Form FR Y14M FR Y14M FRY14M Form and Instructions

Capital Assessment and Stress Testing

FR_Y-14M_Instructions and form_20140930_f

Domestic Home Equity Residential Mortgage & Address Matching - Monthly

OMB: 7100-0341

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Version as of October 10, 2014

OMB No. 7100-0341
Expiration Date: October 31, 2017

Instructions for the
Capital Assessments and Stress Testing information collection
(Reporting Form FR Y-14M)

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 this information collection is estimated to be
approximately 510 hours per response, including 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.

General Instructions ......................................................................................................................................................... 3
Schedule A: Domestic First Lien Closed-end 1-4 Family Residential Loan Data Dictionary ............................................ 7
A.1 LOAN LEVEL TABLE ...................................................................................................................................................................... 10
A.2 PORTFOLIO LEVEL TABLE .............................................................................................................................................................. 95

Schedule B: Domestic Home Equity Loan and Home Equity Line Data Dictionary ....................................................... 96
B.1 LOAN/LINE LEVEL TABLE .............................................................................................................................................................. 99
B.2 PORTFOLIO LEVEL TABLE ............................................................................................................................................................ 136

Schedule C: Address Matching Loan Level Data Collection ......................................................................................... 137
C.1 DATA TABLE ............................................................................................................................................................................. 139

Schedule D: Domestic Credit Card Data Collection Data Dictionary ............................................................................ 143
D.1 LOAN LEVEL TABLE .................................................................................................................................................................... 145
D.2 PORTFOLIO LEVEL TABLE ............................................................................................................................................................ 183

INSTRUCTIONS FOR PREPARATION OF
Capital Assessments and Stress Testing Report
FR Y-14M
General Instructions
The Capital Assessments and Stress Testing Report (FR Y-14M report) collects detailed data on bank holding
companies’ (BHCs) loan portfolios, which will be used to support supervisory stress testing models and for
continuous monitoring efforts. The FR Y-14M report is comprised of three loan- and portfolio-level
collections, and one detailed address matching collection. These consist of Domestic First Lien Closed-end 14 Family Residential Loan, Domestic Home Equity, Address Matching, and Domestic Credit Card data
collections. The number of schedules a BHC must complete is subject to materiality thresholds and certain
other criteria.
The FRY-14M report instructions are in data dictionary format. The individual report instructions contain
specifications of line item names and formats, item descriptions, and indicate whether items are mandatory
or optional. For information regarding technical specifications please see “How to Prepare the Reports”
below, as well as the general instructions for individual collections.

Who Must Report

A. Reporting Criteria

Bank holding companies (BHCs) with total consolidated assets of $50 billion or more, as
defined by the capital plan rule (12 CFR 225.8), are required to submit the Capital
Assessment and Stress Testing report (FR Y-14A/Q/M) 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). Total assets shall
be calculated based on the due date of the bank holding company’s most recent FR Y-9C. If
the BHC has not filed an FR Y-9C for each of the four most recent quarters, the average of the
BHC’s total consolidated assets in the most recent consecutive quarters as reported quarterly
on the BHC’s FR Y-9C should be used in the calculation.

Certain data elements within the schedules are subject to materiality thresholds. The
instructions to these data schedules provide details on how to determine whether a BHC must
submit a specific data collection or data element. Material portfolios are defined as those with
asset balances greater than five billion or asset balances greater than five 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 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 also have the option to complete the data schedules for immaterial portfolios.

B. Exemptions

BHCs that do not meet the reporting criteria listed above are exempt from reporting. The
following institutions are also exempt:
(1) BHCs, savings and loan holding companies (SLHCs) and state member banks
(SMBs) with average total consolidated assets of greater than $10 billion but less
than $50 billion subject to the final rule on annual company-run stress tests (12
CFR 252(h)) are not required to file this report. However, institutions meeting this
threshold should review the reporting requirements and instructions for the
Annual Company-Run Stress Test Projections (FR Y-16) on the Board’s public
website.
(2) SLHCs are currently not required to comply with FR Y-14 reporting
requirements. Further information regarding reporting for SLHCs will be
provided in the future. 1

Where to Submit the Reports

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.

When to Submit the Reports

BHCs must file the FR Y-14M schedules monthly as-of the last business day of each calendar month. The
reported data is to be submitted by the 30th calendar day after the last business day of the preceding
calendar month. All submissions will be due on or before the end of the submission date (unless that day falls
on a weekend (subject to timely filing provisions)).

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. Early submission,
including submission of schedules on a flow basis prior to the due date, aids the Federal Reserve in reviewing
and processing data and is encouraged.

For new reporters of the FR 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.

How to Prepare the Reports:
A. Applicability of GAAP

BHCs are required to prepare and file the FR Y-14M schedules in accordance with generally accepted
accounting principles (GAAP) and these instructions. The financial records of the BHCs should be
maintained in such a manner and scope to ensure the FR Y-14M is prepared in accordance with these
1

SLHCs would not be subject to Dodd-Frank annual company-run stress testing requirements until the next
calendar year after the SLHCs become subject to regulatory capital requirements.
4

instructions and reflects a fair presentation of the BHCs' financial condition and assessment of performance
under stressed scenarios.

B. Rules of Consolidation

Please reference the FR Y-9C General Instructions for a discussion regarding the rules of consolidation.

C. Technical Details

The following instructions apply generally to the FR Y-14M schedules, unless otherwise specified. Please
refer to the general instructions for each data dictionary and data collection for further information on the
technical specifications.
• Ensure that any internal consistency checks are complete prior to submission.
• Dates should be entered in an YYYYMMDD format (unless otherwise indicated).
• Report negative numbers with a minus sign (-).
• An amount, zero or null should be entered for all items, except in those cases where other
options such as “not available” or “other” are specified. If information is not available or not
applicable and no such options are offered, the line item should be left blank.
• 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. Line items should be delimited
with a vertical bar (|, ASCII decimal 124, ASCII hexadecimal 7C).

D. Other Instructional Guidance

BHCs should review the following published documents (in the order listed below) when determining the
precise definition to be used in completing the schedules. Where applicable, references to the FR Y-9C have
been provided in the instructions and templates noting associations between the reporting series.
1) The FR Y-14M instructions;
2) The FR Y-14Q/A instructions;
3) The latest available FR Y-9C instructions published on the Federal
Reserve’s public web site: http://www.federalreserve.gov/reportforms;

E. 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.

F. Amended Reports

The Federal Reserve will require the filing of amended reports if previous submissions 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.

If resubmissions are required, institutions should contact the appropriate Reserve Bank, as well as the
FR Y-14 mailbox at [email protected], and resubmit data via the Intralinks website.

G. Legal Considerations for International Exposures

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.

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 justifying omission
of the data from the report, and any additional information required by the Federal Reserve.

H. Questions and Requests for Interpretations

BHCs should submit any questions or requests for interpretations by e-mail to [email protected].

Definition of Commercially Available Credit Bureau Score:

For the purposes of the FR Y-14M, a credit score is a numerical value or a categorization derived from a
statistical tool or modeling system that characterizes the credit risk of a borrower used by a person who
makes or arranges a loan to predict the likelihood of credit default. A credit bureau score is a credit score
based solely on the borrower’s credit history available through one of the three national credit reporting
agencies (Equifax, Experian, and TransUnion).

A commercially available credit bureau score is a credit bureau score which is available to all commercial
lenders. For example, FICO 08 and VantageScore 3.0 are commercially available credit scores, while
internally developed credit scores and custom scores tailored to a lender’s own portfolio and provided by
third parties are not commercially available credit scores.
For a commercially available credit bureau score to qualify for submission in this schedule, the Federal
Reserve must be able to obtain sufficient information from the credit score vendor to (a) determine
whether the credit score is empirically derived and demonstrably sound (b) evaluate the performance of
the credit score and (c) compare that performance to other commercially available credit bureau scores.
The Federal Reserve reserves the right to determine whether a credit score qualifies as a commercially
available credit bureau score for the purposes of this schedule.

Most Recent Capital Framework:
For all items and instructions related to regulatory capital, particularly where the “most recent capital
framework” is referenced, respondents should refer to 12 CFR parts 208, 217, and 225.

Schedule A: Domestic First Lien Closed-end 1-4 Family Residential Loan Data
Dictionary
Loan Population
•

•

•
•
•
•
•
•

•

The relevant loan population includes all loans directly held on the BHC’s portfolio and all loans
serviced by the BHC in that period. Loans should be reported based on their classification on the FR Y9C, Schedule HC-C (i.e. based on the loans security, counterparty, or purpose). Refer to the FR Y-9C
instructions for Schedule HC-C for guidance on loan classification. Please note, lien status (first, junior,
etc.) is considered an origination attribute. Below is a list of FR Y-9C items that are considered
applicable loans for this schedule:
o Portfolio loans are defined as all loans meeting the definition of FR Y-9C, Schedule HC-C, item
1.c.(2)(a) (first lien closed-end loans secured by 1-4 family residential real estate).
o Serviced loans include those meeting the definition of first lien loans reported in FR Y-9C,
Schedule HC-S, item 1 column A, Schedule HC-S item M.2.a, Schedule HC-S, item M.2.b, and
Schedule HC-S, item M.2.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. For
purposes of this schedule, liquidated is defined as inventory that has been sold or has been
otherwise disposed of.
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. However, REO balances should
not be included in the Portfolio Level Table.
Please note that BHCs will continue to report data on the loans which become REO loans using a
consistent loan number throughout the history of the loan. Please ensure that the loan number, once
assigned to a loan, is not changed as a result of sub servicing or any related aspects.
For loans secured by multiple pieces of collateral, only report the loan as REO when all the collateral
backing the loan has become REO and the loan has been terminated.
For commercial real estate (CRE) or business purpose loans collateralized by multiple 1-4 family
residential properties, place values to the best of your ability.
If the loan is a commercial purpose loan then only report attributes that are unique to the facility as a
whole.
For loans serviced for others, report the full outstanding balance on the loan. Participated loans should
be included in this schedule and institutions should report the total loan balance as bank owned.
For all line items, institutions should enter an amount, enter zero, or leave blank except in those cases
where other options such as “not available” or “other” are specified. If information is not available or
not applicable and no such options are offered, the line item should be left blank.
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 Y-14M 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.

Additional Formatting
•
•

•

•
•
•
•
•
•

The collection includes both loan level and portfolio level variables.
The institutions should provide the loan level data each month in a single text file. 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.
Institutions should provide a separate text file for the portfolio level variables. 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 portfolio segment. Portfolio segments are
defined as:
1. Serviced – All serviced loans.
2. Portfolio HFI Purchased Impaired – All portfolio loans/lines acquired with deteriorated
credit quality and accounted for in accordance with ASC subtopic 310-30 (formerly AICPA
statement of position 03-3), as defined in the FR Y-9C, Schedule HC-C, item M.5.
3. Portfolio HFI FVO / HFS – All portfolio loans held for investment measured at fair value
under a fair value option or held for sale.
4. Other Portfolio – All portfolio loans that are not measured at fair value, not purchase
impaired, and not serviced.
Options for all line items are comprehensive in identifying a valid value for all loans regardless of status.
If a mandatory line item is unknown or unavailable and the line item definition does not indicate
‘Unknown’ as a valid line item option, the line item should be left blank and it will be treated as missing
data. Also, if a line item does not apply to the loan, the line item should be left blank.
For loan 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.
Optional and best efforts line items 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.
For any line item 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: For a data item defined as Character (2), if the respondent is to report the value ‘1’,
then the respondent should submit only the character ‘1.’ The respondent should not submit
‘01’, ‘1’, ‘1’, or any other combination that includes a second character.
8

•

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. 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 regarding the line items 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_FIRSTLIEN_LOANLEVEL___.TXT

FRY14_FIRSTLIEN_PORTFOLIOLEVEL___.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 Schedule, BHCs should provide the data each month in a single pipe‐delimited
text file. Line items should be delimited with a vertical bar (‘|’, ASCII decimal 124, ASCII hexadecimal 7C).

Example:

Institution A has ID_RSSD equal to 999999. For the First Lien Loan level data file submitted for period
201206, the file would be named as FRY14_FIRSTLIEN_LOANLEVEL_999999_201206_01.TXT. Any
subsequent revised First Lien Loan level file submitted by the institution for the same period will be named
as FRY14_FIRSTLIEN_LOANLEVEL_999999_201206_02.TXT, and so on

A.1 Loan Level Table
Line Item
No.
1

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Loan Number

M142

Loan Number - Report an
identifier for a loan that will be
the same from month to month.
Reference numbers may be
used in lieu of actual loan
numbers as long as it meets
these criteria.

A contributor-defined alphanumeric value up to 32
characters. Please refer to
additional details listed on Page
8 of this document.

Format, Line
Item Length
Character (32)

This loan identifier must
uniquely identify any loan in
the file. It must identify the loan
for its entire life and must be
unique (piggy-backs should be
separated).
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.
Note that the FR Y‐14M data

Line Item
No.

Line Item Name

Loan Closing Date

MDRM (CCFL)

M143

Detailed Description
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.
Loan Closing Date – Report the
date the loan originally closed.

Allowed Values

Format, Line
Item Length

YYYYMMDD

If the loan closing date is not
available, then the origination
date on the loan can be used
instead to populate this line
item.
3

First Payment Date

M144

This line item will be used to
determine the loan’s vintage.
First Payment Date – Report
the date the borrower was
scheduled to make the first
payment on the loan, or first
started making payments on
the loan.

This line item may be provided
on a best efforts basis for loans
serviced for others and loans
acquired through mergers and
acquisitions.
11

Line Item
No.
4

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Property State

9200

Property State – Report the
state in which the property is
located.

Two-letter postal codes for the
state.

Property ZIP Code

9220

Original Loan
Amount Disbursed

M147

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

Character(5)

Property Zip Code – Report the
five-digit ZIP code.

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

Whole Number

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

Whole Number

Provide as a fraction. E.g.:
0.8 for 80%
1.05 for 105%

Numeric, to 2
decimals

Original Property
Value

M148

Original LTV

M149

Original Loan Amount
Disbursed – Report the dollar
amount of the funds disbursed
to the borrower at the time of
loan closing.

Amount of loan rounded to the
nearest whole dollar.
Original Property Value –
Report 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 mortgage at origination.
Original LTV – Report the
original loan-to-value (LTV)
ratio, which is the original loan
amount divided by the lesser of
the selling price or the
appraised value of the property
securing the mortgage at
origination.

Format, Line
Item Length
Character (2)

Line Item
No.
9

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Original Combined
LTV

M150

Original Combined LTV –
Report the original combined
loan-to-value (CLTV) ratio,
which is the original first loan
amount and any junior liens at
the time of origination divided
by the lesser of the selling price
or the appraised value of the
property securing the mortgage
at origination.

Provide as a fraction. E.g.:
0.8 for 80%
1.05 for 105%

Report how the borrower’s
income levels were
documented at time of
origination.

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

Income
Documentation

M151

This line item may be provided
on a best efforts basis for loans
serviced for others and loans
acquired through mergers and
acquisitions.

• Full – The borrower provided
full verification of income levels
via W2, pay stubs, tax returns,
etc.; assets were verified; and
other underwriting criteria
were documented.
• Alt / Low - The mortgages
qualified and underwritten
under lender programs
designed without requiring
verification of employment,
assets, mortgage/rental history

Format, Line
Item Length
Numeric, to 2
decimals

Character (1)

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

and/or DTI (debt to income
ratio) of the borrower. This
categorization applies to any
combination of the
aforementioned limited
documentation standards,
excluding Stated Income
programs.

• 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.

This line item may be provided
on a best efforts basis for loans
serviced for others and loans
acquired through mergers and
acquisitions.
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.

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Whole Number, e.g.,: 36, 42

Whole Number

“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.

Debt to Income
(DTI) Back-End at
Origination

M152

Respondents should populate
this line item in all cases. If the
respondent is unable to sub
classify the borrower’s
documentation level, report
using the "7 Stated Unknown"
option.
Debt to Income (DTI) – Report
the DTI ratio. This ratio is the
percent of a borrower’s total
monthly debt payments
(including proposed housing
expenses) divided by his or her
gross monthly income, used to
determine the mortgage
amount that qualifies a
borrower.
This line item may be provided
on a best efforts basis for loans
serviced for others and loans
acquired through mergers and
acquisitions.
Back-end DTI ratios give the
percentage of monthly income
necessary to cover all of the

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Whole Number, e.g.,: 36, 42

Whole Number

borrower’s debt obligations.

Debt to Income
(DTI) Front-End at
Origination

Origination Credit
Bureau Score

M153

M154

DTI Ratio (Front-end) at
origination – Report the Frontend DTI (PITI Housing Ratio) at
origination of the mortgage.

Whole Number

Line Item
No.
14

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Occupancy

M155

Credit Class

M156

Report Occupancy related
information available on the
mortgage at the time of
origination.

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

Credit Class – Report the
servicer defined Prime, Alt-A,
and Non-prime designation.
Please note that this is a
servicer defined line item.

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

Format, Line
Item Length
Character(1)

Character(1)

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 line
items in the FR Y-14M First
Lien and Home Equity
schedules allow servicerdefined categories of Prime,
Non-Prime and Alt-A
mortgages, these definitions
should be consistent across
time periods within a single FR
Y-14M submission and
consistent across multiple FR
Y-14M submissions over time.

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Loan Type

M157

Report the product group (i.e.
loan type). Loan type should
reflect the loan type at the time
of origination.

Loan Type Coding
1 = FHA Residential
2 = VA Residential
3 = Conventional without
Private Mortgage Insurance
4 = CRA
5 = FHA Project
6 = Conventional with Private
Mortgage Insurance
7 = HUD 235 Loans
Y = Other
U = Unknown

Character(1)

• FHA Residential - Loans
insured by the Federal Housing
Administration
• VA Residential - Loans
insured by the Department of
Veterans Affairs

• Conventional without Private
Mortgage Insurance Conventional w/o PMI –
Mortgages with neither
government nor private
mortgage insurance
• CRA (Community
Reinvestment Act)
•FHA Project

•Conventional with Private
Mortgage Insurance Conventional with PMI – Nongovernment insured mortgages
insured by a private (non-

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

1 = First lien
2 = Second lien
3 = Third lien or greater
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)

government) insurer
• HUD 235 Loans
• Other
17

Lien Position at
Origination

M158

Loan Source

M159

• Unknown
Lien Position at Origination –
Report the position of this loan
relative to any additional liens
on the property. If there are no
additional liens, loan is in first
position. If lien position is
greater than 3, then code as “3”.
Report the source by which the
servicer originated or
otherwise acquired the
mortgage. 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 mortgages
originated through the
reporting institution’s retail,
including branch or internet,
production channel.

• Wholesale (Broker) - Report
all mortgages originated
through the reporting
institution's wholesale/broker

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

production channel. Report as
broker originated all thirdparty originated loans where
the bank cannot distinguish
between broker and
correspondent originated.

• Correspondent - Mortgages
acquired through the reporting
institution's correspondent
production channel. This
includes all mortgage 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 thirdparty originated loans when
the bank cannot distinguish
between broker and
correspondent originated.

• Bulk Purchase – Pools of
mortgage whole loans
purchased from a third party
originator for the right to
securitize or retention in the
bank-owned portfolio.
Residential Mortgages acquired
for the Servicing Portfolio in
this manner are typically
negotiated as one-time

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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.

• 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.
• Wealth Management/Private
Banking – report all loans
originated through a servicer’s

Line Item
No.

Line Item Name

Product Type Current

MDRM (CCFL)

M160

Detailed Description
private wealth management or
private banking division.

Product Type –Report the
product type as of the reporting
month.
Identifies the product type of
the mortgage including the
interest type, amortization
term and initial fixed period for
hybrid products.

Fixed 30 – Fixed rate
amortizing loans with a 30 year
loan term. Also include fixed
rate loans where loan term is
greater than 20 and less than
30 years.

Fixed 20 – Fixed rate
amortizing loans with a 20 year
loan term. Also include fixed
rate loans where loan term is
greater than 15 and less than
20 years.

Allowed Values

Format, Line
Item Length

Product Type
1 = Fixed 30
2 = Fixed 20
3 = Fixed 15
4 = ARM 2
5 = ARM 3
6 = ARM 5
7 = ARM 7
8 = ARM 10
9 = ARM Other
10 = Other

Character(2)

11 = Fixed 40
12 = Fixed Greater than 40
13 = Fixed Other
14 = Fixed 10
15 = ARM 1
16 = ARM 15

Fixed 15 – Fixed rate
amortizing loans with a 15 year
loan term. Also include fixed
rate loans where loan term is
greater than 10 and less than
15 years.

Fixed 10 – Fixed rate

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

amortizing loans with a 10 year
loan term. Also include fixed
rate loans where loan term is
less than 10 years.

