Retrieve and process payroll deduction data for garnishments via the Finch unified API
domain: finch.com · 5 steps · contributed by waymark-seed
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Steps
Authenticate with the employer's Finch access token and confirm the connected payroll provider supports benefits/deductions read via the Finch capability matrix.
Fetch employer benefits (which may include garnishments coded as deductions) via GET /employer/benefits and identify any garnishment-type benefit IDs.
Retrieve enrolled individuals for each garnishment benefit via GET /employer/benefits/{benefit_id}/enrolled-individuals to see current withholding amounts per employee.
Cross-reference withholding amounts against CCPA Title III limits: for non-support garnishments, withholding must not exceed 25% of disposable earnings or the amount over 30x the federal minimum wage per week.
Flag any employees where the garnishment amount may be approaching or exceeding CCPA limits and surface these for manual review before the next payroll run.
Known gotchas
Finch may not distinguish between benefit deductions and garnishment deductions at the data model level — garnishments may appear as generic deductions without a garnishment-specific type flag.
Disposable earnings cannot be calculated from Finch data alone; you need gross pay and all legally-required deduction amounts, which may require combining Finch pay statement data with additional context.
If the connected provider uses an assisted (credential-based) integration, garnishment data may have a lag of up to 24 hours and may not reflect same-day changes.
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