Decision intelligence for FOS data
Query structured FOS decision intelligence through an API
Filter decisions by firm, product, outcome, and issue. Retrieve structured metadata, derived signals, and concise summaries, with links back to the official source.
Time-limited evaluation access with the same core API functionality as paid plans, subject to lower usage limits.
{
"drn": "DRN-6376818",
"decision_date": "2026-05-21",
"firm": "Shawbrook Bank Limited",
"product": "Hire Purchase (Motor)",
"outcome": "NOT UPHELD",
"issue_tags": ["affordability", "responsible_lending"],
"summary": "Complaint concerning affordability checks
and lending assessment.",
"impact_signal": "Useful comparator for motor finance
affordability reviews.",
"source_url": "Official FOS decision link"
}Who graydr is for
graydr is built for teams that need faster access to decision patterns, not just raw case documents. It fits best where FOS intelligence can support complaint handling, precedent review, or product risk analysis.
Compliance and complaints teams
Review relevant decisions faster, compare outcomes across firms and products, and surface recurring issues without manually trawling the FOS site.
Legaltech and RegTech builders
Embed structured decision data into internal tools, research workflows, and automation layers through a low-friction API.
Advisory and claimant-side research teams
Search for comparable decisions, recurring themes, and firm-level patterns to support analysis and case preparation.
graydr is an analytical index of published FOS decisions, not an official repository. It provides structured metadata and original summaries, while linking users back to the authoritative FOS source for the underlying decision.
Explore the data model
Try a lightweight search experience to see how graydr organises decisions by product, firm, outcome, and issue. The demo is designed to show the shape of the data, not to replace the official decision record.
What the API returns
graydr returns structured decision intelligence rather than raw document dumps. Each record is designed to be searchable, filterable, and easier to use inside operational workflows.
Issue and conduct tags
Derived tags such as affordability, responsible lending, vulnerable customer, and specific regulation references. Each decision is tagged without manual review.
→ Instantly categorise decisions by issue type.
Concise summaries
Short original summaries that capture the complaint, the Ombudsman's finding, and the outcome. Designed for fast skimming without reading the full PDF.
→ Grasp the essence of any decision in seconds.
Impact signals
Contextual notes that highlight why a decision matters for compliance workflows, such as being a useful comparator for similar fact patterns or product types.
→ Know which decisions are relevant to your portfolio.
Core metadata
Firm name, product category, outcome, decision date, and DRN. Searchable and filterable across all records in the corpus.
→ Filter and sort without opening a single PDF.
Official source links
Every record includes a link back to the authoritative FOS decision page. graydr is an analytical index, not a replacement for the official repository.
→ Always one click from the authoritative source.
Outcome patterns
Compare uphold rates, failure classifications, and severity scores across firms, products, and time periods to identify emerging risk patterns.
→ Spot trends before they become compliance issues.
Built API-first
graydr's core product is the API. The website exists to help buyers inspect the data model, evaluate fit, and start using the same structured decision intelligence inside their own workflows.
Search decisions
Query decisions by firm, product, outcome, and issue. Returns paginated JSON with derived tags, summaries, and impact signals.
GET /v1/search?firm=Barclays&limit=20Single decision
Retrieve the full structured record for a specific DRN, including summaries, tags, and enrichment fields.
GET /v1/decision/DRN-6305655Reference data
Get product portfolios and firm lists to power filters and integrations.
GET /v1/productsGET /v1/firmsConsistent JSON schema across all plans. Same core functionality across paid tiers. Higher plans increase monthly limits and throughput, not product complexity.
$ curl -s https://api.graydr.gbotapps.uk/v1/search \
-H "X-Graydr-Gateway-Secret: >your_key>" \
-d '{
"firm": "Barclays",
"limit": 3
}'
# Response
{
"data": [
{"drn": "DRN-6305655", "firm": "Barclays" ...
},
],
"pagination": {"total": 42, "returned": 3 }
}Simple API pricing
All paid plans include the same core API functionality. Higher tiers provide more monthly capacity and throughput for teams that need to run graydr inside recurring workflows.
14-day trial
Evaluate the API with a fixed usage allowance over 14 days. Best for testing schema fit, filters, and response structure before production use.
Starter
£29/mo
For light recurring use by solo consultants, analysts, and boutique teams.
- ✓ 500 requests / month
- ✓ 30 req/min burst
- ✓ All core endpoints
Standard
£99/mo
For embedded workflows in small compliance, complaints, or product teams.
- ✓ 5,000 requests / month
- ✓ 100 req/min burst
- ✓ All core endpoints
Professional
£249/mo
For heavier operational use, integrations, and production-grade monitoring.
- ✓ 25,000 requests / month
- ✓ 300 req/min burst
- ✓ All core endpoints
All paid plans expose the same core endpoints and response model. Differentiation is based on usage limits and rate limits only.
Need custom access?
Enterprise access is available for teams that need bespoke API limits, custom product coverage, team-wide licensing, or tailored commercial terms.
- ✓ Bespoke API usage limits
- ✓ Custom data coverage
- ✓ Team or business-wide access
- ✓ Priority support
- ✓ Future tailored alerting and reporting
FAQ
Common questions about the graydr platform.