Form FR Y-14M FR Y-14M FR Y-14M: Domestic Home Equity Loan and Home Equity Line

Contact Information Workbook
FR Y‐14M
Institution Name:
RSSD ID: 
Submission Date (MM/DD/YYYY):

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2
3
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FR Y‐14M Schedule
Address Matching
First Mortgage
Home Equity
Credit Card 

Last Name

First Name

Title

Email

Phone 

Fax

OMB No. 7100-0341
Expiration Date: December 31, 2014

General Instructions for the Reporting of the
Capital Assessments and Stress Testing information collection
(FR Y-14Q/M)

This Report is required by law: section 165 of the Dodd-Frank Act (12 U.S.C. § 5365) and section 5 of the Bank
Holding Company Act (12 U.S.C. § 1844). Public reporting burden for quarterly schedules in this information
collection is estimated to vary from 8 to 1,720 hours per response, with certain schedules only reported by
respondents that meet certain materiality thresholds. Public reporting burden for monthly information collection
is estimated to 430 hours per response. These estimates include time to gather and maintain data in the required
form and to review instructions and complete the information collection. Comments regarding this burden
estimate or any other aspect of this information collection, including suggestions for reducing the burden, may be
sent to Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC
20551, and to the Office of Management and Budget, Paperwork Reduction Project (7100-0341), Washington, DC
20503.

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General Instructions for Preparation of the Quarterly
Capital Assessments and Stress Testing Reports
FR Y-14Q/M
The FR Y-14Q/M reports collects detailed data on bank holding companies’ various asset
classes and categories of pre-provision net revenue (PPNR) on a quarterly/monthly basis, which
will be used to support supervisory stress testing models and for continuous monitoring efforts.
The FR Y-14Q/M reports includes data schedules for Securities Risk; Retail Risk; PPNR; Wholesale
Risk; Trading, Private Equity, and Other Fair Value Assets (Trading); Basel III and
Dodd-Frank (Basel III); and Regulatory Capital Instruments. All of the data schedules, other
than the Basel III schedule and Regulatory Capital Instruments schedules are to be submitted
each reporting period. The Basel III and Regulatory Capital Instruments data schedules are to
be submitted for all quarters, except for the third quarter.
(1) Who Must Report
(i) Reporting Criteria
a. Large BHCs that meet an annual threshold of $50 billion or more in total
consolidated assets, as defined by the capital plan rule (12 CFR 225.8), are required
to submit the Capital Assessment and Stress Testing report to the Federal Reserve.
The capital plan rule defines total consolidated assets as the average of the
company’s total consolidated assets over the course of the previous four calendar
quarters, as reflected on the BHC’s consolidated financial statement for bank
holding companies (FR Y–9C). The calculation shall be effective as of the due date of
the bank holding company’s most recent FR Y–9C.
b. The specific reporting requirements for each bank holding company depend upon
the size of the holding company and the level of activity in certain risk types. The
number of schedules each bank holding company is required to complete is subject
to materiality threshold.
1) PPNR schedule, Basel III schedule, and Regulatory Capital Instruments
schedule: All bank holding companies must submit these schedules.
2) Trading schedule: Only BHCs with greater than $500 billion in total consolidated
assets who are subject to the amended market risk rule (12 CFR Parts 208,
Appendix, E and 225, Appendix E) must submit this schedule and worksheets.
3) All other quarterly and monthly schedules: The remaining schedules are subject
to materiality thresholds. Material portfolios are defined as those with asset
balances greater than $5 billion or asset balances greater than 5 percent of Tier 1
capital on average for the four quarters preceding the reporting quarter. For
schedules that require the institutions to report information on serviced
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loans, the materiality threshold is based on the asset balances associated with
the BHC’s owned portfolio. All data used to determine materiality should be
measured as of the close of business of the last calendar day of the quarter, and
assets included in a given portfolio are defined in the instructions for each
schedule. BHCs will have an option to complete the data schedules for
immaterial portfolios. If the BHCs do not complete the schedules, the Federal
Reserve will assign losses to immaterial portfolios in a manner consistent with
the given scenario to produce supervisory estimates.
c. New reporters must submit the FR Y-14Q PPNR new reporters template with data
starting as-of 2009 on the first quarter that they are subject to reporting. New
reporters must also submit historical data, starting in January 2007, for the FR Y-14Q
retail schedules.
(ii) Exemptions
a. Only bank holding companies that did not meet the reporting criteria listed in
paragraph one above are exempt from reporting.
(2) Where to Submit the Reports
(i) All bank holding companies subject to these reporting requirements must submit their
completed reports electronically. Bank holding companies will be provided information
on how to transmit data directly to the Federal Reserve or to the Federal Reserve
through data aggregators.
(3) When to Submit the Reports
(i) Bank holding companies must file the Capital Assessment and Stress Testing schedules
(FR Y-14Q/M) on the appropriate time schedules as described below:
a. Bank holding companies must submit data associated with quarterly data schedules
on the same time schedule as the FR Y-9C reported data (40 calendar days after the
calendar quarter-end for March, June, and September and 45 calendar days after
the calendar quarter-end for December, unless that day falls on a weekend or
holiday (subject to timely filing provisions)).
b. Bank holding companies must submit data associated with the monthly data
schedules by the 30th calendar day after the last business day of the preceding
calendar month.
c. Beginning in 2012, the quarterly Trading schedule as-of-date for the first, second,
and fourth quarters would be the same as the as-of dates for the other reported
schedules. For the 3rd quarter, the BHCs will be required to report data as part of a
market shock exercise. 1 Due to the nature of this exercise, the Federal Reserve will
1

See, for example, 18 U.S.C. 1005

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communicate to the appropriate bank holding companies the specific as-of date for
trading data in the fourth quarter, but no later than December 1st. The data would
be due 40 calendar days after the notification date (notifying respondents of the asof-date) or, for the 3rd quarter data, December 15th, whichever comes earlier. BHCs
may provide these data as-of the most recent date that corresponds to their weekly
internal risk reporting cycle as long as it falls before the as-of-date. In addition, for
BHCs that are required to re-submit a capital plan, the due date for the quarter preceding the quarter in which the BHCs are required to re-submit a capital plan would
be the later of (1) the normal due date or (2) the date that the re-submitted capital
plan is due, including any extensions.
d. General Timing: If the submission date falls on a weekend or holiday, the data must
be received on the first business day after the weekend or holiday. No other
extensions of time for submitting reports will be granted. The data are due by the
end of the reporting day on the submission date. Earlier submission aids the Federal
Reserve in reviewing and processing the data and is encouraged.
(ii) New reporters: For the Y–14Q schedules, the filing deadline will be extended to (1) 90
days after the quarter-end for the first two quarterly submissions and (2) 65 days after
the quarter-end for the third and fourth quarterly submissions. Beginning with the fifth
quarterly submission, these respondents will be required to adhere to the standard
reporting deadlines above. For the Y–14M schedules, the initial deadline will be 90 days
after the end of the reporting month, at which time data for all three intervening
months would be due. For example, a new respondent for the September 30 reporting
period will be expected to submit data corresponding to the September 30, October 31,
and November 30 reporting periods by December 31.

(4) How to Prepare the Reports
(i) Applicability of GAAP, Consolidation Rules, and Other Instructional Guidance
a. Bank holding companies are required to prepare and file the FR Y-14Q/M schedules
in accordance with generally accepted accounting principles (GAAP) and these
instructions. The financial records of the bank holding companies should be
maintained in such a manner and scope so as to ensure the FR Y-14Q/M can be
prepared and filed in accordance with these instructions and reflect a fair
presentation of bank holding companies' financial condition and assessment of their
performance under stressed scenarios.

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b. Rules of Consolidation: Please see the FR Y-9C General Instructions for a discussion
of the rules of consolidation.
c. Bank holding companies should look to the following published documents (in the
order listed below) when determining the precise definition to be used in
completing the schedules:
• The FR Y-14Q/M instructions.
• The latest available FR Y-9C instructions published on the Federal Reserve’s
public web site: http://www.federalreserve.gov/reportforms.
(ii) Confidentiality. As these data will be collected as part of the supervisory process, they
are subject to confidential treatment under exemption 8 of the Freedom of Information
Act. 5 U.S.C. 552(b)(8). In addition, commercial and financial information contained in
these information collections may be exempt from disclosure under Exemption 4. 5
U.S.C. 552(b)(4). Disclosure determinations would be made on a case-by-case basis.
(iii) Amended Reports
a. The Federal Reserve will require the filing of amended reports if reports as
previously submitted contain significant errors. In addition, a reporting institution
must file an amended report when it or the Federal Reserve discovers significant
errors or omissions subsequent to submission of a report. Failure to file amended
reports on a timely basis may subject the institution to supervisory action.
(iv) Legal Considerations for International Exposures
a. A BHC is not required to report a particular data item if a foreign law prohibits the
BHC from providing the information to the Federal Reserve. However, the Federal
Reserve is authorized by law to collect information from a BHC regarding its
exposures, including foreign exposures.3 A BHC must include with its data
submission a legal analysis of the foreign law that prohibits reporting the data to the
Federal Reserve.
• The legal analysis must include, but is not limited to, a detailed description and
analysis of the law(s) prohibiting the reporting of the information to the Federal
Reserve, a summary description of the exposures omitted, any other information
the BHC deems relevant to justify omitting the data from the report, and any
additional information required by the Federal Reserve.
(v) Questions and requests for interpretations. Bank holding companies should submit
any questions or requests for interpretations by email to [email protected].

