Form FR Y-14M FR Y-14M Domestic Credit Card Data Collection Data Dictionary

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

1
2
3
4

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

Domestic Credit Card Data Collection Data Dictionary

Table of Contents
Data Collection Instructions……………………

Page 2

Account Level Variables…………………………

Page 4

Portfolio Level Variables ………………………..

Page 45

Page 1 of 54

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

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. Report cards that employees are financially responsible for
repayment of balances. If employers are ultimately responsible for repayment of balances, then report under Y14Q corporate loan
schedule.
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

Page 2 of 54

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






requested summary variables. Unless otherwise stated, income and fee data is reported as the sum of the activity during the reporting
month.
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 BHCs, optional for non-Basel II BHCs. If Basel II parameters are not calculated on a monthly basis,
report the most recent value calculated for the Basel II variable.

Page 3 of 54

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

1

Account Level

1

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.

S

Mandatory

Format
N: Numeric
C: Character
C18

2

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.

S

Mandatory

C18

3

Bank ID

BankId

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

S

Mandatory

N10

Field
No.

Field Name

Technical Field
Name

Static or Dynamic
Description

Page 4 of 54

Mandatory
or Optional

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

Field Name

Technical Field
Name

4

Period ID

PeriodId

5

State

AccountState

Static or Dynamic
Description
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 month, for example 20111231,
20120331, etc.
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 NU.

Mandatory
or Optional

Format
N: Numeric
C: Character
Date
YYYYMMDD

D

Mandatory

D

Mandatory

C2

D

Mandatory

C9

a. State postal code or
b. Report as NU or
c. Report as AP - if Army Post Office address.
6

Zip Code

AccountZipCode

Report the nine-digit zip code the cardholder
reported as their billing address. If nine-digit zip
code is not available, report five-digit zip code.
Data Format should include leading zeroes WITH NO
DASHES, e.g.: 00901 and 101015271.

Page 5 of 54

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
7

Field Name
Credit Card Type

Technical Field
Name
CreditCardType

Static or Dynamic
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.
Report cards that employees are financially
responsible for repayment of the balance. If
the employers are ultimately responsible for
repayment of the balances, then report under
Y14Q corporate loan schedule.
5 = Others - Other cards accounts to consumers,
small business, or corporations reported in the
FR Y-9C in line items not represented above.
For small business or corporate cards report
cards that employees are financially
responsible fro repayment of balances.
Page 6 of 54

D

Mandatory
or Optional
Mandatory

Format
N: Numeric
C: Character
N1

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
8

Field Name
Product Type

Technical Field
Name
ProductType

Static or Dynamic
Description
Report each account in one of the following product
types:
1 = Co-brand (typically related to products and
services, including retail stores, airlines, etc.
Excluding Oil and Gas cards)
2 = Oil and Gas Co-Brand
3 = Affinity (having affiliations such as Unions,
Universities, etc. These cards typically do not offer
rewards from these organizations)
4 = Student (if internally identified as a student
card)
5 = Other
6 = Health Care Card (a card that can only be used
specifically with the chosen medical providers and
carry terms not typically available to general
purpose cards or private lable cards).

Page 7 of 54

D

Mandatory
or Optional
Mandatory

Format
N: Numeric
C: Character
N1

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
9

Field Name
Lending Type

Technical Field
Name
LendingType

Static or Dynamic
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 co-brand 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.
A purchase charge card issued by a corporation
should be categorized as a corporate card and
it will be categorized as a non-consumer charge
card based on the appropriate ‘lending type’
categorizations.

Page 8 of 54

D

Mandatory
or Optional
Mandatory

Format
N: Numeric
C: Character
N1

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
10

Field Name
Revolve Feature

Static or Dynamic

Technical Field
Name
RevolveFlag

D

Mandatory

Format
N: Numeric
C: Character
N1

D

Mandatory

N1

D

Mandatory

N1

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.

Mandatory
or Optional

1 = Yes
0 = No
11

Network ID

NetworkId

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

12

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

Page 9 of 54

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
13

Field Name
Loan
Source/Channel

Technical Field
Name
LoanChannel

Static or Dynamic
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.
6 = Loan source unknown.

Page 10 of 54

S

Mandatory
or Optional
Mandatory

Format
N: Numeric
C: Character
N1

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

Field Name
SOP-03-03 flag

Static or Dynamic

Technical Field
Name
SOP0303Flag

D

Mandatory

Format
N: Numeric
C: Character
N1

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.

Mandatory
or Optional

1 = Yes
0 = No
15

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.

D

Mandatory

N12.2

16

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.

D

Mandatory

N1

1 = Yes
0 = No

Page 11 of 54

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
17

Field Name
Accounts Under
Promotion

Static or Dynamic

Technical Field
Name
PromotionFlag

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

D

Mandatory
or Optional
Mandatory

Format
N: Numeric
C: Character
N1

1 = Yes
0 = No
18

19

20

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.
Do not include balances under a workout program

D

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.

D

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.

D

Page 12 of 54

N12.2
Mandatory

N12.2
Mandatory

N12.2
Mandatory

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
21

Field Name
Cycle Ending
Balances Mix Other

CycleEndingBalance
Other

Average Daily
Balance (ADB)

23

24

22

Static or Dynamic

Technical Field
Name

Description

Mandatory
or Optional

Format
N: Numeric
C: Character
N12.2

D

AverageDailyBalanc
e

All other balances outstanding at the end of the
current month's cycle ending date not included in
field No. 18, 19, and 20 If cycle ending balance
information is not available, report information at
the month-end reporting date.
Include balances under a workout program in this
field.
Report the average daily balance in the reporting
month or cycle.