Fixed 40 – Fixed rate
amortizing loans with a 40 year
term. Also include fixed rate
loans where loan term is
greater than 30 and less than
40 years.
Fixed Greater than 40 - Fixed
rate loans with loan term
greater than 40 years.

Fixed Other – Fixed rate loan
where the loan term does not
fall under any of the categories
(Fixed 30, Fixed 20, Fixed 15,
Fixed 10, Fixed 40, Fixed
Greater than 40). Use this code
where the loan is not simply a
fixed-rate amortizing term
loan. Some examples include
balloon, interest only or fixed
rate pay option loans.

ARM 1 – Adjustable rate
mortgage where the initial rate
reset is less than or equal to 1
year.

ARM 2 – Adjustable rate
mortgage where the initial rate

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

reset is greater than 1 year and
less than or equal to 2 years.
ARM 3 – Adjustable rate
mortgage where the initial rate
reset is greater than 2 years
and less than or equal to 3
years.

ARM 5 – Adjustable rate
mortgage where the initial rate
reset is greater than 3 years
and less than or equal to 5
years.

ARM 7- Adjustable rate
mortgage where the initial rate
reset is greater than 5 years
and less than or equal to 7
years.

ARM 10 – Adjustable rate
mortgage where the initial rate
reset is greater than 7 years
and less than or equal to 10
years.
ARM 15 – Adjustable rate
mortgage where the initial rate
reset is greater than 10 years
and less than or equal to 15
years.

ARM Other – Adjustable rate
loan where the loan term does

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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
R = Reverse Mortgage,
including Home Equity
Conversion Mortgage (HECM)
loans
Y = Other
U = Unknown

Character(1)

not fall under any of the
categories (ARM 1, ARM 2, ARM
3, ARM 5, ARM 7, ARM 10, ARM
15). An example would be an
option ARM.

Loan Purpose
Coding

M161

Other – Use this code to capture
loans which do not fall into any
of the categories listed above.
An example would be
graduated payment mortgages
(GPMs).
Report the purpose for the loan
origination. If the loan has
multiple purposes, report the
primary purpose.

Commercial real estate (CRE)
or commercial business
purpose loans collateralized by
1-4 family residential
mortgages should be coded as a
“Y”.

Number of Units

M162

Number of units to the
property financed by the loan –
Report the number of units of
the property. If the actual
number of units is not available
for multi-family or 1-4 family

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

Character(1)

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

properties, please code this line
item with a “U”.

For CRE or commercial purpose
mortgage loans on multiple
properties that are submitted
under this schedule, please
code this line item with a “Y”.
Report the mortgage insurance Provide as a fraction. E.g.:
coverage percent at origination 0.8 for 80%
for loans with loan level
1.05 for 105%
mortgage insurance coverage.

Mortgage
Insurance
Coverage Percent
at Origination

M163

Property Type

M164

Property Type –

Balloon Flag

M165

Balloon Flag-Report whether
the mortgage has a balloon
payment.

Report the property type. For
one property with multiple
uses, report as “F” (Mixed Use).
For properties with more than
one piece of collateral, report
as "Z" (Other).

1 = Single Family Residential
2 = Condo
3 = Co-Op
4 = 2-4 Units
5 = Townhouse
6 = Planned Unit Development
7 = 5+ Units
E = Commercial
F = Mixed Use
M = Manufactured Housing
Z = Other
U = Unknown
Y=Yes
N=No
U=Unknown

Numeric, to 2
decimal places
Character(1)

Character(1)

Line Item
No.
25

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Balloon Term

M166

Whole Number

Buy down Flag

M167

Interest Only at
Origination

M168

Balloon Term (In Months) – For
mortgages with a final balloon
payment, report the term in
months between the loan
closing date and the due date
for the final payment (based on
maturity date) before the note
resets (e.g., 84 months for a 7year balloon).
Report whether loans are buy
downs.
Interest Only at Origination
Flag – Report whether the loan
was an IO loan at the time of
origination.

Y=Yes
N=No
U=Unknown
Y=Yes
N=No
U=Unknown

Format, Line
Item Length
Whole Number

Character(1)
Character(1)

That is, at origination, was the
normal monthly payment for
the loan just interest.

An interest only (IO) mortgage
is a nontraditional mortgage
which allows the borrower to
pay only the interest due on the
loan for a specified number of
years, and whose interest rate
may fluctuate or be fixed. After
the interest-only period, the
rate may be fixed or fluctuate
based on the prescribed index,
with payments including both
principal and interest.
27

Line Item
No.
28

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Recourse Flag

M169

Y=Yes
N=No
U=Unknown

ARM Initial Rate

M170

Report whether there is
recourse on a loan. Recourse on
a loan refers to terms in the
mortgage contract that give the
owner of the note the right to
pursue additional claims
against the borrower beyond
possession of the property.
Report the initial interest rate
on the loan.

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

Numeric, up to
5 decimals

ARM Initial Rate
Period

M171

Report the ARM initial rate
adjustment period (in months).

Whole Number

ARM Periodic
Interest Reset
Period

Format, Line
Item Length
Character(1)

Identifies the term, in months,
from the time of origination to
the first interest rate change
date for ARMs.

M172

Report the initial fixed
principal and interest payment
period in months for adjustable
rate hybrid loans.
Report the ARM Periodic
Interest Reset Period (in
Months).

Identifies the term, in months,
from the end of the initial reset
period to the next for the
remaining life of the mortgage.

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

ARM Index

M173

ARM Index – Report the index
used as the basis for
determining the monthly
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 11th District
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

Character(2)

A BHC using the Wall Street
Journal prime rate should
report the value ’50’ for Bank
Prime Rate.

Line Item
No.
33

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

ARM Margin at
Origination

M174

ARM margin – Report the
margin for adjustable rate
loans.

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

Format, Line
Item Length
Numeric, up to
5 decimals

ARM negative amortization %
limit.

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

Numeric, up to
5 decimals

ARM periodic rate cap – Report
the periodic interest rate cap
for adjustable rate loans.

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

Numeric, up to
5 decimals

ARM Periodic Rate FloorReport the periodic interest
rate floor for adjustable rate
loans.

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

Numeric, up to
5 decimals

ARM Negative
Amortization %
Limit

M175

ARM Periodic Rate
Cap

M176

ARM Periodic Rate
Floor

M177

Report the rate that is added to
the index to determine the
monthly interest rate at
origination of the loan.

Report the negative
amortization limit expressed as
a percent of original loan
amount.

Absolute rate cap (not spread
from original)

Absolute rate floor (not spread
from original)

Line Item
No.
37

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

ARM Lifetime Rate
Cap

M178

ARM Lifetime Rate Cap

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

Format, Line
Item Length
Numeric, up to
5 decimals

ARM Lifetime Rate
Floor

M179

ARM Lifetime Rate Floor

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

Numeric, up to
5 decimals

ARM Periodic Pay
Cap

M180

Report the cap on monthly
payments for adjustable rate
mortgages.

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

Numeric, up to
5 decimals

Report the lifetime interest rate
for adjustable rate mortgages.
Absolute rate cap (not spread
from original).
Report the minimum lifetime
interest rate for adjustable rate
mortgages. Absolute rate floor
(not spread from original).

Note: The periodic pay cap
refers to the maximum
percentage point increase over
the previous payment. So for a
$1,000 principal and interest
(P&I) payment in the previous
month, a 7.5% pay cap implies
that the P&I payment next
month cannot exceed $1,075 at
the adjustment. Note that the
7.5% pay cap should be
reported as a fraction, in this
case 0.0750.

Line Item
No.
40

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

ARM Periodic Pay
Floor

M181

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

Option ARM Flag

M182

Report the floor on monthly
payments for adjustable rate
mortgages.

Option ARM at Origination –
Report whether the loan is a
payment Option ARM at
origination. A payment Option
ARM is a nontraditional
mortgage that allows the
borrower to choose from a
number of different payment
options.

Y=Yes
N=No

Format, Line
Item Length
Numeric, up to
5 decimals
Character(1)

For example, each month, the
borrower may choose: a
minimum payment option
based on a ‘‘start’’ or
introductory interest rate, an
interest-only payment option
based on the fully indexed
interest rate, or a fully
amortizing principal and
interest payment option based
on a 15-year or 30-year loan
term, plus any required escrow
payments.

Payments on the minimum
payment option can be less
than the interest accruing on
the loan, resulting in negative
amortization. The interest-only
option avoids negative
amortization, but does not

Line Item
No.

Line Item Name

MDRM (CCFL)

Negative
Amortization Flag

M183

Original Loan Term

M184

Original Interest
Rate

M185

Detailed Description

Allowed Values

Format, Line
Item Length

Y=Yes
N=No

Character(1)

Original Loan Term – Report
the term in months on the
original loan.

Whole Number
Allowable values: 0 – 600

Whole Number

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

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

Numeric, up to
5 decimal
places

provide for principal
amortization. After a specified
number of years, or if the loan
reaches a certain negative
amortization cap, the required
monthly payment amount is
recast to require payments that
will fully amortize the
outstanding balance.

Negative Amortization Flag Report all mortgages that, as
part of their contract, have or
potentially can have a feature
that allows the borrower to pay
an amount that is less than the
interest accruing on the
mortgage, resulting in negative
amortization.

Note: Do not change the
original loan term in the case of
loan modifications. This line
item is intended to capture the
loan term at loan origination.

Line Item
No.
45

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Principal and
Interest (P&I)
Amount at
Origination

M186

Principal and Interest (P&I)
Amount at Origination (in
dollars) – Report the scheduled
principal and interest amount
at the origination of the loan.

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

Pre-payment Penalty Flag –
Report whether 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)

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

Whole Number

Pre-Payment
Penalty Flag

M187

Pre-Payment
Penalty Term

M188

This line item may be provided
on a best efforts basis for loans
serviced for others and loans
acquired through mergers and
acquisitions.

Pre-Payment Penalty Term (In
Months)

Report the time period from
loan origination that a
prepayment penalty applies (if
applicable).
This is an origination line item
and should specify the time
period from origination for
which a prepayment penalty
would have applied. It should
not change with the reporting
month.

Format, Line
Item Length
Whole Number

Line Item
No.
48

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length
Whole Number

Current Credit
Bureau Score

M189

Report the current credit score
of the borrower using a
commercially available credit
bureau score (for a definition of
a commercially available credit
bureau score, see the general
instructions). Provide the most
recently determined
commercially available credit
score of the borrower. Report
the credit score vendor in item
136 and the credit score version
in item 137.

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

Interest Only in
Reporting Month

M190

Interest Only in Reporting
Month – Report whether the
minimum payment in the
reporting month represents
only the interest due on the
loan.

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

Character(1)

Report the owner of the
mortgage.

Investor Coding
1 = GNMA
2 = FNMA
3 = FHLMC
4 = Private Securitized
5 = GNMA Buyout Loans
6 = Local Housing Authority
7 = Portfolio

Character(1)

That is, at end-of-month for the
reporting month, was the
minimum monthly payment for
the loan just interest.
50

Investor Type

M191

• GNMA - Serviced mortgages
that are owned by GNMA
• FNMA - Serviced mortgages
that are owned by FNMA

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description
• FHLMC - Serviced mortgages
that are owned by FHLMC

• Private Securitized - Loans
securitized by private-label
(non-Government, non-GSE)
issuers. Please include serviced
loans.

Allowed Values

Format, Line
Item Length

8 = Serviced for Other
Unrelated Entity
0 = Federal Home Loan Bank
(FHLB)
U = Unknown

• GNMA Buyout Loans-- Loans
bought out of GNMA securities
pools
• Local Housing AuthorityLoans bought by LHAs

• Portfolio - Mortgages owned
and held on the bank’s balance
sheet. Include both Held for
Sale or Held for Investment in
this category.
• Federal Home Loan Bank
(FHLB)-Loans or securities
bought by FHLBs
• Unknown

‘Other Unrelated Entity’ refers
to investors that do not include
any of the major investor types
listed in values 0-7, and can
include portfolio loans serviced
for others.

Line Item
No.
51

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Servicer Advances

M192

e.g., 125000 for $125,000.00
If no servicer advances exist,
please populate as 0.

Option ARM in
Reporting Month

M193

Servicer Advances – Report the
total delinquent advances made
by the servicer on past due
mortgages. Include both
corporate (including
maintenance and property
preservation costs) and escrow
advances in this amount.

Bankruptcy flag

M194

Bankruptcy
Chapter

M195

Format, Line
Item Length
Whole Number

Option ARM in Reporting
Month – Report whether a
mortgage allows a borrower a
choice of payment options in
the reporting month.
Bankruptcy flag – Report all
loans where the servicer has
been notified of the borrowers’
bankruptcy declaration.

N = Was not Option ARM in the
reporting month
Y = Was Option ARM in the
reporting month

Character(1)

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

Character(1)

Bankruptcy Chapter - For all
the loans with a Bankruptcy
Flag, report the Bankruptcy
Chapter Type.

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

Character(2)

Indicates whether the
borrower is in bankruptcy as of
the end of the reporting month.
Respondents should include coborrowers.

Note: If the Bankruptcy Flag
(Line item 53) is coded with a
value of ‘N’, then the
Bankruptcy Chapter (Line item
54) should be blank, i.e. null

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

YYYYMMDD

Provide as a fraction. E.g.:
0.1075 for 10.75%

Numeric, up to
5 decimals

value. Do not populate this line
item with any other value.

Next Payment Due
Date

M196

Next payment due date –
Report the due date for the next
outstanding payment on the
mortgage. For delinquent loans
this date will be in the past.
This line item should be left
blank for accounts that closed
in the reporting month.

Current Interest
Rate

M197

In cases where the debtor is in
Chapter 13 bankruptcy, the
contractual due date should be
reported.
Current Interest Rate – Report
the annual percentage rate of
the mortgage as of the last day
of the reporting month.

Line Item
No.
57

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Remaining Term

M198

Report the remaining term of
the loan in months.

Whole Number

Scheduled
Principal Balance
Amount

M199

Principal and
Interest (P&I)
Amount Current

M200

Note: For the Remaining Term
line items in the FR Y‐14M First
Lien and Home Equity
schedules, a value of 0 should
be assigned if a loan is past
maturity.
Report the scheduled principal
balance amount for the
borrower

Note: The scheduled principal
balance amount should reflect
the balance outstanding based
on the scheduled payment
which is due from the borrower
in the reporting month (not the
actual payment made by the
borrower). There will be a
difference in the scheduled
versus actual only in cases of
delinquency or curtailments.
Principal and Interest (P&I)
Amount Current – Report the
scheduled principal and
interest due from the borrower
in the reporting month.
In the case where mortgage
bills quarterly rather than
monthly, report the line item

Format, Line
Item Length
Whole Number

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

Whole Number

Whole Number
e.g.,

Whole Number

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

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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

Whole Number

with a zero value for the off
quarter months. Also, if a new
loan does not bill until the
following month, then report
the amount as 0 for the current
reporting month submission.

Unpaid Principal
Balance

M201

Unpaid Principal Balance –
Report the total principal
amount outstanding as of the
end of the month. 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 .

e.g., 32123 for $32,122.81
Use banker’s rounding

Line Item
No.
61

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Foreclosure Sale
Date

M202

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

Format, Line
Item Length
YYYYMMDD

Note: If a loan is not in
foreclosure, then the
Foreclosure Sale Date line item
(Line item 61), Foreclosure
Referral Date line item (Line
item 62) should be blank, i.e.
null value. Do not populate this
line item 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.

Line Item
No.
62

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Foreclosure
Referral Date

M203

Foreclosure Referral Date –
Report the date that the
mortgage 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

Foreclosure Suspended –
Report all loans where
foreclosure activities are being
suspended due to loss
mitigation or bankruptcy
proceedings.

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.

Foreclosure
Suspended

M204

Active loss mitigation refers to
instances where the loan is
currently in loss mitigation, and
the servicer is actively pursuing
loss mitigation.

Format, Line
Item Length
YYYYMMDD

Character(1)

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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

Character(1)

Flag indicating an active
foreclosure suspension

Paid-in-Full Coding

M205

Note: The code value for this
line item should follow public
reporting of this item.
Report the liquidation method
for any loan that was liquidated
during the reporting month.
If a commercial loan is still
awaiting interest and fees,
report as "0".
• Not Paid In Full – Coded for
any home equity loans having
an outstanding balance as of
month-end 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
settlement option resulting in
incomplete repayment of
principal. Include short-sales,
charge-offs, as well as REO

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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

Character(1)

liquidations. This includes
loans active in the month prior
to the reporting month that
were sold at a foreclosure sale
and taken into REO in the
reporting month. Also include
all instances where credit has
been resolved (i.e. no longer
pursuing collection) but not
through foreclosures, servicing
transfers, or payments made by
the home owner (i.e. not sale,
settlement for less than full
amount, short sales, or Deeds in
Lieu).

Foreclosure Status

M206

• Servicing Transfer – Code all
instances where the servicing
of the loan has been transferred
or sold to another institution
during the reporting month.
Foreclosure Status – Report 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

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Code values:
0 = None
1 = In Process
2 = Complete & Repurchased
3 = Complete and NO
Repurchase

Character(1)

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. This includes loans
active in the month prior to the
reporting month that were sold
at a foreclosure sale and taken
into REO in the reporting
month.

Repurchase Type

M207

• 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.
Loan Repurchase Type –
Report the loan repurchase
type.

The code value of ‘1: In Process’
means that a request has been
made for repurchase of the loan
by counterparty. Include both
loans where repurchase is
being finalized and loans where
agreement to repurchase has

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

YYYYMMDD

not yet occurred.

Repurchase
Request Date

M208

Legal settlements should only
be reported in Line items 66
and 67 if the legal
action focused on repurchase of
a fixed set of loans. Blanket
legal settlements concerning
loan losses that are not tied to
particular loan repurchase
requests should not be
reported with these line items.
Make Whole and Loss Share
agreements should not affect
the values reported for these
line items if these agreements
are made after loan liquidation
[only loans that are active
should be reported]. If a
repurchase request was made
prior to liquidation of these
loans then this is reflected in
Line items 66 and 67.
Repurchase Request DateReport the repurchase request
date.

The repurchase request date is
the date of repurchase
requested by the counterparty.

Line Item
No.
68

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Refreshed Property
Value

M209

Refreshed property value –
Report the most current
property value if updated
subsequent to loan origination.
Only provide a refreshed value
when it is based on a propertyspecific 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.)

e.g. 125000 for $125,000.00

Format, Line
Item Length
Whole Number

The refreshed LTV refers to the
servicer periodically updating
the estimate of value to
recalculate loan-to-value using
the current loan balance.
The Refreshed Property Value,
Refreshed Property Valuation
Method, and
Most Recent Property
Valuation Date line items 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.
Do not report where the
refreshed property value was

Line Item
No.

Line Item Name

Refreshed Property
Valuation Method

MDRM (CCFL)

M210

Detailed Description
not obtained within the last
year.

The valuation method for any
refreshed values. Report the
method by which the value of
the property was determined.
Options are:

• Full appraisal – Prepared by
a certified appraiser
• Limited appraisal –
Prepared by a certified
appraiser

Allowed Values

Format, Line
Item Length

Code Values:
1 = Full Appraisal
2 = Limited Appraisal
3 = Broker Price Opinion
4 = Desktop Valuation
5 = Automated Valuation Model
6 = Unknown
7 = TAV – Tax Assessed Value

Character(1)

• Broker Price Opinion “BPO”
– Prepared by a real estate
broker or agent
• Desktop Valuation –
Prepared by bank employee

• Automated Valuation Model
“AVM”

Line Item
No.

Line Item Name

MDRM (CCFL)

Most Recent
Property Valuation
Date

M211

Refreshed CLTV
After Modification

M212

Detailed Description

Allowed Values

Format, Line
Item Length

Report the date on which the
most recent refreshed property
value was obtained.

YYYYMMDD

Refreshed CLTV After
Modification – Report the
calculated combined loan-tovalue ratio after the
modification.

Provide as a decimal. E.g.:
0.85 for 85%

Numeric, up to
2 decimals

property has been valued
subsequent to origination,
provide the most recent
property valuation date, the
valuation method, and the
property value.

Note: The Refreshed CLTV
After Modification (Line item
71) on the FR Y‐14M First Lien
schedule is only applicable for
loans that have been modified.
Only provide this line item for
loans that have been modified.

Include all outstanding liens in
the calculation of refreshed
CLTV. If the property only has
one lien outstanding at the time
of modification, then this line
item would be equivalent to
refreshed LTV.

Provide the CLTV that was used

Line Item
No.

Line Item Name

Refreshed DTI
Ratio (Back-end)

Refreshed DTI
Ratio (Front-end)

MDRM (CCFL)

M213

M214

Detailed Description
to evaluate and approve the
modification. The reported
value should reflect the CLTV
used during the modification
process or soon afterward. This
value should not be updated
with subsequent CLTV values.

