Attestation - Ongoing revisions

Capital Assessment and Stress Testing

FR_Y-14M_Instructions

Attestation - Ongoing revisions

OMB: 7100-0341

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Modified May 23, 2017

OMB No. 7100-0341
Expiration Date: January 31, 2020

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 515 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 ............................................ 9
A.1 LOAN LEVEL TABLE ...................................................................................................................................................................... 12
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 ............................................................................................................................................................ 141

Schedule C: Address Matching Loan Level Data Collection......................................................................................... 142
C.1 DATA TABLE ............................................................................................................................................................................. 143

Schedule D: Domestic Credit Card Data Collection Data Dictionary ............................................................................ 147
D.1 LOAN LEVEL TABLE .................................................................................................................................................................... 149
D.2 PORTFOLIO LEVEL TABLE ............................................................................................................................................................ 192

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) and intermediate holding companies’ (IHCs) 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 1-4 Family Residential Loan, Domestic Home Equity, Address Matching, and
Domestic Credit Card data collections. The number of schedules a BHC or IHC 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) and intermediate holding companies (IHCs) 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 or IHC’s Consolidated Financial Statement for Bank
Holding Companies (FR Y-9C). Total assets shall be calculated based on the due date of the
bank or intermediate holding company’s most recent FR Y-9C. If the BHC or IHC has not filed
an FR Y-9C for each of the four most recent quarters, the average of the BHC’s or IHC’s total
consolidated assets in the most recent consecutive quarters as reported quarterly on the
BHC’s or IHC’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 or IHC
must submit a specific data collection or data element.

For large and noncomplex firms 1: Material portfolios are defined as those with asset balances
greater than $5 billion or asset balances greater than ten percent of Tier 1 capital on average for
the four quarters preceding the reporting quarter.
For large and complex 3 or LISCC Firms 4: Material portfolios are defined as those with asset
balances greater than $5 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 or IHC’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 and IHCs also have the option to complete the data
schedules for immaterial portfolios.

B. Exemptions

BHCs and IHCs that do not meet the reporting criteria listed above are exempt from reporting.
The following institutions are also exempt:
(1) BHCs, IHCs, 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. 5

Where to Submit the Reports

A large and noncomplex firm is a BHC or a U.S. intermediate holding company subsidiary of a foreign banking
organization (IHC) with total consolidated assets of at least $50 billion but less than $250 billion, nonbank assets of less
than $75 billion, and is not a U.S. GSIB.
3
A large and complex firms is a BHC, other than a LISCC firm, with total consolidated assets of $250 billion or more, or
nonbank assets of $75 billion or more.
4
A LISCC firm is a BHC that is subject to the Federal Reserve’s Large Institution Supervisory Coordinating Committee
(LISCC) framework.
5
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.

All bank and intermediate holding companies subject to these reporting requirements must submit their
completed reports electronically. Bank and intermediate 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 and IHCs 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 corresponding to the quarter in which the first FR Y-14Q reports are submitted, at which time data for
all three intervening months would be due. For example, a new respondent that crosses the $50 billion asset
threshold as of September 30 of a given year would be required to prepare its initial FR Y-14M report as of
December of that year and file its FR Y-14M reports for December, January, and February in March.

How to Prepare the Reports:
A. Applicability of GAAP
BHCs and IHCs 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 and IHCs
should be maintained in such a manner and scope to ensure the FR Y-14M is prepared in accordance with
these instructions and reflects a fair presentation of the BHCs' and IHCs’ 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 or IHCs
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 and IHCs 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 or IHC is not required to report a particular data item if a foreign law prohibits the BHC or IHC from
providing the information to the Federal Reserve. However, the Federal Reserve is authorized by law to
collect information from a BHC or IHC regarding its exposures, including foreign exposures.

A BHC or IHC 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 or IHC 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 and IHCs should submit any questions or requests for interpretations by e-mail to [email protected].

I. Attestation

For respondents that are part of the Federal Reserve’s Large Institution Supervision Committee
portfolio, 6 the Capital Assessments and Stress Testing (FR Y-14A/Q/M) data submission must be signed
by the chief financial officer or an equivalent senior officer. By signing the cover page of this report, the
authorized officer acknowledges that any knowing and willful misrepresentation or omission of a
material fact on this report constitutes fraud in the inducement and may subject the officer to legal
sanctions provided by 18 USC 1001 and 1007. Material weaknesses in internal controls or material
errors or omissions in the data submitted must be reported through the respondent’s designated Federal
Reserve System contacts as they are identified.
The cover page for the FR Y-14A/Q/M attestation should be submitted with the FR Y-14A submission
for the FR Y-14A, FR Y-14Q and FR Y-14M reports as of December 31, 2016. The cover page for the
FR Y-14Q/M and FR Y-14A semi-annual (as-of June 30) attesting to conformance to instructions and
materially correctness of the data should be submitted with all other semi-annual, quarterly and monthly
submissions in 2017. Effective December 31, 2017, there will a new FR Y-14A cover page (including
internal controls throughout the year for the FR Y-14Q/M) to be submitted with the annual FR Y-14A
submission. The FR Y-14Q/M cover page should continue to be submitted quarterly and monthly with
the FR Y-14Q and FR Y-14M submission, respectively, and for the FR Y-14A semi-annual submission
as-of June 30.
A signed version of the attestation cover page should be submitted concurrently with the report
submission electronically in Intralinks, and respondents must maintain in their files a signed attestation
cover page.
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

http://www.federalreserve.gov/bankinforeg/large-institution-supervision.htm

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 or IHC’s portfolio and all
loans serviced by the BHC or IHC in that period. 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. 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, Schedule
HC-S, item M.2.c, 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 and IHCs 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 and IHCs 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 and IHCs 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 or IHC 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 or IHC 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 or IHC
has been submitting different loan numbers for the same loan in the FR Y-14M collection versus OCC
data collection, the BHC or IHC 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 or IHC 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.
10

•

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 and IHCs must use the following naming convention when submitting data files to the data
aggregator.
FRY14_FIRSTLIEN_LOANLEVEL___.TXT

FRY14_FIRSTLIEN_PORTFOLIOLEVEL___.TXT

In the case of the First Lien Schedule, BHCs and IHCs 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 or IHC 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 or IHC use
the same loan number for the FR
Y‐14M data schedules. However,
if a BHC or IHC has already been
submitting different loan numbers
for the same loan for the FR Y14M and the OCC collections, the
BHC or IHC should continue
submitting the same loan number
it has been using for the FR Y-14M.
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

Line Item
No.

Line Item Name

Loan Closing Date

MDRM (CCFL)

M143

Detailed Description
loans the general requirements
listed in the schedule instructions
will be applicable. Overall, the
entire data file sent by a BHC or
IHC 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

Two-letter postal codes for the
state.

Character (2)

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

Property State

M144

9200

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.
Property State – Report the state
in which the property is located.
If a loan is secured by two
properties in different states and
is flagged as a commercial loan in
the Commercial Loan Flag field,

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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

Character(5)

then leave the Property State field
blank.
5

Property ZIP Code

9220

Original Loan
Amount Disbursed

M147

Original Property
Value

M148

Original LTV

M149

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

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

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

Amount of loan rounded to the
nearest whole dollar.
Original Property Value – Report
e.g., 125000 for $125,000.00
the property value in dollars at the Use banker’s rounding.
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.

