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pdfFR Y-14Q: Retail US Other Consumer Schedule Instructions
FR Y-14Q: Retail US Other Consumer Schedule Instructions
In this schedule, reporting bank holding companies (BHCs) should include all US loans reported in lines 6.b and 6.d of
the FR Y-9C excluding student loans and non-purpose securities based loans, AND should include US non-auto leases
included in line 10.a of the FR Y-9C.
For the first reporting period (September 2011), the request is for monthly portfolio-level data for a number of US
other consumer portfolio segments from January 2007 to the first reporting period. For subsequent periods, the firm
is only required to report data for the months within the reporting period. US other consumer loans are defined as
all non-student, domestic loans reported in line items 6.b and 6.d of Schedule HC-C of the FR Y-9C.
The requested segmentations are presented in table A of these instructions. Reporting institutions are requested to
segment their domestic other consumer portfolios by product type, delinquency status, original FICO or equivalent,
line size/loan amount, and original loan-to-value ratio. More information on each of these segmentations can be
found in section A of these instructions. Start each row of data with your BHC name (SAS Variable: BHC_NAME), your
RSSD ID number (SAS Variable: RSSD_ID), the reporting month (SAS Variable: REPORTING_MONTH), and Portfolio ID
(SAS Variable: PORTFOLIO_ID) (use USOthCons for the portfolio ID within this schedule).
Table B lists the variables that are to be reported for each portfolio segment. Definitions for each of these variables
can be found in section B of these instructions. Provide all dollar unit data in millions of dollars ($ Millions). Use the
SAS variable names and SAS data types provided on the table for the submission.
The OTHERCONS_DOM Example Raw File Exhibit below provides an example of the dataset to be submitted.
Columns D to J of this worksheet indicate the specific reported segments while the remaining columns contain the
requested summary variables. Rows 3 through 60 are for the following specific segment: secured revolving loans, 29
or fewer days past due, with an original FICO of <=620, a loan size of <=$3,000, and an original loan-to-value ratio less
than or equal to 70 percent or not applicable. A new segment starts in row 61. This segment has the same
characteristics as the prior segment except that the original loan-to-value ratio is 71-99 percent. There are five
product type segments, five delinquency status segments, three original FICO or equivalent segments, two loan
size/loan amount segments, and three original loan-to-value segments. This results in a maximum sized dataset with
450 rows of data per reporting month (5 x 5 x 3 x 2 x 3= 450). Submit all data files in SAS format (version 7 or
higher) only. Include in your submission all segments that are not applicable (e.g., there are no loans or accounts in
those segments) such that the dataset always has 450 rows of data per reporting month. For the summary variables,
assign a SAS Missing Value (".") if information is not applicable or not available.
Reporting institutions should provide a segment ID for each reported segment. This segment ID should be a unique
ten digit identifier where each pair of the ten digits refers to a specific classification for each of the five segmentation
categories. Refer to table A for the attribute codes for the five segment categories. For example, in the
OTHERCONS_DOM Example Raw File Exhibit, the first segment listed has the Segment ID 0101010101 because each
of the attributes for this segment is in the primary position of the attributes list in table A. Starting with row 61, the
second example segment has the Segment ID 0101010102 because all of the attributes are the same as the prior
segment except that original loan-to-value ratio is between 71 and 99 percent, which is listed in the second position
of the attributes list in table A. Do not drop leading zeros.
-1-
FR Y-14Q: Retail US Other Consumer Schedule Instructions
For the requested summary variables, do not include charge-offs and recoveries in the calculation of dollars or
number of accounts for a given reporting month. The only exception to this rule is for the field $ net contractual
charge-offs. For this variable, report the dollar amount of charge-offs or recoveries only in the month that they
occurred. For the delinquency status segmentation, categorize charge-offs or recoveries by their delinquency status
at charge-off. A summation of charge-offs or recoveries across the delinquency buckets for a given month should
thus result in the total charge-offs or recoveries recorded by your institution in that reporting month.
