Obtain the income withholding order document from the issuing agency; extract the withholding amount, frequency, remittance address, and case/FIPS codes.
Using the Gusto API, locate the employee garnishment endpoints — check for a garnishments resource under /v1/employees/{employee_id}/garnishments.
Create the garnishment record via POST with the garnishment type (child_support), the withholding amount or percentage, effective date, and remittance details.
Verify that the system will apply CCPA Title III limits: for child support, the maximum withholding is 50% of disposable earnings if the employee supports another family, or 60% otherwise (each raised by 5% if payments are 12+ weeks in arrears).
Confirm the garnishment appears on the next payroll preview and that the remittance instruction is captured correctly before running payroll.
Known gotchas
CCPA Title III caps disposable earnings (gross pay minus legally required deductions like FICA and taxes), not gross pay — miscalculating the base leads to over- or under-withholding.
State-level rules for child support may be more restrictive than federal CCPA limits; always check the state named in the IWO.
Gusto may not handle remittance to the State Disbursement Unit (SDU) automatically — verify whether you must arrange separate remittance outside the platform.
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp