FR Y-14M Domestic Credit Card

Capital Assessment and Stress Testing

FR Y-14M_Retail_Credit_Card_instructions_20120928

Domestic Credit Card - Monthly

OMB: 7100-0341

⚠️ Notice: This form may be outdated. More recent filings and information on OMB 7100-0341 can be found here:

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Credit Card Data Collection Data
Dictionary
Table of Contents
Account Level Variables……………………… 3
Portfolio Level Variables …………………..

Data Collection Instructions
•

Loan Population should include all loans that fall in any of the following categories:
a. General Purpose Credit Cards: These are credit cards that can be used at a wide variety of merchants, including any who
accept MasterCard, Visa, American Express or Discover credit cards. Include affinity, co-brand cards in this category, and
student card if applicable. This includes loans reported on line 6.a of schedule HC-C of the FR Y-9C.
b. Private Label Credit Cards: These credit cards, also known as Proprietary Credit Cards, are tied to the retailer issuing the card
and can only be used in that retailer's stores. Include oil & gas cards in this loan type, and student cards if applicable. This
includes loans reported on line 6.a of schedule HC-C of the FR Y-9C.
c. Business Card: Include small business credit card accounts where the loan is underwritten with the sole proprietor or primary
business owner as applicant. Report at the control account level or the individual pay level (not at the sub-account level). This
includes SME credit card loans that are those reported on line 4.a of schedule HC-C of the FRY-9C.
d. Corporate Credit Cards: Employer-sponsored credit cards for use by a company's employees. This includes US corporate
credit card loans that are those reported on line 4.a of schedule HC-C of the FRY-9C.
e. Other: Other cards accounts to consumers, small business, or corporations reported in the FR Y-9C in line items not
represented above.

•
•
•
•
•
•

Do not report data from international cards but include Puerto Rico and the US Virgin Islands
For all variables reported please report as blank if information is missing or unknown.
Avoid account duplications.
For account level variables representing monetary value please use the U.S. Dollar ($) as the reporting monetary unit.
For portfolio level variables representing monetary value please use millions of dollars ($ Millions) as the reporting monetary
unit.
For portfolio level variables, the list of summary variables is to be reported for each portfolio segment. The variables ‘Credit Card
Type’ and ‘Lending Type’ should be used to define the portfolio segment in a reporting month. For example, General Purpose
Bank Cards would constitute the first segment for a bank in a reporting month, say January 2011. There are four Credit Card Type

•
•

•

segments and four Lending type segments. Hence, the dataset should always have 16 rows of data per reporting month. The
remaining portfolio level variables are the requested summary variables.
No quotation marks should be used as text identifiers.
Mandatory variables should be provided in all cases. Optional variables should be provided when available, or when not directly
available they should be provided on a best effort basis. All mandatory variables must be completed for each reported credit.
Variables designated "optional" must be reported if the reporter uses the requested information in the course of the reporter's
risk management practices or otherwise generates or stores the requested information. If the reporter does not use or generate
the information requested in the variable, the reporter is not required to generate the information for this schedule, in which
case the variable should be reported as blank.
Basel II variables are mandatory for Basel II banks, optional for non-Basel II Banks.
Inclusion of corporate and business card loans:
o Loans for which a commercially-graded corporation is ultimately responsible for repayment of credit losses incurred
should be reported in the FR Y-14Q Corporate Loan schedule.
o If there is any individual liability associated with the sub-lines such that individual borrower characteristics are taken
into account during the underwriting decision, and/or performance on the credit is reported to the credit bureaus,
the loan should be reported in the FR Y-14M Credit Card schedule.

1
Field
No.

Account Level
Field Name

Technical Field
Name

Description

Static or
Dynamic

Mandatory
or Optional

Format

Reference
Number

ReferenceNumber

A unique identifier for the loan record that will be
the same month to month. A reference number
shall be used in lieu of the actual account number.
The reference number shall identify the account or
account relationship (for Business Credit Cards) for
its entire life. The Aggregator will recommend a
best practice for the identification or generation of
this identifier and the safeguarding of account
privacy information. Replacement accounts will
need to be linked. Banks will need to work with the
Aggregator on mapping cross reference account
numbers. This may require another data field.

Mandatory

N: Numeric
C: Character
C18

Customer ID

CustomerId

A unique customer identifier that will be the same
across loan records for the same customer from
month to month. The Aggregator will recommend a
best practice for the identification or generation of
this identifier and the safeguarding of account
privacy information.

