> ## Documentation Index
> Fetch the complete documentation index at: https://docs.zbdpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Record Disclosures

> Record that a user accepted the latest version of one or more disclosures.

<Note>
  Most programs don't need this endpoint. The widget asks the user to accept the Electronic Funds Transfer agreement when they add a US bank account. This endpoint is for specific cases, such as a program that runs its own front end instead of the widget. If that's you, talk to your ZBD contact during onboarding.
</Note>

Records the user's acceptance of the latest version of each disclosure type you send. For a US bank (ACH) payout, send type `6`, the Electronic Funds Transfer disclosure.

## Configuration

### Header Parameters

<ParamField required header="x-api-key" type="string">
  Your ZBD API key.
</ParamField>

<ParamField initialValue="application/json" header="Content-Type" type="string">
  Content Type
</ParamField>

### Path Parameters

<ParamField required path="userId" type="string">
  The ZBD user ID returned by Create a User.
</ParamField>

### Body Parameters

<ParamField required body="accepted_disclosure_type_ids" type="integer[]">
  The disclosure types the user accepted, for example `[6]`.
</ParamField>

<RequestExample>
  ```bash cURL theme={null}
  curl -X POST https://api.zbdpay.com/api/v1/users/{userId}/disclosures \
    -H "x-api-key: YOUR_API_KEY" \
    -H "Content-Type: application/json" \
    -d '{ "accepted_disclosure_type_ids": [6] }'
  ```
</RequestExample>

<ResponseExample>
  ```json 201 theme={null}
  {
    "success": true,
    "message": "Disclosures recorded.",
    "data": { "accepted_disclosure_type_ids": [6] },
    "error": null
  }
  ```
</ResponseExample>

## Errors

| HTTP | `code` | When |
| - | - | - |
| `400` | `validation_failed` | The list is empty or has an unknown type |
| `401` | `unauthorized` | The API key is missing or invalid |
| `404` | `user_not_found` | The user doesn't exist under your key |


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