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

Whole Number

Numeric, to 2
decimals

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-tovalue (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 and/or
DTI (debt to income ratio) of the

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

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 or IHC’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

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Whole Number, e.g., 36, 42

Whole Number

Whole Number, e.g., 36, 42

Whole Number

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.

Debt to Income
(DTI) Front-End at
Origination

M153

Back-end DTI ratios give the
percentage of monthly income
necessary to cover all of the
borrower’s debt obligations.
DTI Ratio (Front-end) at
origination – Report the Front-end
DTI (PITI Housing Ratio) at
origination of the mortgage.
Front-end DTI ratios give the
percentage of a borrower's

Line Item
No.

Line Item Name

MDRM (CCFL)

Origination Credit
Bureau Score

M154

Occupancy

M155

Credit Class

M156

Detailed Description

Allowed Values

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.
This line item should be measured
at origination.
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 134 and the
credit score version in item 135.
Report Occupancy related
information available on the
mortgage at the time of
origination.

Provide as a whole number,
e.g.759

Credit Class – Report the servicer
defined Prime, Alt-A, and Nonprime designation as assessed at
the time of loan origination; it
shall not change over time.

Occupancy Coding
1 = Primary
2 = Second Home
3 = Non Owner / Investment
U = Unknown
1 = Prime
2 = Alt-A
3 = Non-prime
4 = Government Owned

Format, Line
Item Length

Whole Number

Character(1)

Please note that this is a servicer
defined line item.

Note: Many government programs

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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)

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.

Loan Type

M157

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 Y-14M
submission and consistent across
multiple FR Y-14M submissions
over time.

Report the product group (i.e. loan
type). Loan type should reflect the
loan type at the time of
origination.
Loan Type will generally be coded
as Conventional with PMI,
Conventional without PMI, FHA
Residential, or VA Residential.
Other listing of codes specified in
the schedule, including the code
for CRA shall only be used when
the loan cannot be categorized
using one of these codes and is
considered a CRA loan by the BHC

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

or IHC.

A mortgage is considered
conventional for purposes of FR Y14M reporting if the mortgage’s
underlying terms and conditions
meet the funding criteria of Fannie
Mae or Freddie Mac. If a loan’s
terms and conditions do not meet
these funding criteria and the loan
is not insured or guaranteed
under the other government
programs tabulated in the FR Y14M instructions for the Loan
Type field, then report a value of
‘Y’ for Other.

• 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)

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)

•FHA Project

•Conventional with Private
Mortgage Insurance Conventional with PMI – Nongovernment insured mortgages
insured by a private (nongovernment) 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

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

channel.

• Wholesale (Broker) - Report all
mortgages originated through the
reporting institution's
wholesale/broker production
channel. Report as broker
originated all third-party
originated loans where the bank
cannot distinguish between
broker and correspondent
originated.

• Correspondent - 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 third-party 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.

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Residential Mortgages acquired
for the Servicing Portfolio in this
manner are typically negotiated as
one-time transactions between a
Mortgage Institution and an
independent third party
originator (Mortgage Company or
Correspondent). Report all bulk
acquisitions and correspondent
flow acquisitions as
correspondent originated when
the institution cannot distinguish
between these categories. Do not
label bank acquisitions as Bulk
Purchases.
• 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.

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)

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.
11 = Fixed 40
12 = Fixed Greater than 40
Fixed 20 – Fixed rate amortizing
13 = Fixed Other
loans with a 20 year loan term.
14 = Fixed 10
Also include fixed rate loans
15 = ARM 1
where loan term is greater than 15 16 = ARM 15
and less than 20 years.
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 amortizing
loans with a 10 year loan term.
Also include fixed rate loans
where loan term is less than 10
years.

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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 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.

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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 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
loans which do not fall into any of
the categories listed above. An
example would be graduated
payment mortgages (GPMs).
26

Line Item
No.
20

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Loan Purpose
Coding

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

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

Mortgage
Insurance
Coverage Percent
at Origination

M162

M163

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”.

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

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 for 0.8 for 80%
loans with loan level mortgage
1.05 for 105%
insurance coverage.
This field should remain

Format, Line
Item Length
Character(1)

Character(1)

Numeric, to 2
decimal places

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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

Character(1)

unchanged even if the insurance
coverage is changed or removed in
future months.
23

Property Type

M164

Property Type –

Balloon Flag

M165

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

Balloon Term

M166

Buy down Flag

M167

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 7-year balloon).
Report whether loans are buy
downs.

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).

Y=Yes
N=No
U=Unknown

Character(1)

Whole Number

Y=Yes
N=No
U=Unknown

Character(1)
28

Line Item
No.
27

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Interest Only at
Origination

M168

Interest Only at Origination Flag – Y=Yes
Report whether the loan was an IO N=No
loan at the time of origination.
U=Unknown

Format, Line
Item Length
Character(1)

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

Recourse Flag

M169

ARM Initial Rate

M170

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.
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.

Y=Yes
N=No
U=Unknown

Character(1)

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

Numeric, up to
5 decimals

Line Item
No.
30

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

ARM Initial Rate
Period

M171

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

Whole Number

Format, Line
Item Length
Whole Number

Report the ARM Periodic Interest
Reset Period (in Months). All of
the ARM interest rate and
payment variables should be
populated with the origination
values.

Whole Number

ARM Index – Report the index
used as the basis for determining
the monthly interest rate. All of
the ARM interest rate and
payment variables should be
populated with the origination
values.

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

Character(2)

ARM Periodic
Interest Reset
Period

ARM Index

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

M172

M173

Report the initial fixed principal
and interest payment period in
months for adjustable rate hybrid
loans.

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

A BHC or IHC using the Wall Street

Line Item
No.

Line Item Name

MDRM (CCFL)

ARM Margin at
Origination

M174

ARM Negative
Amortization %
Limit

M175

Detailed Description

Allowed Values

Journal prime rate should report
the value ’50’ for Bank Prime Rate.

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

ARM margin – Report the margin
for adjustable rate loans.
Report the rate that is added to
the index to determine the
monthly interest rate at
origination of the loan.
ARM negative amortization %
limit.

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

Format, Line
Item Length

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

Numeric, up to
5 decimals

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

Numeric, up to
5 decimals

Line Item
No.
35

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

ARM Periodic Rate
Cap

M176

ARM periodic rate cap – Report
the periodic interest rate cap for
adjustable rate loans. All of the
ARM interest rate and payment
variables should be populated
with the origination values.

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

Format, Line
Item Length
Numeric, up to
5 decimals

ARM Periodic Rate Floor- Report
the periodic interest rate floor for
adjustable rate loans. All of the
ARM interest rate and payment
variables should be populated
with the origination values.

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

Numeric, up to
5 decimals

ARM Lifetime Rate Cap

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

Numeric, up to
5 decimals

ARM Periodic Rate
Floor

ARM Lifetime Rate
Cap

M177

M178

Absolute rate cap (not spread
from original)

Absolute rate floor (not spread
from original)

Report the lifetime interest rate
for adjustable rate mortgages.
Absolute rate cap (not spread
from original). All of the ARM
interest rate and payment
variables should be populated
with the origination values.