Total Reward Cash

TotalRewardCash

a.

D

Mandatory

N12.2

Reward Type

RewardType

D

Mandatory

N1

Mandatory

Date
YYYYMMDD

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 0.
Report reward type in one of the following
categories.

Mandatory

D

N12.2
Mandatory

1 = Cash
2 = Miles
3 = None
4 = Other
25

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.

Page 13 of 54

D

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

Field Name

Static or Dynamic

Technical Field
Name

Description

Mandatory
or Optional

Format
N: Numeric
C: Character
Date
YYYYMMDD

26

Account
Origination Date

AccountOrigination
Date

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

S

Mandatory

27

Acquisition Date

AcqDate

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.

S

Mandatory

Date
YYYYMMDD

28

Multiple Banking
Relationships

MultipleBankingRel
ationshipFlag

Identify accounts that currently have other noncredit card banking relationships with the bank.

D

Mandatory

N1

D

Mandatory

N1

29

Multiple Credit
Card Relationships

MultipleCardRelatio
nshipFlag

1 = Deposit
2 = Trust or investment account
3 = Mortgage
4 = Home Equity
5 = Auto
6 = Student Loans
7 = Installment Loans
8 = More than one types
9 = Unknown
0 = No other products or cross-sellings
Report accounts where the bank has issued more
than one credit card to the primary or joint account
holder(s).
1 = Yes
0 = No

Page 14 of 54

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
30

Field Name
Joint Account

Static or Dynamic

Technical Field
Name
JointAccount

D

Mandatory

Format
N: Numeric
C: Character
N1

D

Mandatory

N5

D

Mandatory

N1

Description
Report whether the account has more than one
primary obligor. Exclude other authorized users.

Mandatory
or Optional

1 = Yes
0 = No
31

Authorized Users

AuthorizedUsers

32

Flagged as
Securitized

SecuritizedFlag

Report total number of authorized users including
primary obligors.
Identify whether the account has been securitized
(designated for inclusion in a master trust).
1 = Yes
0 = No

33

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).

S

Mandatory

N12

34

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.

S

Mandatory

N1

1 = Individual
2 = Household
3 = Other

Page 15 of 54

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

35

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.

D

Optional

Format
N: Numeric
C: Character
N12

36

Updated Income
Source

UpdatedBorrowerIn
comeType

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

D

Optional

N1

Field
No.

Field Name

Static or Dynamic

Technical Field
Name

Description

Mandatory
or Optional

1 = Individual
2 = Household
3 = Other
37

Date Refreshed
Income Obtained

DateUpdatedBorro
werIncome

Report the date the new income information was
received.

D

Optional

Date
YYYYMMDD

38

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, report that score here, provide the
score type and version in field 109, and a separate
document that is used to map the non-FICO score
to the FICO equivalent reported here. For Business
Cards, provide the score for the proprietor or
primary business owner. If the original FICO score is
not available, report as blank.

S

Mandatory

N3

Page 16 of 54

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

39

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

S

Mandatory

Format
N: Numeric
C: Character
N3

40

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, report that score here, provide the
score type and version in field 110, and a separate
document that is used to map the non-FICO score
to FICO equivalent reported here.

D

Mandatory

N3

41

FICO Score
Refresh Date

FicoScoreRefreshDa
te

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

D

Mandatory

Date
YYYYMMDD

42

Behavioral Score

BehavioralScore

Report the current internal behavior score available
for the account in the reporting month. If no score
is available, report as blank. Report the behavior
score name and version in field 111.

D

Optional

N10.6

Field
No.

Field Name

Technical Field
Name

Static or Dynamic
Description

Page 17 of 54

Mandatory
or Optional

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
43

Field Name
Original Credit
Limit

Technical Field
Name
OriginalCreditLimit

Static or Dynamic
Description
Report the amount of the credit line set by the card
issuer at origination. If not credit limit, report the
purchase or shadow limit. If credit limit is not
available, then report as blank.
A Shadow Limit is the maximum total outstanding
balance allowed on an account and is not
advertised to the account holder. A Shadow Limit
can fluctuate based on the outstanding balance of
the account holder during the course of a billing
cycle.
A Purchase Limit is the maximum amount that can
be purchased on an account in a given billing cycle
and is not advertised to the account holder.

Page 18 of 54

S

Mandatory
or Optional
Mandatory

Format
N: Numeric
C: Character
N12.2

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
44

Field Name
Current Credit
limit

Technical Field
Name
CurrentCreditLimit

Static or Dynamic

D

Mandatory

Format
N: Numeric
C: Character
N12.2

D

Mandatory

N12.2

Description
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. Report
the type of credit limit in field 112.
If unknown, report as blank.

Mandatory
or Optional

A Shadow Limit is the maximum total outstanding
balance allowed on an account and is not
advertised to the account holder. A Shadow Limit
can fluctuate based on the outstanding balance of
the account holder during the course of a billing
cycle.
A Purchase Limit is the maximum amount that can
be purchased on an account in a given billing cycle
and is not advertised to the account holder.
For Corporate accounts, report the limit at the
account level and not the relationship credit limit.
45

Current Cash
Advance Limit

CurrentCashAdvanc
eLimit

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

Page 19 of 54

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
46

Field Name
Line Frozen in the
current month

Static or Dynamic

Technical Field
Name
LineFrozenFlag

D

Mandatory

Format
N: Numeric
C: Character
N1

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

Mandatory
or Optional

1 = Yes
0 = No
47

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. Report if the line change
is proactive or reactive in field 113.
2 = Increase
1 = Decrease
0 = No change

D

Mandatory

N1

48

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.