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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014

FR Y-14M: Domestic Home Equity Loan and Home Equity Line
Data Dictionary
Loan Population


The active loan population includes all loans/lines directly held on the BHC’s portfolio and all loans serviced by
the BHC in that period.
o Portfolio loans/lines are defined as all loans meeting the definition of FR Y-9C, Schedule HC-C, items
1.c.(1) (revolving, open-end loan secured by 1-4 family residential properties and extended lines of
credit) and 1.c.(2)(b) (junior lien closed-end loans secured by 1-4 family residential real estate) shall be
reported.
o Serviced loans/lines include those meeting the definition of loans reported in FR Y-9C, Schedule HC-S,
Item 1.(column B), Schedule HC-C, Item 1.c.(1) shall be reported, and home equity loans/lines meeting
the definitions of Schedule HC-S, Item M.2.d.
o Also include all loans/lines meeting the definition of trading assets reported on FR Y-9C, Schedule HC-D.



In addition to loans that are currently active during the reporting period, the following loans should also be
included:
o All inventory that has been transferred to another servicer, but only if transferred during the reporting
month.
o All inventory that was liquidated, but only if liquidated during the reporting month.



Starting with the March 2013 data submission, BHCs are required to continue reporting data on loans which
become Real Estate Owned (REO). If a loan is submitted under the FR Y-14M First Lien data schedule through a
certain period and becomes an REO, then this loan will be reported through the time the loan terminates as a
REO sale or otherwise. BHCs are required to report all REO loans – either serviced by them or sub-serviced by
other institutions on their behalf. Report all loans that are reported under Y-9C, Schedule HC-M Item 6.b.(3).
o



Please note that BHCs will continue to report data on the loans which become REO loans using the same
consistent loan number throughout the history of the loan. Please ensure that the loan numbers once
assigned to a loan is not changed as a result of sub servicing or any related aspects.

We require that a loan number uniquely identify a loan through its entire life. If a BHC is also submitting data to
the OCC as part of the OCC Mortgage Metrics Data or OCC Home Equity Data, it is required that the BHC use the
same loan number for the FR Y-14M data schedules for all loans that are being reported for the first time in the
current reporting period. In the case that a BHC has been submitting different loan numbers for the same loan in
the FR Y-14M collection versus OCC data collection, the BHC should continue reporting using the same loan
numbers as they have been submitting for the FR Y-14M submissions. There may be instances where the FR Y14M data population includes additional loans which are not part of the OCC data sample, and for such loans a
unique loan number should be reported. Overall, the data file sent by a BHC should have unique loan numbers
across the entire submission.

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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Additional Formatting
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The collection includes both loan/line level and portfolio level variables.
The institutions should provide the loan/line level data each month in a single text file. This will be a “monthend” 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/line in the contributor’s inventory.
Institutions should provide a separate text file for the portfolio level variables. 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 portfolio segment. Portfolio segments are defined as:
1. Serviced – All serviced loans/lines
2. Portfolio HFI Purchased Impaired – All portfolio loans/lines held for investment and accounted for
in accordance with ASC subtopic 310-30; loans/lines and debt securities acquired with deteriorated
credit quality (formerly AICPA statement of position 03-3, accounting for certain loans/lines or debt
securities acquired in a transfer).
3. Portfolio HFI FVO / HFS – All portfolio loans/lines held for investment measured at fair value under
a fair value option or held for sale.
4. Other Portfolio – All portfolio loans/lines not measured at fair value and not purchase impaired
Options for all fields are comprehensive in identifying a valid value for all loans regardless of status. If a
mandatory field is unknown or unavailable and the field definition does not indicate ‘Unknown’ as a valid
field option, the field should be left NULL and it will be treated as missing data.
For any field with a format of ‘character’, please provide the code values as listed in the data dictionary. Do not
add a leading or trailing zero or any other character to the data unless specified. It is required that the data
formats and code values as listed in this document be strictly followed.
o Example: A variable listed as Character(2) with a data value of 1 will be made available with a value of 1.
It will not be coded as 01 or or <1space> or any other combination. Optional and best efforts
fields are noted in the instructions in the table below.
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 paidin-full by borrower) before the beginning of the reporting month should not be included. REO loans as described
above will now be included in the data. This holds even if the REO loans were transferred to another servicer.
The tables on the following pages give more information the fields that should be contained in each of the files.

File Naming Convention:
BHCs must use the following naming convention when submitting data files to the data aggregator.
FRY14_HOMEEQUITY_LOANLEVEL___.TXT
FRY14_HOMEEQUITY_PORTFOLIOLEVEL___.TXT

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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
SUBMISSION_NUMBER will be used to track revisions and resubmissions of this schedule. It must be populated as a
two-digit number. For example, the first submission for a given period would have a submission number of ‘01.’ If the
BHC 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 pipe‐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 Home Equity Loan level data file submitted for period 201206, the
file would be named as FRY14_HOMEEQUITY_LOANLEVEL_999999_201206_01.TXT. Any subsequent revised Home
Equity Loan level file submitted by the institution for the same period will be named as
FRY14_HOMEEQUITY_LOANLEVEL_999999_201206_02.TXT, and so on.

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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Loan / Line Level Table
Field
No.

1

Name

Detailed Description

Allowed Values

Format

Loan Number

An identifier for this loan that will be the same
from month to month. It must identify the loan
for its entire life and must be unique (piggy-backs
should be separated).

A contributor-defined
alpha-numeric value up
to 32 characters.
Please refer to
additional details listed
on Page 1 of the
document.

Character (32)

If the BHC is already submitting data to the OCC
as part of the OCC Mortgage Metrics Data or OCC
Home Equity Data, it is required that the BHC use
the same loan number for the FR Y‐14M data
schedules. However, if a BHC has already been
submitting different loan numbers for the same
loan for the FR Y-14M and the OCC collections,
the BHC should continue submitting the same
loan number it has been using for the FR Y-14M.
Please note that the FR Y‐14M data population
may include additional loans, which may not be
part of the OCC data sample, and for such loans
the general requirements listed in the schedule
instructions will be applicable. Overall, the entire
data file sent by a BHC should have unique loan
numbers across the entire submission.
2

Loan Closing Date

Loan Closing Date – The date the loan originally
closed. Will use this date to determine the loan’s
vintage.

YYYYMMDD

YYYYMMDD

3

First Payment Date

First Payment Date - The date the borrower was
scheduled to make the first payment on the loan,
or first started making payments on the loan. For
lines with a zero balance and no draws, this field
should be left blank.

YYYYMMDD

YYYYMMDD

4

Property State

Property State – The state in which the property
is located. Please be sure to provide the state
where the property is located and not the billing
address as the two may differ for non-Owner
Occupied properties and second/vacation homes.

Two-letter postal codes
for the state

Character(2)

5

Property ZIP Code

Property Zip - Five-digit ZIP code. Be sure to
provide the property ZIP code (not the billing
address).

Five-digit number.
Include leading zeroes,
e.g.:
00901, 10101

Character(5)

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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

6

Name

Detailed Description

Allowed Values

Format

Original Loan
Amount

Original Loan Amount - The dollar amount of the
funds disbursed to the borrower at the time of
loan closing.

e.g. 125000 for
$125,000.00

Whole
Number

e.g. 125000 for
$125,000.00
Use banker’s rounding.

Whole
Number

e.g. 125000 for
$125,000.00

Whole
Number

Provide as a decimal.
E.g.:
0.8 for 80%
1.05 for 105%
Please populate with
NULL if unavailable

Numeric, to 2
decimals.
Please see
"Allowed
Values"

Income Documentation
Coding
1 Full
2 Alt/Low –Lender
3 Alt/Low – Borrower
4 Alt/Low - Unknown

Character (1)

Amount of loan rounded to the nearest whole
dollar.
Report the dollar amount of the funds disbursed
to the borrower at the time of loan closing. This
data should be available either in BHCs' loan
origination systems or loan servicing systems, and
must be populated.
7

Original Loan / Line
Commitment

Original Loan / Line Commitment- The total credit
line available at origination (i.e., the total
commitment), not the actual amount drawn
(amount drawn is reported in Field #6). For lines
with a zero balance and no draws, report ‘0’ for
this item.
Note: For HELOANSs, fields #6 and #7 will be the
same value.

8

Original Property
Value

Original Property Value – The property value in
dollars at the time the loan was originated,
defined as the lesser of selling price or the
appraised value of the property securing the loan
at origination.
This field may be provided on a best efforts basis
for loans serviced for others and loans acquired
through mergers and acquisitions.

9

10

Original Combined
LTV

Income
Documentation

Original Combined LTV – The original combined
loan-to-value (LTV) ratio is the original amount of
the home equity loan (or credit line), in addition
to any senior liens, divided by the property value
at the time of loan origination.
The committed loan amount (considering all
senior liens and the subject loan) divided by the
property value at the time of the HE origination.
Describes how the borrower’s income levels were
documented at time of origination.
• Full – The borrower provided full verification of
income levels via W2, pay stubs, tax returns, etc.;
assets were verified; and other underwriting

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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

criteria were documented.