Line Item
No.
38

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

ARM Lifetime Rate
Floor

M179

ARM Lifetime Rate Floor

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

Format, Line
Item Length
Numeric, up to
5 decimals

ARM Periodic Pay
Cap

M180

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

Numeric, up to
5 decimals

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

Numeric, up to
5 decimals

ARM Periodic Pay
Floor

M181

Report the minimum lifetime
interest rate for adjustable rate
mortgages. Absolute rate floor
(not spread from original). All of
the ARM interest rate and
payment variables should be
populated with the origination
values.
Report the cap on monthly
payments for adjustable rate
mortgages. All of the ARM interest
rate and payment variables should
be populated with the origination
values.
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. All of the ARM interest
rate and payment variables should
be populated with the origination
values.

Line Item
No.
41

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Option ARM Flag

M182

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
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 30year 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 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

Line Item
No.

Line Item Name

MDRM (CCFL)

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

balance.

Negative
Amortization Flag

M183

Original Loan Term

M184

Original Interest
Rate

M185

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).

Format, Line
Item Length
Whole Number

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.

Line Item
No.
48

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

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

Format, Line
Item Length
Whole Number

Do not populate this field with
origination data.

Interest Only in
Reporting Month

M190

This field must be updated at least
one month within the quarter, and
refreshed at least one month
within every subsequent quarter.
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)

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

Line Item
No.
50

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Investor Type

M191

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

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

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

Format, Line
Item Length
Character(1)

• GNMA Buyout Loans-- Loans
bought out of GNMA securities
pools

• Local Housing Authority-Loans
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

Line Item
No.

Line Item Name

MDRM (CCFL)

Servicer Advances

M192

Option ARM in
Reporting Month

M193

Bankruptcy flag

M194

Detailed Description

Allowed Values

Format, Line
Item Length

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.

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

Whole Number

Character(1)

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

investors that do not include any
of the major investor types listed
in values 0-7, and can include
portfolio loans serviced for others.

Option ARM in Reporting Month –
Report whether a mortgage allows
a borrower a choice of payment
options in the reporting month.

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

Character(1)

Line Item
No.
54

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Bankruptcy
Chapter

M195

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

Next Payment Due
Date

M196

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

YYYYMMDD

Format, Line
Item Length
Character(2)

YYYYMMDD

This line item should be left blank
for accounts that closed in the
reporting month.
In cases where the debtor is in
Chapter 13 bankruptcy, the
contractual due date should be
reported. If the contractual due
date for a loan entering
bankruptcy is not known due to a
pending court response, report
the next pay due date as per the
loan terms. Do not leave the due
date field blank.

Line Item
No.
56

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Current Interest
Rate

M197

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

Remaining Term

M198

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

Format, Line
Item Length
Numeric, up to
5 decimals

Whole Number

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

Whole Number

Whole Number
e.g.,

Whole Number

Scheduled
Principal Balance
Amount

M199

Principal and
Interest (P&I)
Amount Current

M200

Report the remaining term of the
loan in months.

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.

A loan in the process of paying off

5123 for $5,122.81
Use banker’s rounding.
41

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

in a reporting month can be
reported with a value of 0 for P&I
due in that month. For REO
records for which original P&I is
not available it is also permissible
to report a value of 0 in this field.
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.

Unpaid Principal
Balance

M201

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

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

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

YYYYMMDD

transferred .

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.

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.
Flag indicating an active
foreclosure suspension

Format, Line
Item Length
YYYYMMDD

Character(1)

Line Item
No.

Line Item Name

Paid-in-Full Coding

MDRM (CCFL)

M205

Detailed Description
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".

Allowed Values

Format, Line
Item Length

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

Character(1)

• Not Paid In Full – Coded for any
home equity loans having an
outstanding balance as of monthend as well as all active lines of
credit.

• Voluntary Payoff – Code all
instances where the loan has been
paid in full by the borrower either
through refinance, sale of the
property or principal payment in
full.

• Involuntary Liquidation – Code
all instances where the loan has
been liquidated either through
foreclosure proceedings or
another settlement option
resulting in incomplete repayment
of principal. Include short-sales,
charge-offs, as well as REO
liquidations. This includes loans
active in the month prior to the
reporting month that were sold at

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)

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.

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)

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 not
yet occurred.

Only report a Repurchase Type of
1, 2, or 3 when the BHC or IHC has
received a repurchase request for
a particular loan from a
counterparty. If the BHC or IHC
voluntarily initiates a repurchase

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Repurchase Request Date- Report
the repurchase request date.

YYYYMMDD

Refreshed property value – Report
the most current property value if
updated subsequent to loan
origination. Only provide a

e.g. 125000 for $125,000.00

Whole Number

then report a Repurchase Type
value of ‘0’.

Repurchase
Request Date

M208

Refreshed Property M209
Value

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

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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.)
Refreshed values are expected to
be populated for modified loans
only and the information to be
collected at the time modification
terms are being set. These are
optional for other loans.

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

Line Item
No.

Line Item Name

MDRM (CCFL)

Refreshed Property M210
Valuation Method

Detailed Description
property value was 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 and must
involve both interior and exterior
inspections of the subject
property by a licensed 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)

• Limited appraisal – Prepared
by a certified appraiser that
obtains characteristics of the
property without the licensed
appraiser performing a full
interior and exterior inspection

• 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,

Line Item
No.

Line Item Name

MDRM (CCFL)

Most Recent
Property Valuation
Date

M211

Refreshed CLTV
After Modification

M212

Detailed Description
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,
provide the most recent property
valuation date, the valuation
method, and the property value.
Report the date on which the most
recent refreshed property value
was obtained.
Refreshed CLTV After
Modification – Report the
calculated combined loan-to-value
ratio after the modification.

Allowed Values

Format, Line
Item Length

YYYYMMDD

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

Numeric, up to
2 decimals

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

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Whole Number

LTV.

Refreshed DTI
Ratio (Back-end)

M213

Provide the CLTV that was used 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.
Refreshed values are expected to
be populated for modified loans
only and the information to be
collected at the time modification
terms are being set. These are
optional for other loans.

Refreshed DTI
Ratio (Front-end)

M214

Back-end DTI ratios give the
percentage of monthly income
necessary to cover all of the
borrower’s debt obligations.
Refreshed DTI Ratio (Front-end) –
Report the refreshed Front-end
DTI (PITI Housing Ratio).
Refreshed values are expected to
be populated for modified loans
only and the information to be
collected at the time modification
terms are being set These are

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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

Numeric

optional for other loans.

Modification Type

M215

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.)
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.

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.

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

• Loan has not been modified.

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

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

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.

Last Modified Date

M216

Active Repayment
Plan Flag

M217

• 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.
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

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

Character(1)

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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
Reduction Plan, or other GSEsponsored forbearance
program.

Numeric

stipulated repayment plan are
met.