Mandatory

C18

Bank ID

BankId

Mandatory

C18

Period ID

PeriodId

Identifies the bank. This should be the RSSD ID of
the BHC.
Identifies the reporting period. Reporting period is
the period (month) over which account metrics are
reported.
Reporting periods are always referred to by the last
day of the reporting month, for example 20111231,
20120331, etc.

Mandatory

Date
YYYYMMDD

Field
No.
5

Field Name
State

Technical Field
Name
AccountState

Description
Report the State the cardholder currently reports as
their billing address. If account originated in the US
and the card member has subsequently moved to a
foreign country, report as non-US.

Static or
Dynamic

Mandatory
or Optional

Format

Mandatory

N: Numeric
C: Character
C6

Mandatory

a. State postal code or
b. Report as non-US or
c. Report as AP - if Army Post Office address.

Zip Code

AccountZipCode

Report the zip code the cardholder reported as
their billing address (5 digits for U.S. accounts).

Field
No.
7

Field Name
Credit Card Type

Technical Field
Name
CreditCardType

Description
Report each account in one of the following
categories:
1 = General Purpose - can be used at a wide variety
of merchants, including any who accept
MasterCard, Visa, American Express or
Discover credit cards. Include affinity, co-brand
cards in this category, and student card if
applicable.
2 = Private Label - also known as Proprietary Credit
Cards, are tied to the retailer issuing the card
and can only be used in that retailer's stores.
Include oil & gas cards in this loan type, and
student cards if applicable.
3 = Business Card - Include small business credit
card accounts where the loan is underwritten
with the sole proprietor or primary business
owner as applicant. Report at the control
account level or the individual pay level (not at
the sub-account level).
4 = Corporate Card -Employer-sponsored credit
cards for use by a company's employees.

Static or
Dynamic
D

Mandatory
or Optional
Mandatory

Format

N: Numeric
C: Character
N1

Field
No.
8

Field Name
Product Type

Technical Field
Name
ProductType

Description
Report each account in one of the following product
types:
1 = Co-brand
2 = Oil and Gas
3 = Affinity
4 = Student (if internally identified as a student
card)
5 = Other

Static or
Dynamic
D

Mandatory
or Optional
Mandatory

Format

N: Numeric
C: Character
N1

Field
No.
9

Field Name
Lending Type

Technical Field
Name
LendingType

Description
Report each account in one of the following
categories:
1 = Consumer Bank Card - Regular general purpose
credit cards that can be used at a wide variety
of merchants, including any who accept
MasterCard, Visa, American Express or
Discover credit cards. Include affinity and cobrand cards in this category, and student cards
if applicable. This product type also includes
private label or propriety credit cards, which
are tied to the retailer issuing the card and can
only be used in that retailer’s stores. Include oil
& gas cards in this loan type, and student cards
if applicable.
2 = Consumer Charge Card - Consumer credit cards
for which the balance is repaid in full in each
billing cycle.
3 = Non Consumer Bank Card - Include small
business credit card accounts where the loan is
underwritten with the sole proprietor or
primary business owner as applicant. Also
report Corporate Card Employer-sponsored
credit cards for use by a company's employees.
4 = Non Consumer Charge Card – Small business
credit card or corporate credit card for which
the balance is repaid in full in each billing cycle.

Static or
Dynamic
D

Mandatory
or Optional
Mandatory

Format

N: Numeric
C: Character
N1

Field
No.
10

Field Name
Revolve Feature

Technical Field
Name
RevolveFlag

Description
Identify whether the account has an associated
revolve feature i.e. where the entire balance or part
of the balance is not required to be repaid in full at
the end of the billing cycle.

Static or
Dynamic

Mandatory
or Optional

Format

Mandatory

N: Numeric
C: Character
N1

Mandatory

1 = Yes
0 = No

Network ID

NetworkId

Report each account in one of the following
categories:
1 = Visa
2 = MasterCard
3 = American Express
4 = Discover
5 = Other

Secured Credit
Type

CreditCardSecuredF
lag

Indicate whether the card is included in a program
where any portion of the line is secured by
collateral.
1 = Yes
0 = No

Field
No.
13

Field Name
Loan
Source/Channel

Technical Field
Name
LoanChannel

Description
Report the source or channel by which the lender
solicited or otherwise acquired the account. The
method of solicitation could include direct mail, the
internet, take-one applications, or telemarketing.
Report each account in one of the following
categories:
0 = Take-One Other application - unsolicited
accounts based on a customer completing an
internet, magazine insert or event marketing
application.
1 = Pre-approved - accounts originated under a
program where the issuer solicits a list of
potential customers to which it will make an
offer of credit.
2 = Invitation to Apply "ITA" - accounts originated
based on a solicitation that required a
customer to undergo a full credit review prior
to approval.
3 = Take-One Branch application - unsolicited
accounts based on customer completing an
application obtained at bank.
4 = Accounts Purchased from a 3rd Party - accounts
added as a result of portfolio acquisition or
mergers. Do not include here if already
included in one of the above channels.
5 = Other loan source known and not included in 0
– 4 above.