Refreshed DTI Ratio (Back-end)
– Report the refreshed Back end DTI Ratio.
Back-end DTI ratios give the
percentage of monthly income
necessary to cover all of the
borrower’s debt obligations.
Refreshed DTI Ratio (Frontend) – Report the refreshed
Front-end DTI (PITI Housing
Ratio).

Allowed Values

Format, Line
Item Length

Whole Number

Front-end DTI ratios give the
percentage of a borrower’s
monthly income that would go
toward housing expenses
(mortgage payment, real estate
taxes, homeowner’s insurance,
association dues, etc.)

Line Item
No.
74

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Modification Type

M215

Report the modification type.
This line item 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 = Loan has not been modified
6 = ASF Streamline
8 = FHFA Streamline (Specific
to program announced
12/15/08)
9 = FDIC Streamline (“Mod in a
Box”)
10 = Proprietary Systematic
Program
11 = Proprietary Other
12 = Home Affordable
Modification

Active loss mitigation refers to
instances where the loan is
currently in loss mitigation, and
the servicer is actively pursuing
loss mitigation.

Format, Line
Item Length
Numeric

This line item is independent of
investor and speaks only to the
nature of the program. For
example a FNMA loan may be
modified under either a FDIC or
proprietary modification
program – in these cases this
line item would be populated
with either the FDIC or
proprietary codes while the
Investor line item would
identify the modification as
being performed on a FNMA
loan.
• Loan has not been modified.

• ASF Streamline - Report all
loan modifications in
conformance with the ASF's

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

December 6, 2007 “Streamlined
Foreclosure and Loss
Avoidance Framework for
Securitized Subprime
Adjustable Rate Mortgage
Loans.”
• FHFA Streamline – Report all
loan modifications pursuant to
the FHFA streamline
modification program that
became effective 12/15/08.
FHFA investor loans modified
under an alternative plan
should be coded in accordance
with those plans.

• FDIC Streamline (“Mod in a
Box”) – Report all loan
modifications that include any
third party investor and/or
proprietary systematical
modifications that are
patterned on the FDIC program.
• Proprietary Systematic
Program – Report all other
proprietary systematic
programs target at applicable
segments of mortgage
borrowers. The “proprietary”
nature of this line item
references the modification
program and not the investor,
any loan modified under a

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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

YYYYMMDD

proprietary systematic
program should receive this
code regardless of investor.

• Proprietary Other – Report
any modification type not
covered by the previous
categories. As with the
proprietary systematic
modifications, this line item is
independent of the investor.

Last Modified Date

M216

• Home Affordable Modification
Program – Report any loans
modified under the Home
Affordable Modification
Program Guidelines released
March 4, 2009. Do not report
the transaction as a modified
loan until successful
completion of the stipulated
trial plan.
Last Modified Date – Report the
date on which the loan terms
were most recently modified.

Line Item
No.
76

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Active Repayment
Plan Flag

M217

N = No repayment plan is in
effect in the reporting month.
Y = The loan is actively
performing under a repayment
plan.

Workout Type
Completed

M218

Report whether there is an
active repayment plan. Code as
"Y" all loans that are active and
performing according to the
terms of a repayment plan as of
the end of the reporting month.
Do not code as active any loan
currently operating under a
stip-to-mod plan where the
loan is scheduled to be
modified if the terms of the
stipulated repayment plan are
met.
Report the workout type
completed. This line item
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 line item should
be coded in only the reporting
month when the workout type
was completed and not in
subsequent months. For the
cases where loss mitigation
efforts are ongoing but not
completely resolved, this line
item should be left blank. Also,
if a loan has never been in loss
mitigation, the value should be

0 = No workout completed or
unsuccessful resolution of a
loss mitigation effort.
1 = Modification
2 = Repayment Plan
3 = Deed in Lieu
4 = Short Sale
5 = FHA Partial Claim
6 = FHA Secured
7 = VA Refund
8 = Stipulated Repayment /
Stip-to-Mods
9 = Forbearance plan
10 = MI Claim Advance
11 = FHA Refinances - Other
12 = Other
13 =
Reaged/Deferred/Extended
14 = Home Affordable
Refinance
15 = FNMA HomeSaver
Forbearance, Payment

Format, Line
Item Length
Character(1)

Numeric

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

left blank.

Reduction Plan, or other GSEsponsored forbearance
program.

Specific coding instructions
follow:

Format, Line
Item Length

Code 0 - Enter 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.

Code 1 Modification - Populate
in the month that the
modification is completed and
the new loan terms are in
effect. Do not include
modifications, such as those
performed under the Home
Affordable program that were
completed following a trial or
stipulated repayment period –
these should receive a value of
8 (see below).

Code 2 Repayment Plan Populate in the month that the
repayment plan was completed
successfully and the borrower
has been returned to a current
and performing status.
Codes 3 and 4 – Deeds In Lieu

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

and Short Sales – Populate in
the month the loan is liquidated
through a deed in lieu, short
sale (or payoff) negotiated
settlement.
Code 6, 11, 14 – FHA and Home
Affordable Refinances –
Populate these line items in the
month that the loan was
liquidated under an FHA or
Home Affordable refinance
program. This line item should
be coded in the same month the
loan has a Voluntary Payoff /
Refinance.
Code 8 – Stipulated Repayment
/ Stip to Mods – Code this line
item in the month that a loan is
modified after having
completed a stipulated or trial
payment period. This should
include loans modified under
the Home Affordable
Modification program.

Code 13 –
Reaged/Deferred/Extended –
include loans where there has
been an agreement with the
borrower to defer principal and
interest but with no other
terms to enhance affordability.

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

0 = No active plan as of monthend and did not have a plan
broken or cancelled during the
month.
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 = Home Affordable Trial
Period Active
8 = Home Affordable Trial
Period Broken
9 = Home Affordable Trial
Cancellation
10 = Home Affordable Trial
Extended / Mod Pending

Numeric

Code 15 – FNMA HomeSaver
Forbearance, Payment
Reduction Plan, or other GSEsponsored forbearance
program - Include loans that
have made the initial payment
in the FNMA HomeSaver
Forbearance program or
similar program.
78

Repayment Plan
Performance
Status

M219

Report the repayment plan
performance status. This line
item tracks the performance of
repayment and stip-to-mod
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
line item. This line item is only
to be populated for repayment
plans that were active as of the
end of the month or broken
during the month. A plan is
broken when the borrower fails
to fulfill conditions needed for a
loan modification to be made
permanent. Broken plans
should only be reported in the
month the plan breaks.
Institutions should report a '0'
value in months following a
broken plan. This line item
should not be left blank if the

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

plan was broken in previous
months.

• 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 Cancelled at

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Borrower’s Request – The
borrower was on a repayment
plan that was cancelled at their
request during the month.

• Home Affordable Modification
Trial Period Active – Report all
Home Affordable program premodifications that are
performing as scheduled under
a trial period plan and the plan
is not broken.

• Home Affordable Modification
Trial Period Broken – Report all
Home Affordable program premodifications where the
borrower has not complied
with the terms of the schedule
such that the modification will
not be executed.
• Home Affordable Trial
Cancellation – The Home
Affordable Trial was cancelled
due to borrower ineligibility or
other reason.

• Home Affordable Trial
Extended / Mod Pending – All
payments made as agreed and
performing but awaiting
documentation and/or a final
underwriting decision.

Line Item
No.
79

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

“Home Affordable
Refinance”
Program Flag

M220

Report whether a loan was
originated under the Home
Affordable Refinance program.
HAMP loans should not be
included in this population.

Y=Yes
N=No

HAMP(Home Affordable
Modification Program) Loan
Number –

The HAMP Loan Number
provided should be identical to
the Servicer Loan Number
provided to the data aggregator
for HAMP submissions to the
Treasury.

Format, Line
Item Length
Character(1)

“Home Affordable Refinance”
Program Flag - Identify all
loans originated as part of the
Home Affordable Refinance
Program announced March 4,
2009. Loans should be flagged
as such regardless of whether
the loan was serviced in-house
prior to refinance.
80

HAMP Loan
Number

M221

Report any loans modified
under the Home Affordable
Modification Program
Guidelines released March 4,
2009. The HAMP Loan Number
provided should be identical to
the Servicer Loan Number
provided to the data aggregator
for HAMP submissions to the
Treasury.

Character(32)

Line Item
No.
81

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Capitalization

M222

Capitalization – Report
whether a delinquent amount
(PITI or fees) was capitalized
and added to the outstanding
principal balance.

Y=Yes
N=No

Format, Line
Item Length
Character(1)

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 line item
should be “Y” otherwise it
should be “N”.

Delinquent
Amount
Capitalized

M223

This line item should only be
populated for loans with a
value in Line item 74
Modification Type indicating
that a loan has been modified.

Delinquent Amount Capitalized
– Report the total amount in
dollars of the delinquent
amount that was capitalized
and added to the principal
balance through loss

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

Whole Number

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Duration of Modification –
Report the number of months
the modified terms will be in
effect.

Whole Number

Step Modification Flag – Report
whether a rate modification has
a “stepped” or gradual return to
non-modified rate.

Y=Yes
N=No

Character(1)

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

Character(1)

mitigation.

Duration of
Modification

Step Modification
Flag

Loss Mitigation
Performance
Status

M224

M225

M226

If the duration of the
modification is permanent,
then the duration is the full
maturity of the loan (e.g., 360
months for a 30-year
modification).

This line item should be
reported as “N” if the loan
immediately returns to the
contract rate at expiration of
the modification.
Loss Mitigation Performance
Status – Report whether a loan
is being actively handled by the
servicer’s loss mitigation
department. Refers to all loans
where the servicer has initiated
loss mitigation procedures
whether or not a particular

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

course of action or workout
type has been executed. Active
loss mitigation refers to
instances where the loan is
currently in loss mitigation, and
the servicer is actively pursuing
loss mitigation.
• Active and performing –
Refers to any mortgage 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
servicer is actively pursuing
loss mitigation with a borrower
who is not currently making all
payments on the mortgage.
Include situations where loss
mitigation efforts have been
initiated but no plan has been
executed as of month-end.
• Broken – Populated for
situations where the borrower
has defaulted on the terms of
loss mitigation plan and the
servicer has removed the loan
from loss mitigation and is
proceeding with the default
process.

Note: If loss mitigation efforts

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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

Whole Number

have been initiated but no plan
has been executed as of the
month‐end, the Loss Mitigation
Performance Status should be
coded as 2: Active and Non‐
Performing.

86
87

Principal Deferred
(Retired March
2013)
Principal Deferred
Amount

M227
M228

If a loan is not in loss
mitigation, then it should be
coded as 0: No loss mitigation
action in place.

Principal Deferred Amount:
Report the total amount in
dollars of the principal that was
deferred through loss
mitigation.

In cases where the principal
deferral is monthly, they should
be reported as aggregated.
Principal deferrals are
generally done at once. Only
the amount of principal that is
deferred should be reported.
Report the aggregate amount of
deferred principal provided
over the life of the loan
assuming that the borrower
performs as agreed.
This line item should only be
populated for loans with a

Line Item
No.

88
89

Line Item Name

Principal Writedown (Retired
March 2013)
Principal WriteDown Amount

MDRM (CCFL)

M229
M230

Detailed Description

Allowed Values

Format, Line
Item Length

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

Whole Number

value in Line item 74
Modification Type indicating
that a loan has been modified.

Principal Write-Down Amount–
Report the principal writedown amount for the loans
where the principal was
forgiven through loss
mitigation.
This line item should only be
populated for loans with a
value in Line item 74
Modification Type indicating
that a loan has been modified

Note: Report the aggregate
amount of principal writedown provided over the life of
the loan assuming that the
borrower performs as agreed.
Performance incentive
payments offered to all
borrowers should not be
included as principal writedowns (i.e., the annual HAMP
forgiveness payments should
not be flagged as principal
reductions).
65

Line Item
No.
90

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Property Valuation
Method at
Modification

M231

Property Valuation Method at
Modification – Report the
method used to determine the
property value prior to loan
modification.

1 = Full Appraisal
2 = Limited Appraisal
3 = Broker Price Opinion
4 = Desktop Valuation
5 = Automated Valuation Model
6 = Unknown

• Full appraisal – Prepared by a
certified appraiser

Format, Line
Item Length
Character(1)

• Limited appraisal – Prepared
by a certified appraiser

• Broker Price Opinion “BPO” –
Prepared by a real estate
broker or agent

• Desktop Valuation – Prepared
by bank employee

• Automated Valuation Model
“AVM”

This line item should only be
populated for loans with a
value in Line item 74
Modification Type indicating
that a loan has been modified.

Line Item
No.
91

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Interest Type
Conversion
Duration

M233

Report whether the interest
type was converted from ARM
to Fixed through loss
mitigation, and the duration of
the fixed rate period.

0 = Not converted to Fixed Rate
1 = Converted to Fixed Rate for
1-36 Months
2 = Converted to Fixed Rate for
37-60 Months
3 = Converted to Fixed Rate for
61-120 Months
4 = Converted to Fixed Rate for
Greater than 120 Months

SOP 03-3 Status

M234

This line item should only be
populated for loans with a
value in Line item 74
Modification Type indicating
that a loan has been modified.
SOP-03-03 – Report whether
any loans are accounted for
under SOP-03-03 purchase
accounting. If the loan is
accounted for under SOP-03-03
purchase accounting this line
item should be “Y” otherwise it
should be “N”. Note: None of
the records should be left
blank.

N = No
Y = Yes

Format, Line
Item Length
Character(1)

Character(1)

Line Item
No.
93

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Total
Debt at Time of any
Involuntary
Termination

M235

Report total debt at the time of
any involuntary termination.
Total debt should be reported
at gross, not net values, and is
comprised of:

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

Format, Line
Item Length
Whole Number

1) Unpaid Principal Balance;

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)

Note: Any involuntary
termination includes REO,
Short Sale, Deed-in-lieu of
foreclosure, Third Party Sale or
Charge-off.

Net Recovery
Amount

M236

Note: This line item is a
required line item for Investor
Type code values 4 (Private
Securitized) and 7 (Portfolio)
and best efforts for all others.
Report the sales price net of
costs of sales (e.g., sales

Whole Number
e.g.,

Whole Number

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

commissions and buyer
concessions).

2123 for $2,122.81
Use banker’s rounding.

Note: Since net proceeds
should be the same as Net
Recovery Amount (Line item
94), report net proceeds in Line
item 94 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 Line item 121.

Credit Enhanced
Amount

M237

Note: This line item is a
required line item for Investor
Type code values 4 (Private
Securitized) and 7 (Portfolio)
and best efforts for all others.

Report the total amount of
credit enhancement received
that offset the loss. Could come
from mortgage insurance
proceeds, pool arrangements in
deals, or other features of
securities structures.
Note: This line item is a
required line item for Investor
Type code values 4 (Private

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

Format, Line
Item Length

Whole Number

Line Item
No.

Line Item Name

Troubled Debt
Restructure Flag

MDRM (CCFL)

M238

Detailed Description
Securitized) and 7 (Portfolio)
and best efforts for all others.

Troubled Debt Restructure Flag
– Report whether a loan was
modified as a Troubled Debt
Restructuring (TDR), as defined
in the FR Y-9C Glossary entry
for “Troubled Debt
Restructuring”. All TDRs must
be evaluated for impairment
under Statement of Financial
Accounting Standards No. 114
(Accounting by Creditors for
Impairment of a Loan), as part
of the Allowance for Loan and
Lease Losses analysis.

Allowed Values

Format, Line
Item Length

Y=Yes
N=No

Character(1)

Line Item
No.
97

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Reported as Bank
Owned Flag

M239

Reported as Bank-Owned Flag
– Report whether the serviced
for others loan is recorded on
the bank's own balance sheet
for accounting purposes.
Applies only to loans with an
Investor Code other than
"Portfolio". Should be coded as
Y for the following loans:

Y=Yes
N=No

Format, Line
Item Length
Character(1)

• GNMA Eligible Repurchases –
In accordance with FAS 140,
GNMA loans that are subject to
Removal of Accounts
Provisions (ROAPs) and eligible
for repurchase.

Interest Rate
Reduced

M262

• Other Loans Reported OnBalance Sheet under FAS 140 –
To reflect bank-supported
securitizations and/or other
indemnifications.
Report whether the interest
rate has been reduced to be
less than the scheduled value
through loss mitigation.

Y=Yes
N=No

Character(1)

For example, if a fixed-rate loan
with a rate of 6% is reduced to
2% as a result of loss
mitigation, the BHC would
report ‘Y’ for this line item.
This line item should only be

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Y=Yes
N=No

Character(1)

Y=Yes
N=No

Character(1)

populated for loans with a
value in Line item 74
(Modification Type).
99

Interest Rate
Frozen

M232

Report whether the interest
rate was frozen and at a lower
rate than if allowed to adjust
through loss mitigation

For example, if a loan resetting
from 4% to 6% is frozen at the
4% rate, the BHC would report
‘Y’ for this line item.

100

Term Extended

M929

This line item should only be
populated for loans with a
value in Line item 74
(Modification Type).
Report whether the remaining
term of the loan was extended
through loss mitigation.
This line item should only be
populated for loans with a
value in Line item 74
(Modification Type).

Line Item
No.
101

102

103

104

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

P&I Amount Before
Modification

M930

Report the scheduled principal
and interest amount in the
month prior to loan
modification.

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

P&I Amount After
Modification

M931

Interest Rate
Before
Modification

M932

Interest Rate After
Modification

M933

This line item should only be
populated for loans with a
value in Line item 74
(Modification Type).
Report the scheduled principal
and interest amount in the
month following loan
modification.
This line item should only be
populated for loans with a
value in Line item 74
(Modification Type).

Report the interest rate in the
month prior to loan
modification.

This line item should only be
populated for loans with a
value in Line item 74
(Modification Type).
Report the interest rate in the
month after loan modification.
This line item should only be
populated for loans with a
value in Line item 74
(Modification Type).

Format, Line
Item Length
Whole Number

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

Whole Number

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

Numeric, up to
5 decimals

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

Numeric, up to
5 decimals

Line Item
No.
105

106

107

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Remaining Term
Before
Modification

M934

Report the remaining term in
the month prior to loan
modification.

Whole Number

Format, Line
Item Length
Whole Number

Remaining Term
After Modification

M935

Whole Number

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

Whole Number

Escrow Amount
Before
Modification

M936

This line item should only be
populated for loans with a
value in Line item 74
(Modification Type).
Report the remaining term in
the month after loan
modification.

This line item should only be
populated for loans with a
value in Line item 74
(Modification Type).
Report the escrow amount in
the month prior to loan
modification. This should be
the escrow portion of the
monthly payment and not the
full escrow balance.
This line item should only be
populated for loans with a
value in Line item 74
(Modification Type).

Line Item
No.
108

109

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Escrow Amount
After Modification

M937

Report the escrow amount in
the month after loan
modification. This should be
the escrow portion of the
monthly payment and not the
full escrow balance.

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

Alternative Home
Liquidation Loss
Mitigation Date

M938

This line item should only be
populated for loans with a
value in Line item 74
(Modification Type).
Report the date on which the
most recent Alternative Home
Liquidation Loss Mitigation
strategy was executed (when
the program was completed).

Alternative Home Liquidation
Loss Mitigation Strategies
include the new and evolving
strategies that are designed to
minimize loan losses and avert
loan foreclosures. These
strategies include, but are not
limited to, other alternative
programs intended to limit the
costs and losses related to the
sale of the home, deed in lieu,
or foreclosure, but which result
in the borrower forfeiting
ownership of the home. These
new strategies are in addition
to traditional home liquidation
loss mitigation strategies, such
as short sales and deeds in lieu

YYYYMMDD

Format, Line
Item Length
Whole Number

YYYYMMDD

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

YYYYMMDD

of foreclosure.

110

Alternative Home
Retention Loss
Mitigation Date

M939

This line item should only be
populated for loans with a
value of 12 in Line item 77
(Workout Type Completed),
indicating a workout type of
“Other”.
Note: This line item should be
used only for programs that
cannot be coded under any
other plan. Loans coded in
traditional plans should not be
coded here as well.
Report the date on which the
most recent Alternative Home
Retention Loss Mitigation
strategy was executed (when
the program was completed).

Alternative Home Retention
Strategies include the various
new and evolving loss
mitigation strategies that are
designed to minimize loan
losses, avert loan foreclosures,
and enable borrowers to retain
their residence. These
strategies include, but are not
limited to, "short refinances"
(servicer facilitates a loan
refinance, with the investor
accepting a short payoff of the
existing first mortgage), and
other refinance or alternative

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

1=Full Appraisal
2=Limited Appraisal
3=Broker Price Opinion
4=Desktop Valuation
5=Automated Valuation Model
6=Unknown

Character(1)

programs intended to prevent
the sale of the home, a deed in
lieu, or a foreclosure.