D

Mandatory

N12.2

49

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.

D

Mandatory

N12.2

Page 20 of 54

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

Field Name

Static or Dynamic

Technical Field
Name

Description

Mandatory
or Optional

Format
N: Numeric
C: Character
Date
YYYYMMDD

50

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.

D

Mandatory

51

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.

D

Mandatory

N12.2

52

Total Past Due

TotalPastDue

Report the dollar amount of past due required
payments at the end of the current month’s cycle.

D

Mandatory

N12.2

53

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.

D

Mandatory

N3

54

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.

D

Mandatory

N1

1 = Yes
0 = No

Page 21 of 54

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
55

Field Name
Interest Type in
current month

Static or Dynamic

Technical Field
Name
InterestType

D

Mandatory

Format
N: Numeric
C: Character
N1

Description
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.

Mandatory
or Optional

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.
56

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.

D

Mandatory

N6.3

57

FeeType

FeeTypeFlag

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

D

Mandatory

N1

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

Page 22 of 54

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
58

Field Name
Month-end
Account Status Active

Technical Field
Name
MonthEndActiveFla
g

Static or Dynamic
Description
Indicate if the account has had any debit, credit, or
balance activity in the last twelve months at month
end
0 = Open & Active – account is open and has had
debit, credit or balance activity in the last twelve
month
1 = Open & Inactive – account is open, but has not
had any debit, credit, or balance activity in the last
twelve months
2 = Account is closed / not open - account is closed
and has no further charging privileges. Include
accounts in default and expired accounts.

Page 23 of 54

D

Mandatory
or Optional
Mandatory

Format
N: Numeric
C: Character
N1

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
59

Field Name
Month-end
Account Status Closed

Technical Field
Name
MonthEndClosedRe
vokedFlag

Static or Dynamic
Description

Mandatory
or Optional

D

Mandatory

D

Mandatory

Format
N: Numeric
C: Character
N1

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. The account may or may not have a
balance.
0 = No. The account is not closed and not
charged‐off.
1 = Yes closed, at the request of the borrower.
2 = Yes closed, not at the request of the borrower.
3 = Yes closed, borrower deceased.
4 = Yes closed due to charge off.
Charged off loans or closed loans are required to be
included up to twelve months after they are closed
or charged off.

60

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.

Page 24 of 54

Date
YYYYMMDD

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
61

Field Name
Charge-off Reason

Technical Field
Name
ChargeOffReasonCo
de

Static or Dynamic

D

Mandatory

Format
N: Numeric
C: Character
N1

D

Mandatory

N12.2

Description
Identify the reason for charge-off and loss
recognition on an account in the current month.

Mandatory
or Optional

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.
6 = Fraud – losses as a result of fraud, whether by
account holder or a third party.
62

Gross Charge-off
Amount – Current
Month

GrossChargeOffInC
urrentMonthAmou
nt

Report the total amount of gross charge-offs on the
account during the reporting month, including
charge-offs related to principal, interest and fees.
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.

Page 25 of 54

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
63

Field Name
Recovery Amount
– Current Month

Technical Field
Name
RecoveryAmount

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

D

Mandatory
or Optional
Mandatory

Format
N: Numeric
C: Character
N12.2

When possible assign recoveries at account level,
including bulk recoveries. For example, in some
instances it may be reasonable to establish a
relationship between recoveries (or recovery rate)
at the account level, exposure at default, and
potentially other account characteristics and this
stated relationship can be used in conjunction with
observed losses at a higher level of aggregation in
order to generate consistent losses at the account
level. This established relationship may be model
based in some cases or judgmentally based in
others.

64

Purchase Amount

PurchaseVolume

If it is not possible to reasonably assign recoveries
at the account level for any reason, report as blank
as indicated in the schedule's instructions.
Report the net purchase dollar volume during the
current month’s cycle

D

65

Cash Advance
Amount

CashAdvanceVolum
e

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

D

66

Balance Transfer
Amount

BalanceTransferVol
ume

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

D

Page 26 of 54

N12.2
Mandatory
Mandatory

N12.2

N12.2
Mandatory

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
67

68

Static or Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character
N12.2

Technical Field
Name

Description

Convenience
Check amount

ConvenienceCheck
Amount

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

D

Account Sold Flag

AccountSoldFlag

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

D

Mandatory

N1

D

Mandatory

N1

Field Name

Mandatory

1 = Yes
0 = No
69

Bankruptcy Flag

BankruptcyFlag

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.
1 = Yes
0 = No

70

Loss sharing

LossShare

Identify accounts that are part of a loss sharing
agreement.
1 = Yes
0 = No

D

Mandatory

N1

71

Basel II - PD

Basel2PD

Report the Basel II Probability of Default for the
account. More specifically, report the PD associated
with the account’s corresponding Basel II segment.
Example, a one in ten probability of default should
be reported as 0.1.
Basel fields 71,72,73,74, and 75 are applicable to
Basel reporting banks only.