Static or
Dynamic
S

Mandatory
or Optional
Mandatory

Format

N: Numeric
C: Character
N1

Field
No.
14

Field Name
SOP-03-03 flag

Technical Field
Name
SOP0303Flag

Description
Identify any loans that are accounted for under
SOP-03-03 purchase accounting.
SOP 03‐3 accounting is now referenced in GAAP as
ASC 310‐30 accounting. Loans subject to this
accounting treatment are purchased credit
impaired loans or loans acquired in a transfer for
which there is evidence of deterioration of credit
quality since origination for which it is probable, at
acquisition, that the investor will be unable to
collect all contractually required payments
receivable.

Static or
Dynamic

Mandatory
or Optional

Format

Mandatory

N: Numeric
C: Character
N1

1 = Yes
0 = No

Cycle Ending
Balance

CycleEndingBalance

Report the total outstanding balance for the
account at the end of the current month's cycle. If
cycle ending balance is not available, report the
total balance outstanding on the account as of the
month-end reporting date.

Mandatory

N12.2

Cycle Ending
Balance Flag

CycleEndingBalance
Flag

Identify any loans where CycleEndingBalance
reports the total outstanding balance for the
account at the end of the current month's cycle.

Mandatory

1 = Yes
0 = No

Field
No.
17

Field Name
Accounts Under
Promotion

Technical Field
Name
PromotionFlag

Description
Report accounts under promotion i.e. subject to
promotional pricing in the current month’s cycle.

Static or
Dynamic

Mandatory
or Optional

Format

Mandatory

N: Numeric
C: Character
N1

1 = Yes
0 = No

Cycle Ending
Balances Mix Promotional

CycleEndingBalance
Promotional

Balances at a Promotional Rate - report any amount
outstanding priced at rates below the account's
normal purchase APR at the end of the current
month’s cycle.
If cycle ending balance information is not available,
report information at the month-end reporting
date.

Optional

N12.2

Cycle Ending
Balances Mix Cash

CycleEndingBalance
Cash

Balances at a Cash Advance Rate - report any
amount outstanding priced at cash advance APR at
the end of the current month’s cycle. If cycle ending
balance information is not available, report
information at the month-end reporting date.

Optional

N12.2

Cycle Ending
Balances Mix Penalty

CycleEndingBalance
Penalty

Balances Subject to Default or Penalty Pricing report any amount outstanding subject to default
or penalty pricing due to performance at the end of
the current month’s cycle. If cycle ending balance
information is not available, report information at
the month-end reporting date.

Optional

N12.2

Field
No.

Field Name

Technical Field
Name

Description

Static or
Dynamic

Mandatory
or Optional

Format

Cycle Ending
Balances Mix Other

CycleEndingBalance
Other

All other balances outstanding at the end of the
current month's cycle ending date not included in
field No. 18, 19, and 20 above. If cycle ending
balance information is not available, report
information at the month-end reporting date.

Optional

N: Numeric
C: Character
N12.2

AverageDailyBalanc
e
TotalRewardCash

Optional

N12.2

Mandatory

N12.2

Reward Type

RewardType

Report the average daily balance in the reporting
month or cycle.
a. For accounts that offer cash, miles or other
rewards, report total equivalent dollar amount
of cash rewards accumulated as of the
reporting month.
b. For cards that do not offer rewards report a -99
code.
Report reward type in one of the following
categories.

Average Daily
Balance (ADB)
Total Reward Cash

Mandatory

1 = Cash
2 = Miles
3 = None
4 = Other

Account Cycle
Date

AccountCycleEndDa
te

Report the date in which transactions were
accumulated for billing in the reporting month.
Report as blank if the account does not have a
statement date in the current reporting month.

Optional

Date
YYYYMMDD

Account
Origination Date

AccountOrigination
Date

Report the date on which the original credit card
was issued. If unknown due to acquisition or
merger, report date account was acquired.

