FR Y-14M Address Matching

FR Y-14M: Address Matching Loan Level Data Collection
Data Format
The BHCs shall provide the data each month in a single bar-delimited text file. Fields should be delimited
with a vertical bar (|, ASCII decimal 124, ASCII hexadecimal 7C). This will be a “month-end” file produced
each month and reported no later than thirty (30) calendar days after the end of the reporting
month. This file will contain one record per active loan in the contributor’s inventory.
For every loan reported on the Y-14M First Lien Closed-end 1-4 Family Loan or Home Equity Loan and
Home Equity Line of Credit Schedules, the BHCs shall provide the information set forth in this schedule.
Additional Formatting:
 Options for all fields are comprehensive identifying a valid value for all loans regardless of
status. If a value is Unknown or Unavailable the field should be left NULL - populated with a
sequence of two vertical bars (|, ASCII decimal 124, ASCII hexadecimal 7C) with no intervening
spaces or explicit N/A coding.
 No quotation marks should be used as text identifiers.
 Please do not provide a header row
Inactive inventory that was paid off in one manner or another (servicing transfer, involuntary liquidation
or paid-in-full by borrower) before the beginning of the reporting month should not be included.
File Naming Convention:
The standard data files which the Federal Reserve will receive from the data aggregator will follow the following
file naming conventions. BHCs will use this naming convention to send the data files to the data aggregator.
FRY14_ADDRESSMATCH___.TXT
SUBMISSION_NUMBER indicates the file received by the Federal Reserve, and will be populated as a two-digit
number NN (example: for the first submission for a particular period, use 01. If the bank has to resubmit the same
file, then use 02 for the next submission, and so on).
In the case of the First Lien, Home Equity, and Address Matching Schedules, the BHCs should provide the data
each month in a single bar‐delimited text file. This is also referred to as a ipe‐delimited text file. Fields should be
delimited with a vertical bar (|, ASCII decimal 124, ASCII hexadecimal 7C).
Example:
Institution A has ID_RSSD equal to 999999. For the Address Match data file submitted for period 201206, the file
would be named as FRY14_ADDRESSMATCH_999999_201206_01.TXT. Any subsequent revised Address Match
data file submitted by the institution for the same period will be named as FRY14_ADDRESSMATCH_
999999_201206_02.TXT, and so on.

No Name

Detailed Description

Allowed Values

Format

1

Loan
Number

An identifier for this loan that will be the
A contributor-defined
same from month to month. It must identify
alpha-numeric value up
the loan for its entire life and most be unique to 32 characters.
Note: Please provide the
(piggy-backs should be separated).
same loan number that
is provided in the FR Y‐
14M First Lien and Home
Equity schedule
submissions. The loan
number will be
consistent across the
Address Match, First
Lien, and Home Equity
data.

Character(32)

2

Property
Street
Address

The street address associated with the
property. Must include street direction
prefixes, direction suffixes, and Unit Number
for condos and coops.

Text field.
Include street prefixes,
suffixes, and unit
number, e.g.:
123 E Main St # 123
123 Highway 79 South
Unit 567

Text(100)

3

Property City

Text field

Text(50)

4

Property
State

The city in which the property is located.
Contributors should be careful to provide the
property city (not the mailing state of the
borrower).
The state in which the property is located.
Contributors should be careful to provide the
property state (not the mailing state of the

Two-letter postal codes
for the state.

Character(2)

No Name
5

Property ZIP
code

6

Mailing
Street
Address

7

Mailing City

8

Mailing
State
Mailing ZIP
Code

9

Detailed Description
borrower).
Nine-digit ZIP code of the property or fivedigit ZIP code if nine-digit is not available.
Please be sure to provide the property ZIP
code (not the mailing ZIP).
Note: Provide the zip code as 9 digits when
available.
The borrower’s mailing street address. May
be the same as the Property address. Must
include street prefixes, suffixes, and Unit
Number for condos and coops.

The borrower’s mailing city. May be the same
as the Property City.
The borrower’s mailing state. May be the
same as the Property State.
Nine-digit ZIP code of the mailing address or
five-digit ZIP code if nine-digit is not available.

10

Liquidation
Status

Whether and how the loan was paid-in-full.

11

Original Lien
Position

1st, 2nd, 3rd, etc.

Allowed Values
Five-digit or nine-digit
number. Include leading
zeroes WITH NO DASHES,
e.g.:
00901
101015271
Text field.
Include street prefixes,
suffixes, and unit
number, e.g.:
123 E Main St Apt 123
123 Highway 79 South
Unit 567
Text field.
Two-letter postal codes
for the state.
Five-digit or nine-digit
number. Include leading
zeroes WITH NO DASHES,
e.g.:
00901
101015271
0 =Not paid-in-full
1 =Voluntary Payoff /
Refinance (includes
Property Sale)
2 = Involuntary
liquidation
3 = Servicing transfer
1 = First Lien
2 = Second Lien
3 = Third Lien

Format

Character(9)

Text(100)

Text(50)
Character(2)
Character(9)

Character(1)

Character(1)

12

Census Tract

Census tract of the property address.

Census tract number,
provided in text format
Use the 2010 Census Tract definitions. Census including any leading
tracts are identified by an up to four digit
zeroes and the decimal
integer number and may have an optional
points if applicable.
two‐digit suffix. The census tract codes consist
of six digits with an implied decimal between Example: The census
the fourth and fifth digit corresponding to the tract 2345.06 would
basic census tract number but with leading
have the code of
zeroes and trailing zeroes for census tracts
234506. The census
without a suffix.
tract 78 would have a
value of 007800. Please
provide the data as
234506 and 007800
Use the 2010 Census Tract definitions. For
additional details refer to the Census Bureau respectively for the
examples listed.
website.

Character(10)