111

Original Property
Valuation
Method(appraisal
method)

M940

Note: This line item should be
used only for programs that
cannot be coded under any
other plan. Loans coded in
traditional plans should not be
coded here. If alternative loss
mitigation does not apply to the
loan, leave this line item blank.
Report the method by which
the value of the property was
determined at the time the loan
was originated.
Options are:
•Full appraisal – Prepared by a
certified appraiser
•Limited appraisal – Prepared
by a certified appraiser
•Broker Price Opinion “BPO” –
Prepared by a real estate
broker or agent
•Desktop Valuation – Prepared
by bank employee
•Automated Valuation Model
“AVM”

Line Item
No.
112

113

114

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Third Party Sale
Flag

M941

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

Report the scheduled escrow
amount (including taxes and
insurance) due from the
borrower scheduled for the
reporting month.

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

Whole Number

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

Whole Number

Escrow Amount
Current

Escrow Amount at
Origination

M268

M942

Report 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
line item 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 line
item should be coded with a
zero.

For non-escrow loans, report a
value of zero.
Report the escrow amount
(including taxes and insurance)
due from the borrower at
origination of the loan
(included in the first payment).
For non-escrow loans, report a
value of zero.

Format, Line
Item Length
Character(1)

Line Item
No.
115

116

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Remodified Flag

M943

Report whether the loan has
been modified more than once
in the last 24 months.

N = No
Y = Yes

Mortgage
Insurance
Company

M944

Code with a “Y” if the loan has
been modified more than once
in the last 24 months.

Report the mortgage insurance
company.

MI Company Coding
1 = GE
2 = MGIC
If the mortgage is insured
3 = PMI
against loss in any way, either
4 = UGIC
through primary or pool-level
5 = RMIC
insurance, then report the
6 = Radian
company providing that
7 = Integon
insurance. If more than one
8 = Triad
company is insuring against
9 = CMG
losses, give preference to the
10 = Essent
company providing the primary 11 = No MI
MI.
12 = Has MI - Company
Other/Unknown
99 = Unknown whether has MI

Format, Line
Item Length
Character(1)

Numeric

Note: List subject to change for
new MI Company entrants.

Line Item
No.
117

118

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Interest Type at
Origination

M244

Report the interest type at
origination.

1 = Fixed
2 = Variable

Entity Serviced

• Fixed – Loans where the
interest rate is fixed for the
entire term.

M945

• 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.
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.

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

1 = FRB
2 = OCC
3 = FDIC

Format, Line
Item Length
Character(1)

Character(1)

Line Item
No.

119

Line Item Name

Loss/Write down
Amount

MDRM (CCFL)

M241

Detailed Description
member bank or a subsidiary of
a BHC that is not a federally
insured bank, then the ‘Entity
Serviced’ is FRB (code value =
1).
NOTE: This line item is only
required for firms with bank
subsidiaries regulated by the
OCC and is optional for all
others.

Allowed Values

Format, Line
Item Length

e.g, 125000 for $125,000.00

Whole Number

Report losses and principal
write downs incurred during
the month, including all writeoffs of principal, interest,
receivables, or accruals that are
deemed uncollectible. If the
charge off is positive, then
reversals should be reported as
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), as
defined in the FR Y-9C glossary
entry for “allowance for loan
and lease losses”. Also include
all reversals of accrued but not
collected interest, not directly
charged against the ALLL. This
should include accounting
adjustments to fair market

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

value.

If multiple write-downs
occurred in a given month,
report the total amount of
write-downs for that month.

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

YYYYMMDD

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

Whole Number

0 = No junior lien on property

Character(1)

(losses) on sales of other real
estate owned”.

120

Loss/Write down
Date

M947

121

Sales Price of
Property

M948

122

Performance of

M949

Report the date on which the
loss or write-down was
incurred. If multiple writedowns occurred in a given
month, report the date of most
recent write-down for that
month. Specific dates should
be reported. However, if the
BHC can only identify the
month, then the ‘DD’ portion
should be reported as ‘01’ (e.g.
20120301 for March of 2012).
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. Net proceeds
from short sales or third party
sales should be reported in
Line item 94.
Note: This line item is a
required line item for Investor
Type code values 4 (Private
Securitized) and 7 (Portfolio)
and best efforts for all others.
Report whether the junior

Line Item
No.

Line Item Name

MDRM (CCFL)

Junior Lien(s)

123

Ever 90+ DPD in
the Past 12 months

Detailed Description

Allowed Values

lien(s) are performing or not.

1 = One or more junior liens are
on the property and all are
performing
2 = One or more junior liens are
on the property and one or
more junior liens are not
performing
3 = One or more junior liens are
on the property and status is
unknown
4 = Presence of junior lien is
unknown.

Note: This line item is a
required line item for
“Portfolio” and “Serviced By
Others” loans, and best efforts
line item for “Serviced For
Others”. This includes junior
liens not held by the BHC.

M950

A loan is considered nonperforming if the loan is not
current (30 days or more past
due by the MBA method).
Report whether the loan has
delinquent history information
in the past 12 months. Use the
Mortgage Bankers Association
delinquency method.
•

•

N = No
Y = Yes
U=Unknown

Format, Line
Item Length

Character(1)

“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

Line Item
No.
124

125

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Commercial Loan
Flag

M951

Report whether the loan is a
commercial real estate (CRE) or
commercial business purpose
loan or transaction.

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

Report the Probability of
Default (PD) for the account as
defined in the most recent
capital framework. More
specifically, report the PD
associated with the account’s
corresponding segment.

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

Probability of
Default – PD

M114

This line item is reserved for
certain CRE or commercial
business purpose loans secured
by 1-4 residential properties
where the underlying 1-4
residential loans are required
to be reported on Schedule Y9C 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 property.

Format, Line
Item Length
Character(1)

Numeric, up to
5 decimals

Note: Applicable only to firms
subject to the advanced
approaches rule. This item is
required for BHC-owned loans
only.

Line Item
No.
126

127

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Loss Given Default
– LGD

M115

Report the Loss Given Default
(LGD) for the account as
defined in the most recent
capital framework. More
specifically, report the LGD
associated to the account’s
corresponding segment.

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

Expected Loss
Given Default –
ELGD

M116

Note: Applicable only to firms
subject to the advanced
approaches rule. This item is
required for BHC-owned loans
only.
Report the Expected Loss Given
Default (ELGD) parameter for
the account as defined in the
most recent capital framework.
More specifically, report the
ELGD associated to the
account’s corresponding
segment. Missing or
unavailable values should be
left blank.

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

Format, Line
Item Length
Numeric, up to
5 decimals

Numeric, up to
5 decimals

Note: Applicable only to firms
subject to the advanced
approaches rule. This item is
required for BHC-owned loans
only.

Line Item
No.
128

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Exposure at
Default – EAD

M117

Report the dollar Exposure at
Default (EAD) for the account
as defined in the most recent
capital framework. More
specifically, report the EAD
associated to the account’s
corresponding segment. In
particular, for open-ended
exposures assign to all the
accounts in a particular
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.

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

Format, Line
Item Length
Whole Number

Note: Applicable only to firms
subject to the advanced
approaches rule. This item is
required for BHC-owned loans
only.
Abbreviations:
LEQ: Loan-equivalentexposure
CCF: Credit Conversion Factor

Line Item
No.
129

130

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Entity Type

M952

HFI FVO/HFS Flag

M953

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.’

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

131

Interest Only Term
– Original

M954

132

Interest Type Current

M248

Portfolio HFI FVO / HFS Flag –
Report whether all portfolio
loans are held for investment
(HFI) measured at fair value
under a fair value option (FVO)
or held for sale (HFS).
Note: For non-portfolio loans
leave this line item blank.

Report the number of months
where the loan payment is
interest only. Provide this
information based on the
original loan terms.

Report the loan interest type in
the current reporting month.
• 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

Format, Line
Item Length
Whole number

Y= Yes
N = No

Character(1)

Whole Number

1 = Fixed
2 = Variable

Character(1)

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

1 = Fixed 30
2 = Fixed 20
3 = Fixed 15
4 = ARM 2
5 = ARM 3
6 = ARM 5
7 = ARM 7
8 = ARM 10
9 = ARM Other
10 = Other
11 = Fixed 40
12 = Fixed Greater than 40
13 = Fixed Other
14 = Fixed 10
15 = ARM 1
16 = ARM 15

Character(2)

an initial fixed period.

133

Product Type –
Origination

M955

Report the product type as of
the loan origination

Identifies the product type of
the mortgage, including the
interest type, amortization
term and initial fixed period for
hybrid products.

Fixed 30 – Fixed rate
amortizing loans with a 30 year
loan term. Also include fixed
rate loans where loan term is
greater than 20 and less than
30 years.

Fixed 20 – Fixed rate
amortizing loans with a 20 year
loan term. Also include fixed
rate loans where loan term is
greater than 15 and less than
20 years.

Fixed 10 – Fixed rate
amortizing loans with a 10 year
loan term. Also include fixed

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

rate loans where loan term is
less than 10 years.

Fixed Other – Fixed rate loan
where the loan term does not
fall under any of the categories
(Fixed 30, Fixed 20, Fixed 15,
Fixed 10, Fixed 40, Fixed
Greater than 40). Use this code
where the loan is not simply a
fixed-rate amortizing term
loan. Some examples include
Balloon, interest only or fixed
rate pay option loans.

ARM 1 – Adjustable rate
mortgage where the initial rate
reset is less than or equal to 1
year.

ARM 2 – Adjustable rate
mortgage where the initial rate
reset is greater than 1 year and
less than or equal to 2 years.

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

ARM 3 – Adjustable rate
mortgage where the initial rate
reset is greater than 2 year and
less than or equal to 3 years.

ARM 5 – Adjustable rate
mortgage where the initial rate
reset is greater than 3 year and
less than or equal to 5 years.

ARM 7- Adjustable rate
mortgage where the initial rate
reset is greater than 5 year and
less than or equal to 7 years.

ARM 10 – Adjustable rate
mortgage where the initial rate
reset is greater than 7 year and
less than or equal to 10 years.
ARM 15 - Adjustable rate
mortgage where the initial rate
reset is greater than 10 years
and less than or equal to 15
years.

ARM Other – Adjustable rate
loan where the loan term does
not fall under any of the
categories (ARM 1, ARM 2, ARM
3, ARM 5, ARM 7, ARM 10, ARM
15). An example would be an
Option ARM.

Other – Use this code to capture

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

1=FICO

Character(1)

loans which do not fall into any
of the categories listed above.
An example would be
Graduated Payment Mortgages
(GPMs).

134

Origination Credit
Bureau Score
Vendor

R036

List the vendor of the
commercially available credit
bureau score reported in item
13. If the vendor of the
commercially available credit
score reported in item 13 is not
among those listed, please
select “Other” and report the
vendor in item 135. List the
version of the credit score in
item 135. Note that scores
which do not meet the
definition of a commercially
available credit bureau score as
set forth in the General
Instructions may be treated as
missing data by the Federal
Reserve.

2=VantageScore
3=Other

Line Item
No.
135

136

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Origination Credit
Bureau Score
Version

R037

Text String

Current Credit
Bureau Score
Vendor

R038

Provide the version of the
commercially available credit
bureau score reported in item
13 (for example, FICO 08 or
VantageScore 3.0). If “Other”
was selected in item 134,
please report the vendor name
along with the schedule version
(in the format “vendor name –
score version”).

Format, Line
Item Length
Character(30)

1=FICO

Character(1)

List the vendor of the
commercially available credit
bureau score reported in item
48. If the vendor of the
commercially available credit
score reported in item 48 is not
among those listed, please
select “Other” and report the
vendor in item 137. List the
version of the credit score in
item 137. Note that scores
which do not meet the
definition of a commercially
available credit bureau score as
set forth in the General
Instructions may be treated as
missing data by the Federal
Reserve.

2=VantageScore
3=Other

Line Item
No.
137

138

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Current Credit
Bureau Score
Version

R039

Text String

Current Credit
Bureau Score Date

S382

Provide the version of the
commercially available credit
bureau score reported in item
48 (for example, FICO 08 or
VantageScore 3.0). If “Other”
was selected in item 136,
please report the vendor name
along with the schedule version
(in the format “vendor name –
score version”).

Format, Line
Item Length
Character(30)

YYYYMMDD

Provide the date on which the
commercially available credit
bureau score reported in item
48 was obtained.

A.2 Portfolio Level Table
Line
item
No.
1

Line Item
Name

MDRM
(CCFP)

Detailed Description

Allowed Values

Format

Portfolio
Segment ID

M240

Report the portfolio segment.

Character(1)

Unpaid
Principal
Balance

M201

Unpaid Principal Balance – Report 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

Loss /
Writedown
Amount

M241

Loss / Write-down Amount – For all 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 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.
The loss-write down amount is the cumulative loss or
principal write-down, and will equal the charge-offs
incurred over the life of the loan.

Current unpaid balance
at end of the reporting
month.

Whole
Number

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

Whole
Number

Report in millions of
dollars.

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

Schedule B: Domestic Home Equity Loan and Home Equity Line Data Dictionary
Loan Population
•

•
•

•

•
•
•
•
•
•

The relevant loan population includes all loans directly held on the BHC’s portfolio and all loans
serviced by the BHC in that period. Loans should be reported based on their classification on the FR Y9C, Schedule HC-C (i.e. based on the loans security, counterparty, or purpose). Refer to the FR Y-9C
instructions for Schedule HC-C for guidance on loan classification. Please note, lien status (first, junior,
etc.) is considered an origination attribute. Below is a list of FR Y-9C items that are considered
applicable loans for this schedule:
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 home equity loans/lines reported
in FR Y-9C, Schedule HC-S, item 1.(columns A and B), Schedule HC-S item M.2.a, Schedule HC-S,
item M.2.b, and Schedule HC-S, item M.2.d.
Continue reporting the HELOCs in the Y-14M Home Equity schedule even after they have entered into a
pay down status and are no longer revolving credits. The line type at origination determines where the
exposure should be reported.
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. For
purposes of this schedule, liquidated is defined as inventory that has been sold or has been
otherwise disposed of.
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 Home Equity 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. However, REO balances should
not be included in the Portfolio Level Table.
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.
For loans secured by multiple pieces of collateral, only report the loan as REO when all the collateral
backing the loan has become REO and the loan has been terminated.
For commercial real estate (CRE) or business purpose loans collateralized by properties, place values to
the best of your ability.
If the loan is a commercial purpose loan then only report attributes that are unique to the facility as a
whole.
For loans serviced for others, report the full outstanding balance on the loan. Participated loans should
be included in this schedule and institutions should report the total loan balance as bank owned.
An amount, zero or null (be left blank) should be entered for all items, except in those cases where
other options such as “not available” or “other” are specified. If information is not available or not
applicable and no such options are offered, the line item should be left blank.
96

•

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 Y-14M 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.

Additional Formatting
•
•

•

•
•

•
•
•

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
“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/line in the contributor’s
inventory.
Institutions should provide a separate text file for the portfolio level variables. 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 portfolio segment. Portfolio segments are
defined as:
1. Serviced – All serviced loans/lines.2. Portfolio HFI Purchased Impaired –All portfolio
loans/lines acquired with deteriorated credit quality and accounted for in accordance with ASC
subtopic 310-30 (formerly AICPA statement of position 03-3), as defined in the FR Y-9C,
Schedule HC-C, item M.5.
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 that are not measured at fair value, not purchase
impaired, and not serviced.
Options for all line items are comprehensive in identifying a valid value for all loans regardless of status.
If a mandatory line item is unknown or unavailable and the line item definition does not indicate
‘Unknown’ as a valid line item option, the line item should be left blank and it will be treated as missing
data. Also, if a line item does not apply to the loan, the line item should be left blank.
For loan/line 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 any line item 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 line items 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 paid-in-full by borrower) before the beginning of the reporting month should not be
97

•

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 line items 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

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 Home Equity Schedule, BHCs should provide the data each month in a single pipe‐delimited
text file. Line items 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.

B.1 Loan/Line Level Table
Line
Item
No.
1

Line Item
Name
Loan Number

MDRM
(CCHE)
M142

Detailed Description

Allowed Values

Loan Number – Report an identifier for a loan that will be the
same from month to month. Reference numbers may be used in
lieu of actual loan numbers as long as it meets these criteria.

A contributordefined alphanumeric value up to
32 characters.
Please refer to
additional details
listed on Page 95 of
the document.

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).

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.

Loan Closing
Date

M143

First
Payment
Date

M144

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.
Loan Closing Date – Report the date the loan originally closed.
YYYYMMDD
Will use this date to determine the loan’s vintage. If the loan
closing date is not available, then the origination date on the
loan can be used instead to populate this line item.
First Payment Date – Report the date the borrower was
YYYYMMDD
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 line item should be left blank.

Format, Line
Item Length
Character (32)

YYYYMMDD
YYYYMMDD
99

Line
Item
No.
4
5
6

8
9

Line Item
Name

MDRM
(CCHE)

Detailed Description

Property
State
Property ZIP
Code

9200

Property State – Report the state in which the property is
located.
Property Zip Code – Report the five-digit ZIP code.

Original Loan
Amount
Disbursed

M147

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

Original Loan
/ Line
Commitment

9220

Amount of loan rounded to the nearest whole dollar.
M242

Original
Property
Value

M148

Original
Combined
LTV

M150

Income
Documentati
on

M151

This data should be available either in BHCs' loan origination
systems or loan servicing systems, and must be populated.
Original Loan / Line Commitment- Report the total credit line
available at origination (i.e., the total commitment), not the
actual amount drawn (amount drawn is reported in Line Item
6). For lines with a zero balance and no draws, report ‘0’ for
this item.

Note: For HELOANSs, Line items 6 and 7 will be the same value.
Original Property Value – Report 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.
Original Combined LTV – Report the original combined loanto-value (LTV) ratio is the original amount of the home equity
loan (or credit line) taken from Line Item 7 (Original Loan/Line
Commitment), in addition to any senior or other junior liens,
divided by the property value at the time of loan origination.
Report how the borrower’s income levels were documented at
the time of origination.

Allowed Values

Format, Line
Item Length

Two-letter postal
codes for the state
Five-digit number.
Include leading
zeroes, e.g.:
00901, 10101
e.g. 125000 for
$125,000.00

Character(2)

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
Income
Documentation
Coding

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

Character(5)
Whole Number

Character (1)
100

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

• Full – The borrower provided full verification of income levels
via W2, pay stubs, tax returns, etc.; assets were verified; and
other underwriting criteria were documented.

1 Full
2 Alt/Low –Lender
3 Alt/Low –
Borrower
4 Alt/Low Unknown
5 Stated – Lender
6 Stated –
Borrower
7 Stated –
Unknown

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

• 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.

Format, Line
Item Length

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.
Please sub‐classify. If you do not know how to sub-classify,
report using the "7 Stated Unknown" or “4 Alt/Low –
Unknown” option, as appropriate.

Debt to
Income (DTI)

M152

This line item may be provided on a best efforts basis for loans
serviced for others and loans acquired through mergers and
acquisitions.
Debt to Income (DTI) - Report the back-end DTI ratio, which is
the percent of a borrower’s total monthly debt payments

Whole Number

Whole Number
101

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Back-End at
Origination

Debt to
Income (DTI)
Front-End at
Origination

Detailed Description

Allowed Values

Format, Line
Item Length

(including proposed housing expenses) divided by the
borrower(s) gross monthly income. This ratio gives the
percentage of monthly income necessary to cover all of the
borrower(s) debt obligations.

M153

This line item may be provided on a best efforts basis for loans
serviced for others and loans acquired through mergers and
acquisitions.
Debt to Income (DTI) – Report the front-end DTI ratio, which is
the monthly principal, interest, tax, insurance (PITI) payment
divided by the borrower(s) gross monthly income.

Whole Number

Debt to Income (DTI) - Front- End - Report the front-end DTI
ratio (i.e. the PITI Housing Ratio) at the origination of the
mortgage.

Origination
Credit Bureau
Score

M154

Current Credit
Bureau Score

M189

Occupancy

M155

Front-end DTI ratios give the percentage of a borrower's
monthly income that would go toward housing (PITI) expenses.
The total liabilities of the borrower, including the monthly
principal, interest, taxes, insurance, association dues, etc.,
should be divided by the total monthly income of the borrower.
Report the credit score of the borrower at origination using a
commercially available credit bureau score (for a definition of a
commercially available credit bureau score, see the General
Instructions). Report the credit score vendor in item 109 and the
credit score version in item 110.
Report the current credit score of the borrower using a
commercially available credit bureau score (for a definition of a
commercially available credit bureau score, see the general
instructions). Provide the most recently determined commercially
available credit score of the borrower. Report the credit score
vendor in item 111 and the credit score version in item 112.
Owner Occupancy Flag – Report Occupancy related information
available on the mortgage at the time of origination.