Mandatory

Date
YYYYMMDD

Field
No.

Field Name

Technical Field
Name

Description

Static or
Dynamic

Mandatory
or Optional

Format

N: Numeric
C: Character
Date
YYYYMMDD

Acquisition Date
Flag

AcqDateFlag

For accounts resulting from acquisition or merger,
report the loan’s acquisition or merger date. If the
date of acquisition/merger is unknown report
19000101, if the loan was not acquired, report
19000102.

Mandatory

Multiple Banking
Relationships

MultipleBankingRel
ationshipFlag

Identify accounts that currently have other non
credit card banking relationships (e.g. deposits,
trust accounts, investments) with the bank.

Mandatory

1 = Yes
0 = No

Multiple Credit
Card Relationships

MultipleCardRelatio
nshipFlag

Report accounts where the bank has issued more
than one credit card to the primary or joint account
holder(s).
1 = Yes
0 = No

Joint Account

JointAccountFlag

Report whether the account has more than one
primary obligor. Exclude other authorized users.
1 = Yes
0 = No

Authorized Users

AuthorizedUsers

Report total number of authorized users including
primary obligors.

Field
No.
32

Field Name
Flagged as
Securitized

Technical Field
Name
SecuritizedFlag

Description
Identify whether the account has been securitized
(designated for inclusion in a master trust).

Static or
Dynamic

Mandatory
or Optional

Format

Mandatory

N: Numeric
C: Character
N1

1 = Yes
0 = No

Borrower's
Income at
Origination

BorrowerIncome

Report the borrower’s total annual income
obtained at the account's origination (annualized if
monthly income was provided).

Mandatory

N12

Income Source at
Origination

BorrowerIncomeTy
pe

Income Source at Origination -- identify whether
the original income information was for the primary
cardholder only or for joint or household members
also.

Mandatory

1 = Individual
2 = Household

Updated
Borrower's
Income

UpdatedBorrowerIn
come

Report the amount of total income if new income
information was obtained subsequent to the initial
application or acquisition.

Optional

N12

Updated Income
Source

UpdatedBorrowerIn
comeType

Identify whether the updated income information
was for the primary cardholder only or for joint or
household members also.

Optional

1 = Individual
2 = Household

Field
No.

Static or
Dynamic

Technical Field
Name

Date Refreshed
Income Obtained

DateUpdatedBorro
werIncome

Report the date the new income information was
received.

Optional

Original FICO
Score for the
primary account
holder

OriginalFicoScorePri
maryBorrower

Report FICO score or alternative score based on the
credit bureau service the institution uses as its
source. Original FICO reflects the score upon which
the original underwriting decision was based. If the
bank does NOT obtain origination FICO scores, map
the internal score or other bureau score used to
FICO scores and report that score. For Business
Cards, provide the score for the proprietor or
primary business owner.

Mandatory

Original FICO
Score for the coborrower (if any)

OriginalFicoScoreCo
borrower

For the co-borrower, defined like "Original FICO
Score for the primary account holder". See Field No.
38.

Mandatory

Refreshed FICO
Score

RefreshedFicoScore
PrimaryBorrower

A refreshed FICO score is any update to the score
used for the original credit decision. Report the
most recent score for the primary accountholder. If
internal credit scores or other bureau scores are
used (as opposed to FICO), map the score to a FICO
equivalent and report that score.

Mandatory

FICO Score
Refresh Date

FicoScoreRefreshDa
te

The date the FICO score (or managed internal/other
bureau score) was last refreshed.

Mandatory

Date
YYYYMMDD

Behavioral Score

BehavioralScore

Report the current internal behavior score available
for the account in the reporting month. If no score
is available leave the field blank.

Optional

Description

Mandatory
or Optional

Format

Field Name

N: Numeric
C: Character
Date
YYYYMMDD

Field
No.

Field Name

Technical Field
Name

Description

Static or
Dynamic

Mandatory
or Optional

Format

Original Credit
Limit

OriginalCreditLimit

Report the amount of the credit line set by the card
issuer at origination. If unknown due to acquisition
or merger, report the credit line at acquisition.

Mandatory

N: Numeric
C: Character
N12.2

Current Credit
limit

CurrentCreditLimit

At the reporting month's end. Report the maximum
dollar amount that may be borrowed on the
account during the reporting month. If no credit
limit, report the purchase or shadow limit.