5 Stated – Lender
6 Stated – Borrower
7 Stated – Unknown

• Alt / Low - The mortgages qualified and
underwritten under lender programs designed
without requiring verification of employment,
assets, mortgage/rental history and/or DTI of the
borrower. This categorization applies to any
combination of the aforementioned limited
documentation standards, excluding Stated
Income programs.

Format

• Stated - Stated Income includes all mortgages
where the borrower was qualified for approval
based on representation of income, without
direct verification of either the source or amount
of said income by the lender. Assets were not
verified.
Note:
The “Alt/Low - Lender” or "Stated - Lender"
categories should be used for those situations in
which the BHC’s automated underwriting system
suggested to a particular customer a low/no doc
or stated income loan.
“Alt/Low - Borrower” or "Stated - Borrower"
refers to situations in which a borrower
him/herself requested a low/no doc loan or a
broker suggested one.
We do request you to sub‐classify. If you do not
know how to sub-classify them, report using the
"7 Stated Unknown" or “4 Alt/Low – Unknown”
option, as appropriate.
This field may be provided on a best efforts basis
for loans serviced for others and loans acquired
through mergers and acquisitions.
11

Debt to Income
(DTI) Back-End at
Origination

Debt to Income (DTI) - The total monthly liabilities
of the borrower, including the debt on the subject
property, divided by the total monthly income of
the borrower(s).

Whole Number

Whole
Number

Note, both Field #11 (Debt to Income DTI –BackEnd) and Field #12 (Debt to Income DTI ‐ FrontEnd) should be provided as measured at

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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

Whole Number

Whole
Number

origination.

12

Debt to Income
(DTI) Front-End at
Origination

This field may be provided on a best efforts basis
for loans serviced for others and loans acquired
through mergers and acquisitions.
Debt to Income (DTI) - The monthly principal,
interest, tax, insurance (PITI) payment divided by
the borrower(s) gross monthly income.
Both Field #11 (Debt to Income DTI – Back-End)
and Field #12 (Debt to Income DTI ‐ Front-End)
should be provided as measured at origination.

13

Original FICO

FICO Score – original
The credit score of the borrower at origination
using the FICO scaling from 300 to 899.

Provide as a whole
number, e.g.:759

Whole
Number

The statistically calculated credit score of all
borrowers developed by the Fair Isaac
Corporation used to evaluate the
creditworthiness of the borrower. The FICO score
can be based on the credit bureau service the
institution uses as its source. Original FICO
reflects the score upon which the mortgage
underwriting decision was based.
14

Current FICO

Current FICO – The Current FICO reflects the
refreshed score based on the Fair Isaac
calculation.

Provide as a whole
number, e.g.: 723

Whole
Number

The most recently determined FICO score of the
borrower.
This field is optional for all loans.
15

Occupancy

Owner Occupancy Flag – Report all instances
where the borrower owns and occupies the
property securing the loan or line.
Note: Report the occupancy status at origination.

Occupancy Coding
1 = Primary
2 = Second Home
3 = Non Owner /
Investment
U = Unknown

Character(1)

16

Lien Position at
Origination

Lien Position at Origination – The position of this
loan relative to any additional liens on the
property.

1 = First lien
2 = Second lien
3 = Third lien or greater
U = Unknown

Character(1)

If there are no additional liens, loan is in first
position. If lien position is greater than 3, then

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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

1 = Home Equity Loan
2 = Home Equity Line of
Credit
3 = Other

Character(1)

1 = one unit
2 = two units
3 = three units
4 = four units
Y = Other
U = Unknown

Character(1)

1 = SFR
2 = Condo
3 = Co-Op
4 = 2-4 Units
5 = Townhouse
6 = PUD
7 = 5+Units
E = Commercial
F = Mixed Use
M = Manufactured
Housing
Z = Other
U = Unknown
1 = Fixed
2 = Variable

Character(1)

code as 3.

17

Home Equity Line
Type

Home Equity Line Type
• Home Equity Loan – Traditional fixed term
second mortgages with no draw feature
• Home Equity Line of Credit – The borrower may
access an available credit line through draw
features. Lines of credit balances may have fixed
term, locked or amortizing portions.

18

Number of Units

Number of units to the property – Provide the
number of units of the property. If the actual
number of units is not available for multi-family
properties please code this field with a U.
This field may be provided on a best efforts basis
for loans serviced for others, loans serviced by
others, and loans acquired through mergers and
acquisitions.

19

Property Type

Indicate the type of the property.

20

Interest Type at
Origination

Interest Type at Origination

Character(1)

• Fixed – Loans where the interest rate is fixed for
the entire term.
• Variable – Loans where the interest rate
fluctuates based on a spread to an index. Include
all variable rate loans regardless of whether there
is an initial fixed period.

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FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

21

Name

Detailed Description

Allowed Values

Format

Interest Only at
Origination

Interest Only at Origination – Indicates whether
the required minimum payment at origination
was equal to the interest due on the loan in the
reporting month.

Y=Yes
N=No
U=Unknown

Character(1)

N = Was not I/O in
reporting month
Y = Was I/O in reporting
month
U = Unknown

Character(1)

1 = Retail (Branch,
Internet)
2 = Wholesale
3 = Correspondent
4 = Servicing Rights
Purchased
5 = Bulk Purchased
6 = Wealth Management
/ Private Banking
U = Unknown

Character(1)

Indicates whether the loan required interest only
at origination. That is, at origination, was the
minimum monthly payment for the loan just
interest.
22

Interest Only in
Reporting Month

Interest Only in Reporting Month – Identifies
whether the minimum payment in the reporting
month represents only the interest due on the
loan.
Indicates whether the loan required interest only
for the reporting month. That is, at end-of-month
for the reporting month, was the minimum
monthly payment for the loan just interest.

23

Loan Source

Loan Source – Identifies the source by which the
servicer originated or otherwise acquired the
loan. At the servicer's discretion, acquired
servicing may be reported as retail, broker, or
correspondent originations to the extent the
information is available.
• Retail – Report all loans originated through the
reporting institution’s retail, including branch or
internet, production channel.
• Wholesale (Broker) - Report all loans originated
through the reporting institution's
wholesale/broker production channel. Report as
broker originated all third-party originated loans
where the bank cannot distinguish between
broker and correspondent originated.
• Correspondent - Loans acquired through the
reporting institution's correspondent production
channel. This includes all whole loans purchased
on a recurring basis (flow) from another
correspondent institution, eligible for
securitization into the secondary markets or
portfolio retention on the bank's balance sheet.
Report as broker originated all third-party
originated loans when the bank cannot
distinguish between broker and correspondent

Page 9 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

1 = Prime
2 = Alt-A
3 = Non-prime
4 = Government Owned

Character(1)

originated.
• Servicing Rights Purchased - Refers to a
separately negotiated purchase of mortgage
servicing rights (PMSR) from a third party. When
the servicer cannot distinguish between bulk
whole loan and bulk servicing acquisitions, the
servicer should report all of these acquisitions
consistently in the category that represents the
majority of the servicer's acquisitions. Note: This
reporting category applies exclusively to the
Servicing Portfolio.
• Bulk Purchase – Pools of whole loans purchased
from a third party originator either to securitize
or retain in the bank-owned portfolio.
Acquisitions for the Servicing Portfolio in this
manner are typically negotiated as one-time
transactions between a Mortgage Institution and
an independent third party originator (Mortgage
Company or Correspondent). Report all bulk
acquisitions and correspondent flow acquisitions
as correspondent originated when the institution
cannot distinguish between these categories. Do
not label bank acquisitions as Bulk Purchases.
• Wealth Management/Private Banking – report
all loans originated through a servicer’s private
wealth management or private banking division.

24

Credit Class

Credit Class – Servicer defined Prime, Alt-A and
Non-prime designation.
Please note that this is a servicer defined field.
Note: Many government programs are
constructed outside the conventional market
where these definitions apply. For this reason, we
have added a new code value of '4' for
government loans, since they are difficult to
classify within these definitions.

Although the Credit Class fields in the FR Y-14M
First Lien and Home Equity schedules allow
servicer-defined categories of Prime, NonPrime and Alt-A mortgages, these definitions
should be consistent across time periods within
Page 10 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

1 = Securitized
2 = Portfolio
3 = Serviced For Others
4 = Other

Character(1)

Whole Number

Whole
Number

a single FR Y-14M submission and consistent
across multiple FR Y-14M submissions
submitted over time.
25

Loan / Line Owner

Loan / Line Owner – Identifies the investor of the
loan
• Securitized – Loans securitized by private or
public issuers.
• Portfolio – Loans owned and held on the bank’s
balance sheet. Include both Held for Sale or Held
for Investment in this category.
• Serviced For Others – Loans that are not
contained in securitizations and are owned by a
party other than the bank.

26

ARM Initial Rate
Period

ARM initial rate adjustment period (In months)
Initial fixed principal and interest payment period
in months for adjustable rate hybrid loans.

27

ARM Payment
Reset Frequency

Payment reset frequency for adjustable rate loans
in months.

Whole Number

Whole
Number

28

Allowable Draw
Period

Draw Period – For lines of credit only, the
duration in months (starting with the origination
date) during which the borrower has the ability to
make withdrawals against the credit line.
Important: Leave NULL for home equity loans.
Draw period expressed in months.
Note: Use a value of 999 if the borrower is always
allowed to draw on the account, as in the case of
“evergreen” accounts

1 – 480;
999

Whole
Number

29

Arm Index

The published financial index name used to
determine the interest rate.