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

Whole Number

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

Whole Number

Occupancy Coding
1 = Primary

Character(1)
102

Line
Item
No.

Line Item
Name

Lien Position
at Origination

M158

Home Equity
Line Type

M243

Number of
Units

Property
Type

MDRM
(CCHE)

M162

M164

Detailed Description

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

If there are no additional liens, the loan is in first position. If the
lien position is greater than third, then code as “3”.
Report the 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.
Number of units to the property financed by the loan – Report
the number of units of the property. If the actual number of
units is not available for multi-family or 1-4 family properties,
please code this line item with a “U”.

For CRE or commercial purpose mortgage loans on multiple
properties that are submitted under this schedule, please code
this line item with a “Y”.
Property Type -

Report the property type. For one property with multiple uses,
report as “F” (Mixed Use). For properties with more than one
piece of collateral, report as "Z" (Other).

Allowed Values
2 = Second Home
3 = Non Owner /
Investment
U = Unknown
1 = First lien
2 = Second lien
3 = Third lien or
greater
U = Unknown
1 = Home Equity
Loan
2 = Home Equity
Line of Credit
3 = Other

Format, Line
Item Length

Character(1)

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

Character(1)

1 = Single Family
Resident
2 = Condo
3 = Co-Op
4 = 2-4 Units
5 = Townhouse
6 = Planned Unit
Development
7 = 5+Units

Character(1)

103

Line
Item
No.

Line Item
Name

Interest Type
at Origination

Interest Only
at Origination

MDRM
(CCHE)

M244

M168

Interest Only
in Reporting
Month

M190

Loan Source

M159

Detailed Description

Report the interest type at origination.

• 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.
Interest Only at Origination - Report whether the loan required
interest only at origination. That is, at origination, was the
minimum monthly payment for the loan just interest.
An interest only (IO) mortgage is a nontraditional mortgage
which allows the borrower to pay only the interest due on the
loan for a specified number of years, and whose interest rate
may fluctuate or be fixed. After the interest-only period, the
rate may be fixed or fluctuate based on the prescribed index,
with payments including both principal and interest.
Interest Only in Reporting Month – Report whether the
minimum payment in the reporting month represents only the
interest due on the loan.

That is, at end-of-month for the reporting month, was the
minimum monthly payment for the loan just interest.
Loan Source – Report 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

Allowed Values
E = Commercial
F = Mixed Use
M = Manufactured
Housing
Z = Other
U = Unknown
1 = Fixed
2 = Variable

Format, Line
Item Length

Character(1)

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

Character(1)
104

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description
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.

Allowed Values

Format, Line
Item Length

4 = Servicing Rights
Purchased
5 = Bulk Purchased
6 = Wealth
Management /
Private Banking
U = Unknown

• 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 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 bankowned 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

105

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Format, Line
Item Length

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.

Credit Class

M156

• Wealth Management/Private Banking – report all loans
originated through a servicer’s private wealth management or
private banking division.
Report the credit class, which is the servicer defined Prime, AltA, and Non-prime designation.
Please note that this is a servicer defined line item.

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.

Allowed Values

Loan / Line
Owner

M245

Although the Credit Class line items in the FR Y-14M First Lien
and Home Equity schedules allow servicer-defined categories
of Prime, Non-Prime and Alt-A mortgages, these definitions
should be consistent across time periods within a single FR Y14M submission and consistent across multiple FR Y-14M
submissions submitted over time.
Loan / Line Owner – Report 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 and held for investment in this
category.
• Serviced For Others – Loans that are not contained in

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

Character(1)

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

Character(1)

106

Line
Item
No.
26

27
28

Line Item
Name
ARM Initial
Rate Period

ARM
Payment
Reset
Frequency
Allowable
Draw Period

ARM Index

MDRM
(CCHE)
M171

M246
M247

M173

Detailed Description
securitizations and are owned by a party other than the bank.
ARM initial rate adjustment period (In months)- Report the
term, in months, from the time of origination to the first
interest rate change date for ARMs.

Report the initial fixed principal and interest payment period in
months for adjustable rate hybrid loans.
Report the payment reset frequency for adjustable rate loans in
months.
Draw Period – For lines of credit only, report 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 blank for home equity loans.
Note: Use a value of 999 if the borrower is always allowed to
draw on the account, as in the case of “evergreen” accounts.
Report the published financial index name used to determine
the interest rate.
If a firm is using the Wall Street Journal prime rate, the firm
should use code ‘50’.

Line items 29-36: For HELOCs in particular, use these line items
to report caps and floors on the line's interest rate, as well as
margins and rate indexes that are used to calculate the line's
monthly interest rate.

Allowed Values

Format, Line
Item Length

Whole Number

1 – 480;
999

Whole Number

07 = COSI - Cost of
Character(2)
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
22 = COFI NM
2Z = COFI Other
30 = LIBOR
107

Line
Item
No.

Line Item
Name

ARM Margin
at Origination

M174

ARM Periodic
Rate Floor

M177

ARM Lifetime
Rate Floor

M179

31
32
33
34

MDRM
(CCHE)

ARM Periodic
Rate Cap

M176

ARM Lifetime
Rate Cap

M178

Detailed Description

ARM margin- Report the margin for adjustable rate loans,
which is the rate that is added to the index to determine the
monthly interest rate at origination of the loan.
ARM Periodic Rate Cap- Report the periodic interest rate cap
for adjustable rate loans.
Absolute rate cap (not spread from original)
ARM Periodic Rate Floor- Report the periodic interest rate floor
for adjustable rate loans.
Absolute rate floor (not spread from original)
ARM Lifetime Rate Cap- Report the lifetime interest rate for
adjustable rate mortgages. Absolute rate cap (not spread from
original)
ARM Lifetime Rate Floor- Report the minimum lifetime interest
rate for adjustable rate mortgages. Absolute rate floor (not

Allowed Values
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
Provide as a
fraction. E.g.:
0.0575 for 5.75%
Provide as a
fraction. E.g.:
0.0175 for 1.75%
Provide as a
fraction. E.g.:
0.0175 for 1.75%
Provide as a
fraction. E.g.:
0.0575 for 5.75%
Provide as a
fraction. E.g.:

Format, Line
Item Length

Numeric, to 5
decimals
Numeric, to 5
decimals
Numeric, to 5
decimals
Numeric, to 5
decimals

Numeric, to 5
decimals
108

Line
Item
No.

Line Item
Name

ARM Periodic
Pay Cap

M180

ARM Periodic
Pay Floor

M181

36
37

Original
Loan/Line
Term

MDRM
(CCHE)

M184

Detailed Description
spread from original)

Report the cap on monthly payments for adjustable rate
mortgages.

Note: The periodic pay cap refers to the maximum percentage
point increase over the previous payment. So for a $1,000
principal and interest (P&I) payment in the previous month, a
7.5% pay cap implies that the P&I payment next month cannot
exceed $1,075 at the adjustment. Note that the 7.5% pay cap
should be reported as a fraction, in this case 0.0750.
Report the floor on monthly payments for adjustable rate
mortgages.
Report the term in months on the original loan/line.

This line item is intended to be reported for both home equity
loans and lines of credit.

Allowed Values
0.0575 for 5.75%

Format, Line
Item Length

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

Numeric, to 5
decimals

Provide as a
fraction. E.g.:
0.0575 for 5.75%
Whole Number
Allowable values: 0
– 600, 999

Numeric, to 5
decimals

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

Character(1)

Whole Number

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 line item is intended to capture the loan
term at loan origination.

Bankruptcy
Flag

M194

M196

For loans in which there is no end date for the draw period
(e.g., "Evergreen" loans) use the value '999'.
Bankruptcy flag – Report 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 co-borrowers.
Next payment due date – Report the due date for the next

YYYYMMDD
109

Line
Item
No.

40
41
42
43

Line Item
Name

MDRM
(CCHE)

Detailed Description

Payment Due
Date

outstanding payment on the loan. For delinquent loans, this
date will be in the past.

Original
Interest Rate

In cases where the debtor is in Chapter 13 bankruptcy, the
contractual due date should be reported.
Original Interest Rate – Report the annual percentage rate as
specified on the note at the time of origination.

Current
Interest Rate

Format, Line
Item Length

This line item should be left blank for account closed in the
current month.
M185
M197

Interest Type M248
- Current
Principal and M200
Interest (P&I)
Amount
Current

Unpaid
Principal
Balance

Allowed Values

M201

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

Interest Type in Current Month – Report the interest type in the
reporting month.
Principal and Interest (P&I) Amount Current – Report the
scheduled principal and interest due from the borrower in the
reporting month.
In the case where mortgage bills quarterly rather than monthly,
report the line item with a zero value for the off quarter
months. Also, if a new loan does not bill until the following
month, then report the amount as 0 for the current reporting
month submission.

Note: This line item 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 – Report the 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

Provide as a
fraction. E.g.:
0.0575 for 5.75%
Provide as a
fraction. E.g.:
0.0575 for 5.75%
1 = Fixed
2 = Variable
Whole Number
e.g.,

Numeric, to 5
decimals

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

Whole Number

Numeric, to 5
decimals
Character(1)

Whole Number

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

110

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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

Whole Number

when:

• For loans: when the loan has been liquidated – either paid-infull, charged-off, REO sold or service transferred.
45
46
47

Monthly
Draw
Amount

M249

Current
Credit Limit

M250

Loan Status
(MBA
method)

M251

• For lines: either when the loan has been liquidated or when
the credit line is not being utilized by the borrower.
For home equity line of credit accounts, report the total amount
drawn during the month. For lines with a zero balance and no
draws, report ‘0’ for this item.
Current Credit Line Amount – For lines of credit, report the
total credit line currently available to the borrower. Important:
Leave blank for home equity loans.
Report the status of borrower payments (Current, 30, 60, 90
etc.) of the loan. PLEASE NOTE: Indicators of Foreclosure,
Bankruptcy and REO are also carried in this line item.

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.
If a loan has been liquidated by means of a short sale or has
been sold to a third party at a foreclosure sale in the reporting
month, then report a “0”.

In the case of loan which has been charged off and not moved to
REO, the following codes will apply ‐ Liquidation Status (Line

Whole Number
Character(1)

111

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Foreclosure
Referral Date

M203

Foreclosure
Sale Date

M202

Detailed Description
item 54) will have a code value of 2: involuntary liquidation,
which includes charge off.
Foreclosure Referral Date – Report 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.
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.

Allowed Values

Format, Line
Item Length

YYYYMMDD

Y=Yes
N=No
U=Unknown
Whole number in
months. E.g.,
36 for 36 months (3
years).

Character(1)

Note: If a loan is not in foreclosure, then the Foreclosure Sale
Date line item (Line item 49), Foreclosure Referral Date line
item (Line item 48) should be blank, i.e. null value. Do not
populate this line item with a 0 date value, or with any other
value.

50
51

Pre-Payment
Penalty Flag

Pre-Payment
Penalty Term

Paid-in-full

M187
M188

M205

Populate the date for any loan that has completed foreclosure
sale whether or not the title was acquired by the bank. For
borrowers that are in a state that allows for right of
redemption, you should still report the appropriate foreclosure
sale date on that loan.
Pre-Payment Penalty Flag – Report whether the loan carries a
penalty if the borrower prepays the loan during a specified
period of time.
Pre-Payment Penalty Term (In Months)-Report the time period
from loan origination that a prepayment penalty applies (if
applicable).
This is an origination line item and should specify the time
period from origination for which a prepayment penalty would
have applied. It should not change with the reporting month.

Whole Number

112

Line
Item
No.

Line Item
Name
Coding
(Retired
March 2013)
Foreclosure
Status

MDRM
(CCHE)

M206

Detailed Description

Foreclosure Status – Report 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. This includes loans
active in the month prior to the reporting month that were sold
at a foreclosure sale and taken into REO in the reporting month.

Liquidation
Status

M252

• 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.
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 month-end 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

Allowed Values

Format, Line
Item Length

0 = Not in
foreclosure
1 = In foreclosure,
pre-sale
2 = Post-sale
foreclosure,
Redemption, nonREO (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)

113

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

has been liquidated either through foreclosure proceedings or
another settlement option resulting in incomplete repayment of
principal. Include short-sales, charge-offs, as well as REO
liquidations. When the credit has been resolved (i.e. no longer
pursuing collection) but not through foreclosure, servicing
transfer or paid by home owner, please use the following code
values.

Troubled
Debt
Restructure
Date

N185

Repayment
Plan
Performance
Status

M219

• Servicing Transfer – Code all instances where the servicing of
the loan has been transferred or sold to another institution
during the reporting month.
Troubled Debt Restructure – Report the date designating when
the loan was classified as a Troubled Debt Restructuring (TDR),
as defined in the FR Y-9C Glossary entry for “Troubled Debt
Restructuring”. The date is reportable for the duration of time
when the loan operates under the TDR designation; in the event
that the loan is no longer designated at TDR, discontinue
reporting this item for the loan.
Repayment Plan Performance Status – Report the performance
of repayment and stip-to-mod 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 line
item and under the following:
• Code as a “0’ 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

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

Numeric

114

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description
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 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 his or
her request during the month.

Allowed Values

Format, Line
Item Length

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

• 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.

Capitalization

M222

• 2MP/HAMP Trial Cancellation – The 2MP or HAMP Trial was
cancelled due to borrower ineligibility or other reason.
Capitalization – Report whether the loan has been through
capitalization. Capitalization is defined as instances where
accrued and/or deferred principal, interest, servicing advances,
expenses, fees, etc. are capitalized into the unpaid principal

N = No
Y = Yes

Character(1)
115

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Interest Rate
Frozen

M232

Principal
Deferred

M227

SOP 03-3
Status

M234

Workout
Type
Completed

M218

Detailed Description
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 line item should be “Y”; otherwise, it should
be “N.
This line item should only be populated for loans with a value
in Line item 77 Modification Type indicating that a loan has
been modified.
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 line item should be “Y”; otherwise, it
should be “N.
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 line item should
be “Y”; otherwise, it should be “N.

This line item should only be populated for loans with a value
in Line item 77 Modification Type indicating that a loan has
been modified.
SOP-03-03 - Report whether any loans are accounted for under
SOP-03-03 purchase accounting. If the loan is accounted for
under SOP-03-03 purchase accounting, this line item should be
“Y”; otherwise, it should be “N.
Note: None of the records should be left blank.
Workout Type Completed / Executed – Report the type of loss
mitigation activity.

This line item 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

Allowed Values

Format, Line
Item Length

N = No
Y = Yes

Character(1)

N = No
Y = Yes

Character(1)

N = No
Y = Yes

Character(1)

0 = No Workout
Plan Performed
1 = Modification
2 = Payment Plan
3 = Deed in Lieu
4 = Short Sale
5 = Stipulated

Numeric

116

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

delinquent obligations to the servicer. The line item should be
coded in only the reporting month when the workout type was
completed and not in subsequent months. For the cases where
loss mitigation efforts are ongoing but not completely resolved,
this line item should be left blank. Also, if a loan has never been
in loss mitigation, the value should be left blank.

Repayment / stip to
mod
6 = Do not Use
7 = Settlement
8 = Other

Format, Line
Item Length

Code 1 Modification - Populate in the month that the
modification is completed and the new loan terms are in effect.
Do not include modifications, such as those performed under
the Home Affordable program that were completed following a
trial or stipulated repayment period – these should receive a
value of 5 (see below).

Codes 3 and 4 – Deeds In Lieu and Short Sales – Populate in the
month the loan is liquidated through a deed in lieu, short sale
(or payoff) negotiated settlement.

First
Mortgage
Serviced In
House

M253

Settlement
Negotiated
Amount

M254

Code 5 – Stipulated Repayment / Stip to Mods – Code this line
item in the month that a loan is modified after having
completed a stipulated or trial payment period. This should
include loans modified under the Home Affordable Modification
program.
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 blank for any first lien home
equities.
Settlement Negotiated Amount – Report the settlement amount
(portion of the outstanding unpaid principal balance) agreed to
be paid by the customer.
For any loan or line where the “Settlement” option is selected

N = No the first
mortgage is not
serviced in house
Y = Yes, the first
mortgage is
serviced in house.
e.g., 125000 for
$125,000.00
Use Banker’s
Rounding

Character(1)

Whole Number

117

Line
Item
No.

Line Item
Name

Credit Line
Frozen Flag

MDRM
(CCHE)

M255

Detailed Description
under the Workout Type Completed / Executed line item,
populate the total outstanding portion of the UPB that the
borrower has agreed to pay.
Credit Line Frozen Flag – Report whether the 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 line item 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 blank for home
equity loans.

Allowed Values

Format, Line
Item Length

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

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

Whole Number

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.

Locked
Amount –
Amortizing –
LOC

M256

Locked
Amount –
Interest Only

M257

Frozen is meant to be a temporary situation due to a decrease
in property value or short term delinquency. The line can
eventually be “unfrozen”.
Locked Amount – Amortizing – LOC – Report the amount of
credit line that has been locked and is now amortizing.

For lines of credit, populate this line item with the total dollar
amount of the outstanding principal balance that has been
“locked’ and is now amortizing under independent loan terms.
Important: Leave blank for any home equity loan. Also leave
blank 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 line item should contain a zero.
Locked Amount – Interest Only – LOC – Report the amount of
credit line that has been locked. (Interest Only)

118

Line
Item
No.

68
69

Line Item
Name

MDRM
(CCHE)

– LOC

Repayment
Plan Start
Date

M258

Actual
Payment
Amount

M259

Lockout
Feature Flag

M260

Credit Line
Closed Flag

M261

Detailed Description
For lines of credit, populate this line item 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 blank for any home equity loan. Also
leave blank 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 line item should contain a zero.
Repayment Plan Start Date – Report the date the 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.
Actual Payment Amount – Report the actual dollar amount of
the payment received in the reporting month.
Lockout Feature Flag – Report whether the line of credit that
has a lockout feature.

Report any line of credit that contains a “lock-out” 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 line item should be left blank
for home equity loans. For home equity lines of credit this line
item should only contain the values “Y’ or ‘N’.
Credit Line Closed Flag – Report any line of credit that is in its
draw period where the credit line has been closed, allowing no
further draws or increase in principal balance outstanding. The
status code should remain on the line until paid in full.
Important: Leave blank for home equity loans.
Note: A closed line is one where the borrower will never regain
use of the draw.

Allowed Values

Format, Line
Item Length

Rounding

YYYYMMDD

e.g, 125000 for
$125,000.00
Use Banker’s
Rounding
N = No
Y = Yes

Whole Number

N = No
Y = Yes

Character(1)

119

Line
Item
No.
71

Line Item
Name
Interest Rate
Reduced

MDRM
(CCHE)
M262

Term
modification

M263

Principal
Write-down

M229

Line Re-age

Report whether the interest rate has been reduced to be less
than the scheduled value through loss mitigation.

For example, if a fixed-rate loan with a rate of 6% is reduced to
2% as a result of loss mitigation, the BHC would report ‘Y’ for
this line item.

Detailed Description

This line item should only be populated for loans with a value
in Line item 77 (Modification Type).
Term modification – Report whether the loan has been through
a 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 line item should be “Y”;
otherwise, it should be “N.
Note: None of the records should be left blank.
Principal Write-down - Report all loans where an adjustment to
the unpaid principal balance has occurred.
If adjustment to the unpaid principal balance has occurred
through a modification, this line item should be “Y”; otherwise,
it should be “N.

M264

This line item should only be populated for loans with a value
in Line item 77 Modification Type indicating that a loan has
been modified.
Report whether the line of credit has been re-aged, but the
terms have not been formally modified. A re-age is defined as a
situation when an account's delinquency status is changed by
collections or customer service as part of a loss mitigation
effort.
This Line item should be “Y” for lines that have been re-aged

Allowed Values

Format, Line
Item Length

N = No
Y = Yes

Character(1)

N = No
Y = Yes

Character(1)

N = No
Y = Yes

Character(1)

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

Character(1)

120

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

but are not in active loss mitigation. This line item should be
“N” for lines of credit that have been modified but not re-aged.
If the line is not either modified or re-aged, or this is a loan this
value should be left blank.