D

Optional

N6.5

Page 27 of 54

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

72

Basel II - LGD

Basel2LGD

Report the Basel II Loss Given Default for the
account. More specifically, report the LGD
associated with the account’s corresponding Basel II
segment. Example, a ninety percent loss given
default should be reported as 0.9.

D

Optional

Format
N: Numeric
C: Character
N6.5

73

Basel II - ELGD

Basel2ELGD

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

D

Optional

N6.5

74

Basel II - EAD

Basel2EAD

Report the Basel II $ Exposure at Default for the
account. More specifically, report the EAD
associated with 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.

D

Optional

N12.2

75

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.

D

Optional

N7

Field
No.

Field Name

Technical Field
Name

Static or Dynamic
Description

Page 28 of 54

Mandatory
or Optional

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
76

Field Name
Corporate ID
(Effective for
submission of
June 2013 data)

Technical Field
Name
CorporateID

77

Variable Rate
Index
(Effective for
submission of
June 2013 data)

InterestRateIndex

78

Variable Rate
Margin
(Effective for
submission of
June 2013 data)
Maximum APR
(Effective for
submission of
June 2013 data)

InterestRateMargin

79

MaxAPR

Static or Dynamic

S

Mandatory

Format
N: Numeric
C: Character
C18

D

Mandatory

N2

D

Mandatory

N6.3

D

Mandatory

N6.3

Description
For corporate cards, a unique identifier that will be
the same for a given corporation 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.
For non-corporate card, report blank.
Report variable purchase APR (variable #55) index,
if a loan has a fixed purchase APR, report as 0.
0 – Fixed APR
1 – Prime Rate
2 – 1 month LIBOR
3 – 2 month LIBOR
4 – 3 month LIBOR
5 – 6 month LIBOR
6 – 12 month LIBOR
7 – 1 month Treasury Bill
8 – 3 month Treasury Bill
9 - 6 month Treasury Bill
10 – 12 month Treasury
11 – Others
Report variable purchase APR (variable #55) margin,
if a loan has a fixed purchase APR, report blank.

Report the maximum APR (rate cap) allowed for the
account during the reporting month.

Page 29 of 54

Mandatory
or Optional

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

Field Name

Technical Field
Name

80

Rate Reset
Frequency
(Effective for
submission of
June 2013 data)

RateResetFreq

81

Promotional APR
(Effective for
submission of
June 2013 data)
Cash APR
(Effective for
submission of
June 2013 data)

PromotionalAPR

82

CashAPR

Static or Dynamic

D

Mandatory

Format
N: Numeric
C: Character
N1

D

Mandatory

N6.3

D

Mandatory

N6.3

Description
Report the frequency for resetting the APR. If the
BHC does not have a reset schedule, report 6.
0 – Fixed rate no reset
1 – Monthly
2 – Every 2 months
3 – Every 3 months
4 – Every 6 months
5 – Every 12 months
6 - Others
Report the APR for the balance under promotion. If
there are multiple APRs, report the weighted
average promotional APR corresponding to Item
#18 Cycle Ending Balances Mix ‐ Promotional.
Report the contractual APR for the cash balance. If
there are multiple APRs, report the weighted
average promotional APR corresponding to Item
#19 Cycle Ending Balances Mix - Cash.

Page 30 of 54

Mandatory
or Optional

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
83

Field Name
Loss Share ID
(Effective for
submission of
June 2013 data)

Technical Field
Name
LossShareId

Static or Dynamic
Description
If the account is associated with a loss sharing
agreement, report a unique number generated by
the institution that can be used to separately
identify any reported loan associated with a specific
loss sharing agreement. A unique ID should be
generated for each active sharing agreement. The
specific ID should be consistent over time for as
long as the agreement remains active without a
relevant change in the terms of the loss sharing
agreement.
The institution should also provide a written
summary of the relevant terms of each loss sharing
agreement along with the corresponding
LossShareId number. Additional supporting
documentation may be requested if necessary.
Report blank if the account is not associated with a
loss sharing agreement.

Page 31 of 54

D

Mandatory
or Optional
Mandatory

Format
N: Numeric
C: Character
C7

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
84

Field Name
Loss Share Rate
(Effective for
submission of
June 2013 data)

Technical Field
Name
LossShareRate

Static or Dynamic

D

Mandatory

Format
N: Numeric
C: Character
N7.5

D

Mandatory

N12.2

D

Mandatory

N2

Description
If the account is associated with a loss sharing
agreement, report the percentage of credit loss that
the reporting institution will bear in the case of
default. For example, if the reporting institution
bears 20.8% of the credit losses in this portfolio
report 0.208.

Mandatory
or Optional

0 = Report the number zero if the account is not
associated with a loss sharing agreement.
2 = Report the number two if the account is
associated with a loss sharing agreement that is too
complex to be characterized by a simple loss share
rate. It is particularly important in this case that the
institution provides a written summary of the
relevant terms of each loss sharing agreement.
Additional supporting documentation may be
requested if necessary.
85

Other Credits
(Effective for
submission of
June 2013 data)

OtherCredits

86

Cycles Past Due at
Cycle Date
(Effective for
submission of
June 2013 data)

AccountCycleEndDe
linquency

Report the dollar amount of all credits (other than
cardholder payments) received during the current
month's cycle, including merchandise returns and
reward cash credits. Exclude fee reversals or
waivers, which are accounted for in the "Fees
Incurred" line item.
Report the number of cycles the account is past due
as of the current month's cycle date