07 = COSI - Cost of
Savings Index
10 = Tbill Unknown Type
11 = Tbill 3mo
12 = Tbill 6mo
13 = Tbill 1yr
14 = Tbill 3yr
15 = Tbill 5yr
1Z = Tbill Other
20 = COFI Unknown
Type
21 = COFI 11D

Character(2)

If a firm is using the Wall Street Journal prime
rate, the firm should use code ‘50’.

Page 11 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

22 = COFI NM
2Z = COFI Other
30 = LIBOR Unknown
Type
31 = LIBOR 3mo
32 = LIBOR 6mo
33 = LIBOR 1yr
3Z = LIBOR other
40 = FHLBB Ntl Mtg Rt
50 = Bank Prime Rate
60 = Certificate of
Deposit
70 = FNMA/FHLMC
80 = MTA(Moving
Treasury Avg)
81 = LAMA(LIBOR
Annual Moving Avg)
ZZ = Other
UU = Unknown
30

ARM Margin at
Origination

ARM margin
Represents margin for adjustable rate loans
Report the rate that is added to the index to
determine the monthly interest rate at
origination of the loan.

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Numeric, to 5
decimals.
Please see
"Allowed
Values"

31

ARM Periodic Rate
Cap

ARM Periodic Rate Cap
Periodic interest rate cap for adjustable rate loans
Absolute rate cap (not spread from original).

Provide as a fraction.
E.g.:

Numeric, to 5
decimals.
Please see
"Allowed
Values"
Numeric, to 5
decimals.
Please see
"Allowed
Values"

0.0175 for 1.75%
32

ARM Periodic Rate
Floor

ARM Periodic Rate Floor
Periodic interest rate floor for adjustable rate
loans.

Provide as a fraction.
E.g.:
0.0175 for 1.75%

Absolute rate floor (not spread from original)
33

ARM Lifetime Rate
Cap

ARM Lifetime Rate Cap
Represents lifetime interest rate for adjustable
rate mortgages. Absolute rate cap (not spread
from original)

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Numeric, to 5
decimals.
Please see
"Allowed
Values"

Page 12 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Name

Detailed Description

Allowed Values

Format

34

ARM Lifetime Rate
Floor

ARM Lifetime Rate Floor
Represents minimum lifetime interest rate for
adjustable rate mortgages. Absolute rate floor
(not spread from original)

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Numeric, to 5
decimals.
Please see
"Allowed
Values"

35

ARM Periodic Pay
Cap

Represents cap on monthly payments for
adjustable rate mortgages.

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Numeric, to 5
decimals.
Please see
"Allowed
Values"

36

ARM Periodic Pay
Floor

Represents floor on monthly payments for
adjustable rate mortgages.

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Numeric, to 5
decimals.
Please see
"Allowed
Values"

37

Original Loan/Line
Term

The term in months on the original loan/line.

Whole Number
Allowable values: 0 –
600, 999

Whole
Number

Field
No.

Note: The Original Loan Term field (Field #37) is
intended to be reported for both
Home equity loans and lines of credit.
For a line of credit, the original loan term should
be the combined draw period and the amortized
repayment period.
Note: Do not change the original loan term in the
case of loan modifications. This field is intended
to capture the loan term at loan origination.
For loans in which there is no end date for the
draw period (e.g., "Evergreen" loans) use the
value '999'.
38

Bankruptcy Flag

Bankruptcy flag – Whether the borrower is in
bankruptcy as of the end of the reporting month.
Flag all loans where the servicer has been notified
of the borrowers’ bankruptcy declaration.
Include coborrowers.

N = Not in bankruptcy in
reporting month
Y = In bankruptcy in
reporting month

Character(1)

39

Next Payment Due
Date

Next payment due date – The due date for the
next outstanding payment on the loan. For
delinquent loans this date will be in the past.

YYYYMMDD

YYYYMMDD

Page 13 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Name

Detailed Description

Allowed Values

Format

40

Original Interest
Rate

Original Interest Rate – The annual percentage
rate as specified on the note at the time of
origination.

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Numeric, to 5
decimals.
Please see
"Allowed
Values"

41

Current Interest
Rate

Current Interest Rate – The annual percentage
rate of the loan as of the last day of the reporting
month.

Provide as a fraction.
E.g.:
0.0575 for 5.75%

Numeric, to 5
decimals.
Please see
"Allowed
Values"

42

Interest Type in
Current Month

Interest Type in Current Month – Identifies the
interest type in the reporting month.

1 = Fixed
2 = Variable

Character(1)

43

Principal and
Interest (P&I)
Amount Current

Principal and Interest (P&I) Amount Current –
Report the scheduled principal and interest due
from the borrower in the reporting month.

Whole Number
e.g.,

Whole
Number

Principal Balance

Note: This field should contain scheduled
principal and interest due from the borrower in
the reporting month. If it is in the interest only
period, then the interest only payment would be
used. Do not include past due amounts.
Unpaid Principal Balance – Current unpaid
balance at the end of the reporting month
rounded to the nearest dollar. This amount does
not include any charge-offs, discounts or other
accounting marks. It should only be reduced to
zero when:

Field
No.

44

5123 for $5,122.81
Use banker’s rounding.

e.g, 125000 for
$125,000.00
Use banker’s rounding.

Whole
Number

• For loans: when the loan has been liquidated –
either paid-in-full, charged-off, REO sold or
Service transferred.
• For lines: either when the loan has been
liquidated or when the credit line is not being
utilized by the borrower.
45

Monthly Draw
Amount

For home equity line of credit accounts, the total
amount drawn during the month. For lines with a
zero balance and no draws, report ‘0’ for this
item.

e.g, 125000 for
$125,000.00
Use banker’s rounding.

Whole
Number

46

Current Credit
Limit

Current Credit Line Amount – For lines of credit,
the total credit line currently available to the
borrower. Important: Leave NULL for home
equity loans.

e.g, 125000 for
$125,000.00
Use banker’s rounding.

Whole
Number

Page 14 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

47

Name

Detailed Description

Allowed Values

Format

Loan Status (MBA
method)

Status of borrower payments (Current, 30, 60, 90
etc.) of loan. PLEASE NOTE: Indicators of
Foreclosure, Bankruptcy and REO are also carried
in this field.

C = Current
3 = 30 days
6 = 60 days
9 = 90+ days
F = FC
R = REO
T = Terminated
Reporting
S = Servicing Sold
Release
0 = Paid off
U = Unknown

Character(1)

Note: The code value of T=Terminated Reporting
is intended to keep track of loans which were part
of the previous month’s submission, and no
longer available in current month’s file. Such
missing loans which are neither paid off nor
liquidated in the current month will be captured
by this code. As an example, if a loan has been
sent to a collections agency in the reporting
period, but not charged off or transferred to
other servicer, it would be captured under this
code value.
In the case of loan which has been charged off
and not moved to REO, the following codes will
apply ‐ Liquidation Status (Field #54) will have a
code value of 2: involuntary liquidation, which
includes charge off.
48

Foreclosure
Referral Date

Foreclosure Referral Date – Provide the date that
the loan was referred to an attorney for the
purpose of initiating foreclosure proceedings. This
date should reflect the referral date of currently
active foreclosure process. Loans cured from
foreclosure should not have a referral date.

YYYYMMDD

YYYYMMDD

49

Foreclosure Sale
Date

Report the date that the foreclosure sale occurs
on the subject property. This is typically the end
of the foreclosure process, unless the borrower is
in a state that allows for the right of redemption.

YYYYMMDD

YYYYMMDD

Note: If a loan is not in foreclosure, then the
Foreclosure Sale Date field (Field #49),
Foreclosure Referral Date field (Field # 48) should
be blank, i.e. null value. Do not populate this field
with a 0 date value, or with any other value.
Populate the date for any loan that has
completed foreclosure sale whether or not the
title was acquired by the bank. For the borrower
that is in a state that allows for right of
redemption, you should still report the
appropriate foreclosure sale date on that loan.

Page 15 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Name

Detailed Description

Allowed Values

Format

50

Pre-Payment
Penalty Flag

Pre-Payment Penalty Flag - A flag to indicate if the
loan carries a penalty if the borrower prepays the
loan during a specified period of time.

Y=Yes
N=No
U=Unknown

Character(1)

51

Pre-Payment
Penalty Term

Pre-Payment Penalty Term (In Months)

Whole number in
months. E.g.,
36 for 36 months (3
years).

Whole
Number

0 = Not Paid-In-Full
1 = Paid-In-Full This
Month by home owner
2 = Foreclosure
Completed This Month
3 = Servicing Transferred
This Month

Character(1)

Field
No.