Loan
Extension

Current
Combined

M265

M266

Note: The Line items 74 Line Re-age and 75 Loan Extension)
should be populated with a “Y” value if the line or loan has ever
been re-aged or extended. These line items 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.
Report whether the home equity loan has been extended, but
the terms have not been formally modified. This line item
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”. If the loan is neither modified nor extended, or this is a line
of credit, this value should be left blank. A re-age is defined as a
situation when an account's delinquency status is changed by
collections or customer service as part of a loss mitigation
effort.
If the original contract allows for the periodic re-underwriting
of an extension, then this renewal is part of the product
structure, and it would not constitute an extension under the
regulatory definition.
Note: The Line items (74 Line Re-age, 75 Loan Extension)
should be populated with a “Y” value if the line or loan has ever
been re-aged or extended. These line items 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.
Report the current combined LTV. The current combined LTV
includes the updated loan-to-value using the current

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

Character(1)

Provide as a
decimal. E.g.:

Numeric, to 2
decimals
121

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

LTV

Modification
Type

M215

Detailed Description
commitment of the HE loan or line. The bank may use an
updated 1st mortgage balance, if available (serviced in house),
but is not required to do so. 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.
Report the modification type. This line item 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.
Active loss mitigation refers to instances where the loan is
currently in loss mitigation, and the servicer is actively
pursuing loss mitigation.

Allowed Values

Format, Line
Item Length

0.51 for 51.1%
Please leave blank
if unavailable

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

Numeric

Proprietary Systematic Program – Report all other proprietary
systematic programs targeted at applicable segments of
mortgage borrowers. The “proprietary” nature of this line item
references the modification program and not the investor. Any
loan modified under a proprietary systematic program should
receive this code regardless of investor.
Proprietary Other – Report any modification type not covered
by the previous categories. As with the proprietary systematic
modifications, this line item is independent of the investor.
These definitions are consistent with definitions in analogous
OCC data collections.

Home Affordable Modification Program – Report any loans
modified under the Home Affordable Modification Program
Guidelines released March 4, 2009. Do not report the
transaction as a modified loan until successful completion of

122

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Last Modified
Date

M216

Refreshed
Property
Value

M209

Detailed Description
the stipulated trial plan.
Report the date of the most recent modification.

This line item should only be populated for loans with a value
in Line item 77 Modification Type, indicating that a loan has
been modified.
Refreshed property value – Report 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.)

Allowed Values

Format, Line
Item Length

YYYYMMDD

e.g. 125000 for
$125,000.00

Whole Number

0=Not Refreshed
1=Full Appraisal –
Prepared by a
licensed appraiser
2=Limited
appraisal-Drive-by
-Prepared by a

Character(1)

The refreshed LTV refers to the servicer periodically updating
the estimate of value to recalculate loan-to-value using the
current loan balance.
Do not report where the refreshed property value was not
obtained with the last year.

Refreshed
Property
Valuation
Method

M210

Line item 79 Refreshed Property Value, line item 80 Refreshed
Property Valuation Method, and line item 81 Refreshed
Property Valuation Date all refers 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.
Report the valuation method for any refreshed values in line
item 79. Identifies the method by which the value of the
property was determined.
• Full appraisal – Prepared by a certified appraiser

• Limited appraisal – Prepared by a certified appraiser

123

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

• Broker Price Opinion “BPO” – Prepared by a real estate
broker or agent
• Desktop Valuation – Prepared by bank employee
• Automated Valuation Model “AVM”

The Refreshed Property Value, Refreshed Property Valuation
Method, Property Method at Modification, and Most Recent
Property Valuation Date line items refer to the same refreshed
property valuation instance. If the property has been valued
subsequent to origination, then provide the most recent
property valuation date, the valuation method, and the
property value.
81
82

Refreshed
Property
Valuation
Date
Escrow
Amount
Current
(Retired
March 2013)
Loan Purpose
Coding

M267

Report the date of the most recent property valuation.

Allowed Values
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
YYYYMMDD

Format, Line
Item Length

YYYYMMDD

M268

M161

Report the purpose for the loan origination. If the loan has
multiple purposes, report the primary purpose.

Loan Purpose
Coding
1 = Purchase
4 = Rate / Term
Refinance
5 = Cash-Out
Refinance
6 = Other Refinance

Character(1)

124

Line
Item
No.

Line Item
Name

Remaining
Term

MDRM
(CCHE)

M198

Bankruptcy
Chapter

M195

Accrual
Status

M957

Foreclosure

M204

Detailed Description

Report the remaining term of the loan in months.

For HELOC it should be the combined draw period and the
repayment period.

Note: For the Remaining Term line items in the FR Y‐14M First
Lien and Home Equity schedules, a value of 0 should be
assigned if a loan is past maturity.
Bankruptcy Chapter - For all the loans with a Bankruptcy Flag,
report the Bankruptcy Chapter Type.

Note: If the Bankruptcy Flag line item (Line item 38) is coded
with a value of ‘N’, then the Bankruptcy Chapter line item
should be blank, i.e. null value. Do not populate this line item
with any other value.
Report the accrual status of the loan or line of credit as of the
reporting month.
Foreclosure Suspended – Report all loans where foreclosure

Allowed Values
7 = Home
Improvement
8 = Debt
Consolidation
9 = Education
A = Medical
R = Reverse
Mortgage, including
Home Equity
Conversion
Mortgage (HECM)
loans
Y = Other
U = Unknown
Whole Number

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

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

Format, Line
Item Length

Whole Number

Character(2)

Character(1)
Character(1)
125

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Suspended

Detailed Description
activities are being suspended due to loss mitigation or
bankruptcy proceedings.

Active loss mitigation refers to instances where the loan is
currently in loss mitigation, and the servicer is actively
pursuing loss mitigation.
Flag indicating an active foreclosure suspension.
88

Property
Valuation
Method at
Origination
(appraisal
method)

M940

Note: The code value for this line item should follow public
reporting (SEC 10-K, etc.) of this item.
Report the method used to determine the property value at
time of origination.
Full Appraisal – Prepared by a licensed appraiser

Limited Appraisal-Drive-by prepared by a licensed appraiser

Broker Price Opinion “BPO”-Prepared by a real estate broker or
agent

Desktop Valuation –Prepared by a bank employee or nonappraiser
89

Loss
Mitigation
Performance
Status

M226

Loss Mitigation Performance Status – Report whether a loan is
being actively handled by the servicer’s loss mitigation
department. Refers to all loans where the servicer has initiated
loss mitigation procedures whether or not a particular course
of action or workout type has been executed. Active loss
mitigation refers to instances where the loan is currently in loss
mitigation, and the servicer is actively pursuing loss mitigation.

Allowed Values
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.

1 = Full Appraisal
2 = Limited
appraisal
3 = Broker Price
Opinion “BPO”
4 = Desktop
Valuation –
5 = Automated
Valuation Model
“AVM”
6 = Unknown
7 = TAV – tax
assessed value
8 = Purchase Price
9 = Other
0 = No loss
mitigation action in
place.
1 = Active and
Performing
2 = Active and
Nonperforming
3 = Broken

Format, Line
Item Length

Character(1)

126

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

Applies to all loans regardless of workout type (Line item 61
Workout Type Completed/Executed)
The code values indicate:

Not in loss mitigation -If a loan is not in loss mitigation, then it
should be coded as “0”.
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 Line item 61 Workout
Type Completed/Executed, but borrower has missed at least
one payment under the terms of the agreement.

Other
Modification
Action Type

M958

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, remodified, or charged off.
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 line item should be “Y”; otherwise, it
should be “N.

N = No
Y = Yes

Character(1)

Report for all loans with a value in Line item 77 Modification
Type. Otherwise, leave blank.

Note:
The modification action type categories already captured are

127

Line
Item
No.

91
92

Line Item
Name

Reason for
Default
Third Party
Sale Flag

Loss/Write
down
Amount

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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 line item
should be “Y”; otherwise, it should be “N.
M941

M241

This item has been removed and should not be reported.
Report any third party sales at time of foreclosure sale.

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 line item 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 line item should be coded with a zero.
NOTE: This item is mandatory for firms with bank subsidiaries
regulated by the OCC and optional for all others.
Report 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.

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
e.g, 125000 for
$125,000.00

Character(1)

Whole Number

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), as defined in the FR Y-9C glossary
entry for “allowance for loan and lease losses”. 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

128

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

negative value.

If multiple write-downs occurred in a given month, report the
total amount of write-downs for that month.

Loss/Write
down Date

M947

Unpaid
Principal
Balance (Net)

M960

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 onbalance 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
HI – “Net gains (losses) on sales of other real estate owned”.
Report the 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. Specific dates
should be reported. However, if the BHC can only identify the
month, then the ‘DD’ portion should be reported as ‘01’ (e.g.
20120301 for March of 2012).
Report the current net unpaid balance at end of the reporting
month rounded to the nearest dollar.
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

YYYYMMDD

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

Whole Number

129

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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
left blank. This value should equal the book value on regulatory
filings.
Performance
of First Lien

Ever 90+
DPD in the
Past 12
months

M961

NOTE: PCI loans will not include ASC 310-30 marks for this
item.
Report whether the first lien is performing or not. This
includes first liens that are not held by the BHC.

Note: This line item is a required line item for “Portfolio” and
“Serviced By Others” loans, and best efforts line item for
“Serviced For Others”.
M950

A loan is considered non-performing if the loan is not current
(30 days or more past due by MBA method).
Report whether the loan/line has 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

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

Character(1)

N = No
Y = Yes
U=Unknown

Character(1)

“N” if not ever in 90 or more than 90 days past due in the past
12 months
98

Entity
Serviced

M945

“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.
Example: The ‘Entity Serviced’ should be segmented out by the

1 = FRB
2 = OCC
3 = FDIC

Character(1)

130

Line
Item
No.

Line Item
Name

Total Debt at
Time of any
Involuntary
Termination

MDRM
(CCHE)

M235

Detailed Description
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).
Report the total debt at the time of any involuntary
termination. Total debt should be reported at gross, not net
values, and is comprised of:
1) Unpaid Principal Balance;

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);

Allowed Values

Format, Line
Item Length

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

Whole Number

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

Whole Number

3) Total Corporate Advance (incl. Property Preservation and
Attorney’s fees);
4) Total Escrow Advance (taxes and insurance paid)

100

Net Recovery
Amount

M236

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. If a loan
goes through a foreclosure sale and comes into REO, report the
aggregate of the various stages of the process.
This line item is a required line item for portfolio loans and best
efforts for all others.
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.

131

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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 post-sale
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 line item 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 Line item ‘Sales Price of
Property’.

101

102

103

Sales Price of
Property

M948

Commercial
Loan Flag

M951

Probability of
Default – PD

M114

This line item is a required line item for portfolio loans and best
efforts for all others.
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.

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

Whole Number

Character(1)

This line item is reserved for certain CRE or commercial
business purpose loans secured by 1-4 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.
Report the Probability of Default (PD) for the account as
defined in the most recent capital framework. More specifically,

0 = No. This loan is
not a CRE or
commercial
business purpose
loan.
1 = Yes. This loan is
a CRE or
commercial
business purpose
loan.
A one in ten
probability of

Note: This line item is a required line item for portfolio loans
and best efforts for all others.
Report whether the loan is a commercial real estate (CRE) or
commercial business purpose loan or transaction.

Numeric, up to 5
decimals
132

Line
Item
No.

104

105

106

Line Item
Name

MDRM
(CCHE)

Detailed Description
report the PD associated with the account’s corresponding
segment.

Loss Given
Default – LGD

M115

Expected
Loss Given
Default –
ELGD

M116

Exposure at
Default – EAD

M117

Note: Applicable only to firms subject to the advanced
approaches rule. This item is required for BHC-owned loans
only.
Report the Loss Given Default (LGD) for the account as defined
in the most recent capital framework. More specifically, report
the LGD associated to the account’s corresponding segment.
Note: Applicable only to firms subject to the advanced
approaches rule. This item is required for BHC-owned loans
only.
Report the Expected Loss Given Default (ELGD) parameter for
the account as defined in the most recent capital framework.
More specifically, report the ELGD associated to the account’s
corresponding segment.

Note: Applicable only to firms subject to the advanced
approaches rule. This item is required for BHC-owned loans
only.
Report the dollar Exposure at Default (EAD) for the account as
defined in the most recent capital framework. More specifically,
report the EAD associated to the account’s corresponding
segment. In particular, for open-ended exposures assign to all
the accounts in a particular 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.
Note: Applicable only to firms subject to the advanced
approaches rule. This item is required for BHC-owned loans
only.
Abbreviations:

Allowed Values

Format, Line
Item Length

default should be
reported as 0.1.

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

133

Line
Item
No.

Line Item
Name

107

Entity Type

M952

108

HFI FVO/HFS
Flag

M953

109

Origination
Credit
Bureau Score
Vendor

R036

110

Origination
Credit
Bureau Score
Version

R037

111

Current
Credit
Bureau Score

MDRM
(CCHE)

R038

Detailed Description
LEQ: Loan-equivalent-exposure
CCF: Credit Conversion Factor
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.’

Portfolio HFI FVO / HFS – Report whether all portfolio loans
held for investment (HFI) measured at fair value under a fair
value option (FVO) or held for sale (HFS).
Note: For non-portfolio loans leave this line item blank.
List the vendor of the commercially available credit bureau
score reported in item 13. If the vendor of the commercially
available credit score reported in item 13 is not among those
listed, please select “Other” and report the vendor in item 110.
List the version of the credit score in item 110. Note that scores
which do not meet the definition of a commercially available
credit bureau score as set forth in the General Instructions may
be treated as missing data by the Federal Reserve.
Provide the version of the commercially available credit bureau
score reported in item 13 (for example, FICO 08 or
VantageScore 3.0). If “Other” was selected in item 109, please
report the vendor name along with the schedule version (in the
format “vendor name – score version”).
List the vendor of the commercially available credit bureau
score reported in item 14. If the vendor of the commercially
available credit score reported in item 14 is not among those

Allowed Values

Format, Line
Item Length

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

1=FICO
2=VantageScore
3=Other

Character(1)

Text String

Character(30)

1=FICO
2=VantageScore
3=Other

Character(1)

Y= Yes
N = No

Character(1)

134

Line
Item
No.

112

113

Line Item
Name

MDRM
(CCHE)

Vendor

Current
Credit
Bureau Score
Version
Current
Credit
Bureau Score
Date

R039

S382

Detailed Description
listed, please select “Other” and report the vendor in item 112.
List the version of the credit score in item 112. Note that scores
which do not meet the definition of a commercially available
credit bureau score as set forth in the General Instructions may
be treated as missing data by the Federal Reserve.
Provide the version of the commercially available credit bureau
score reported in item 14 (for example, FICO 08 or
VantageScore 3.0). If “Other” was selected in item 111, please
report the vendor name along with the schedule version (in the
format “vendor name – score version”).
Provide the date on which the commercially available credit
bureau score reported in item 14 was obtained.

Allowed Values

Format, Line
Item Length

Text String

Character(30)

YYYYMMDD

135

B.2 Portfolio Level Table
Line
Item
No.
1

Line Item
Name

MDRM
(CCHE)

Detailed Description

Portfolio
Segment ID

M240

Report the portfolio segment.

Unpaid
Principal
Balance

M201

Unpaid Principal Balance – Report 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

Loss / Writedown Amount

M241

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 leases losses (ALLL), as defined in the FR Y-9C
glossary entry for “allowance for loan and lease losses”. Also
include all reversals of accrued but not collected interest, not
directly changed against the ALLL.

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

Report in millions
of dollars.
Cumulative lifetime
loss or principal
write-down on
loans in the
portfolio segment
for all active loans
in that segment.

Format, Line
Item Length
Character(1)

Whole Number

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

136

Schedule C: Address Matching Loan Level Data Collection
Data Format
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 FR 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.
Starting with the March 2013 data submission, these schedules have been expanded to include REO loans, and
such loans will also be included in the Address Matching data collection.
Additional Formatting:
• Options for all line items are comprehensive identifying a valid value for all loans regardless
of status. If a value is Unknown or Unavailable, the line item should be left blank - 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

In the case of the Address Matching Schedule, BHCs should provide the data each month in a single bar‐
delimited text file. This is also referred to as a pipe‐delimited text file. Line items 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

137

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.

138

C.1 Data Table
Line
Item
No.
1

Line Item Name
Loan Number

MDRM
(CCAM)
M142

Detailed Description
Report 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).

Provide the same loan number identifier that is
provided in the FR Y‐14M First Lien and Home Equity
schedule submissions. The loan number identifier
should be consistent across the Address Match, First
Lien, and Home Equity schedules.

Property
Street
Address

9028

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. 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.
Report the street address associated with the property.
Must include street direction prefixes, direction
suffixes, and Unit Number for condos and co-ops.

Allowed Values

Format, Line
Item Length

A contributordefined
alpha-numeric value
up to
32 characters.

Character(32)

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

Text(100)

139

Line
Item
No.
3

Line Item Name

MDRM
(CCAM)

Property City

9130

Property State

9200

Property ZIP
Code

9220

Detailed Description
Report the city in which the property is located.
Contributors should be careful to provide the property
city (not the mailing city of the borrower).
Report the state in which the property is located.
Contributors should be careful to provide the property
state (not the mailing state of the borrower), as the two
may differ for non-owner occupied properties and
second/vacation homes.
Report the 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
code).
Note: Provide the zip code as 9 digits when available.

Mailing Street
Address

9110

Report the borrower’s mailing street address. May be the
same as the
Property Street Address. Must include street
prefixes, suffixes, and unit number for condos and
co-ops.

Mailing City

F206

Report the borrower’s mailing city. May be the same as
the Property City.
Report the borrower’s mailing state. May be the same as
the Property State.

Mailing State

F207

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

Allowed Values

Format, Line
Item Length

Text line item

Text(50)

Two-letter postal
codes for the state.

Character(2)

Five-digit or ninedigit number.
Include leading
zeroes WITH
NO DASHES,
e.g.: 00901,
101015271
Text line item.
Include street
prefixes, suffixes,
and unit number,
e.g.: 123 E Main St
Apt 123, 123
Highway 79 South
Unit 567
Text line item.

Character(9)

Two-letter postal
codes for the state.

Text(100)

Text(50)

Character(2)

140

Line
Item
No.
9

Line Item Name
Mailing ZIP
Code

Liquidation
Status

MDRM
(CCAM)
F208

M252

Detailed Description
Report the nine-digit ZIP code of the mailing address or
five-digit ZIP code if nine-digit is not available. This may
be the same as the Property ZIP Code.

If the Mailing zip code is an international address, and
greater than 9 characters, leave the foreign mailing zip
code blank.
Liquidation Status – Report 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 month-end 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.

Allowed Values

Format, Line
Item Length

Five-digit or ninedigit number.
Include leading
zeroes WITH
NO DASHES,
e.g.: 00901,
101015271
0 =Not paid-in-full
1 = Voluntary
Payoff/Refinance
(includes
Property Sale)
2 = Involuntary
liquidation
3 = Servicing
transfer

Character(9)

Character(1)

• Involuntary Liquidation – Code all instances where the
loan has been liquidated either through foreclosure
proceedings or another settlement option resulting in
incomplete repayment of principal. Include short-sales,
charge-offs, as well as REO liquidations.

Lien
Position at
Origination

M158

• Servicing Transfer – Code all instances where the
servicing of the loan has been transferred or sold to
another institution during the reporting month.
Report the lien position at origination (1st, 2nd, 3rd, etc.).

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

Character(1)

141

Line
Item
No.
12

Line Item Name
Census Tract

MDRM
(CCAM)
M275

Detailed Description
Report the 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 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.
Use the 2010 Census Tract definitions, but more upto-date Census Tract information can be used if it is
available. For additional details refer to the Census
Bureau website.

Data File Reference

M946

Indicates if the loan is included in Y-14M First Lien
Closed-end data or Y-14M Home Equity Loan and Home
Equity Line data file submission for that month.

Allowed Values

Format, Line
Item Length

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

Character(10)

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

Character (1)

142

FR Y-14M

Schedule D: Domestic Credit Card Data Collection Data Dictionary
Loan Population

•

•
•
•

•
•
•
•
•

Loans should be reported based on their classification on the FR Y-9C, Schedule HC-C (i.e. based on the
loans security, counterparty, or purpose). Refer to the FR Y-9C instructions for Schedule HC-C for
guidance on loan classification. Below is a list of FR Y-9C items that are considered applicable loans for
this schedule:

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 cards if applicable. This includes loans
reported on the FR Y-9C, Schedule HC-C, item 6.a, and domestic general purpose cards reported in
other FR Y-9C lines.
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 the FR Y-9C,
Schedule HC-C, item 6.a, and domestic private label cards reported in other FR Y-9C lines.
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 the FR Y-9C, Schedule HC-C, item 4.a, and domestic business cards reported in
other FR Y-9C lines.
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 the FR Y-9C, Schedule HC-C, item
4.a, and domestic corporate cards reported in other FR Y-9C lines.
e. Other: Other cards accounts to consumers, small business, or corporations reported in the FR Y-9C
in line items not represented above. Please do not include home equity lines of credit or other
revolving consumer loans other than credit cards.
Do not report data from international cards but include domestic cards, as defined by the FR Y-9C glossary
entry for “domestic offices”.
For all variables reported please report as blank if information is missing or unknown. Also, if a line item
does not apply to the loan, the line item should be left blank.
Account and loan-level files should sum up to the portfolio level. An amount, zero or null (be left blank)
should be entered for all items, except in those cases where other options such as “not available” or “other”
are specified. If information is not available or not applicable and no such options are offered, the line item
should be left blank. If the totals from the loan level are not equal to the totals from the portfolio level, BHCs
should provide explanations.
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.
In the case of closed or charged-off accounts, account information should be reported up to twelve
months after the account's closure or charge off. There is a separate flag for charge‐off that can be
used to identify such accounts.
All accounts managed (including accounts tagged as securitized) should be reported as managed accounts.
All accounts owned but not tagged as securitized should be reported as booked accounts.