A. Segmentation Variables
For each of the summary variables (to be described in further detail in Section B), information should be
reported for the following segments:
1. Product Type – Segment the portfolio into the following five product types based on the various
features of the credit:
a) Secured-Revolving
b)
c)
d)
e)
Secured-Installment
Unsecured-Revolving
Unsecured-Installment
Overdraft
2. Delinquency Status – Segment the portfolio into the following five delinquency statuses:
a) Current and 1-29 DPD: Accounts that are not past due (accruing and non-accruing) as of
month-end and accounts that are 1 to 29 days past due (accruing and non-accruing) as of
month-end.
b) 30-59 DPD: Accounts that are 30 to 59 days past due (accruing and non-accruing) as of
month-end.
c) 60-89 DPD: Accounts that are 60 to 89 days past due (accruing and non-accruing) as of
month-end.
d) 90-119 DPD: Accounts that are 90 to 119 days past due (accruing and non-accruing) as of
month-end.
e) 120+ DPD: Accounts that are 120 days or more past due (accruing and non-accruing) as
of month-end.
3. Original FICO or Equivalent – Segment the portfolio by original FICO score or equivalent. Original
FICO score or equivalent should be the score upon which the original underwriting decision was
based. If the bank does NOT have original FICO scores, map the internal score or other bureau score
used to the equivalent FICO score.
a) <= 620
b) > 620
c) N/A—Original FICO or equivalent score is missing or unknown
4. Line Size/Loan Amount – Segment the portfolio into the following two credit line or current loan
amount segments.
a) <= $3,000
b) > $3,000
-2-
FR Y-14Q: Retail US Other Consumer Schedule Instructions
5. Original Loan-to-Value Ratio– The original combined loan-to-value ratio is the original amount of the
loan or line, in addition to any senior liens, divided by the collateral value at the time of origination.
For unsecured loans for which loan-to-value is not applicable, report the summary variables in the
segment entitled <=70 or not applicable. Segment the portfolio as follows:
a) <= 70 or not applicable
b) > 70 and < 100
c) >= 100
B. Summary Variables
For each of the segments described above and for each reference month, report information on the
following summary variables:
1. # Accounts – Total number of accounts on the book for the segment as of month-end.
2. $ Outstandings – The total unpaid principal balance for accounts on the book for the segment as of
month-end.
3. $ Net Charge-offs – The total unpaid principal balance for the segment that was charged-off in the
reference month, net of any recoveries in the reference month. Generally, $ Net Charge-offs should
equal [$ Gross Contractual Charge-offs + $ Bankruptcy Charge-offs — $ Recoveries].
4. # New Accounts – The total number of new accounts originated in the given month for the segment
as of month-end.
5. $ New Commitments – The total dollar amount of new commitments on accounts originated in the
given month for the segment as of month-end. If unknown for some accounts due to acquisition or
merger, report the credit line at acquisition.
-3-
FR Y‐14Q: Retail US Other Consumer Segmentation and Variables
Definition
Reference
Segments
SAS Variable Names
Report Instruction A ‐ 1
Report Instruction A ‐ 2
Report Instruction A ‐ 3
Report Instruction A ‐ 4
Report Instruction A ‐ 5
Product Type
Delinquency Status
Original FICO or Equivalent
Line Size / Loan Amount
Original Loan‐to‐Value
PRODUCT_TYPE
DLQ_STATUS
ORIG_FICO
LINE_LOAN_SIZE
ORIG_LTV
Please provide all Dollar Unit data in $ Millions.
SAS
SAS
Segment ID
Data Types Format
Position
01
Character char(35)
1‐2
Secured‐Revolving
Character char(35)
3‐4
Current + 1‐29 DPD
Character char(35)
5‐6
<= 620
Character char(35)
7‐8
<=3,000
Character char(35)
9‐10
<=70 or not applicable
SAS Variable Names
N_ACCT
D_OS
D_NET_CO
N_NEW_ACCOUNTS
D_NEW_COMMITMENTS
SAS
Data Types
Numeric
Numeric
Numeric
Numeric
Numeric
Table A
Table B
Definition
Reference
Report Instruction B ‐ 1
Report Instruction B ‐ 2
Report Instruction B ‐ 3
Report Instruction B ‐ 4
Report Instruction B ‐ 5
Summary Variables
# Accounts
$ Outstandings
$ Net Charge‐offs
# New Accounts
$ New Commitments
SAS
Format
16.