The time period from loan origination that a
prepayment penalty applies (if applicable).
52

Paid-in-full Coding

(This field is RETIRED and should no longer be
submitted)
Indicates whether and how the loan was paid in
full
Provide the method for any loan that was paid-infull during the reporting month.
• Paid-in-full this month by home owner – Code
all instances where the loan has been paid in full
by the borrower either through refinance of the
mortgage, sale of the property or principal
payment in full.
• Foreclosure Completed This Month - This code
will also include foreclosure alternatives such as
short sales and deed-in- lieu of foreclosure.
• Servicing Transfer – Code all instances where
the servicing of the mortgage has been
transferred or sold to another institution during
the reporting month.
Note: If the loan was paid in full as a result of
charge‐off or the code values of 1,2 or 3 are not
applicable, Paid in Full Coding should have a code
value of 0: Not Paid in Full. In addition, please
make sure that in the case of chargeoffs, the
Liquidation Status (Field #54) must be coded with
a value equal to 2: involuntary liquidation, which
includes chargeoff.
In the FR Y‐14M Home Equity schedule, there is a
subtle difference in the code values across Field
52 (Paid in Full Coding), and Field 54 (Liquidation
Status). For the Field 52 (Paid in Full Coding), the
code value of ‘2: Foreclosure Completed This
Month’ includes all instances where the
foreclosure is complete this month, and does not
include other involuntary terminations.

Page 16 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

0 = Not in foreclosure
1 = In foreclosure, presale
2 = Post-sale
foreclosure,
Redemption, non-REO
(if available, otherwise
REO)
3 = REO

Character(1)

0 = Not paid-in-full
1 = Voluntary payoff
2 = Involuntary
liquidation (foreclosure)
3 = Servicing transfer

Character(1)

For Field 54 (Liquidation Status), the code value of
‘2: Involuntary Liquidation’ includes all instances
where the loan has been liquidated either
through foreclosure proceedings or another
settlement option resulting cases that can lead to
the incomplete repayment of principal. Include
short‐sales, chargeoffs, and deeds in lieu of
foreclosure as well as REO liquidations.
53

Foreclosure Status

Foreclosure Status – Identifies the current
foreclosure status as of the end of the reporting
month.
• In foreclosure, pre-sale – Coded for any
mortgage that has been referred to an attorney
for loss mitigation proceedings but has not yet
gone to foreclosure sale.
• Post-sale Foreclosure – Coded for any loan
where the bank has obtained title at foreclosure
sale, but the property is not yet actively being
marketed. Typically this will include loans that are
in redemption or being repaired. If this
information is not available, please code the loan
as REO.
• REO – Coded for any mortgage where the bank
has obtained title at foreclosure sale and the
property is on the market and available for sale.
Also code instances where the bank has obtained
title but the availability for sale is not known.

54

Liquidation Status

Liquidation Status – Provide the liquidation
method for any loan that was liquidated during
the reporting month.
• Not Paid In Full – Coded for any home equity
loans having an outstanding balance as of monthend as well as all active lines of credit.
• Voluntary Payoff – Code all instances where the
loan has been paid in full by the borrower either
through refinance, sale of the property or
principal payment in full.
• Involuntary Liquidation – Code all instances
where the loan has been liquidated either
through foreclosure proceedings or another

Page 17 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

YYYYMMDD
Do not populate for
loans that have not
been modified.

YYYYMMDD

0 = Loan does not have
an active repayment
plan as of month-end
and did not have the
terms of a repayment
plan broken or cancelled
1 = Stip to Mod Active
2 = Stip to Mod Broken
3 = Repayment Plan
Active
4 = Repayment Plan
Broken
5 = Repayment Plan
Cancelled by Servicer
6 = Repayment Plan
Cancelled at borrower’s
request
7 = 2MP/HAMP Trial
Period Active
8 = 2MP/HAMP Trial
Broken
9 = 2MP/HAMP Trial
Cancellation

Numeric

settlement option resulting in incomplete
repayment of principal. Include short-sales,
charge-offs, as well as REO liquidations.
• Servicing Transfer – Code all instances where
the servicing of the loan has been transferred or
sold to another institution during the reporting
month.
55

56

Troubled Debt
Restructure Date

Repayment Plan
Performance
Status

Troubled Debt Restructure – A date designating
when a modified loan was classified as a Troubled
Debt Restructuring (TDR).
In accordance with FAS 114
Note: This field should only be populated for
loans with a value in Field #77 Modification Type
indicating that a loan has been modified.
Repayment Plan Performance Status – This field
tracks the performance of repayment and stip-tomod plans. If a repayment plan or stip-to-mod
was completed successfully during the month it
should be coded as such in the work-out type
completed field and under the following:
• Code as a zero any loan that does not have an
active repayment plan as of month-end and did
not have the terms of a repayment plan cancelled
or broken during the month.
• Stip-to-Mod Active – The borrower is
performing as scheduled on a stipulated
repayment agreement that, if successful will
result in a modification.
• Stip-to-Mod Broken – The borrower has broken
the terms specified by a stip-to-mod agreement
and the modification was not executed.
• Repayment Plan Active – The borrower is
performing as scheduled according to the terms
of an executed repayment plan.
• Repayment Plan Broken – The borrower has
defaulted on the terms of an executed repayment
plan during the month.
• Repayment Plan Cancelled by Servicer – The
borrower was on a repayment plan that was

Page 18 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

N = No
Y = Yes

Character(1)

N = No
Y = Yes

Character(1)

cancelled by the servicer during the month.
• Repayment Plan Cancelled at Borrower’s
Request – The borrower was on a repayment plan
that was cancelled at their request during the
month.
• 2MP/HAMP Trial Period Active – Report all 2MP
or HAMP program pre-modifications that are
performing as scheduled under a trial period plan
and the plan is not broken. The Trial is defined as
Active when the borrower makes the first
required trial payment.
• 2MP/HAMP Trial Broken – Report all 2MP or
HAMP program pre-modifications where the
borrower has not complied with the terms of the
schedule such that the modification will not be
executed.
• 2MP/HAMP Trial Cancellation – The 2MP or
HAMP Trial was cancelled due to borrower
ineligibility or other reason.
57

Capitalization

Capitalization – Capitalization is defined as
instances where accrued and/or deferred
principal, interest, servicing advances, expenses,
fees, etc. are capitalized into the unpaid principal
balance of the modified loan. If accrued and/or
deferred principal, interest, servicing advances,
expenses, fees, etc. are capitalized into the
unpaid principal balance during modification this
field should be “Y” otherwise it should be “N”.
This field should only be populated for loans with
a value in Field #77 Modification Type indicating
that a loan has been modified.

58

Interest Rate
Frozen

Interest Rate Frozen - Report on all loans where a
floating interest rate was frozen at a fixed rate. If
the loan was an adjustable rate and it was
converted to a fixed rate during modification
process this field should be “Y” otherwise it
should be “N”.

Page 19 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

59

Name

Detailed Description

Allowed Values

Format

Principal Deferred

Principal Deferred - Report on any loans where
principal payment or amortization has been
deferred to a later date. If where principal
payment or amortization has been deferred to a
later date during modification process this field
should be “Y” otherwise it should be “N”.

N = No
Y = Yes

Character(1)

This field should only be populated for loans with
a value in Field #77 Modification Type indicating
that a loan has been modified.
60

SOP 03-3 Status

SOP-03-03 - Identify any loans that are accounted
for under SOP-03-03 purchase accounting. If the
loan is accounted for under SOP-03-03 purchase
accounting this field should be “Y” otherwise it
should be “N”. Note: None of the records should
contain a NULL.

N = No
Y = Yes

Character(1)

61

Workout Type
Completed /
Executed

Workout Type Completed / Executed – The type
of loss mitigation activity.

0 = No Workout Plan
Performed
1 = Modification
2 = Payment Plan
3 = Deed in Lieu
4 = Short Sale
5 = Stipulated
Repayment / stip to
mod
6 = Do not Use
7 = Settlement
8 = Other

Numeric

This field should be coded for any loan where a
loss mitigation effort has been successfully
completed in the current month. Successful
completion is defined as the closing of loss
mitigation activities where the borrower has no
remaining delinquent obligations to the servicer.
The field should be coded in only the reporting
month when the workout type was completed
and not in subsequent months.
Note: The Field Workout Type Completed should
only be coded for any loan where a loss
mitigation effort has been successfully completed
in the current month. Code value of 0 should be
entered only in the case where no workout is
completed or there is an unsuccessful resolution
of a loss mitigation effort. Do not enter a code
value of 0 if loss mitigation efforts are ongoing
but not completely resolved. For the cases where
loss mitigation efforts are ongoing but not
completely resolved, this field should be left
blank. Also, if a loan has never been in loss
mitigation, the value should be left blank.

Page 20 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Name

Detailed Description

Allowed Values

Format

62

First Mortgage
Serviced In House

First Mortgage Serviced In House – Report any
instance where the first mortgage associated with
the home equity loan/line is serviced by your
bank. Leave NULL for any first lien home equities.

N = No the first
mortgage is not serviced
in house
Y = Yes, the first
mortgage is serviced in
house.

Character(1)

63

Settlement
Negotiated
Amount

Settlement Negotiated Amount –
The settlement amount (portion of the
outstanding UPB) agreed to be paid by the
customer

e.g., 125000 for
$125,000.00
Use Banker’s Rounding

Whole
Number

N = No the line of credit
was not frozen
Y = Yes the line of credit
was frozen in the
reporting month

Character(1)

e.g, 125000 for
$125,000.00
Use Banker’s Rounding

Whole
Number

Field
No.