Workout Type
Completed

M218

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 left blank.
Specific coding instructions
follow:

Code 0 - Enter in the case where

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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 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

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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

Line Item
No.
78

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

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
plan was broken in previous
months.

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

Format, Line
Item Length
Numeric

• 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

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

agreement and the modification
was not executed.

• Repayment Plan Active – The
borrower is performing as
scheduled according to the terms
of an executed repayment plan.
• Repayment Plan Broken – The
borrower has defaulted on the
terms of an executed repayment
plan during the month.

• Repayment Plan Cancelled by
Servicer – The borrower was on a
repayment plan that was cancelled
by the mortgage servicer during
the month.
• Repayment Plan Cancelled at
Borrower’s Request – The
borrower was on a repayment
plan that was cancelled at their
request during the month.

• 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 pre-

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Y=Yes
N=No

Character(1)

modifications 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
Refinance”
Program Flag

M220

• Home Affordable Trial Extended
/ Mod Pending – All payments
made as agreed and performing
but awaiting documentation
and/or a final underwriting
decision.
Report whether a loan was
originated under the Home
Affordable Refinance program.
HAMP loans should not be
included in this population.

“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.

Line Item
No.
80

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

HAMP Loan
Number

M221

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.

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

Y=Yes
N=No

Capitalization

M222

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.

Format, Line
Item Length
Character(32)

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”.
This line item should only be

Line Item
No.

Line Item Name

MDRM (CCFL)

Delinquent
Amount
Capitalized

M223

Duration of
Modification

M224

Step Modification
Flag

Loss Mitigation
Performance
Status

M225

M226

Detailed Description

Allowed Values

Format, Line
Item Length

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

Whole Number

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

Character(1)

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
mitigation.

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

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

department. Refers to all loans
3 = Broken
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.
• 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.

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

Note: If loss mitigation efforts
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.

A loan that has failed to perform
according to a loss mitigation plan
should be reported with a value of
“3” for Loss Mitigation
Performance Status until the loan
has been paid in full, re-modified
or charged off.
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

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

amount of deferred principal
provided over the life of the loan
assuming that the borrower
performs as agreed.

88
89

Principal Write
down (Retired
March 2013)
Principal WriteDown Amount

M229
M230

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.

Principal Write-Down Amount–
Report the principal write-down
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 write-down
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 write-downs (i.e., the
annual HAMP forgiveness

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)

payments should not be flagged as
principal reductions).

Property Valuation
Method at
Modification

M231

Property Valuation Method at
Modification – Report the method
used to determine the property
value prior to loan modification.
• Full appraisal – Prepared by a
certified appraiser and must
involve both interior and exterior
inspections of the subject
property by a licensed appraiser

• Limited appraisal – Prepared by
a certified appraiser that obtains
characteristics of the property
without the licensed appraiser
performing a full interior and
exterior inspection
• Broker Price Opinion “BPO” –
Prepared by a real estate broker
or agent

• Desktop Valuation – Prepared by
bank employee

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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

Character(1)

• Automated Valuation Model
“AVM”

Interest Type
Conversion
Duration

SOP 03-3 Status

M233

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

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-inlieu 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 commissions
and buyer concessions).

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

Whole Number
69

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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

Whole Number

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

Line Item
No.
96

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Troubled Debt
Restructure Flag

M238

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.

Y=Yes
N=No

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)

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.

• Other Loans Reported OnBalance Sheet under FAS 140 – To
reflect bank-supported
securitizations and/or other
indemnifications.

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Interest Rate
Reduced

M262

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 or IHC would report ‘Y’ for
this line item.

This line item should only be
populated for loans with a value in
Line item 74 (Modification Type).

Line Item
No.
99

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Interest Rate
Frozen

M232

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

Y=Yes
N=No

Format, Line
Item Length
Character(1)

For example, if a loan resetting
from 4% to 6% is frozen at the 4%
rate, the BHC or IHC would report
‘Y’ for this line item.
100

101

Term Extended

P&I Amount Before
Modification

M929

M930

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).
Report the scheduled principal
and interest amount 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).

Y=Yes
N=No

Character(1)

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

Whole Number

Line Item
No.
102

103

104

105

106

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

P&I Amount After
Modification

M931

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

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

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

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

Numeric, up to
5 decimals

Report the interest rate in the
month after loan modification.

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

Numeric, up to
5 decimals

Whole Number

Interest Rate
Before
Modification

M932

Interest Rate After
Modification

M933

Remaining Term
Before
Modification

M934

Remaining Term
After Modification

M935

This line item should only be
populated for loans with a value in
Line item 74 (Modification Type).

This line item should only be
populated for loans with a value in
Line item 74 (Modification Type).
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 prior to loan modification.
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).

Format, Line
Item Length
Whole Number

Line Item
No.
107

108

109

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Escrow Amount
Before
Modification

M936

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.

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

Escrow Amount
After Modification

Alternative Home
Liquidation Loss
Mitigation Date

M937

M938

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 after 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).
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

Format, Line
Item Length
Whole Number

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

Whole Number

YYYYMMDD

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

YYYYMMDD

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 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

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)

the investor accepting a short
payoff of the existing first
mortgage), and other refinance or
alternative 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 and must
involve both interior and exterior
inspections of the subject
property by a licensed appraiser

•Limited appraisal – Prepared by a
certified appraiser that obtains
characteristics of the property
without the licensed appraiser
performing a full interior and
exterior inspection

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Identification of Third Party Sales
at time of Foreclosure Sale

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

Character(1)

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

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

•Desktop Valuation – Prepared by
bank employee
112

113

Third Party Sale
Flag

M941

Escrow Amount
Current

M268

•Automated Valuation Model
“AVM”

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.

Line Item
No.
114

115

116

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Escrow Amount at
Origination

M942

Report the escrow amount
(including taxes and insurance)
due from the borrower at
origination of the loan (included in
the first payment).

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

Remodified Flag

Mortgage
Insurance
Company

M943

M944

For non-escrow loans, report a
value of zero.
Report whether the loan has been
modified more than once in the
last 24 months.

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

If the mortgage is insured against
loss in any way, either through
primary or pool-level insurance,
then report the company
providing that insurance. If more
than one company is insuring
against losses, give preference to
the company providing the
primary MI.

Format, Line
Item Length
Whole Number

N = No
Y = Yes

Character(1)

MI Company Coding
1 = GE
2 = MGIC
3 = PMI
4 = UGIC
5 = RMIC
6 = Radian
7 = Integon
8 = Triad
9 = CMG
10 = Essent
11 = No MI
12 = Has MI - Company
Other/Unknown
13 = National Mortgage
Insurance
14 = Arch MI
99 = Unknown whether has MI

Numeric

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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

117

118

Interest Type at
Origination

Entity Serviced

M244

Report the interest type at
origination.

• 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 or IHC 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 = Fixed
2 = Variable

Character(1)

1 = FRB
2 = OCC
3 = FDIC

Character(1)

Line Item
No.

119

Line Item Name

Loss/Write down
Amount

MDRM (CCFL)

M241

Detailed Description
entities within the BHC or IHC.
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 or IHC 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 write-offs 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

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

reversals of accrued but not
collected interest, not directly
charged against the ALLL. This
should include accounting
adjustments to fair market value.