Mandatory

N12.2

Current Cash
Advance Limit

CurrentCashAdvanc
eLimit

At the reporting month's end. Report the maximum
cash advance amount available to the borrower.

Mandatory

N12.2

Line Frozen in the
current month

LineFrozenFlag

Report whether the account's credit line is
involuntarily frozen and authorizations are
prohibited on the account in the current reporting
month.

Mandatory

1 = Yes
0 = No

Line Increase or
Decrease in the
current month

LineIncreaseDecrea
seFlag

Report whether the account remains open but the
credit line has been increased or reduced in the
current reporting month.
2 = Increase
1 = Decrease
0 = No change

Field
No.

Field Name

Technical Field
Name

Description

Static or
Dynamic

Mandatory
or Optional

Format

Minimum
Payment Due

MinimumPaymentD
ue

Report the current minimum dollar amount due
that will make the account roll into the first
delinquency bucket if not paid. Use the most
recent cycle date of the current reporting month.
This is generally referred to as minimum payment
due on cardholder's statement.

Mandatory

N: Numeric
C: Character
N12.2

Total Payment
Due

TotalPaymentDue

Report the dollar amount of the total payment due
for the cycle ending in the current reporting month.
This generally includes current minimum due, past
due payments and any amount reported as over the
credit limit.

Mandatory

N12.2

Next Payment
Due Date

NextPaymentDueD
ate

Report the date the cardholder is told a payment
must reach the bank for the cycle in the current
reporting month to keep the account in a current
status.

Optional

Date
YYYYMMDD

Actual Payment
Amount

ActualPaymentAmo
unt

Report the dollar amount of all payments received
during the current month’s cycle. Aggregate
multiple payments. Report net of checks returned
for non-sufficient funds, account closed, etc. (even
if related to prior cycles). If a statement was not
generated or a payment was not made, report as
zero.

Mandatory

N12.2

Total Past Due

TotalPastDue

Report the dollar amount of delinquent balances at
the end of the current month’s cycle.

Mandatory

N12.2

Field
No.

Field Name

Technical Field
Name

Description

Static or
Dynamic

Mandatory
or Optional

Format

Days Past Due

DaysPastDue

Report the actual number of days the account is
past due as of the current reporting month's cycle
date. If cycle ending information is not available,
report information at the month-end reporting
date.

Mandatory

N: Numeric
C: Character
N3

Account 60 Plus
DPD Last Three
Years Flag

Account60PlusDPDL
astThreeYearsFlag

Identify if an account was ever 60+ Days Past Due in
the last 3 years.

Mandatory

Interest Type in
current month

InterestType

Mandatory

1 = Yes
0 = No
Report whether the Purchase (not promotional)
APR is fixed or variable rate. If the account is in
temporary workout program, report pre-workout
terms. If the account is in permanent workout
program, report the workout terms.
1 = Fixed - accounts where the purchase (not
promotional) APR is fixed.
2 = Variable - loans where the purchase APR rate
fluctuates based on a spread to an index.
Report accounts as variable even if there is a
temporary initial fixed period. Include as
variable even if the APR is at its floor or cap.

Field
No.

Field Name

Technical Field
Name

Description

Static or
Dynamic

Mandatory
or Optional

Format

APR at Cycle End

CycleEndingRetailA
PR

Report the purchase APR unless the account is in
default or workout. If the account is in default then
report the default APR. If the account is in a
workout program (temporary or permanent), report
the workout APR.

Mandatory

N: Numeric
C: Character
N6.3

FeeType

FeeTypeFlag

Indicate if Monthly or Annual Fee is assessed for the
privilege of holding the credit card.

Mandatory

0 = No fee
1 = Annual
2 = Monthly
3 = Other

Account Status Active

ActiveFlag

Indicate if the account has had any debit, credit, or
balance activity in the last twelve months.
1 = Yes
0 = No

Month-end
Account Status Closed

MonthEndClosedRe
vokedFlag

Indicate if in the current reporting month the
account is closed or revoked and has no further
charging privileges. Include accounts in default, in
credit management programs and expired
accounts.
0 = No.
1 = Yes, at the request of the borrower.
2 = Yes, not at the request of the borrower.
3 = Yes, borrower deceased.

Field
No.

