payment": {
      "amount": 536.18,
      "currency": "USD"
    },
    "first_payment_date": "2026-08-01",
    "number_of_payments": 72,
    "days_to_first_payment": 34,
    "dealer_reserve": {
      "amount": 612.5,
      "currency": "USD"
    }
  },
  "credit_application": {
    "application_id": "b1c2d3e4-f506-4718-a92a-3b4c5d6e7f80",
    "status": "conditioned",
    "bureau": "equifax",
    "credit_score": 742,
    "credit_tier": "Tier 1",
    "ssn_last4": "6789",
    "monthly_income": {
      "amount": 8200,
      "currency": "USD"
    },
    "debt_to_income": 32.4,
    "loan_to_value": 96.8,
    "approved_amount": {
      "amount": 33000,
      "currency": "USD"
    },
    "decisioned_at": "2026-06-27T14:11:05Z",
    "stipulations": [
      "proof_of_income",
      "proof_of_residence"
    ]
  },
  "fni_products": [
    {
      "type": "vsc",
      "name": "Platinum Vehicle Service Contract",
      "provider": "Zurich",
      "contract_number": "ZUR-VSC-7781234",
      "term_months": 72,
      "term_miles": 75000,
      "deductible": {
        "amount": 100,
        "currency": "USD"
      },
      "cost": {
        "amount": 1450,
        "currency": "USD"
      },
      "price": {
        "amount": 2695,
        "currency": "USD"
      },
      "financed": true,
      "cancelled": false
    },
    {
      "type": "gap",
      "name": "GAP Waiver",
      "provider": "JM&A Group",
      "contract_number": "JMA-GAP-4451920",
      "term_months": 72,
      "cost": {
        "amount": 425,
        "currency": "USD"
      },
      "price": {
        "amount": 895,
        "currency": "USD"
      },
      "financed": true,
      "cancelled": false
    },
    {
      "type": "tire_wheel",
      "name": "Tire & Wheel Protection",
      "provider": "Fidelity Warranty Services",
      "term_months": 60,
      "cost": {
        "amount": 310,
        "currency": "USD"
      },
      "price": {
        "amount": 699,
        "currency": "USD"
      },
      "financed": true,
      "cancelled": false
    }
  ],
  "insurance": {
    "carrier": "State Farm",
    "policy_number": "TX-9981223-A",
    "agent_name": "Maria Delgado",
    "agent_phone": {
      "number": "+12145550188"
    },
    "effective_date": "2026-06-28",
    "expiration_date": "2026-12-28",
    "comprehensive_deductible": {
      "amount": 500,
      "currency": "USD"
    },
    "collision_deductible": {
      "amount": 500,
      "currency": "USD"
    },
    "verified": true
  },
  "gross": {
    "front_end": {
      "amount": 1850,
      "currency": "USD"
    },
    "back_end": {
      "amount": 3109,
      "currency": "USD"
    },
    "holdback": {
      "amount": 979,
      "currency": "USD"
    },
    "pack": {
      "amount": 500,
      "currency": "USD"
    },
    "total": {
      "amount": 4959,
      "currency": "USD"
    }
  },
  "compliance": {
    "ofac_checked": true,
    "ofac_hit": false,
    "identity_verified": true,
    "privacy_notice_provided": true,
    "adverse_action_sent": false,
    "risk_based_pricing_notice_sent": true,
    "form_8300_required": false,
    "esign_consent": true
  },
  "dates": {
    "quoted_at": "2026-06-24T15:42:10Z",
    "contract_date": "2026-06-28",
    "sold_at": "2026-06-28T19:05:33Z",
    "approved_at": "2026-06-27T14:11:05Z",
    "delivered_at": "2026-06-29T17:20:00Z"
  },
  "created_at": "2026-06-24T15:42:10Z",
  "updated_at": "2026-06-29T17:22:48Z",
  "created_by": "4a6b5c13-6d44-4f10-b135-9e7d2c4a5b6f",
  "updated_by": "5b7c6d24-7e55-4a21-8246-af8e3d5b6c70",
  "extensions": {
    "store_id": "TX-DAL-014",
    "menu_presentation_version": "menu-v3",
    "desking_scenario_id": "SCN-3"
  }
}
Object shapes align with the AutomotiveAPI open data standard where sensible, and with the industry's ADF lead format — so a conformant server maps cleanly onto systems dealers already run.