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

The Loss/Write-down Amount is
intended to parallel the amount
and timing of loss recognized
under regulatory accounting rules
prior to, upon and following
foreclosure of the property
securing the loan. As a general
rule, the amount of recognized
loss is the difference between the
recorded amount of the loan and
the fair market value of the asset
(less cost to sell). The Loss/Writedown Amounts recognized in
subsequent months after
foreclosure are the adjustments, if
any, to the on-balance sheet value
of the foreclosed asset. Include in
the Loss/Write-down Amount
items charged directly to the
Allowance for Loan and Lease
Losses as well as items charged to
unearned interest, any valuation
allowance established against the
asset and accounts related to item

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

5.j on Schedule RI – “Net gains
(losses) on sales of other real
estate owned”.
120

Loss/Write down
Date

M947

121

Sales Price of
Property

M948

122

Performance of
Junior Lien(s)
(Retired June

M949

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 or
IHC 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 or IHC in the case of
involuntary termination. Provide
the same price as the BHC or IHC
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.

Line Item
No.
123

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

2016)
Ever 90+ DPD in
the Past 12 months

M950

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

Character(1)

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.

Character(1)

•

•
124

Commercial Loan
Flag

M951

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

“U” if unknown

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

Line Item
No.

125

126

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Probability of
Default – PD

M114

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.

Numeric, up to
5 decimals

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

Numeric, up to
5 decimals

Loss Given Default
– LGD

M115

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

Line Item
No.
127

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Expected Loss
Given Default –
ELGD

M116

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

If the BHC or IHC generates this
field, they are required to report
it.ELGD is an input into the LGD
calculation.

Report the BHC’s or IHC’s
empirically based best estimate of
the long-run default-weighted
average economic loss, per dollar
of EAD, the BHC or IHC would
expect to incur if the obligor (or a
typical obligor in the loss severity
grade assigned by the bank to the
exposure or segment) were to
default within a one-year horizon,
which is a floor for the Basel risk
parameter LGD under the Rule. If
the BHC or IHC does not capture
this field, then leave it blank.
Note: Applicable only to firms
subject to the advanced
approaches rule. This item is
required for BHC or IHC-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 or IHC-owned
loans only.

129

Entity Type

M952

Abbreviations:
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 IHC 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

Whole number

Line Item
No.
130

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

HFI FVO/HFS Flag

M953

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).

Y= Yes
N = No

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

Whole Number

1 = Fixed
2 = Variable

Character(1)

131

Interest Only Term
– Original

M954

132

Interest Type Current

M248

Note: For non-portfolio loans
leave this line item blank.

Report the loan interest type in
the current reporting month.

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

Format, Line
Item Length
Character(1)

• 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.

Line Item
No.
133

Line Item Name

MDRM (CCFL)

Detailed Description

Product Type –
Origination

M955

Report the product type as of the
loan origination

Allowed Values

1 = Fixed 30
2 = Fixed 20
3 = Fixed 15
Identifies the product type of the
4 = ARM 2
mortgage, including the interest
5 = ARM 3
type, amortization term and initial 6 = ARM 5
fixed period for hybrid products.
7 = ARM 7
8 = ARM 10
Fixed 30 – Fixed rate amortizing
9 = ARM Other
loans with a 30 year loan term.
10 = Other
Also include fixed rate loans
11 = Fixed 40
where loan term is greater than 20
12 = Fixed Greater than 40
and less than 30 years.
13 = Fixed Other
14 = Fixed 10
Fixed 20 – Fixed rate amortizing
15 = ARM 1
loans with a 20 year loan term.
16 = ARM 15
Also include fixed rate loans
where loan term is greater than 15
and less than 20 years.

Format, Line
Item Length
Character(2)

Fixed 10 – Fixed rate 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

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

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.
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

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

1=FICO

Character(1)

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.

134

Origination Credit
Bureau Score
Vendor

R036

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).
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

2=VantageScore
3=Other

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Text String

Character(30)

1=FICO

Character(1)

treated as missing data by the
Federal Reserve.

135

Origination Credit
Bureau Score
Version

R037

136

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”).
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

2=VantageScore
3=Other

Line Item
No.

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Format, Line
Item Length

Text String

Character(30)

YYYYMMDD

Federal Reserve.

137

Current Credit
Bureau Score
Version

R039

138

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

This field must be updated at least
one month within the quarter, and
refreshed at least one month
within every subsequent quarter.

Line Item
No.
139

Line Item Name

MDRM (CCFL)

Detailed Description

Allowed Values

Serviced by Others
(SBO) Flag

R622

Indicates the servicer of the loan.

Y-Yes
N-No

If the loan is serviced by entities
other than the BHC or IHC or its
subsidiary, use a code of Y.

Format, Line
Item Length
Character(1)

If the loan is serviced by the BHC
or IHC or its subsidiary, use a code
of N.
140

Reporting As of
Month Date

R623

Indicate the reporting as of month
date.

YYYYMM

Note: This field will generally be
consistent with the
AS_OF_MON_ID used in the file
naming convention. However,
loans that are flagged as SBO loans
may have a different reporting as
of date. Use this field to code the
reporting as of date for all loans.

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 and IHC’s portfolio and all
loans serviced by the BHC and IHC in that period. 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. 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, HC-S, item M.2.c, 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.
If a second lien closed-end mortgage becomes a first lien during the life of the loan, continue to report
the loan under the FR Y-14M Home Equity schedule. Lien position at origination should be used to
decide which schedule to use in closed-end loan reporting.
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 and IHCs 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 and IHCs 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 and IHCs 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.
96

•
•

•

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.
We require that a loan number uniquely identify a loan through its entire life. If a BHC or IHC 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 or IHC 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 or IHC
has been submitting different loan numbers for the same loan in the FR Y-14M collection versus OCC
data collection, the BHC or IHC 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 or IHC should have unique
loan numbers across the entire submission.
Report the data based on updated/newer contract terms upon HELOC line renewals. In particular, if
the draw period has been extended, modify the fields Allowable Draw Period (field #28), Original
Loan/Line Term (field #37) and Remaining Term (field # 84) to indicate the total length of these
periods including the additional time added through the renewal. If other terms and conditions were
changed in the renewal, also update all affected fields. Identify such renewals using the applicable code
value for the field Modification Type (field #77) and indicate the line renewal date in the field Last
Modified Date (field #78).

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.
97

•

•
•
•

•

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
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 and IHCs 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 or IHC 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 and IHCs 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 or IHC 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 or IHC use the same loan number for
the FR Y‐14M data schedules. However, if a BHC or IHC has
already been submitting different loan numbers for the same
loan for the FR Y-14M and the OCC collections, the BHC or IHC
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 or IHC 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

Line Item
Name

MDRM
(CCHE)

Property
State

9200

Property ZIP
Code

9220

Original Loan
Amount
Disbursed

M147

Original Loan
/ Line
Commitment

M242

Original
Property
Value

M148

Original
Combined
LTV

M150

Allowed Values

Format, Line
Item Length

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

Two-letter postal
codes for the state

Character(2)

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

Five-digit number.
Include leading
zeroes, e.g.:
00901, 10101
e.g. 125000 for
$125,000.00

Character(5)

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%

Numeric, to 2
decimals.
Please see
"Allowed
100

If a loan is secured by two properties in different states and is
flagged as a commercial loan in the Commercial Loan Flag field,
then leave the Property State field blank.