For any loan or line where the “Settlement”
option is selected under the Workout Type
Completed / Executed field, populate the total
outstanding portion of the UPB that the borrower
has agreed to pay.
64

Credit Line Frozen
Flag

Credit Line Frozen Flag –
Flag to indicate line of credit frozen in the
reporting month.
Identifies any line of credit that is in its draw
period where the credit line has been temporarily
frozen, allowing no further draws or increase in
principal balance outstanding, in the reporting
month. This field should continue to be coded as
“Y” for any month the credit line remains frozen
until paid in full or the line is reinstated.
Important: Leave NULL for home equity loans.
Note: Credit line frozen and credit line closed are
separate actions and need to be coded as such.
Do not code a closed account as frozen unless
that specific action was taken.
Frozen is meant to be a temporary situation due
to a decrease in property value or short term
delinquency, and eventually can have their line
“unfrozen”.

65

Locked Amount –
Amortizing – LOC

Locked Amount – Amortizing – LOC –
Amount of credit line that has been locked and is
now amortizing.
For lines of credit, populate this field with the
total dollar amount of the outstanding principal
balance that has been “locked’ and is now

Page 21 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

e.g, 125000 for
$125,000.00
Use Banker’s Rounding

Whole
Number

YYYYMMDD

YYYYMMDD

amortizing under independent loan terms.
Important: Leave NULL for any home equity loan.
Also leave NULL for any line of credit that does
not have a lockout feature. If a line of credit has
a lockout feature and no balance is locked, the
field should contain a zero.
66

Locked Amount –
Interest Only – LOC

Locked Amount – Interest Only – LOC –
Amount of credit line that has been locked.
(Interest Only)
For lines of credit, populate this field with the
total dollar amount of the outstanding principal
balance that has been locked as an interest only
loan operating under independent terms.
Important: Leave NULL for any home equity loan.
Also leave NULL for any line of credit that does
not have a lockout feature. If a line of credit has
a lockout feature and no balance is locked, the
field should contain a zero.

67

Repayment Plan
Start Date

Repayment Plan Start Date –
Date repayment plan was entered into.
Indicates the date on which the terms of a loss
mitigation repayment plan were agreed upon and
initiated between the borrower and servicer.

68

Actual Payment
Amount

Actual Payment Amount – The actual dollar
amount of the payment received in the reporting
month.

e.g, 125000 for
$125,000.00
Use Banker’s Rounding

Whole
Number

69

Lockout Feature
Flag

Lockout Feature Flag – Lines of credit that have a
lockout feature

N = No
Y = Yes

Character(1)

N = No
Y = Yes

Character(1)

Report any line of credit that contains a “lockout” feature whereby a portion of the
outstanding principal balance on a line may be
locked into an amortizing or interest only loan
with separate terms. Important: This field should
contain null for home equity loans. For Home
equity lines of credit this field should only contain
the values “Y’ or ‘N’.
70

Credit Line Closed
Flag

Credit Line Closed Flag – Identifies any line of
credit that is in its draw period where the credit
line has been closed, allowing no further draws or

Page 22 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

N = No
Y = Yes

Character(1)

increase in principal balance outstanding. The
status code should remain on the line until paid in
full. Important: Leave NULL for home equity
loans.
Note: A closed line is one where borrower will
never regain use of the draw.
Rate reduction – The interest rate on the loan
was lowered.
If the interest rate was lowered on the loan
through modification this field should be “Y”
otherwise it should be “N”. Note: None of the
records should contain a NULL.

71

Rate reduction

72

Term modification

Term modification - A term modification is one in
which there was a change to the rate reset date
balloon feature and/or maturity date.
If the rate reset date balloon feature and/or
maturity date was changed through a
modification this field should be “Y” otherwise it
should be “N”. Note: None of the records should
contain a NULL.

N = No
Y = Yes

Character(1)

73

Principal Writedown

Principal Write-down - Report all loans where an
adjustment to the unpaid principal balance has
occurred.

N = No
Y = Yes

Character(1)

N = No
Y = Yes
If record is loan please
leave blank (NULL)

Character(1)

If adjustment to the unpaid principal balance has
occurred through a modification this field should
be “Y” otherwise it should be “N”.
This field should only be populated for loans with
a value in Field #77 Modification Type indicating
that a loan has been modified.
74

Line Reage

Line of Credit has been reaged, but terms have
not been formally modified.
This field should be “Y” for lines that have been
reaged but are not in active loss mitigation.
If the line is not either modified or reaged, or this
is a loan this value should be omitted (NULL).
Note: The fields #74 Line Reage and #75 Loan
Extension) should be populated with a “Y” value if
the line or loan has ever been reaged or
extended. These fields should carry forward from
month to month and reflect the inventory of

Page 23 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

N = No
Y = Yes
If record is line please
leave blank (NULL)

Character(1)

reages and extensions. Please do not count
holiday extensions as “Y” for this variable.

75

Loan Extension

Home Equity Loan has been extended, but terms
have not been formally modified. This field
should be “Y” for loans that have been extended
but are not in active loss mitigation. Loans that
are in loss mitigation where the amortization
term of the loan is being changed should be “N”
here. If the line is not either modified or reaged,
or this is a line of credit this value should be
omitted (NULL).
Note: The fields (#74 Line Reage, #75 Loan
Extension) should be populated with a “Y” value if
the line or loan has ever been reaged or
extended. These fields should carry forward from
month to month and reflect the inventory of
reages and extensions. Please do not count
holiday extensions as “Y” for this variable.

76

Current Combined
LTV

The current combined LTV includes the updated
loan-to-value using the current commitment of
the HE loan or line. The bank may use an updated
1st mortgage balance, if available (serviced in
house), but not required. For property value, the
bank should use the most recent estimate of
property value. If the bank has not refreshed the
value since loan origination, then use the
origination value. Basically, this is reporting the
current CLTV that the bank is aware of to
understand the profile of the portfolio.

Provide as a decimal.
E.g.:
0.51 for 51.1%
Please populate with
NULL if unavailable

Numeric, to 2
decimals.
Please see
"Allowed
Values"

77

Modification Type

This field should be populated for any loan that is
currently operating under modified terms and
identifies the specific terms that were altered
through loss mitigation efforts.

0 Not Modified
7 2MP
8 Proprietary Systematic
9 Proprietary Other
10 HAMP

Numeric

Proprietary Systematic Program – Report all other
proprietary systematic programs target at
applicable segments of mortgage borrowers. The
“proprietary” nature of this field references the
modification program and not the investor. Any
loan modified under a proprietary systematic
program should receive this code regardless of
investor.

Page 24 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

YYYYMMDD

YYYYMMDD

e.g. 125000 for
$125,000.00

Whole
Number

0=Not Refreshed
1=Full Appraisal –
Prepared by a licensed
appraiser
2=Limited appraisalDrive-by -Prepared by a
licensed appraiser
3=Broker Price Opinion
“BPO”-Prepared by a
real estate broker or
agent

Character(1)

Proprietary Other – Report any modification type
not covered by the previous categories. As with
the proprietary systematic modifications, this
field is independent of the investor. These
definitions are consistent with definitions in
analogous OCC data collections.
78

Last Modified Date

Date of most recent Modification.
This field should only be populated for loans with
a value in Field #77 Modification Type, indicating
that a loan has been modified.

79

Refreshed Property
Value

Refreshed (non-original) property value
Refreshed property value – Provide the most
current property value if updated subsequent to
loan origination. Only provide a refreshed value
when it is based on a property-specific valuation
method (i.e., do not provide a refreshed property
value based solely on applying a broad valuation
index to all properties in geographic area.)
The refreshed LTV refers to the servicer
periodically updating the estimate of value to
recalculate loan-to-value using the current loan
balance.

80

Refreshed Property
Valuation Method

Field #79 Refreshed Property Value, field #80
Refreshed Property Valuation Method, and field
#81 Refreshed Property Valuation Date refer to
the same refreshed property valuation instance. If
the property has been valued subsequent to
origination, please provide the most recent
property valuation date, the valuation method,
and the property value.
The valuation method for any refreshed values in
field #79. Identifies the method by which the
value of the property was determined.

Page 25 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

4=Desktop Valuation –
Prepared by a bank
employee or nonappraiser
5=Automated Valuation
Model “AVM”
6=Unknown
7=TAV – tax assessed
value
81

Refreshed Property
Valuation Date

Date of most recent property valuation.

YYYYMMDD

YYYYMMDD

82

Escrow Amount
Current

(This field is RETIRED and should no longer be
submitted)
Escrow Amount Current – Report the scheduled
escrow amount (including taxes and insurance)
due from the borrower in the reporting month.

Whole Number e.g.,
5123 for $5,122.81
Use banker’s rounding.

Whole
Number

83

Loan Purpose
Coding

The purpose for the loan origination.

Loan Purpose Coding
1 = Purchase
4 = Rate / Term
Refinance
5 = Cash-Out Refinance
6 = Other Refinance
7 = Home Improvement
8 = Debt Consolidation
9 = Education
A = Medical
Y = Other
U = Unknown

Character(1)

84

Remaining Term

Report the remaining term of the loan in months.

Whole Number

Whole
Number

7 = Chapter 7
9 = Chapter 9
11 = Chapter 11
12 = Chapter 12
13 = Chapter 13
U = Unknown

Character(2)

For HELOC it should be the combined draw period
and the repayment period.
Note: For the Remaining Term fields in the FR Y‐
14M First Lien and Home Equity schedules, a
value of 0 should be assigned if a loan is past
maturity.
85

Bankruptcy
Chapter

Bankruptcy Chapter - For all the loans with a
Bankruptcy Flag, indicate the Bankruptcy Chapter
Type
Note: If the Bankruptcy Flag field (Field #38) is
coded with a value of ‘N’, then the Bankruptcy

Page 26 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description
Chapter field should be blank, i.e. null value. Do
not populate this field with any other value.
Accrual Status of the loan or line of credit as of
the reporting month.