Page 32 of 54

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
87

88

89

90

91

92

Field Name
Cycles Past Due at
Month-End
(Effective for
submission of
June 2013 data)
Finance Charge
(Effective for
submission of
June 2013 data)
Fees Incurred Late
(Effective for
submission of
June 2013 data)
Fees Incurred Over Limit
(Effective for
submission of
June 2013 data)
Fees Incurred NSF
(Effective for
submission of
June 2013 data)
Fees Incurred Cash Advance
(Effective for
submission of
June 2013 data)

Technical Field
Name

Description

AccountMonthEnd
Delinquency

Report the number of cycles the account is past due
on the last day of the current reporting month

D

Mandatory

Format
N: Numeric
C: Character
N2

FinanceCharge

Report the dollar amount of the net finance charges
assessed on the reporting month's statement. If
the account did not have finance charges on the
statement, report as zero.
Late Fee - assessed for late or nonpayment. Report
fees posted during current month's cycle.

D

Mandatory

N12.2

D

Mandatory

N12.2

FeeNetOverLimitA
mount

Over Limit Fee - assessed for account exceeding its
credit limit. Report fees posted during current
month's cycle.

D

Mandatory

N12.2

FeeNetNSFAmount

Non-sufficient Funds Fee (NSF) - assessed against
account when payment is returned unpaid because
of non-sufficient funds. Report fees posted during
current month's cycle.

D

Mandatory

N12.2

FeeNetCashAdvanc
eAmount

Cash Advance Fee - assessed for cash advances
made on the credit card. Report fees posted during
current month's cycle.

D

Mandatory

N12.2

FeeNetLateAmount

Static or Dynamic

Page 33 of 54

Mandatory
or Optional

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
93

94

95

96

97

Field Name
Fees Incurred –
Monthly/Annual
(Effective for
submission of
June 2013 data)
Fees Incurred Debt Suspension
(Effective for
submission of
June 2013 data)
Fees Incurred Balance Transfer
(Effective for
submission of
June 2013 data)
Fees Incurred Other
(Effective for
submission of
June 2013 data)
Debt
Suspension/Cance
llation Program
Enrollment
(Effective for
submission of
June 2013 data)

FeeNetMonthlyAnn
ualAmount

Monthly/Annual Fee - assessed for the privilege of
holding the credit card. Report fees posted during
current month's cycle.

D

Mandatory

Format
N: Numeric
C: Character
N12.2

FeeNetDebtSuspens
ionAmount

Debt Suspension/Cancellation Fee - assessed to
protect consumer in event of a significant life event
like the loss of a job. Report fees posted during
current month's cycle.

D

Mandatory

N12.2

FeeNetBalanceTran
sferAmount

Balance Transfer Fees - assessed for balances
transferred from another institution to this
cardholder's account. Report fees posted during
current month's cycle.

D

Mandatory

N12.2

FeeNetOtherAmou
nt

Other - All other fees not included elsewhere in this
report. Examples include convenience check fees
and foreign currency fees.

D

Mandatory

N12.2

DebtWaiverProgra
mEnrolFlag

Report whether the account is enrolled in a debt
waiver/cancellation program, including payment
protection plans
1 = Yes
0 = No

D

Mandatory

N1

Technical Field
Name

Static or Dynamic
Description

Page 34 of 54

Mandatory
or Optional

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
98

99

Field Name
Debt
Suspension/Cance
llation Program
Active
(Effective for
submission of
June 2013 data)
Cycle-end Account
Status - Active
(Effective for
submission of
June 2013 data)

DebtWaiverProgra
mActiveFlag

Report whether the borrower is receiving benefits
under a debt suspension/cancellation program,
including payment protection plans.
1 – Yes
0 – No

D

Mandatory

Format
N: Numeric
C: Character
N1

CycleEndActiveFlag

Indicate if the account has had any debit, credit, or
balance activity in the last twelve months as of cycle
end. If the account does not cycle in the current
month, report as blank.

D

Mandatory

N1

Technical Field
Name

Static or Dynamic
Description

0 = Open & Active – account is open and has had
debit, credit or balance activity in the last twelve
months
1 = Open & Inactive – account is open, but has not
had any debit, credit, or balance activity in the last
twelve months
2 = Account is closed / not open - account is closed
and has no further charging privileges. Include
accounts in default and expired accounts.

Page 35 of 54

Mandatory
or Optional

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
100

Field Name
Cycle-end Account
Status - Closed
(Effective for
submission of
June 2013 data)

Technical Field
Name
CycleEndClosedRev
okedFlag

Static or Dynamic

D

Mandatory

Format
N: Numeric
C: Character
N1

D

Mandatory

N1

D

Mandatory

N1

Description
Indicate if, in the current reporting cycle, the
account is closed or revoked and has no further
charging privileges. Include accounts in default, in
credit management programs and expired
accounts. The account may or may not have a
balance.

Mandatory
or Optional

0 = No. The account is not closed and not
charged‐off.
1 = Yes closed, at the request of the borrower.
2 = Yes closed, not at the request of the borrower.
3 = Yes closed, borrower deceased.
4 = Yes closed due to charge off.

101

Skip-a-payment
(Effective for
submission of
June 2013 data)

SkipaPaymentFlag

102

Credit Card
Workout Program
(Effective for
submission of
June 2013 data)

WorkoutProgramFl
ag

Report whether the account holder opted for a
promotional skip-a-payment during the reporting
month.
1 – Yes
0 – No
Report whether the account entered into any type
of workout program during the current reporting
month.
1 – Yes
0 – No
Report “No” if the BHC does not offer a workout
program.