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.

Detailed Description

This data should be available either in BHCs' or IHCs’ 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 which 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

Whole Number

Line
Item
No.

Line Item
Name

Income
Documentati
on

MDRM
(CCHE)

M151

Detailed Description
junior liens, divided by the property value at the time of loan
origination. If there is only one lien on a property then
report LTV in the Original Combined LTV field.
.
Report how the borrower’s income levels were documented at
the time of origination.

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

• 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.

Allowed Values
Please populate
with NULL if
unavailable

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

Format, Line
Item Length
Values"
Character (1)

“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 –

101

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

Unknown” option, as appropriate.
Debt to
Income (DTI)
Back-End at
Origination

Debt to
Income (DTI)
Front-End at
Origination

M152

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 back-end DTI ratio, which is
the percent of a borrower’s total monthly debt payments
(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.

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

M189

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

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

Whole Number
Whole Number
102

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Credit
Bureau Score

Occupancy

Lien Position M158
at Origination

Home Equity
Line Type

Number of
Units

M155

M243

M162

Detailed Description

Allowed Values

Format, Line
Item Length

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.

number, e.g.: 723

Owner Occupancy Flag – 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
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

Character(1)

1 = one unit
2 = two units
3 = three units
4 = four units

Character(1)

This field must be updated at least one month within the
quarter, and refreshed at least one month within every
subsequent quarter.

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”.

Character(1)
Character(1)

103

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Property
Type

Interest Type M244
at Origination

M164

Interest Only M168
at Origination

Detailed Description

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).

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

Allowed Values

Format, Line
Item Length

Y = Other
U = Unknown
1 = Single Family
Resident
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
1 = Fixed
2 = Variable

Character(1)

Y=Yes
N=No
U=Unknown

Character(1)

104

Line
Item
No.

Line Item
Name

Interest Only
in Reporting
Month

M190

Loan Source

M159

MDRM
(CCHE)

Detailed Description
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
available.
• Retail – Report all loans originated through the reporting
institution’s retail, including branch or internet, production
channel.

• Wholesale (Broker) - Report all loans originated through the
reporting institution's wholesale/broker production channel.
Report as broker originated all third-party originated loans
where the bank cannot distinguish between broker and
correspondent originated.

• Correspondent - Loans acquired through the reporting
institution's correspondent production channel. This includes
all whole loans purchased on a recurring basis (flow) from
another correspondent institution, eligible for securitization
into the secondary markets or portfolio retention on the bank's
balance sheet. Report as broker originated all third-party
originated loans when the bank cannot distinguish between
broker and correspondent originated.

Allowed Values

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

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

Format, Line
Item Length

Character(1)

105

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

• 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
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.
Although the Credit Class line items in the FR Y-14M First Lien
and Home Equity schedules allow servicer-defined categories

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

Character(1)

106

Line
Item
No.

Line Item
Name

Loan / Line
Owner

MDRM
(CCHE)

M245

Detailed Description
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.

ARM Initial
Rate Period

M171

ARM
Payment
Reset
Frequency

M246

Allowable
Draw Period

M247

Format, Line
Item Length

• Securitized – Loans securitized by private or public issuers.

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

Character(1)

• Serviced For Others – Loans that are not contained in
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.

Whole Number

1 – 480;
999

Whole Number

• Portfolio – Loans owned and held on the bank’s balance sheet.
Include both held for sale and held for investment in this
category.
26

Allowed Values

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.

For example, a loan where the interest rate adjusts once a year
will have a Payment Reset Frequency of 12 (months). A floating
rate note that can reset its rate every month should be reported
to have a Payment Reset Frequency of 1 (month).
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.

107

Line
Item
No.
29

Line Item
Name
ARM Index

MDRM
(CCHE)
M173

Detailed Description
Report the published financial index name used to determine
the interest rate. All of the ARM interest rate and payment
variables should be populated with the origination values.
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

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
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
108

Line
Item
No.
30
31

Line Item
Name

MDRM
(CCHE)

ARM Margin
M174
at Origination
ARM Periodic
Rate Cap

M176

ARM Periodic
Rate Floor

M177

ARM Lifetime
Rate Cap

M178

ARM Lifetime
Rate Floor

M179

ARM Periodic
Pay Cap

M180

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) All of the ARM
interest rate and payment variables should be populated with
the origination values.
ARM Periodic Rate Floor- Report the periodic interest rate floor
for adjustable rate loans.
Absolute rate floor (not spread from original) All of the ARM
interest rate and payment variables should be populated with
the origination values.
ARM Lifetime Rate Cap- Report the lifetime interest rate for
adjustable rate mortgages. Absolute rate cap (not spread from
original) All of the ARM interest rate and payment variables
should be populated with the origination values.
ARM Lifetime Rate Floor- Report the minimum lifetime interest
rate for adjustable rate mortgages. Absolute rate floor (not
spread from original) All of the ARM interest rate and payment
variables should be populated with the origination values.
Report the cap on monthly payments for adjustable rate
mortgages. All of the ARM interest rate and payment variables
should be populated with the origination values.
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.

Allowed Values
UU = Unknown

Format, Line
Item Length

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

Numeric, to 5
decimals

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

Numeric, to 5
decimals

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%

Numeric, to 5
decimals

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

Numeric, to 5
decimals

109

Line
Item
No.
36
37

Line Item
Name
ARM Periodic
Pay Floor
Original
Loan/Line
Term

MDRM
(CCHE)
M181
M184

Detailed Description

Allowed Values

Report the floor on monthly payments for adjustable rate
mortgages. All of the ARM interest rate and payment variables
should be populated with the origination values.
Report the term in months on the original loan/line.

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)

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

Format, Line
Item Length

Whole Number

For a line of credit, the original loan term should be the
combined draw period and the amortized repayment period.

For the accounts from the commercial system that are due on
demand, the BHC or IHC can leave this field blank. The BHC or
IHC should note to flag such commercial loans correctly using
the field Commercial Loan Flag (field #102) to identify such
loans.
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.

38
39

Bankruptcy
Flag

M194

Next
Payment Due
Date

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
outstanding payment on the loan. For delinquent loans, this
date will be in the past.
This line item should be left blank for account closed in the
current month.

YYYYMMDD

110

Line
Item
No.

40
41
42
43

Line Item
Name

Original
Interest Rate
Current
Interest Rate

MDRM
(CCHE)

M185
M197

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

Detailed Description

In cases where the debtor is in Chapter 13 bankruptcy, the
contractual due date should be reported. If the contractual due
date for a loan entering bankruptcy is not known due to a
pending court response, report the next pay due date as per the
loan terms. Do not leave the due date field blank.
Original Interest Rate – Report the annual percentage rate as
specified on the note at the time of origination.
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.
A loan in the process of paying off in a reporting month can be
reported with a value of 0 for P&I due in that month. For REO
records for which original P&I is not available it is also
permissible to report a value of 0 in this field.