143

FR Y-14M

•
•

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

144

FR Y-14M

D.1 Loan Level Table
Line
Item
No.

MDRM
(CCRS)

Line Item
Name

Technical Line
Item Name

Reference
Number

ReferenceNumber

M046

Customer
ID

CustomerId

M047

3
4

Bank ID
Period ID

BankId
PeriodId

9001
9999

Description

Report 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 line item.
Report 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.
Customer ID does not need to be
consistent across all FR Y-14M schedules.
Report the RSSD ID of the BHC.
Report 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.

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C:
Character
C18

Mandatory

C18

S
D

Mandatory
Mandatory

N10
Date
YYYYMMDD
145

FR Y-14M

Line
Item
No.
5

Line Item
Name

Technical Line
Item Name

State

AccountState

Zip Code

Credit
Card Type

AccountZipCode

CreditCardType

MDRM
(CCRS)
M048

M049

M050

Description

Report the state the cardholder currently
reports as their billing address. If account
originated in the US and the card member
has subsequently moved to a foreign
country, report as NU. If there are multiple
cardholders for one account, report the
state of the primary borrower.
a. State postal code or
b. Report as NU or
c. Report as AP - if Army Post Office
address.
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. If
there are multiple cardholders for one
account, report the zip code of the primary
borrower.

Data Format should include leading zeroes
WITH NO DASHES, e.g.: 00901 and
101015271.
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, cobrand cards in this category, and student
card if applicable.
2 = Private Label - also known as

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C:
Character
C2

Mandatory

146

FR Y-14M

Line
Item
No.

Line Item
Name

Product
Type

Technical Line
Item Name

ProductType

MDRM
(CCRS)

M051

Description

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 subaccount level).
4 = Corporate Card -Employer-sponsored
credit cards for use by a company's
employees. Report cards for which the
employees are financially responsible for
repayment of the balance. If the
employers are ultimately responsible for
repayment of the balances, then report
under the FR Y-14Q 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 for which employees are financially
responsible for repayment of balances.
Report each account in one of the following
product types:
1 = Co-brand (typically related to
products and services, including retail

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

147

FR Y-14M

Line
Item
No.

Line Item
Name

Lending
Type

Technical Line
Item Name

LendingType

MDRM
(CCRS)

M052

Description

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 label cards).
Report each account in one of the following
categories.
1 = Consumer Bank Card - Regular
general purpose credit cards that can be
used at a wide variety of merchants,
including any who accept MasterCard,
Visa, American Express or Discover
credit cards. Include affinity and cobrand cards in this category, and student
cards if applicable. This product type
also includes private label or propriety
credit cards, which are tied to the
retailer issuing the card and can only be
used in that retailer’s stores. Include oil
& gas cards in this loan type, and student
cards if applicable.
2 = Consumer Charge Card - Consumer
credit cards for which the balance is

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

148

FR Y-14M

Line
Item
No.

Line Item
Name

Revolve
Feature

Technical Line
Item Name

RevolveFlag

Network
ID

NetworkId

Secured

CreditCardSecured

MDRM
(CCRS)

M053

M
05
4

M055

Description

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.
Report 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.
1 = Yes
0 = No
Report each account in one of the
following categories:

1 = Visa
2 = MasterCard
3 = American Express
4 = Discover
5 = Other
Report whether the card is included in a

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

149

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

Credit
Type

F
lag

Loan
Source/Ch
annel

LoanChannel

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

program where any portion of the line is
secured by collateral.

M056

1 = Yes
0 = No
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.

150

FR Y-14M

Line
Item
No.
14

Line Item
Name

Technical Line
Item Name

SOP-03-03
flag

SOP0303Flag

MDRM
(CCRS)

M234

Cycle
Ending
Balance

CycleEndingBalan
ce

M058

Cycle
Ending
Balance
Flag

CycleEndingBalan
ce
Flag

M059

Accounts
Under
Promotion

PromotionFlag

M060

Description

6 = Loan source unknown.
Report whether the loan is accounted for
under SOP 03-03 accounting. SOP 03‐3
accounting is now referenced in GAAP as
ASC 310‐30 accounting, as defined in the
FR Y-9C, Schedule HC-C, item M.5. 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.

1 = Yes
0 = No
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 monthend reporting date.
Report any loans where
CycleEndingBalance reports the total
outstanding balance for the account at the
end of the current month's cycle.
1 = Yes
0 = No
Report accounts under promotion (i.e.
subject to promotional pricing) in the
current month’s cycle. This may include
purchase or any other type of teasers as

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

N1
151

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

N12.2

Mandatory

N12.2

Mandatory

N12.2

well as all forms of private label
promotional pricing. A lower rate due to
debt management would not be reported in
this line item if the lower rate is permanent.
18

Cycle
Ending
Balan
ces
Mix Prom
otiona
l

CycleEndingBalan
ce
Promotional

Cycle
Ending
Balan
ces
Mix Cash

CycleEndingBalan
ce
Cash

M062

CycleEndingBalan
ce
Penalty

M063

Cycle
Ending

CycleEndingBalan
ce

M064

Cycle
Ending
Balan
ces
Mix Penalt
y

M061

1 = Yes
0 = No
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.
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.
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.
Report all other balances outstanding at the
end of the current month's cycle ending

152

FR Y-14M

Line
Item
No.

22
23

Line Item
Name

Technical Line
Item Name

Balan
ces
Mix Other

Other

Average
Daily
Balance
(ADB)
Total
Reward
Cash

AverageDailyBala
nc
e

TotalRewardCash

MDRM
(CCRS)

M065
M066

Description

date not included in line item 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 line item.
Report the average daily balance in the
reporting month or cycle.
For accounts that offer cash, miles or other
Rewards, report the total equivalent dollar
amount of cash rewards accumulated as of
the reporting month.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

N12.2

If the institution does not have access to
reward information owned by a partner,
the institution is not required to report
that information.

Institutions should report the cumulative
reward available to the customer as of the
reporting month.

The institution should report Net Cash
Reward. For purposes of this report, Net
Cash Award = Cumulative earned cash (or
cash equivalent) ‐ redeemed/forfeited
cash (or cash equivalent)
For Cards that do not offer rewards,
institutions should report “0”. For cards
that offer rewards but the net
accumulative balance for the month is
negative, institutions should report the

153

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Date
YYYYMMDD

Mandatory

Date
YYYYMMDD

Mandatory

Date
YYYYMMDD

Mandatory

negative values as‐is.

25
26

Reward
Type

RewardType

Account
Cycle
Date

AccountCycleEndD
a
te

Account
Originatio
n Date

M067

M068

AccountOriginatio
n
Date

M069

Acquisitio
n Date

AcqDate

M070

Multiple
Banking
Relationsh

MultipleBankingR
el
ationshipFlag

M071

Do not include merchant loyalty points If a
merchant houses the loyalty points on its
own system and they are not available to
institution.
Report reward type in one of the following
categories.

1 = Cash
2 = Miles
3 = None
4 = Other
Report the date in which transactions were
accumulated for billing in the reporting
month. Leave blank if the account does not
have a statement date in the current
reporting month.
Report the date on which the original credit
card was issued. If unknown due to
acquisition or merger, leave blank.
In cases where an account was closed (for
example, card loss or theft) and reopened,
report the original account origination date
and not subsequent issuance date(s).
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.
Report accounts that currently have
other non- credit card banking

154

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

ips

31
32

Multiple
Credit
Card
Relationsh
ips
Joint
Account

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12

relationships with the bank.

MultipleCardRelati
o
nshipFlag

M072

JointAccount

M073

Authorize
d Users
Flagged as
Securitize
d

AuthorizedUsers

Borrower'
s

BorrowerIncome

SecuritizedFlag

M074
M075

M076

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

1 = Yes
0 = No
Report the borrower’s total annual income
obtained at the account's origination

Mandatory

155

FR Y-14M

Line
Item
No.

35
36

37
38

Line Item
Name
Income at
Originatio
n
Income
Source at
Originatio
n

Technical Line
Item Name

BorrowerIncomeT
y
pe

MDRM
(CCRS)

M077

Updated
Borrower'
s
Income
Updated
Income
Source

UpdatedBorrower
In
come
UpdatedBorrower
In
comeType

M079

Date
Refreshed
Income
Obtained
Originati
on
Credit
Bureau
Score
for the

DateUpdatedBorro
werIncome

M080

OriginalCreditScor
ePri
maryBorrower

M078

M081

Description

(annualized if monthly income was
provided).

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

1 = Individual
2 = Household
3 = Other
Report the amount of total income if new
income information was obtained
subsequent to the initial application or
acquisition.
Report whether the updated income
information was for the primary cardholder
only or for joint or household members
also.
1 = Individual
2 = Household
3 = Other
Report the date the new income
information was received.

Report the credit score value of the primary
account holder at origination using a
commercially available credit bureau score
(for a definition of a commercially available
credit bureau score, see general instructions,
section H). Report the credit score name in

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Optional

N12

Optional

Date
YYYYMMDD

Mandatory

156

FR Y-14M

Line
Item
No.

Line Item
Name
primary
account
holder

Technical Line
Item Name

MDRM
(CCRS)

Description

item 109 and list the credit score version in
item 116.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

If, and only if, a commercially available credit
bureau score was not obtained during the
origination process, map the internal credit
score used to evaluate the primary account
holder’s creditworthiness at origination to a
commercially available credit bureau score.
Report that mapped score here and provide a
separate document describing the mapping
methodology. Report the name of the credit
score to which the internal credit score was
mapped in item 109 and list the credit score
version in item 116. Indicate that an internal
score is being mapped to the specified
commercially available credit score in item
118 and report the value assigned by the
internal credit score in item 119. Note that
scores which do not meet the definition of a
commercially available credit bureau score as
set forth in section H of the general
instructions, including internal scores which
are not mapped to such scores, may be
treated as missing data by the Federal
Reserve.
For Small Business Cards, provide the score
for the proprietor or primary business owner.
For Corporate Cards, provide the score for
the primary cardholder if available. If the
original Industry standard score is not
157

FR Y-14M

Line
Item
No.
39

MDRM
(CCRS)

Line Item
Name

Technical Line
Item Name

Originati
on Credit
Bureau
Score for
the coborrowe
r (if any)
Refreshed
Credit
Bureau
Score

OriginalCreditScor
eCo
borrower

M082

RefreshedCreditSc
ore
PrimaryBorrower

M083

Description

available, leave this line item blank.
Report the credit score of the co-borrower at
origination using an industry standard credit
bureau credit score (e.g. FICO, VantageScore,
or another similar credit score), defined like
“Origination Credit Bureau Score for the
primary account holder” (see line item 38).
Report the most recently updated credit
score available for the primary account
holder using a commercially available credit
bureau score (for a definition of a
commercially available credit bureau score,
see general instructions, section H). . Report
the credit score name in item 110 and list the
credit score version in item 117. Report the
date on which the credit score was refreshed
in item 41.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

If, and only if, an updated commercial credit
bureau score is not available or is not
currently being used by the institution to
evaluate the primary account holder’s
creditworthiness, map the most current
internal credit score used to evaluate the
primary account holder’s creditworthiness to
a commercially available credit bureau score.
Report that mapped score here and provide a
separate document describing the mapping
methodology. Report the name of the credit
score to which the internal credit score was
mapped in item 110 and list the credit score
158

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Date
YYYYMMDD

Optional

N10.6

Mandatory

N12.2

version in item 117. Indicate that an internal
score is being mapped to the specified
commercially available credit score in item
120 and report the value assigned by the
internal credit score in item 121. Report the
date on which the internal credit score was
refreshed in item 41. Note that scores which
do not meet the definition of a commercially
available credit bureau score as set forth in
section H of the general instructions,
including internal scores which are not
mapped to such scores, may be treated as
missing data by the Federal Reserve.

41
42
43

Credit
Bureau
Score
Refresh
Date
Behavioral
Score

CreditScoreRefres
hDa
te

M084

BehavioralScore

M085

Original
Credit
Limit

OriginalCreditLimi
t

M086

For Small Business Cards, provide the score
for the proprietor or primary business owner.
For Corporate Cards, provide the score for
the primary cardholder if available. If the
original Industry standard score is not
available, leave this line item blank.
Report the date on which the
commercially available credit score, or the
internal score being mapped to a
commercially available credit score,
reported in item 40 was last refreshed.
Report the current internal behavior score
available for the account in the reporting
month. If no score is available, leave blank.
Report the behavior score name and
version in line item 111.
Report the amount of the credit line set by
the card issuer at origination. If no credit
limit, report the purchase or shadow limit.

159

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

If credit limit is not available, then leave
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.

Current
Credit
limit

CurrentCreditLimi
t

M087

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.
Report the maximum dollar amount that
may be borrowed on the account during the
reporting month. Report at the reporting
month's end. If no credit limit, report the
purchase or shadow limit. Report the type
of credit limit in line item 112. If unknown,
leave 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.

160

FR Y-14M

Line
Item
No.

45
46

Line Item
Name

Current
Cash
Advance
Limit
Line
Frozen in
the
current
month

Technical Line
Item Name

CurrentCashAdvan
c
eLimit
LineFrozenFlag

Line
Increase
or
Decrease
in the
current
month

LineIncreaseDecre
a
seFlag

Minimum
Payment
Due

MinimumPayment
D
ue

MDRM
(CCRS)

M088
M089

M090

M091

Description

For Corporate accounts, report the limit
at the account level and not the
relationship credit limit.
Report the maximum cash advance amount
available to the borrower. Report at the
reporting month’s end.
Report whether the account's credit line is
involuntarily frozen and authorizations are
prohibited on the account in the current
reporting month.
1 = Yes
0 = No
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 line
item 113.

2 = Increase
1 = Decrease
0 = No change
Report the current minimum dollar amount
due that will make the account roll into the
first delinquency bucket if not paid. For this
item, the first delinquency bucket is
defined as 1-29 days past due, with the
general definition of past due taken from
the FR Y-9C General Instructions for
schedule HC-N. Use the most recent cycle
date of the current reporting month. This is
generally referred to as minimum payment

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

N12.2

161

FR Y-14M

Line
Item
No.

MDRM
(CCRS)

Line Item
Name

Technical Line
Item Name

Total
Payment
Due

TotalPaymentDue

M092

Next
Payment
Due Date

NextPaymentDue
D
ate

M093

ActualPaymentA
mo unt

M094

Total Past
Due

TotalPastDue

M095

Actual
Payment
Amount

Days Past
Due

DaysPastDue

M096

Account

Account60PlusDP

M097

Description

due on cardholder's statement.
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.
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.
Report the dollar amount of all payments
received during the current month’s
cycle. Aggregate multiple payments.
Report net of checks returned for nonsufficient 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.
Report the dollar amount of past due
required payments at the end of the current
month’s cycle.
Institutions should report the dollar
amount of total required minimum
payments past due at the end of the current
month’s cycle.
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.
Report whether an account was ever 60+

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

Date
YYYYMMDD

Mandatory

N12.2

Mandatory

N12.2

162

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

60 Plus
DPD Last
Three
Years Flag
Interest
Type in
current
month

DL
astThreeYearsFlag
InterestType

MDRM
(CCRS)

M098

APR at
Cycle End

CycleEndingRetail
A
PR

M099

FeeType

FeeTypeFlag

M100

Month-

MonthEndActiveFl

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N6.3

Mandatory

Days Past Due in the last 3 years.

Description

M101

1 = Yes
0 = No
Report whether the purchase (not
promotional) APR is fixed or variable rate.
If the account is in temporary workout
program, report pre-workout terms. If the
account is in permanent workout program,
report the workout terms.

1 = Fixed - accounts where the
purchase (not promotional) APR is
fixed.
2 = Variable - loans where the purchase
APR rate fluctuates based on a spread to an
index. Report accounts as variable even if
there is a temporary initial fixed period.
Include as variable even if the APR is at its
floor or cap.
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.
Report whether monthly or annual fee is
assessed for the privilege of holding the
credit card.
0 = No fee
1 = Annual
2 = Monthly
3 = Other
Report whether the account has had any

163

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

end
Account
Status Active

a
g

Monthend
Account
Status Closed

MonthEndClosedR
e
vokedFlag

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

debit, credit, or balance activity in the last
twelve months at month end.

M102

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.
Report whether, 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. Report cases of
bankruptcy as either a 1 or 2, whichever
is appropriate. Report cases where
company representatives request the
closure of an employee credit card (a
corporate card under consideration) as
1.
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.

164

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Date
YYYYMMDD

Mandatory

3 = Yes, closed, borrower deceased.
4 = Yes, closed due to charge off.

60
61

Collection
Re-age
Date

Charge-off
Reason

Gross
Charge-off
Amount –
Current

CollectionReageDa
t
e

M103

ChargeOffReasonC
o
de

M104

GrossChargeOffIn
C
urrentMonthAm
ou nt

M105

Charged off loans or closed loans are
required to be included up to twelve
months after they are closed or charged
off.
Report the date of the last account re-age
performed by the collections department,
or in relation to any performance-related
delinquency.
Report the reason for charge-off and loss
recognition on an account in the current
month. This line item should be left blank
for accounts that have not been charged off.

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.
5=Charge-off Reason Unknown - any other
charge- off, reason unknown.
6 = Fraud – losses as a result of fraud,
whether by account holder or a third party.
Report the total amount of gross chargeoffs on the account during the reporting
month, including charge-offs related to
principal, interest and fees. Record all

N12.2
165

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Month

64
65

Recovery
Amount
– Current
Month

Purchase
Amount
Cash
Advance

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

N12.2

charges against Allowance for Loan and
Lease Losses the as defined in the FR Y-9C
Glossary entry for “allowance for loan and
lease losses”.
RecoveryAmount

M106

Value will only be populated in the month
charged-off.
Report the dollar amount of any balance
recovery from a previously charged-off
account collected during the month.

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.
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.

PurchaseVolume

CashAdvanceVolu
m

M107
M108

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

Mandatory

N12.2

166

FR Y-14M

Line
Item
No.
66
67
68

Line Item
Name

Technical Line
Item Name

Amount
Balance
Transfer
Amount
Convenien
ce
Check
amount
Account
Sold Flag

e
BalanceTransferV
ol
ume
ConvenienceCheck
Amount

Bankruptc
y Flag

Loss
sharing
Probability
of Default PD

AccountSoldFlag

BankruptcyFlag

MDRM
(CCRS)

M109
M110
M111

M112

LossShare

M11
3

Basel2PD

M114

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

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

Mandatory

N12.2

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

Report the convenience check dollar
volume during the current month’s cycle.

1 = Yes
0 = No
Report whether a 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
Report accounts that are part of a loss
sharing agreement, as defined in the
FR Y-9C, Schedule HC-M, item 6.
1 = Yes
0 = No
Report the Probability of Default for the
account as defined in the most recent
capital framework. More specifically, report
the PD associated with the account’s
corresponding segment. Example, a one in
ten probability of default should be

Mandatory

N12.2

Mandatory

Optional

N6.5

167

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Loss Given
Default LGD

Basel2LGD

M115

Expected
Loss Given
Default ELGD

Basel2ELGD

M116

Exposure
at Default
- EAD

Basel2EAD

M117

Description

reported as 0.1. This item is mandatory for
firms subject to the advanced approaches
rule.
Report the Loss Given Default for the
account as defined in the most recent
capital framework. More specifically, report
the LGD associated with the account’s
corresponding segment. Example, a ninety
percent loss given default should be
reported as 0.9. This item is mandatory for
firms subject to the advanced approaches
rule.
Report the Expected Loss Given Default
parameter for the account as defined in the
most recent capital framework. More
specifically, report the ELGD associated
with the account’s corresponding segment.
For example, a ninety percent expected loss
given default should be reported as 0.9.
This item is mandatory for firms subject to
the advanced approaches rule.
Report the Exposure at Default for the
account as defined in the most recent
capital framework. More specifically, report
the EAD associated with the account’s
corresponding segment. In particular, for
open-ended exposures assign to all the
accounts in a particular 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. This item is mandatory for firms
subject to the advanced approaches rule.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Optional

N6.5

Optional

N6.5

Optional

N12.2

168

FR Y-14M

Line
Item
No.