Page 36 of 54

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
103

Field Name
Workout Program
Type
(Effective for
submission of
June 2013 data)

Technical Field
Name
WorkoutProgramTy
pe

Static or Dynamic
Description
For accounts in a workout program at month-end,
categorize the type of program in one of the
options below:
1 - External Program - a permanent external
program, often administered by a Consumer Credit
Counseling Service (CCCS).
2 - Internal Long-Term Program - an internal
program where terms have been modified and the
account holder is paying off outstanding balances
over an extended period. Include all programs with
enrollment durations in excess of 12 months.
3 - Internal Temporary Programs - an internal
program where terms are temporarily modified, not
to exceed 12 months, in recognition of short term
hardship.
4 - Settlement Programs - an agreement where the
lender will accept less than the full balance
outstanding to satisfy and close the account.
5 - Other - any other workout arrangement.
6 - Not Applicable – includes Service members Civil
Relief Act (SCRA) programs
Report as blank if the BHC does not offer workout
option.

Page 37 of 54

D

Mandatory
or Optional
Mandatory

Format
N: Numeric
C: Character
N1

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
104

105

Field Name
Workout Program
Performance
Status
(Effective for
submission of
June 2013 data)

Settlement
Portion Forgiven
(Effective for
submission of
June 2013 data)

Technical Field
Name
WorkOutProgramP
erformanceStatus

SettlementPortionF
orgivenAmount

Static or Dynamic

D

Mandatory

Format
N: Numeric
C: Character
N1

D

Mandatory

N12.2

Description
This field tracks the performance of borrowers in all
workout plans. These plans include the external
Consumer Credit Counseling Programs, as well as,
internal long-term and temporary programs.
Report performance as of the reporting date in one
of the following categories:
1 - Active and Performing - the borrower is
performing as scheduled under the terms of an
executed workout program.
2 - Active and Non-Performing - the borrower is in a
workout plan but is currently delinquent but not yet
has defaulted
3 - Broken - the borrower has defaulted on the
terms of an executed plan during the month. Use
the bank's internal definition of broken.
Report as blank if the BHC does not offer workout
option.
For any account for which the "Settlement" option
has been selected under the Workout Program
type, report the total amount of the outstanding
balance forgiven in the current month. Report as
blank if the BHC does not offer workout option.

Page 38 of 54

Mandatory
or Optional

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

Field Name

106

Customer Service
Re-age Date
(Effective for
submission of
June 2013 data)

CustomerServiceRe
ageDate

107

Principal Chargeoff Amount –
Current Month
(Effective for
submission of
June 2013 data)

PrincipalChargeOffI
nCurrentMonthAm
ount

108

Fraud in the
current month
(Effective for
submission of
June 2013 data)

Static or Dynamic

Technical Field
Name

FraudFlag

Description
Report the date of the last re-age performed by any
customer service rep (for example, in response to
an erroneous payment posting or other similar nonperformance issue.)
Customer service re-ages occur anytime an
account's delinquency status is changed by
someone or through some program outside of the
established collections program - this includes
moving a current account to delinquent (say due to
NSF insufficient funds) or moving a deliquent
account to current.
Report the total amount of any principal writedowns (or principal reversals) 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. Do
not report write-downs related to fees , finance
charges and other non-principal writedowns that
are included in Gross Charge-off Amount – Current
Month.
Value will only be populated in month charged-off.
Report whether the account was frozen due to
potential fraud or closed for cause at the conclusion
of a fraud investigation in the current reporting
month.
1 - Yes
2 – No

Page 39 of 54

Mandatory
or Optional

Format
N: Numeric
C: Character
Date
YYYYMMDD

D

Mandatory

D

Mandatory

N12.2

D

Mandatory

N1

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
109

110

Field Name
Original Credit
Score
Name/Version
(Effective for
submission of
June 2013 data)

Refreshed Credit
Score
Name/Version
(Effective for
submission of
June 2013 data)

Technical Field
Name
OriginalCreditScore
NameVersion

RefreshedCreditSco
reNameVersion

Static or Dynamic

D

Mandatory

Format
N: Numeric
C: Character
N2

D

Mandatory

N2

Description
Report the name/version of the internal or other
bureau score that was used to map to a FICO
equivalent reported in field 38. If the BHC does not
know the original credit score name/version, report
as blank.
1 = Vantage Score
2 = External custom Score
3 = Internal Score
4 = FICO Industry
5 = FICO NextGen
6 = FICO Expansion Score
7 = FICO08
8 = Classic FICO
0 = Others
Report the name/version of the internal or other
bureau score that was used to map to a FICO
equivalent reported in field 40. If the BHC does not
know the credit score name/version, report as
blank.

1 = VantageScore
2 = External custom Score
3 = Internal Score
4 = FICO Industry
5 = FICO NextGen
6 = FICO Expansion Score
7 = FICO08
8 = Classic FICO
0 = Others

Page 40 of 54

Mandatory
or Optional

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
111

112

Field Name
Behavioral Score
Name/Version
(Effective for
submission of
June 2013 data)
Credit Limit Type
(Effective for
submission of
June 2013 data)

Technical Field
Name

Description

Static or Dynamic

BehavioralScoreNa
meVersion

Report the name and version of the behavior score
reported in field 42.