Allowed Values

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.,

Format, Line
Item Length

Numeric, to 5
decimals
Numeric, to 5
decimals
Character(1)

Whole Number

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

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.

Unpaid

M201

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
e.g, 125000 for

Whole Number
111

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Principal
Balance

Detailed Description
at the end of the reporting month rounded to the nearest dollar.
This amount does not include any charge-offs, discounts or
other accounting marks. It should only be reduced to zero
when:

Allowed Values

Format, Line
Item Length

$125,000.00
Use banker’s
rounding.

• 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”.

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
Whole Number
Character(1)

112

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Foreclosure
Referral Date

M203

Foreclosure
Sale Date

M202

Detailed Description

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

M187
M188

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

Whole Number

113

Line
Item
No.

Line Item
Name

Paid in full
Coding
(Retired
March 2013)
Foreclosure
Status

MDRM
(CCHE)

M205
M206

Detailed Description

Liquidation
Status

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.

M252

Format, Line
Item Length

period from origination for which a prepayment penalty would
have applied. It should not change with the reporting month.

• 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.

Allowed Values

• 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

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)

114

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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
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.
55

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.

YYYYMMDD

0 = Loan does not
Numeric
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
115

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

• Stip-to-Mod Broken – The borrower has broken the terms
specified by a stip-to-mod agreement and the modification was
not executed.

• Repayment Plan Active – The borrower is performing as
scheduled according to the terms of an executed repayment
plan.

• Repayment Plan Broken – The borrower has defaulted on the
terms of an executed repayment plan during the month.
• Repayment Plan Cancelled by Servicer – The borrower was on
a repayment plan that was 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

Active
4 = Repayment
Plan Broken
5 = Repayment Plan
Cancelled by
Servicer
6 = Repayment
Plan Cancelled at
borrower’s request
7 = 2MP/HAMP
Trial Period Active
8 = 2MP/HAMP
Trial Broken
9 = 2MP/HAMP
Trial Cancellation

• 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.
57

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

N = No

Character(1)
116

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
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.
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

Allowed Values

Format, Line
Item Length

Y = Yes

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

Numeric
117

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

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 left blank.

3 = Deed in Lieu
4 = Short Sale
5 = Stipulated
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

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

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

Character(1)

Whole Number
118

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Amount

Credit Line
Frozen Flag

Detailed Description
be paid by the customer.

M255

For any loan or line where the “Settlement” option is selected
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

Use Banker’s
Rounding
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

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.
65

Locked
Amount –
Amortizing –
LOC

M256

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.

119

Line
Item
No.
66

Line Item
Name

MDRM
(CCHE)

Locked
Amount –
Interest Only
– LOC

M257

Repayment
Plan Start
Date

M258

Detailed Description
Locked Amount – Interest Only – LOC – Report the amount of
credit line that has been locked. (Interest Only)

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.

Allowed Values

Format, Line
Item Length

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

Whole Number

YYYYMMDD

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

Whole Number

The Repayment Start Date field should remain populated
throughout the life of a modified loan. If a repayment plan was
begun on a particular date then continue reporting that date for
an active loan even if the loan’s repayment plan has ended. If a
new repayment plan starts, use the new date.

Actual
Payment
Amount

M259

Lockout
Feature Flag

M260

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 principal and interest payment received in the reporting
month. Do not include fee payments.
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

N = No
Y = Yes

Character(1)

120

Line
Item
No.
70

Line Item
Name

Credit Line
Closed Flag

Interest Rate
Reduced

MDRM
(CCHE)

M261

M262

Detailed Description
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.
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 or IHC would report
‘Y’ for this line item.

Term
modification

M263

Principal
Write-down

M229

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.

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

Character(1)

121

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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.

Line Re-age

M264

The Principal Write-down field is only to be used for loans that
have undergone a reduction in outstanding principal due to a
loan modification or through loss mitigation activity. This field
should only be populated for loans that are also identified as
modifications by the Modification Type field.
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.

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

Character(1)

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

Character(1)

This Line item should be “Y” for lines that have been re-aged
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

M265

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

122

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

situation when an account's delinquency status is changed by
collections or customer service as part of a loss mitigation
effort.

If a home equity loan has been granted both a term
modification and loan extension as the result of distinct loss
mitigation arrangements then both the Term Modification and
Loan Extension flags can be accurately reported as ‘Y’.
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.

Current
Combined
LTV

M266

Modification
Type

M215

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
commitment of the HE loan or line. The BHC or IHC may use an
updated 1st mortgage balance, if available (serviced in house),
but is not required to do so. For property value, the BHC or
IHC should use the most recent estimate of property value. If
the BHC or IHC has not refreshed the value since loan
origination, then use the origination value. If the BHC or IHC
has updated a property’s value as part of a re-subordination
process, then it should report the refreshed property value and
current LTV along with the valuation method and date of
valuation.
Report the modification type. This line item should be
populated for any loan that is currently operating under

Provide as a
decimal. E.g.:
0.51 for 51.1%
Please leave blank
if unavailable

Numeric, to 2
decimals

0 Not Modified
7 2MP

Numeric
123

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description
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.

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.

Allowed Values

Format, Line
Item Length

8 Proprietary
Systematic
9 Proprietary Other
10 HAMP
13 HELOC Line
Renewal (Regular)

14 HELOC Line
Renewal (loss
mitigation strategy)

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
the stipulated trial plan.

HELOC Line Renewal (Regular) –Report any lines that have
been renewed and contract terms have changed and the
borrower meets BHC or IHC current credit standards. This code
value applies when the borrower has entered into a new
contractual obligation with the lender and the HELOC terms
have changed.
HELOC Line Renewal (loss mitigation strategy) – Report any

124

Line
Item
No.

Line Item
Name

Last Modified
Date

Refreshed
Property
Value

MDRM
(CCHE)

M216

M209

Detailed Description
lines that have been renewed and contract terms have changed
and the borrower does not meet the current BHC or IHC credit
standards. This code value applies when the borrower has
entered into a new contractual obligation with the lender and
the HELOC terms have changed.
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.
For HELOC Line Renewals, the field Modification Type will
contain code 13 or 14, and Last Modified Date field will be
populated with the line renewal date.

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

Refreshed values are expected to be populated for modified
loans only and the information to be collected at the time
modification terms are being set. These are optional for other
loans.
Do not report where the refreshed property value was not
obtained with the last year.

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

125

Line
Item
No.

Line Item
Name

Refreshed
Property
Valuation
Method

MDRM
(CCHE)

M210

Detailed Description
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 and must
involve both interior and exterior inspections of the subject
property by a licensed appraiser

• Limited appraisal – Prepared by a certified appraiser that
obtains characteristics of the property without the licensed
appraiser performing a full interior and exterior inspection
• Broker Price Opinion “BPO” – Prepared by a real estate
broker or agent
• Desktop Valuation – Prepared by bank employee
• Automated Valuation Model “AVM”

Refreshed
Property
Valuation

M267

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.
Report the date of the most recent property valuation.