Static or
Dynamic

Technical Field
Name

Collection Re-age
Date

CollectionReageDat
e

Report the date of the last account re-age
performed by the collections department, or in
relation to any performance-related delinquency.

mandatory

Charge-off Reason

ChargeOffReasonCo
de

Identify the reason for charge-off and loss
recognition on an account. Do not include chargeoffs related to fraud.

mandatory

N12.2

Description

Mandatory
or Optional

Format

Field Name

N: Numeric
C: Character
Date
YYYYMMDD

1 = Contractual - losses incurred as a result of
borrower's inability to make full repayment
under the contractual terms of the account.
2 = Bankruptcy - losses incurred as a result of
borrower's bankruptcy proceedings.
3 = Deceased - losses incurred as a result of death
of account holder.
4 = Other - any other known reason. Do not include
charge-offs related to fraud.
5 = Charge-off Reason Unknown - any other chargeoff, reason unknown. Do not include charge-offs
related to fraud.

Gross Charge-off
Amount – Current
Month

GrossChargeOffInC
urrentMonthAmou
nt

Report the total amount of gross charge-offs on the
account during the reporting month. Record all
charges against the Allowance for Loan and Lease
Losses (ALLL), using the FFIEC Call Report
Instructions as guidance.
Value will only be populated in month charged off.

Field
No.

Field Name

Technical Field
Name

Description

Static or
Dynamic

Mandatory
or Optional

Format

Recovery Amount
– Current Month

RecoveryAmount

Report the dollar amount of any balance recovery
from a previously charged-off account collected
during the month.

mandatory

N: Numeric
C: Character
N12.2

Purchase Amount

PurchaseVolume

Report the net purchase dollar volume during the
current month’s cycle

optional

N12.2

Cash Advance
Amount

CashAdvanceVolum
e

Report the net cash advance dollar volume during
the current month’s cycle

optional

N12.2

Balance Transfer
Amount

BalanceTransferVol
ume

Report the balance transfer dollar volume during
the current month’s cycle.

optional

N12.2

Convenience
Check amount

ConvenienceCheck
Amount

Report the Convenience Check dollar volume during
the current month’s cycle.

optional

N12.2

Account Sold Flag

AccountSoldFlag

Identify accounts that have been sold during the
current month. Identifier should persist while the
account is reported.

mandatory

1 = Yes
0 = No

Field
No.
69

Field Name
Bankruptcy Flag

Technical Field
Name
BankruptcyFlag

Description
Identify if borrower has filed for bankruptcy and
bankruptcy process is ongoing, or has filed for
bankruptcy and has completed the bankruptcy
process. Identifier should persist while the account
is reported.

Static or
Dynamic

Mandatory
or Optional

Format

mandatory

N: Numeric
C: Character
N1

mandatory

Optional

N6.5

Optional

N6.5

1 = Yes
0 = No

Loss sharing

LossShare

Basel II - PD

Basel2PD

Basel II - LGD

Basel2LGD

Identify accounts that are part of a loss sharing
agreement.
1 = Yes
0 = No
Any contractual loss sharing agreement with a third
party in which the BHC will mitigate some or all of
its financial loss exposure should be reported as
loss sharing.
Report the Basel II Probability of Default for the
account. More specifically, report the PD associated
to the account’s corresponding Basel II segment.
Example, a one in ten probability of default should
be reported as 0.1.
Report the Basel II Loss Given Default for the
account. More specifically, report the LGD
associated to the account’s corresponding Basel II
segment. Example, a ninety percent loss given
default should be reported as 0.9.

Field
No.

Field Name

Technical Field
Name

Description

Static or
Dynamic

Mandatory
or Optional

Format

Basel II - ELGD

Basel2ELGD

Report the Basel II Expected Loss Given Default
parameter for the account. More specifically, report
the ELGD associated to the account’s corresponding
Basel II segment. For example, a ninety percent
expected loss given default should be reported as
0.9.

Optional

N: Numeric
C: Character
N6.5

Basel II - EAD

Basel2EAD

Report the Basel II $ Exposure at Default for the
account. More specifically, report the EAD
associated to the account’s corresponding Basel II
segment. In particular, for open-ended exposures
assign to all the accounts in a particular Basel II
segment the corresponding LEQ, CCF, or related
parameters, associated with that segment. After
the corresponding parameter is assigned to each
account, calculate the account EAD and report this
as the variable value.

Optional

N12.2

Basel II – EAD id
segment

Basel2EADid

Report the unique Basel II EAD segment Id identifier
- A unique number identifying the Basel II EAD
segment where the loan record resides in the
current month.

Optional

2. Portfolio Level

Field No.