MDRM
(CCRS)

Line Item
Name

Technical Line
Item Name

EAD id
segment

Basel2EADid

M118

Corporate
ID

CorporateID

N031

Variable
Rate
Index

InterestRateIndex

N032

Variable
Rate
Margin
Maximum

InterestRateMargi
n

6271

MaxAPR

N033

Description

Report the unique EAD segment Id
identifier- A unique number identifying
the EAD segment where the loan record
resides in the current month. This item is
mandatory for firms subject to the
advanced approaches rule.
For corporate cards, report 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, leave 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,
leave blank.
Report the maximum APR (rate cap

Static or
Dynamic

Mandatory
or Optional

Optional

Format
N: Numeric
C:
Character
N7

Mandatory

C18

Mandatory

N6.3

Mandatory

N6.3

169

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

APR
80

Rate Reset
Freque
ncy

RateResetFreq

N034

Promotion
al APR

PromotionalAPR

N035

Cash APR

CashAPR

N036

Loss Share
ID

LossShareId

N037

Description

applying to purchase APR and cash APR)
allowed for the account during the
reporting month.

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 Line 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 Line item 19 Cycle Ending
Balances Mix - Cash.
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N6.3

Mandatory

N6.3

Mandatory

170

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N7.5

Mandatory

N12.2

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.

Loss Share
Rate

LossShareRate

N038

Leave blank if the account is not
associated with a loss sharing agreement.
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.
0 = Report the number zero if the
account is not associated with a loss
sharing agreement.

Other
Credits

OtherCredits

N039

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.
Report the dollar amount of all credits
(other than cardholder payments)

171

FR Y-14M

Line
Item
No.

86
87
88

89
90
91

Line Item
Name

Cycles
Past Due
at
Cycle
Date
Cycles
Past Due
at
MonthEnd
Finance
Charge
(Effective
for
submissio
n of
June 2013
data)
Fees
Incurred Late
Fees
Incurred Over
Limit
Fees
Incurred NSF

Technical Line
Item Name

MDRM
(CCRS)

Description

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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

AccountCycleEndD
e
linquency

N129

AccountMonthEnd
Delinquency

N130

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

Mandatory

FinanceCharge

N131

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.

Mandatory

N12.2

FeeNetLateAmoun
t

N132

Report the net late fees assessed for late or
nonpayment. Report fees posted during
current month's cycle.
Report the over limit fees assessed for an
account exceeding its credit limit. Report
fees posted during current month's cycle.

Mandatory

N12.2

Mandatory

N12.2

FeeNetOverLimitA
mount
FeeNetNSFAmoun
t

N133

N134

Report the non-sufficient funds fees (NSF)
assessed against an account when payment
is returned unpaid because of non-

Mandatory

N12.2

172

FR Y-14M

Line
Item
No.

92
93
94

96
97

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Fees
Incurred Cash
Advanc
e
Fees
Incurred –
Monthly
/Annual
Fees
Incurre
d - Debt
Suspens
ion

FeeNetCashAdvan
c
eAmount

N135

FeeNetMonthlyAn
n
ualAmount

N136

FeeNetDebtSuspe
ns ionAmount

N137

Fees
Incurred Balance
Transfer

FeeNetBalanceTra
n
sferAmount

N13
8

Fees
Incurred Other

N139

Debt
Suspensi
on/Cance
llation
Program
Enrollme
nt
Debt

FeeNetOtherAmou
nt

DebtWaiverProgra
mEnrolFlag

N140

DebtWaiverProgra

N141

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

N12.2

Mandatory

N12.2

Report the balance transfer fees
assessed for balances transferred
from another institution to this
cardholder's account. Report fees
posted during current month's cycle.
Report all other fees not included
elsewhere in this report. Examples include
convenience check fees and foreign
currency fees.
Report whether the account is enrolled in a
debt waiver/cancellation program,
including payment protection plans.
1 = Yes
0 = No

Mandatory

N12.2

Mandatory

N12.2

Mandatory

Report whether the borrower is receiving

Mandatory

sufficient funds. Report fees posted during
current month's cycle.
Report the cash advance fees assessed for
cash advances made on the credit card.
Report fees posted during current month's
cycle.
Report the monthly/annual fees assessed
for the privilege of holding the credit card.
Report fees posted during current month's
cycle.
Report the debt suspension/cancellation
fees assessed to protect consumer in the
event of a significant life event like the
loss of a job. Report fees posted during
current month's cycle.

173

FR Y-14M

Line
Item
No.

100

Line Item
Name

Technical Line
Item Name

Suspensi
on/Cance
llation
Program
Active

mActiveFlag

Cycle-end
Account
Status Active

CycleEndActiveFla
g

Cycle-end
Account
Status Closed

CycleEndClosedRe
v
okedFlag

MDRM
(CCRS)

N142

N143

Description

benefits under a debt
suspension/cancellation program, including
payment protection plans.
1 – Yes
0 – No
Report whether 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, leave blank.

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.
Report whether, 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.
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

174

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

101

Skip-apayment

SkipaPaymentFlag

N144

102

Credit
Card
Workout
Program

WorkoutProgramF
l
ag

N145

103

Workout
Program
Type

WorkoutProgram
Ty
pe

N146

Description

borrower.
3 = Yes, closed, borrower deceased.
4 = Yes, closed due to charge off.
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.
For accounts in a workout program at
month-end, report 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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

175

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

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
104

Workout
Program
Perfo
rman
ce
Statu
s

WorkOutProgram
P
erformanceStatus

N147

Leave blank if the BHC does not offer
workout option.
Report 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.
Leave blank if the BHC does not offer

176

FR Y-14M

MDRM
(CCRS)

Line
Item
No.

Line Item
Name

Technical Line
Item Name

105

Settlement
Portion
Forgive
n

SettlementPortion
F
orgivenAmount

N148

106

Customer
Service
Re-age
Date

CustomerServiceR
e
ageDate

N149

107

Principal
Chargeoff
Amoun
t–
Current
Month

PrincipalChargeOff
I
nCurrentMonthA
m ount

N150

108

Fraud in

FraudFlag

N151

Description

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. Leave blank if the
BHC does not offer workout options or the
‘Settlement’ option has not been selected.
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 non- performance
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 (i.e. due to
NSF insufficient funds) or moving a
delinquent account to current.
Report the total amount of any principal
write-downs (or principal reversals) on the
account during the reporting month.
Record all charges against the Allowance
for Loan and Lease Losses (ALLL), as
defined in the FR Y-9C glossary entry for
“allowance for loan and lease losses”. Do
not report write-downs related to fees,
finance charges and other non-principal
write-downs that are included in Gross
Charge-off Amount – CurrentMonth.
Value will only be populated in month
charged-off.
Report whether the account is currently

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

Date
YYYYMMDD

Mandatory

N12.2

Mandatory

177

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

the
current
month

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

frozen due to potential fraud or has been
closed for cause at the conclusion of a fraud
investigation. month.

109

Original
Credit
Bureau
Score
Name

OriginalCreditScor
e
Name

N152

110

Refreshed
Credit
Bureau
Score
Name

RefreshedCreditSc
o
reName

N153

1 - Yes
2 – No
List the name of the commercially available
credit score provided, or mapped to, in item
38. If the name of the commercially available
credit bureau score reported, or mapped to,
in item 38 is not among those listed, please
select “Other” and report the name in item
116. List the version of the credit score in
item 116. If, and only if, a commercially
available credit score was not provided in
item 38 and the internal score provided was
not mapped to a commercially available
credit score, please select “None”.
1.
FICO
2.
VantageScore
3.
Other
4.
None
List the name of the commercially available
credit score provided or mapped to in item
40. If the name of the commercially
available credit bureau score reported or
mapped to in item 40 is not among those
listed, please select “Other” and report the
name in item 117. List the version of the
credit score in item 117. . If, and only if, a
commercially available credit score was not
provided in item 40 and the internal score
provided was not mapped to a
commercially available credit score, please

178

FR Y-14M

Line
Item
No.

111
112

Line Item
Name

Behavioral
Score
Name/
Version
Credit
Limit Type

Technical Line
Item Name

BehavioralScoreN
a
meVersion
CreditLimitType

MDRM
(CCRS)

N154
N155

Description

select “None”.
1 - FICO
2 - VantageScore
3 - Other

4 - None
Report the name and version of the
behavior score reported in line item 42.
Report the type of credit limit reported
in line item 44 when there is no credit
limit.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Optional

C30

Mandatory

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 line item 44
(Current Credit Limit) is not a shadow or
purchase limit, leave the line item blank.

For Corporate accounts, report the limit
type at the account level and not the

179

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Optional

Date
YYYYMMDD

Mandatory

C30

relationship credit limit.
113

114
115

116
(Effecti
ve for
submis
sion of

Credit Line
Change
Type

CreditLineChange
Ty
pe

N156

Date CoBorrower
Was
Added

CoBorrowerAddD
at
e

N157

Entity
Type

EntityType

M952

Originatio
n Credit
Bureau
Score
Version

OriginalCreditScore
Version

R037

1 = Purchase Limit
2 = Shadow Limit
Report the line change reported in line item
47 as 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
Provide the version of the commercially
available credit bureau score reported or
mapped to in item 38 using the format
“score-name score-version” (for example,
“FICO 08” or “FICO Classic” or “FICO

180

FR Y-14M

Line
Item
No.
June
2014
data)

117
(Effecti
ve for
submis
sion of
June
2014
data)

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Refreshed
Credit
Bureau
Score
Version

RefreshedCreditSco
reVersion

R039

118
(Effecti
ve for
submis
sion of
June
2014
data)

Internal
Originatio
n Credit
Score Flag

InternalOrigScoreFl
ag

R040

119

Internal
Originatio
n Credit
Score
Value
Internal
Refreshed
Credit

InternalOrigScoreV
alue

R041

InternalRefrScoreFl
ag

R042

120

Description

NextGen” or “FICO Industry” or
“VantageScore 3.0”, or the corresponding
score name and version using the
specified format if “Other” was selected in
item 109).
Provide the version of the commercially
available credit bureau score reported or
mapped to in item 40 using the format
“score-name score-version” (for example,
“FICO 08” or “FICO Classic” or “FICO
NextGen” or “FICO Industry” or
“VantageScore 3.0”, or the corresponding
score name and version using the
specified format if “Other” was selected in
item 110).
Indicate if an internal score was used to
map to a commercially available credit
bureau score in item 38, or if a
commercially available credit bureau
score was reported directly. If none of
these options were selected leave this field
blank.
1.
An internal score was used to map
to a commercially available credit bureau
score.
2.
A commercially available credit
bureau score was reported directly.
If an internal score was used in any way in
item 38, report the corresponding value of
the internal score here.
Indicate if an internal score was used to
map to a commercially available credit
bureau score in item 40, or if a

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

C30

Mandatory

N6.3

Mandatory

N1
181

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Score Flag

121

Internal
Refreshed
Credit
Score
Value

InternalRefrScoreV
alue

R043

Description

commercially available credit bureau
score is reported directly. If none of these
options were selected leave this field
blank.
1.
An internal score is used to map to
a commercially available credit bureau
score.
2.
A commercially available credit
bureau score is reported directly.
If an internal score was used in any way in
item 40, report the corresponding value of
the internal score here.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N6.3

182

FR Y-14M

D.2 Portfolio Level Table
Line
Item
No.
1
2
3

Line Item
Name

Technical Line Item
Name

BankId
PeriodId

BankId (PK)
PeriodId (PK)

Credit Card
Type

Lending

CreditCardType (PK)

LendingType(PK)

MDRM
(CCRS)
9001
9999

M050

M052

Description
Identify the bank.
Identify the reporting period. Reporting
period is the period (month) over which
account metrics are reported.
Report portfolio level information 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 -Employersponsored credit cards for use by a
company's employees.
Report portfolio level information in

Static or
Dynamic

Mandatory
or Optional

S
D

Mandatory
Mandatory

Mandatory

Format
N: Numeric
C: Character
C18
Date
YYYYMMDD
N1

183

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line Item
Name

MDRM
(CCRS)

Type

End of

Description

Static or
Dynamic

Mandatory
or Optional

one of the following
categories:

MonthEndManagedRec

M119

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 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.
Report the end of month managed

Mandatory

Format
N: Numeric
C: Character
1

N12.4

184

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line Item
Name

Month
Managed
Receivables

eivables

End of
Month
Book
Receivables

MonthEndBookReceiva
bles

Number of
Accounts

NumberAccount

MDRM
(CCRS)

M120

M121

Description
receivables. 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.
Report the end of month book
receivables. 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.
Report total receivables of the booked
accounts.
Report in millions the total number of
non-charge-off accounts as of the
reporting month.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4
185

FR Y-14M

Line
Item
No.
8
9

10
11
12
13

MDRM
(CCRS)

Line Item
Name

Technical Line Item
Name

Total
Number
of New
Accounts
ALLL
Managed
Balance

NumberNewAccounts
ALLLManagedBalance

M
1
2
2
M123

ALLL
Booked
Balance
Projected
Managed
Losses

ALLLBookedBalance

M124

Projected
Booked
Losses

ProjectedBankownedL
osses

M126

ManagedGrossChargeO
ffs

M127

Booked
Gross
Chargeoffs for

OnBalanceSheetGrossC
har geOffs

M128

Managed
Gross
Chargeoffs for the
current
month

ProjectedManagedLoss
es

M125

Description
Report in thousands total
number of new accounts
originated in the reporting
month.
Report the 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.
The managed portfolio is defined as all
the credit card loans institutions own,
service, or manage for others on and/or
off their balance sheets.
Report the amount of the ALLL assigned
to the bank-owned credit card portfolio
at the end of the month.
Report the estimated dollar amount of
losses for the next
12 months (rolling basis each
reporting month) for the entire
managed portfolio.
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).
Report the dollar amount of gross
charge-offs recognized in reporting
month for bank-owned receivables.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character
N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

186

FR Y-14M

Line
Item
No.

17
18
19

Line Item
Name
the
current
month

Technical Line Item
Name

MDRM
(CCRS)

Managed
Bankrup
tcy
Chargeoff
Amount
for
Current
Month
Booked
Bankrup
tcy
Chargeoff
Amount
for
Current
Month
Managed
Recoveries

ManagedBankruptcyCh
arg eOffAmount

M129

OnBookBankruptcyCha
rgeOffAmount

M130

ManagedRecoveries

M131

Booked
Recoveries

BookedRecoveries

M132

Manag
ed
Princi
pal

ManagedPrincipalReco
veryAmount

M133

Description
(Including, the total amount of any
write-downs, fee waivers or reversal of
loan interest and fees on the credit card
receivables).
Report the dollar amount of gross
charge-offs recognized in the reporting
month that was due to bankruptcy for
the entire managed portfolio.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

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

Mandatory

N12.4

Report amounts recovered on credit
card loans previously charged-off for
the entire managed portfolio in the
current reporting month.
Report all recoveries for prior
charge-offs on bank-owned
receivables, recognized through the
ALLL, in the current reporting month.
Report amounts recovered attributed as
principal recovery on credit card loans
previously charged-off for the entire
managed portfolio in the current
reporting month.

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4
187

FR Y-14M

Line
Item
No.

21
22
23

Line Item
Name
Recov
ery
Amou
nt
Managed
Interest and
Fees
Recov
ery
Amou
nt
Booked
Principal
Recovery
Amount

Technical Line Item
Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

ManagedInterestRecov
eryAmount

M134

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

Mandatory

N12.4

BookedPrincipalRecove
ryAmount

M135

Mandatory

N12.4

Booked
Interest
and Fees
Recovery
Amount
Interest and
Fees
Chargeoff/Reversa
l
Amount

BookedInterestRecover
yAmount

M136

Mandatory

N12.4

InterestAndFeeCharge
OffAmount

M137

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

Mandatory

N12.4

Loan Loss
Provision

LoanLossProvisionExp
ense

M138

Mandatory

N12.4

Report the total amount of any writedowns, 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.
Report loan loss provision expenses
during the month for credit cards only.

188

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line Item
Name

MDRM
(CCRS)

Expense

Loan Loss
Provision
Taken

ProvisionExpenseTake
n

M139

Loan Loss
Provision
Build

ProvisionExpenseBuild

M140

Extraordina
ry
Items

ExtraOrdinaryItems

M141

Interest

InterestExpense

N158

Description

Typically Loan Loss Provision Expense
will be the sum of Loan Loss Provision
Taken (Line item 25) and Loan Loss
Provision Build (Line item 26).
Report provision expenses taken during
the month for credit cards only.

This value should equal the total
amount that is charged against the loss
provision during the current month
(charged‐off – recovery).
Report the additional provision built up
during the month for credit cards only.
Provision build equals: provision
expense + recoveries - charge-offs
against the ALLL.
Reporting procedures may vary across
Banks. Typically
Loan Loss Provision Expense (Line
item 24) will be the sum of Loan Loss
Provision Taken (Line item 25) and
Loan Loss Provision Build (Line item
26).
This value should be the additional
loss provision made during the
month according to the approved loss
reserve methodology.
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.
Report the total interest expenses

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

189

FR Y-14M

Line
Item
No.
29
30
31

32
33

Line Item
Name
Expense

Total NonInterest
Expense
Total NonInterest
Expense Interchang
e Expense
Total NonInterest
Expense Rewards/
Rebates
Expense
Total NonInterest
Expense Collections
Expense
Total NonInterest
Expense Fraud
Expense
(Effective
for
submissio
n of June
2013 data)
Total NonInterest
Expense -

Technical Line Item
Name

MDRM
(CCRS)

TotalNonInterestExpen
se

N159

RewardsExpense

Description
accrued for the month to fund credit
card receivables.
Report the total non-interest expenses.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

N12.4

Report the interchange expense fees
paid to the card associations.

Mandatory

N161

Report the rewards/rebates expenses
associated with reward and rebate
programs for credit cards.

Mandatory

N12.4

CollectionsExpense

N162

Report costs incurred to collect
problem credits.

Mandatory

N12.4

FraudExpense

N163

Report losses incurred as a result of
fraudulent activity.

Mandatory

N12.4

OtherNonInterestExpe
nse

N164

Report all other operating and other
expenses associated with card
operations. This includes servicing,

Mandatory

N12.4

InterchangeExpense

N160

Mandatory

N12.4

190

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line Item
Name

MDRM
(CCRS)

All Other
Expenses

Interest
Income

InterestIncome

N165

Fee Income

TotalFeeIncome

N166

Fee Income
Late Fee
Income
Fee Income
Over Limit
Fee
Income
Fee Income
Balance
Transfer

LateFeeIncome

N167

OverLimitFeeIncome

N168

BalanceTransferFeeInc
ome

N169

38
39

Description
cardholder billing, processing
interchange, processing payments, card
issuing, authorizations, card
administration and outside
services/outsourcing expenses, etc.
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 contra- asset 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.
Report net fees assessed for late or
nonpayment accounts.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Report fees assessed for accounts going
over established credit limits.

Mandatory

N12.4

Report fees assessed for transferring
balances from another source outside
the bank, such as another financial
institution's credit card to a credit card

Mandatory

N12.4
191

FR Y-14M

Line
Item
No.
40
41

42
43
44
45

Line Item
Name
Fee
Fee Income
Convenienc
e
Check Fee
Fee Income
Cash
Advance
Fee
(Effective
for
submissio
n of June
2013 data)
Fee Income
NSF Fee
Fee Income
Other Fee
Income

Technical Line Item
Name

MDRM
(CCRS)

ConvenienceCheckFeeI
ncome

N170

CashAdvanceFeeIncom
e

N171

NSFFeeIncome

N172

OtherFeeIncome

N173

Interchange
Income
All Other
NonInterest
Income

InterchangeIncome

N174

Taxes

N176

OtherNonInterestInco
me

N175

Description
at this bank.
Report fees assessed for the use of
checks provided to assess available
credit on the account.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Report fees assessed for cash advances
on the account.

Mandatory

N12.4

Report fees assessed for payments
returned unpaid.

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Report other activity-based fees
assessed on an account, such as foreign
exchange conversion fees, not reported
in Line items 37-42 but included in Line
item 36.
Report interchange fees received from
the card associations.
Report any other non-interest
income as a part of total income
that is not reported in line items
35, 36 (summation of 37-43), and,
including annual fees, debt
suspension/cancellation product
fees, etc., associated with card
operations.
Report tax expenses applicable to credit

Mandatory

N12.4

192

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line Item
Name

MDRM
(CCRS)

Description
card income.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

193

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