Allowed Values

Format

0 = Accrual
1 = Non-Accrual
2 = Serviced for
Others/Securitized

Character(1)

N = Foreclosure was not
suspended in the
reporting month (also
code for loans not in
foreclosure).
Y = Foreclosure was
suspended as of the last
day of the reporting
month.

Character(1)

86

Accrual Status
(Effective for
submission of
June 2013 data)

87

Foreclosure
Suspended
(Effective for
submission of
June 2013 data)

Flag indicating an active foreclosure suspension.

88

Property Valuation
Method at
Origination
(appraisal method)
(Effective for
submission of
June 2013 data)

Method used to determine the property value at
time of origination.

1 = Full Appraisal –
Prepared by a licensed
appraiser
2 = Limited appraisalDriveby Prepared by a
licensed appraiser
3 = Broker Price Opinion
“BPO”-Prepared by a
real estate broker or
agent
4 = Desktop Valuation –
Prepared by a bank
employee or nonappraiser
5 = Automated
Valuation Model “AVM”
6 = Unknown
7 = TAV – tax assessed
value
8 = Purchase Price
9 = Other

Character(1)

89

Loss Mitigation
Performance
Status
(Effective for
submission of
June 2013 data)

Identifies the appropriate performance status of a
loan that is under a loss mitigation program.

0 = No loss mitigation
action in place.
1 = Active and
Performing
2 = Active and
Nonperforming
3 = Broken

Character(1)

Note: The code value for this field should follow
public reporting of this item.

Applies to all loans regardless of workout type
(Field #61 Workout Type Completed/Executed)
The code values indicate:
* Not in loss Mitigation

Page 27 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

N = No
Y = Yes

Character(1)

0 = Has Not Defaulted
1 = Excessive obligations
2 = Death
3 = Unemployment
4 = Medical
5 = Reduction of Income
9 = Other

Character(1)

* Active and performing – Refers to any loan that
is currently in loss mitigation and is performing to
the terms of a selected plan.
* Active and non-performing – Refers to instances
where a loan is under a workout plan, as
identified in Field #61 Workout Type
Completed/Executed, but borrower has missed at
least one payment under the terms of the
agreement.
* Broken – Populated for situations where the
borrower has defaulted on the terms of loss plan
and the servicer has removed the loan from loss
mitigation. The broken flag should remain with
the account until the loan has been paid-in-full,
re-modified, or charged off.
90

Other Modification
Action Type
(Effective for
submission of
June 2013 data)

Report any modification type not covered by the
previous categories.
If the loan was modified and none of the
categories reflect how the loan was modified this
field should be “Y” otherwise it should be “N”.
Report for all loans with a value in Field #77
Modification Type. Otherwise, report NULL.
Note:
The modification action type categories already
captured are #71 (Rate Reduction), #72 (Term
Modification), #73 (Principal write-down), #57
(Capitalization), #58 (Interest Rate Frozen), #59
(Principal Deferred). If the loan was modified and
none of these categories reflect how the loan was
modified this field should be coded “Y” otherwise
it should be “N”.

91

Reason for Default
(Effective for
submission of
June 2013 data)

Identifies the reason that the borrower has
defaulted on their payment obligations.

Page 28 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

92

93

Name

Detailed Description

Allowed Values

Format

Third Party Sale
Flag
(Effective for
submission of
June 2013 data)

Identification of Third Party Sales at time of
Foreclosure Sale

0 = The loan was not
sold to a third party
(also code zero loans
not in foreclosure)
1 = The loan was sold to
a third party at
foreclosure sale

Character(1)

Loss/Write down
Amount
(Effective for
submission of
June 2013 data)

Home Equity credit related losses and principal
write downs incurred during the month, including
all write-offs of principal, interest, receivables, or
accruals that are deemed uncollectible.

e.g, 125000 for
$125,000.00

Whole
Number

Identify any loan where the title has transferred
to a party other than the servicer at the time of
foreclosure sale. If the loan was not sold to a third
party or is not currently in foreclosure this field
should be coded with a zero. For example, if the
loan was conveyed from the owner to the lender
(or servicer), this would not be considered a Third
Party Sale, and this field should be coded with a
zero.

can be a positive or a
negative value

Report all write-downs and reversals of loan
principal and interest recorded as charge-offs
against the Allowance for Loan and Leases Losses
(ALLL) pursuant to FFIEC Call Report instructions.
Also include all reversals of accrued but not
collected interest, not directly charged against
the ALLL. This should include accounting
adjustments to fair market value.
If the charge off is positive, then reversals will get
reported as a negative value.
If multiple write-downs occurred in a given
month, report the total amount of write-downs
for that month.

The Loss/Write-down Amount is intended to
parallel the amount and timing of loss
recognized under regulatory accounting rules
prior to, upon and following foreclosure of the
property securing the loan. As a general rule,
the amount of recognized loss is the difference
between the recorded amount of the loan and
the fair market value of the asset (less cost to
sell). The Loss/Write-down Amounts
recognized in subsequent months after
foreclosure are the adjustments, if any, to the
Page 29 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

Date on which the loss or write-down was
incurred. If multiple write-downs occurred in a
given month, report the date of most recent
write-down for that month.

YYYYMMDD

YYYYMMDD

Current net unpaid balance at end of the
reporting month rounded to the nearest dollar.

e.g, 125000 for
$125,000.00
Use banker’s rounding.

Whole
Number

0 = First Lien Not
Performing
1 = First Lien Performing
U = Status of First Lien
not known

Character(1)

on-balance sheet value of the foreclosed
asset. Include in the Loss/Write-down Amount
items charged directly to the Allowance for
Loan and Lease Losses as well as items charged
to unearned interest, any valuation allowance
established against the asset and accounts
related to item 5.j on Schedule RI – “Net gains
(losses) on sales of other real estate
owned”.
94

95

Loss/Write down
Date
(Effective for
submission of
June 2013 data)
Unpaid Principal
Balance (Net)
(Effective for
submission of
June 2013 data)

Net Unpaid Principal Balance for a Home Equity
loan is the Gross Unpaid Principal Balance minus
any charge-offs taken against the loan loss
reserve (ALLL) for that same loan. The charge-off
amount for Net Unpaid Balance is the cumulative
lifetime loss for the loan and not the partial
charge-off amount for the given reporting month.
The net amount does not include SOP-03-03
purchase accounting marks. Net UPB is rounded
to the nearest dollar. If Net UPB is unknown
because the loan is Serviced for Others or for any
other reason, this value should be NULL. This
value should equal the book value on regulatory
filings.
NOTE: PCI loans will not include ASC 310-30
marks for this item.

96

Performance of
First Lien
(Effective for
submission of
June 2013 data)

Indicates whether the First Lien is performing or
not. This includes First Liens that are not held by
the BHC.
Note: This field is a required field for “Portfolio”
and “Serviced By Others” loans, and best efforts
field for “Serviced For Others”.
A loan is considered non-performing if the loan is
not current (30 days or more past due by MBA

Page 30 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

N = No
Y = Yes
U=Unknown

Character(1)

method).

97

98

Ever 90+ DPD in
the Past 12 months
(Effective for
submission of
June 2013 data)

Entity Serviced
(Effective for
submission of
June 2013 data)

Delinquent history information in the past 12
months. Use the Mortgage Bankers Association’s
delinquency method.


“Y” if ever in 90 or more than 90 days past
due in the past 12 months



“N” if not ever in 90 or more than 90 days
past due in the past 12 months



“U” if unknown

Report the Federal Regulator of the BHC
subsidiary that is servicing the loan. If the loan is
a commercial loan secured by residential real
estate loans, report the Federal Regulator of the
entity servicing the commercial loan.

Character(1)
1 = FRB
2 = OCC
3 = FDIC

Example: The ‘Entity Serviced’ should be
segmented out by the entities within the BHC.
Examples: If the loan is serviced by a national
bank, then the Entity Serviced is OCC (code
value = 2). If the loan is serviced by a state
nonmember bank, then the ‘Entity Serviced’ is
FDIC (code value = 3). If the loan is serviced by
a state member bank or a subsidiary of a BHC
that is not a federally insured bank, then the
‘Entity Serviced’ is FRB (code value = 1).
99

Total Debt at Time
of any Involuntary
Termination
(Effective for
submission of
June 2013 data)

Total Debt is comprised of:
1) Unpaid Principal Balance;

Whole Number
e.g.,
2123 for $2,122.81
Use banker’s rounding.

Whole
Number

2) Interest pass through Amount (interest paid to
the Investor to purchase loan out of pool or any
prior years interest charged-off at non-accrual
status);
3) Total Corporate Advance (incl. Property
Preservation and Attorney’s fees);
4) Total Escrow Advance (taxes and insurance
paid)

Page 31 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

Whole Number
e.g.,
2123 for $2,122.81
Use banker’s rounding.

