{"data":{"snapshotId":"26979","sourceRecordId":"cfpb:tccp:2025-12-31:merrick-bank:unsecured-dyl","issuerName":"Merrick Bank","cardName":"Unsecured DYL","reportDate":"2025-12-31","publisherName":"Consumer Financial Protection Bureau","sourceUrl":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/","canonicalUrl":"https://www.consumerfinance.gov/data-research/credit-card-data/terms-credit-card-plans-survey/","capturedAt":"2026-09-06T02:08:45.690Z","effectiveOn":"2025-12-31","effectiveOnBasis":"report_date","fields":{"Late Fee Six Month Billing Cycle":{"rawValue":"40","unit":"text","statistic":"point","conversion":"identity","normalizedUnit":"text","normalizedValue":"40"}},"locatorFields":["Late Fee Six Month Billing Cycle"]}}