16.6
16.6
16.
16.6
Attribute ID within Segment ID Positions
02
03
04
Secured‐Installment
Unsecured‐Revolving
Unsecured‐Installment
30‐59 DPD
90‐119 DPD
60‐89 DPD
> 620
N/A
>3,000
71‐99
>=100
05
Overdraft
120+ DPD
A
B
C
1 FR Y‐14Q: US Other Consumer Raw Data File
2 Business/Portfolio Identifier Data
3
BHC Name
BHC RSSD_ID #
Portfolio ID
D
E
F
G
H
I
J
K
Segment
Segment ID
L
M
N
O
$ Outstanding
$ Net Charge‐offs
# New Accounts
$ New Commitment
Summary Variables
Product Type
Delinquency Status
Original FICO or Line Size/ Loan
equivalent
Amount
Original LTV
Reporting
Month
4 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
5 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Feb‐07
6 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Mar‐07
7 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Apr‐07
8 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
May‐07
Jun‐07
Jan‐07
9 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
10 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Jul‐07
11 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Aug‐07
12 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Sep‐07
13 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Oct‐07
14 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Nov‐07
Dec‐07
15 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
16 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Jan‐08
17 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Feb‐08
Mar‐08
18 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
19 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Apr‐08
20 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
May‐08
Jun‐08
21 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
22 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Jul‐08
23 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Aug‐08
24 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Sep‐08
25 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Oct‐08
26 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Nov‐08
Dec‐08
27 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
28 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Jan‐09
29 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Feb‐09
Mar‐09
30 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
31 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Apr‐09
32 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
May‐09
Jun‐09
33 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
34 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Jul‐09
35 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Aug‐09
36 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Sep‐09
37 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Oct‐09
38 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Nov‐09
# Accounts
A
B
2 Business/Portfolio Identifier Data
3
BHC Name
39 ABC
BHC RSSD_ID #
C
D
E
F
Segment ID
Product Type
Delinquency Status
G
H
I
J
K
Summary Variables
Original LTV
Reporting
Month
Segment
Portfolio ID
7654321 USOthCons
0101010101
Secured‐Revolving
Original FICO or Line Size/ Loan
equivalent
Amount
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Jan‐10
41 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Feb‐10
Mar‐10
42 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
43 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Apr‐10
44 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
May‐10
Jun‐10
45 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
46 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Jul‐10
47 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Aug‐10
48 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Sep‐10
49 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Oct‐10
50 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Nov‐10
Dec‐10
51 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
52 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Jan‐11
53 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Feb‐11
Mar‐11
54 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
55 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Apr‐11
56 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
May‐11
Jun‐11
57 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
58 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Jul‐11
59 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Aug‐11
60 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Sep‐11
61 ABC
7654321 USOthCons
0101010101
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
< = 70 or not app
Oct‐11
62 ABC
7654321 USOthCons
0101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
71‐99
Jan‐07
63 ABC
7654321 USOthCons
0101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
71‐99
Feb‐07
64 ABC
7654321 USOthCons
0101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
71‐99
Mar‐07
65 ABC
7654321 USOthCons
0101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
71‐99
Apr‐07
66 ABC
7654321 USOthCons
0101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
71‐99
May‐07
67 ABC
7654321 USOthCons
0101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
71‐99
Jun‐07
68 ABC
7654321 USOthCons
0101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
71‐99
Jul‐07
69 ABC
7654321 USOthCons
0101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
71‐99
Aug‐07
Sep‐07
70 ABC
7654321 USOthCons
0101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
71‐99
71 ABC
7654321 USOthCons
0101010102
Secured‐Revolving
Current + 1‐29 DPD
< = 620
<= 3,000
71‐99
Oct‐07
72 ABC
73
7654321 USOthCons
0101010102
Secured‐Revolving
..
Current + 1‐29 DPD
..
< = 620
<= 3,000
..
71‐99
..
Nov‐07
..
M
N
O
$ Outstanding
$ Net Charge‐offs
# New Accounts
$ New Commitment
Dec‐09
40 ABC
..
# Accounts
L
..
..
..
..
..
| File Type | application/pdf |
| File Modified | 2011-11-18 |
| File Created | 2011-11-18 |