Start consumer login
Match a consumer profile by last name, date of birth, and last four SSN digits. A matched profile returns a flow token and may send OTP immediately. If the request includes a valid trusted-device cookie for the matched profile, the backend returns an access token immediately without sending OTP. A login miss returns an attempt token so the client can ask the user to confirm profile creation.
Body
Consumer last name. Matching is case-insensitive in the backend.
50Consumer date of birth in YYYY-MM-DD format. The consumer must be at least 18 years old.
Last four SSN digits. Non-digits are stripped before validation.
^\d{4}$Response
Login flow started, contact input required, or no match returned.
- Login With OTP
- Contact Required Before OTP
- Login Without OTP - Trusted Device
- No Matching Profile
"OTP sent successfully to j***@example.com."
true true email, mobile 