S

Optional

Format
N: Numeric
C: Character
C30

CreditLimitType

Report the type of credit limit reported in field 44
when there is no credit limit.

D

Mandatory

N1

A Shadow Limit is the maximum total outstanding
balance allowed on an account and is not
advertised to the account holder. A Shadow Limit
can fluctuate based on the outstanding balance of
the account holder during the course of a billing
cycle.
A Purchase Limit is the maximum amount that can
be purchased on an account in a given billing cycle
and is not advertised to the account holder.
If the credit limit reported in field 44 (Current Credit
Limit) is not a shadow or purchase limit, leave the
field blank.
For Corporate accounts, report the limit type at the
account level and not the relationship credit limit.
1 = Purchase Limit
2 = Shadow Limit

Page 41 of 54

Mandatory
or Optional

FR Y-14M
OMB Number 7100-0341
Expiration date December 31, 2014
Field
No.
113

114

115

Field Name

Technical Field
Name

Credit Line
Change Type
(Effective for
submission of
June 2013 data)

CreditLineChangeTy
pe

Date Co-Borrower
Was Added
(Effective for
submission of
June 2013 data)
Entity Type
(Effective for
submission of
June 2013 data)

CoBorrowerAddDat
e

EntityType

Static or Dynamic
Description
Report the line change reported in field 47 is
proactive (bank-initiated) or reactive (borrower
request).
1 = Proactive
2 = Reactive
3 = Unknown
0 = No line change
Report the date the co-borrower was added to the
account.

Report the entity type that owns the reported loan.
Entity type refers to the legal form or charter of the
subsidiary of the BHC that owns the reported loan.
1 = National Bank
2 = State Member Bank
3 = Nonmember Bank
4 = State Credit Union
5 = Federal Credit Union
6 = Non-bank Subsidiary
0 = Other

Page 42 of 54

Mandatory
or Optional

Format
N: Numeric
C: Character
N1

D

Mandatory

D

Optional

Date
YYYYMMDD

D

Mandatory

N1

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

2. Portfolio Level

Field No.

Field Name

Technical
Field Name

Description

Static or
Dynamic

Mandatory or
Optional

Format
N: Numeric
C: Character
C18

1

BankId

BankId (PK)

Identifies the bank.

S

mandatory

2

PeriodId

PeriodId (PK)

Identifies the reporting period. Reporting period is the
period (month) over which account metrics are reported.

D

mandatory

Date
YYYYMMDD

3

Credit Card
Type

CreditCardTy
pe (PK)

Report portfolio level information in one of the following
categories:

D

mandatory

N1

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.

Page 43 of 54

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

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.

Page 44 of 54

Static or
Dynamic

Mandatory or
Optional

D

mandatory

Format
N: Numeric
C: Character
N1

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

D

mandatory

Format
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.

D

mandatory

N12.4

Number of
Accounts

NumberAcco
unt

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

D

mandatory

N12.4

Total Number
of New
Accounts
ALLL
Managed
Balance

NumberNew
Accounts

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

D

mandatory

N12.4

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.

D

mandatory

N12.4

Field Name

Technical
Field Name

5

End of Month
Managed
Receivables

MonthEndMa
nagedReceiva
bles

6

End of Month
Book
Receivables

7

8

Field No.

9

Description

Page 45 of 54

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

Mandatory or
Optional

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

D

mandatory

Format
N: Numeric
C: Character
N12.4

ProjectedMa
nagedLosses

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

D

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).

D

mandatory

N12.4

D

mandatory

N12.4

14

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).

D

mandatory

N12.4

15

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.

D

mandatory

N12.4

Field Name

Technical
Field Name

10

ALLL Booked
Balance

ALLLBookedB
alance

11

Projected
Managed
Losses

12

Field No.

13

Description

Page 46 of 54

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

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.

D

mandatory

Format
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.

D

mandatory

N12.4

18

Booked
Recoveries

BookedRecov
eries

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

D

mandatory

N12.4

19

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.

D

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.

D

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.

D

mandatory

N12.4

Field No.
16

17

20

21

Field Name

Technical
Field Name

Description

Page 47 of 54

Static or
Dynamic

Mandatory or
Optional

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

Field No.
22

23

24

25

26

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.

D

mandatory

Format
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.

D

mandatory

N12.4

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

LoanLossProv
isionExpense

Report Loan Loss Provision Expense during the month

D

mandatory

N12.4

ProvisionExp
enseTaken

Report Provision expense taken during the month.

D

mandatory

N12.4

ProvisionExp
enseBuild

Report additional provision built up during the month.
Provision build equals: provision expense + recoveries charge-offs against the ALLL.
Reporting procedures may vary across Banks. Typically
Loan Loss Provision Expense (Field #24) will be the sum of
Loan Loss Provision Taken (Field #25) and Loan Loss
Provision Build (Field #26).

D

mandatory

N12.4

Field Name

Technical
Field Name

Description

Page 48 of 54

Static or
Dynamic

Mandatory or
Optional

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

Mandatory or
Optional

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.

D

mandatory

Format
N: Numeric
C: Character
N12.4

InterestExpen
se

Total interest expense accrued for the month to fund
credit card receivables.

D

mandatory

N12.4

TotalNonInte
restExpense

Total Non Interest Expense

D

mandatory

N12.4

InterchangeE
xpense

Interchange Expense - interchange fees paid to the card
associations.