Field Name

Technical
Field Name

Description

Static or
Dynamic

Mandatory
or Optional

Format

N: Numeric
C: Character
C18

BankId

BankId (PK)

Identifies the bank. This should be the RSSD ID of the BHC.

mandatory

PeriodId

PeriodId (PK)

mandatory

Date
YYYYMMDD

Credit Card
Type

CreditCardTy
pe (PK)

Identifies the reporting period. Reporting period is the
period (month) over which account metrics are reported.
Reporting periods are always referred to by the last day of
the reporting month, for example 20111231, 20120331,
etc.
Report portfolio level information in one of the following
categories:

mandatory

1 = General Purpose - can be used at a wide variety of
merchants, including any who accept MasterCard, Visa,
American Express or Discover credit cards. Include
affinity, co-brand cards in this category, and student
card if applicable.
2 = Private Label - also known as Proprietary Credit Cards,
are tied to the retailer issuing the card and can only be
used in that retailer's stores. Include oil & gas cards in
this loan type, and student cards if applicable.
3 = Business Card - Include small business credit card
accounts where the loan is underwritten with the sole
proprietor or primary business owner as applicant.
Report at the control account level or the individual pay
level (not at the sub-account level).
4 = Corporate Card -Employer-sponsored credit cards for
use by a company's employees.

Field No.
4

Field Name
Lending Type

Technical
Field Name
LendingType
(PK)

Description
Report portfolio level information in one of the following
categories:
1 = Consumer Bank Card - Regular general purpose credit
cards that can be used at a wide variety of merchants,
including any who accept MasterCard, Visa, American
Express or Discover credit cards. Include affinity and cobrand cards in this category, and student cards if
applicable. This product type also includes private label
or propriety credit cards, which are tied to the retailer
issuing the card and can only be used in that retailer’s
stores. Include oil & gas cards in this loan type, and
student cards if applicable.
2 = Consumer Charge Card - Consumer credit cards for
which the balance is repaid in full in each billing cycle.
3 = Non Consumer Card - Include small business credit card
accounts where the loan is underwritten with the sole
proprietor or primary business owner as applicant. Also
report Corporate Card Employer-sponsored credit cards
for use by a company's employees.
4 = Non Consumer Charge Card – Small business credit
card or corporate credit card for which the balance is
repaid in full in each billing cycle.

Static or
Dynamic

Mandatory
or Optional

mandatory

Format

N: Numeric
C: Character
N1

Static or
Dynamic

Mandatory
or Optional

Include the amount of all outstanding credit card
receivables, bank owned and securitized, to individuals for
household, family and other personal expenditures arising
from General Purpose or Private Label Credit Cards. For
Business Cards, this would be the amount outstanding to
individuals, bank owned and securitized, for business
purposes. For Corporate Cards this will be the amount
outstanding on Employer-sponsored credit cards, bank
owned and securitized, for use by a company's employees.

mandatory

N: Numeric
C: Character
N12.4

MonthEndBo
okReceivable
s

Include the amount of outstanding credit card receivables,
bank owned only (not securitized, not serviced for others),
to individuals for household, family and other personal
expenditures arising from charges on General Purpose or
Private Label Credit Cards. For Business Cards, this would
be the amount of extensions of credit to individuals for
business purposes. For Corporate Cards this will be the
amount outstanding on Employer-sponsored credit cards
for use by a company's employees.

mandatory

N12.4

Number of
Accounts

NumberAcco
unt

Report in millions the total number of non-charge-off
accounts as of the reporting month.

mandatory

N12.2

Total Number
of New
Accounts
ALLL
Managed
Balance

NumberNew
Accounts

Report in thousands total number of new accounts
originated in the reporting month.

mandatory

N12.2

ALLLManage
dBalance

Amount of the ALLL assigned to the managed credit card
portfolio at the end of the month; include reserves
maintained for securitized assets, if any.

mandatory

N12.4

Field Name

Technical
Field Name

End of Month
Managed
Receivables

MonthEndMa
nagedReceiva
bles

End of Month
Book
Receivables

7
8

Field No.

Description

Format

Field No.