Whole
Number

Whole Number
e.g.,
2123 for $2,122.81

Whole
Number

0 = No. This loan is not
a CRE or commercial
business purpose loan.
1 = Yes. This loan is a

Character(1)

Note: Any involuntary termination includes REO,
Short Sale, Deed-in-lieu of foreclosure, Third
Party Sale or Charge-off. Do not include any
write-downs prior to termination.
Note: This field is a required field for Portfolio
Loans and best efforts for all others.
100

Net Recovery
Amount
(Effective for
submission of
June 2013 data)

Report the cumulative recovery amount at the
time the loan terminates. For first lien, this is
computed as sales price net of costs of sales (e.g.,
sales commissions and buyer concessions.)
For junior lien the value is the amount recovered
on the loan. For junior liens, termination may not
coincide with property sale but rather when the
loan stops being reported on the servicing
system. If the loan continues to be reported postsale then it could include recoveries after the sale
of the property.

Note: Since net proceeds should be the same as
Net Recovery Amount, report net proceeds in
this field for short sales and third party sales,
along with all other involuntary terminations.
Since the net recovery amount cannot be
computed until the loan has been sold (or
charged off), you need to also obtain the sales
price the property sold at and place the sales
price of the property in Field ‘Sales Price of
Property’.
Note: This field is a required field for Portfolio
Loans and best efforts for all others.
101

102

Sales Price of
Property
(Effective for
submission of
June 2013 data)

Commercial Loan
Flag
(Effective for
submission of

Report the final sales price at which the property
was disposed by the BHC in the case of
involuntary termination. Provide the same price
as the BHC would submit to public records data.
Note: This field is a required field for Portfolio
Loans and best efforts for all others.
Is the loan a commercial real estate (CRE) or
commercial business purpose loan or
transaction?

Page 32 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

103

Name

Detailed Description

Allowed Values

Format

June 2013 data)

This field is reserved for certain CRE or
commercial business purpose loans secured by 14 residential properties where the underlying 1-4
residential loans are required to be reported on
Schedule Y-9C as 1-4 residential mortgage loans.
While the purpose of the transaction is
commercial, Y-9C requires any 1-4 family
residential loans securing the transaction to be
reported as a 1-4 residential properties.

CRE or commercial
business purpose loan.

Basel II – PD
(Effective for
submission of
March 2013 data)

Report the Basel II Probability of Default (PD) for
the account. More specifically, report the PD
associated with the account’s corresponding
Basel II segment.

A one in ten probability
of default should be
reported as 0.1.

Numeric, up
to 5 decimals.

A ninety percent loss
given default should be
reported as 0.9.

Numeric, up
to 5 decimals.

A ninety percent
expected loss given
default should be
reported as 0.9.

Numeric, up
to 5 decimals.

Whole Number, e.g.
5123 for $5,122.81

Whole
Number

Note: Applicable only to the Basel II reporting
banks. This item is required for BHC-owned loans
only.
104

Basel II – LGD
(Effective for
submission of
March 2013 data)

Report the Basel II Loss Given Default (LGD) for
the account. More specifically, report the LGD
associated to the account’s corresponding Basel II
segment.
Note: Applicable only to the Basel II reporting
banks. This item is required for BHC-owned loans
only.

105

Basel II – ELGD
(Effective for
submission of
March 2013 data)

Report the Basel II Expected Loss Given Default
(ELGD) parameter for the account. More
specifically, report the ELGD associated to the
account’s corresponding Basel II segment.
Note: Applicable only to the Basel II reporting
banks. This item is required for BHC-owned loans
only.

106

Basel II – EAD
(Effective for
submission of
March 2013 data)

Report the Basel II dollar Exposure at Default
(EAD) 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.

Page 33 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Format

1 = National Bank
2 = State Member Bank
3 = Nonmember Bank
4 = State Credit Union
5 = Federal Credit Union
6 = Non-bank Subsidiary
0 = Other

Whole
number

Note: Applicable only to the Basel II reporting
banks. This item is required for BHC-owned loans
only.
Abbreviations:
LEQ: Loan-equivalent-exposure
CCF: Credit Conversion Factor
107

Entity Type
(Effective for
submission of
June 2013 data)

Report the registered entity type of the BHC
subsidiary that owns the reported loan. If the loan
is not owned by the BHC or its subsidiaries, report
the entity type as ‘Other.’

108

HFI FVO/HFS Flag
(Effective for
submission of
June 2013 data)

Portfolio HFI FVO / HFS – Identify all portfolio
loans held for investment (HFI) measured at fair
Y= Yes
value under a fair value option (FVO) or held for
N = No
sale (HFS).

Character(1)

Note: For non-portfolio loans leave this field
NULL.

Portfolio Level Table
Name

Detailed Description

Allowed Values

Format

1

Portfolio Segment
ID

Identification of which portfolio segment is being
reported.

Character(1)

2

Principal Balance
(Effective for
submission of
June 2013 data)

Unpaid Principal Balance – The total principal
amount outstanding as of the end of the month
for the portfolio segment. The UPB should not
reflect any accounting based write-downs and
should only be reduced to zero when the loan has
been liquidated – either paid-in-full, charged-off,
REO sold or Service transferred

1 = Serviced
2 = Portfolio HFI
Purchased Impaired
3 = Portfolio HFI FVO /
HFS
4 = Other Portfolio
Current unpaid balance
at end of the reporting
month.

Field
No.

3

Loss / Write-down
Amount

Loss / Write-down Amount – For active loans,
report all cumulative lifetime write-downs and
reversals of loan principal and interest recorded
as charge-offs against the Allowance for Loan and

Whole
Number

Report in millions of
dollars.

Cumulative lifetime loss
or principal write-down
on loans in the portfolio
segment for all active

Whole
Number

Page 34 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.

Name

Detailed Description

Allowed Values

Leases Losses (ALLL) pursuant to FFIEC Call Report
instructions. Also include all reversals of accrued
but not collected interest, not directly changed
against the ALLL.

loans in that segment.

Format

Principal Write downs
and Losses should be
expressed as positive
numbers.
Report in millions of
dollars.

Page 35 of 35

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014

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. Recently,
these schedules have been expanded to included REO loans, and such loans will also be included in the Address
Matching data collection.
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 will be used to track revisions and resubmissions of this schedule. It must be populated as
a two-digit number. For example, the first submission for a given period would have a submission number of ‘01.’
If the BHC 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.
Page 1 of 4

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
No
1

Name
Loan Number

Detailed Description
An identifier for this loan that will
be the same from month to
month. It must identify the loan
for its entire life and most be
unique (piggy-backs should be
separated).

Allowed Values
A contributor-defined
alpha-numeric value up to
32 characters.

Format
Character(32)

Note: Please provide the
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.

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

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

Text field

Text(50)

4

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

Two-letter postal codes
for the state.

Character(2)

5

Property ZIP
code

Five-digit or nine-digit
number. Include leading
zeroes WITH NO DASHES,
e.g.:
00901
101015271

Character(9)

Nine-digit ZIP code of the property or
five-digit 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.

Page 2 of 4

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
No

Name

Detailed Description

Allowed Values

Format

6

Mailing Street
Address

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.

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

Text(100)

7

Mailing City

The borrower’s mailing city. May be
the same as the Property City.

Text field.

Text(50)

8

Mailing State

The borrower’s mailing state. May
be the same as the Property State.

Two-letter postal codes for
the state.

Character(2)

Five-digit or nine-digit
number. Include leading
zeroes WITH NO DASHES,
e.g.: 00901
101015271

Character(9)

0 =Not paid-in-full
1 = Voluntary
Payoff/Refinance (includes
Property Sale)
2 = Involuntary liquidation
3 = Servicing transfer

Character(1)

1 = First Lien
2 = Second Lien
3 = Third Lien

Character(1)

Census tract number,
provided in text format
including any leading zeroes
and the decimal points if
applicable.

Character(10)

If the Mailing State is an
international address, then use a
code value of "FF" to represent the
Mailing State information.
9

Mailing ZIP
Code

Nine-digit ZIP code of the mailing
address or five-digit ZIP code if ninedigit is not available.
If the Mailing zip code is an
international address, and greater
than 9 characters, leave the foreign
mailing zip code as NULL.

10

Liquidation
Status

Whether and how the loan was paidin-full.

11

Original Lien
Position

1st, 2nd, 3rd, etc.

12

Census Tract

Census tract of the property address.
Use the 2010 Census Tract
definitions. Census tracts are
identified by an up to four digit
integer number and may have an

Page 3 of 4

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
No

Name

Detailed Description
optional two‐digit suffix. The census
tract codes consist of six digits with
an implied decimal between the
fourth and fifth digit corresponding
to the basic census tract number but
with leading zeroes and trailing
zeroes for census tracts without a
suffix.

Allowed Values
Format
Example: The census tract
2345.06 would have the code
of 234506. The census tract
78 would have a value of
007800. Please provide the
data as 234506 and 007800
respectively for the examples
listed.

Use the 2010 Census Tract
definitions. For additional details
refer to the Census Bureau website.
13

Data File
Reference
(Effective for
submission of
June 2013
data)

Indicates if the loan is included in Y14M First Lien Closed-end data or Y14M Home Equity Loan and Home
Equity Line data file submission for
that month.

1 = Available in the Y-14M
Character(1)
First Lien Closed-end data file
2 = Available in the Y-14M
Home Equity Loan and Home
Equity line data file

Page 4 of 4