D

mandatory

N12.4

Field Name

Technical
Field Name

27

Extraordinary
Items

ExtraOrdinary
Items

28

Interest
Expense
(Effective for
submission of
June 2013
data)
Total NonInterest
Expense
(Effective for
submission of
June 2013
data)
Total NonInterest
Expense Interchange
Expense
(Effective for
submission of
June 2013
data)

Field No.

29

30

Description

Page 49 of 54

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

Field No.
31

32

33

Field Name
Total NonInterest
Expense Rewards/Reb
ates Expense
(Effective for
submission of
June 2013
data)
Total NonInterest
Expense Collections
Expense
(Effective for
submission of
June 2013
data)
Total NonInterest
Expense Fraud
Expense
(Effective for
submission of
June 2013
data)

RewardsExpe
nse

Rewards/Rebates - expenses associated with reward and
rebate programs for credit cards.

D

mandatory

Format
N: Numeric
C: Character
N12.4

CollectionsEx
pense

Collections - report cost incurred to collect problem
credits.

D

mandatory

N12.4

FraudExpens
e

Fraud - losses incurred as a result of fraudulent activity

D

mandatory

N12.4

Technical
Field Name

Description

Page 50 of 54

Static or
Dynamic

Mandatory or
Optional

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

Field No.
34

35

36

37

Total NonInterest
Expense - All
Other
Expenses
(Effective for
submission of
June 2013
data)
Interest
Income
(Effective for
submission of
June 2013
data)
Fee Income
(Effective for
submission of
June 2013
data)

OtherNonInt
erestExpense

All Other Expenses - report all other operating and other
expenses associated with card operations. This includes
servicing, cardholder billing, processing interchange,
processing payments, card issuing, authorizations, card
administration and outside services/outsourcing expenses,
etc.

D

mandatory

Format
N: Numeric
C: Character
N12.4

InterestInco
me

D

mandatory

N12.4

D

mandatory

N12.4

Fee Income Late Fee
Income
(Effective for
submission of
June 2013
data)

LateFeeInco
me

Report total interest accrued and billed on credit card
receivables for the month, less any interest waived or
reversed as uncollectible or any amount added to a contraasset account for uncollectible interest that the bank
maintains and reports separately from the ALLL. Do not
include fee income in this category.
Report total fees assessed on credit card accounts during
the month, less any fee waived or reversed as uncollectible
or any amount added to a contra-asset account for
uncollectible fees that the bank maintains and reports
separately from the ALLL. Interchange, annual and debt
suspension/cancellation fees should not be reported here
Late Fees - fee assessed for late or nonpayment on
account.

D

mandatory

N12.4

Field Name

Technical
Field Name

TotalFeeInco
me

Description

Page 51 of 54

Static or
Dynamic

Mandatory or
Optional

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

Field No.
38

39

40

41

Field Name
Fee Income Over Limit
Fee Income
(Effective for
submission of
June 2013
data)
Fee Income Balance
Transfer Fee
(Effective for
submission of
June 2013
data)
Fee Income Convenience
Check Fee
(Effective for
submission of
June 2013
data)
Fee Income Cash Advance
Fee
(Effective for
submission of
June 2013
data)

OverLimitFee
Income

Over Limit Fees - fee assessed for account going over
established credit limit.

D

mandatory

Format
N: Numeric
C: Character
N12.4

BalanceTrans
ferFeeIncome

Balance Transfer Fees - fee assessed for transferring
balances from another source outside the bank, such as
another financial institution's credit card to a credit card at
this bank.

D

mandatory

N12.4

Convenience
CheckFeeInco
me

Convenience Check Fees – fee assessed for use of checks
provided to access available credit on the account.

D

mandatory

N12.4

CashAdvance
FeeIncome

Cash Advance Fees - fee assessed for cash advances on the
account.

D

mandatory

N12.4

Technical
Field Name

Description

Page 52 of 54

Static or
Dynamic

Mandatory or
Optional

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

Field No.
42

43

44

45

Field Name
Fee Income NSF Fee
(Effective for
submission of
June 2013
data)
Fee Income Other Fee
Income
(Effective for
submission of
June 2013
data)
Interchange
Income
(Effective for
submission of
June 2013
data)
All Other
Non-Interest
Income
(Effective for
submission of
June 2013
data)

NSFFeeIncom
e

NSF Fees - fee assessed for payments returned unpaid.

D

mandatory

Format
N: Numeric
C: Character
N12.4

OtherFeeInco
me

Other Fee Income - other activity-based fees assessed on
an account, such as foreign exchange conversion fees, not
reported in Fields 37-42 but included in Field 36.

D

mandatory

N12.4

InterchangeIn
come

Interchange Income - interchange fees received from the
card associations.

D

mandatory

N12.4

OtherNonInt
erestIncome

All Other Non-Interest Income - any othernon-interest
income as a part of total income that is not reported in
fields 35, 36 (summation of 37-43) , and , including annual
fees, debt suspension/cancellation product fees, etc.,
associated with card operations.

D

mandatory

N12.4

Technical
Field Name

Description

Page 53 of 54

Static or
Dynamic

Mandatory or
Optional

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

Field No.
46

Field Name
Taxes
(Effective for
submission of
June 2013
data)

Technical
Field Name
Taxes

Description
Tax expense applicable to credit card income.

Page 54 of 54

Static or
Dynamic

Mandatory or
Optional

D

mandatory

Format
N: Numeric
C: Character
N12.4