Field Name

Technical
Field Name

Description

Static or
Dynamic

Mandatory
or Optional

Format

ALLL Booked
Balance

ALLLBookedB
alance

Amount of the ALLL assigned to the bank-owned credit
card portfolio at the end of the month.

mandatory

N: Numeric
C: Character
N12.4

Projected
Managed
Losses

ProjectedMa
nagedLosses

Report the estimated dollar amount of losses for the next
12 months (rolling basis each reporting month) for the
entire managed portfolio.

mandatory

N12.4

Projected
Booked
Losses
Managed
Gross Chargeoffs for the
current
month

ProjectedBan
kownedLosse
s
ManagedGro
ssChargeOffs

Report the estimated dollar amount of losses for the next
12 months (rolling basis each reporting month) for the
bank-owned portfolio only.
Report the dollar amount of gross charge-offs recognized
in the reporting month for the entire managed portfolio
(including, the total amount of any write-downs, fee
waivers or reversal of loan interest and fees on the credit
card receivables).

mandatory

N12.4

mandatory

N12.4

Booked Gross
Charge-offs
for the
current
month

OnBalanceSh
eetGrossChar
geOffs

Report the dollar amount of gross charge-offs recognized
in reporting month for bank-owned receivables.
(Including, the total amount of any write-downs, fee
waivers or reversal of loan interest and fees on the credit
card receivables).

mandatory

N12.4

Managed
Bankruptcy
Charge-off
Amount for
Current
Month

ManagedBan
kruptcyCharg
eOffAmount

Report the dollar amount of gross charge-offs recognized
in the reporting month that was due to bankruptcy for the
entire managed portfolio.

mandatory

N12.4

Field No.

Field Name

Technical
Field Name

Description

Static or
Dynamic

Mandatory
or Optional

Format

Booked
Bankruptcy
Charge-off
Amount for
Current
Month
Managed
Recoveries

OnBookBankr
uptcyCharge
OffAmount

Report the dollar amount of gross charge-offs recognized
in the reporting month that was due to bankruptcy for
bank owned receivables.

mandatory

N: Numeric
C: Character
N12.4

ManagedRec
overies

Report amounts recovered on credit card loans previously
charged-off for the entire managed portfolio in the current
reporting month.

mandatory

N12.4

Booked
Recoveries

BookedRecov
eries

Report all recoveries for prior charge-offs on bank-owned
receivables, recognized through the ALLL, in the current
reporting month.

mandatory

N12.4

Managed
Principal
Recovery
Amount
Managed
Interest and
Fees
Recovery
Amount
Booked
Principal
Recovery
Amount

ManagedPrin
cipalRecovery
Amount

Report amounts recovered attributed as principal recovery
on credit card loans previously charged-off for the entire
managed portfolio in the current reporting month.

mandatory

N12.4

ManagedInte
restRecovery
Amount

Report amounts recovered attributed as any Interest and
Fees recovery on credit card loans previously charged-off
for the entire managed portfolio in the current reporting
month.

mandatory

N12.4

BookedPrinci
palRecoveryA
mount

Report amounts recovered attributed as principal recovery
on credit card loans previously charged-off for the entire
booked portfolio in the current reporting month.

mandatory

N12.4

Field No.
22

24
25
26

Field Name

Technical
Field Name

Description

Static or
Dynamic

Mandatory
or Optional

Format

Booked
Interest and
Fees
Recovery
Amount
Interest and
Fees Chargeoff/Reversal
Amount

BookedIntere
stRecoveryA
mount

Report amounts recovered attributed as any Interest and
Fees recovery on credit card loans previously charged-off
for the entire booked portfolio in the current reporting
month.

mandatory

N: Numeric
C: Character
N12.4

InterestAndF
eeChargeOff
Amount

Report the total amount of any write-downs, fee waivers
or reversal of loan interest and fees on the credit card
receivables during the reporting month. Interest and fee
reversals, waivers or write-downs can include those
charged against the Allowance for Loan and Lease Losses
(ALLL), or a separate valuation reserve, or reversed against
current period income during the reporting period.

mandatory

N12.4

Loan Loss
Provision
Expense
Loan Loss
Provision
Taken
Loan Loss
Provision
Build

LoanLossProv
isionExpense

Report Loan Loss Provision Expense.

mandatory

N12.4

ProvisionExp
enseTaken

Report Provision expense taken during the month.

mandatory

N12.4

ProvisionExp
enseBuild

Report additional provision built up during the month.
Provision build equals: provision expense + recoveries charge-offs against the ALLL.

mandatory

N12.4

Extraordinary
Items

ExtraOrdinary
Items

Report extraordinary items, which are categorized as
material and infrequent, such as gains and/or losses on the
sale of credit card portfolios during the month.

mandatory

N12.4

File Type	application/pdf
Author	Christopher Hays
File Modified	2012-09-28
File Created	2012-09-28