# `accessor/creditfair.py`

## Overview
This file acts as a client wrapper to interface with various internal CreditFair (CF) endpoints, Bureau endpoints, and the EMI Checkout Backend. It uses `hashids` to encode application IDs before transmitting them.

## Functions

### 1. CKYC Fetching
- **`no_touch_callckyc(pan_number, dob, random_id, application_id)`**:
  - Hits `POST <CF_ENDPOINT>/api/ckyc/fetch`.
  - Parses the response to extract personal details (name, address, email, etc.) if `kycStatus` is `SUCCESS`.
  - Returns a structured dictionary containing the parsed data.
- **`callckyc(pan_number, dob, random_id, mobile)`**:
  - Similar to `no_touch_callckyc`, but doesn't pass `application_id` in the request and injects the `mobile` number directly into the returned parsed dictionary.

### 2. Bureau Integration
- **`fetch_bureau(...)`**:
  - Hits `POST <BUREAU_ENDPOINT>/api/get-bureau-response`.
  - Sends comprehensive applicant details (PAN, name, address, loan amount, etc.) to fetch bureau credit data.
  - Returns the raw `requests` response object, or `True` on exception.

### 3. Verification & Decisions
- **`electricity_bill(application_id, customer_id, provider, district, mobile_number)`**:
  - Hits `POST <CF_ENDPOINT>/api/electricity-bill-details`.
  - Used for utility bill validation.
- **`epf_call_cf(company_name, consumer_name, mobile, email, application_id)`**:
  - Hits `POST <CF_ENDPOINT>/api/employment-verification`.
  - Used for Employee Provident Fund (EPF) verification based on employer and employee details.
- **`run_auto_decision(application_id)`**:
  - Hits `GET <CF_ENDPOINT>/api/run-auto-decision`.
  - Hashes the `application_id` before querying the auto-decision engine.

### 4. Loan Offers
- **`get_offers(application_id)`**:
  - Hits `GET <EMI_CHECKOUT_BE_ENDPOINT>/v1/loan_offer/applicable`.
  - Hashes the `application_id` and fetches the applicable loan offers for the customer.

### 5. Account Aggregator & Agreements
- **`account_aggregator(application_id, redirect_url)`**:
  - Hits `POST <CF_ENDPOINT>/api/get-account-aggregator-link` to generate an AA link for the customer.
- **`cf_sign_agreement(application_id, load_time, click_time)`**:
  - Hits `POST <CF_ENDPOINT>/api/sign-agreement` to record the loan agreement signing metrics.

## Dependencies
- `requests`, `json`, `logging`
- `config`
- `hashids` (from `utils.hashing`)
- `CustomExceptions` (from `exceptions.custom_exceptions`)