Allowed Values

Format, Line
Item Length

0=Not Refreshed
1=Full Appraisal –
Prepared by a
licensed appraiser
2=Limited
appraisal-Drive-by
-Prepared by a
licensed appraiser
3=Broker Price
Opinion “BPO”Prepared by a real
estate broker or
agent
4=Desktop
Valuation –
Prepared by a bank
employee or nonappraiser
5=Automated
Valuation Model
“AVM”
6=Unknown
7=TAV – tax
assessed value

Character(1)

YYYYMMDD

YYYYMMDD
126

Line
Item
No.
82
83

Line Item
Name
Date
Escrow
Amount
Current
(Retired
March 2013)
Loan Purpose
Coding

Remaining
Term

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

M268
M161

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

M198

Report the remaining term of the loan in months.

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

In the case of commercial loans, report commercial demand

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
Whole Number

Character(1)

Whole Number

127

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Format, Line
Item Length

loans with a value of NULL ,
Bankruptcy
Chapter

M195

Accrual
Status

M957

Foreclosure
Suspended

M204

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
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

Allowed Values

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 certified appraiser and must
involve both interior and exterior inspections of the subject
property by a licensed appraiser

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
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

Character(2)

Character(1)
Character(1)

Character(1)

128

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Limited Appraisal- Prepared by a certified appraiser that
obtains characteristics of the property without the licensed
appraiser performing a full interior and exterior inspection
Broker Price Opinion “BPO”-Prepared by a real estate broker or
agent
89

Loss
Mitigation
Performance
Status

M226

Desktop Valuation –Prepared by a bank employee or nonappraiser
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.
Applies to all loans regardless of workout type (Line item 61
Workout Type Completed/Executed)

Allowed Values

Format, Line
Item Length

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

Character(1)

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

129

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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)

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

Character(1)

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

91
92

Reason for
Default
Third Party
Sale Flag

Note:
The modification action type categories already captured are
71 (Rate Reduction), 72 (Term Modification), 73 (Principal
write-down), 57 (Capitalization), 58 (Interest Rate Frozen), 59
(Principal Deferred). If the loan was modified and none of these
categories reflect how the loan was modified, this line item
should be “Y”; otherwise, it should be “N.
M941

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

130

Line
Item
No.

Line Item
Name

Loss/Write
down
Amount

MDRM
(CCHE)

M241

Detailed Description

Allowed Values

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.

sold to a third party
at foreclosure sale

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.

e.g., 125000 for
$125,000.00

Format, Line
Item Length

Whole Number

can be a positive or
a negative value

The Loss/Write-down field should be reported as the total of all
principal, interest, receivables, or accruals that are deemed
uncollectible and charged-off against the Allowance for Loan
and Leases Losses in the reporting month.
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
negative value.
If multiple write-downs occurred in a given month, report the
total amount of write-downs for that month.

131

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Loss/Write
down Date

M947

Unpaid
Principal
Balance (Net)

M960

Detailed Description
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 or IHC 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
SOP-03-03 purchase accounting marks. The Net UPB value
from the accounting system may include other adjustments like
late fees, annual HELOC fees, deferred costs due to broker
commissions and origination costs that have been capitalized
for the life of the loan, etc. BHCs and IHCs should provide
whatever net balance is available in their accounting systems
and not back out any other adjustments they may have made.
Net UPB is rounded to the nearest dollar. If Net UPB is
unknown because the loan is Serviced for Others or for any

Allowed Values

Format, Line
Item Length

YYYYMMDD

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

Whole Number

132

Line
Item
No.

96
97

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

other reason, this value should be left blank. This value should
equal the book value on regulatory filings.
Performance
of First Lien
(Retired June
2016)
Ever 90+
DPD in the
Past 12
months

M961
M950

NOTE: PCI loans will not include ASC 310-30 marks for this
item.

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

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 or IHC subsidiary that
is servicing the loan. If the loan is a commercial loan secured by 1 = FRB
residential real estate loans, report the Federal Regulator of the 2 = OCC
entity servicing the commercial loan.
3 = FDIC
Example: The ‘Entity Serviced’ should be segmented out by the
entities within the BHC or IHC. 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 or IHC that is
not a federally insured bank, then the ‘Entity Serviced’ is FRB
(code value = 1).

Character(1)

133

Line
Item
No.
99

Line Item
Name
Total Debt at
Time of any
Involuntary
Termination

MDRM
(CCHE)
M235

Detailed Description
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 year’s interest
charged-off at non-accrual status). This field will be used
primarily for loans in private securitizations and should
capture any interest that was passed through to investors,
while the loan was non-performing, that would have to be
recouped from the proceeds of a property sale before applying
those proceeds to recovery of principal.;

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

Format, Line
Item Length
Whole Number

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. 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.

134

Line
Item
No.
100

Line Item
Name
Net Recovery
Amount

MDRM
(CCHE)
M236

Detailed Description
Report the cumulative recovery amount at the time the loan
terminates. For first lien, this is computed as sales price net of
costs of sales (e.g., sales commissions and buyer concessions.)

For junior lien the value is the amount recovered on the loan.
For junior liens, termination may not coincide with property
sale but rather when the loan stops being reported on the
servicing system. If the loan continues to be reported post-sale
then it could include recoveries after the sale of the property.

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

Whole Number

Use Field #99 to record the total debt. If the loan is not totally
charged off, use Field #100 Net Recovery Amount to record any
recoveries on the loan at termination. If the recovery amount is
unknown at the time the loan is last reported, leave the net
recovery amount NULL.
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

Sales Price of
Property

M948

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 or IHC in the case of involuntary termination. If a
loan has been charged off and coded as an involuntary
termination then report a 0 (zero) for the sales price of the
property. Provide the same price as the BHC or IHC would
submit to public records data.
In cases in which the home equity lender decides not to pursue

135

Line
Item
No.

102

103

104

105

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

recourse to the property collateral, or charges off a loan
completely, report a 0 (zero) for this field.
Commercial
Loan Flag

M951

Probability of
Default – PD

M114

Loss Given
Default – LGD

Expected
Loss Given
Default –
ELGD

M115

M116

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.

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,
report the PD associated with the account’s corresponding
segment.
Note: Applicable only to firms subject to the advanced
approaches rule. This item is required for BHC or IHC-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 or IHC-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

0 = No. This loan is Character(1)
not a CRE or
commercial
business purpose
loan.
1 = Yes. This loan is
a CRE or
commercial
business purpose
loan.
A one in ten
Numeric, up to 5
probability of
decimals
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
136

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

be left blank.

If the BHC or IHC generates this field, they are required to
report it. ELGD is an input into the LGD calculation.

106

107

Exposure at
Default – EAD

Entity Type

M117

M952

For ELGD, report the BHC’s or IHC’s empirically based best
estimate of the long-run default-weighted average economic
loss, per dollar of EAD, the BHC or IHC would expect to incur if
the obligor (or a typical obligor in the loss severity grade
assigned by the bank to the exposure or segment) were to
default within a one-year horizon, which is a floor for the Basel
risk parameter LGD under the Rule. If the BHC or IHC does not
capture this field, then leave it blank.
Note: Applicable only to firms subject to the advanced
approaches rule. This item is required for BHC or IHC-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 or IHC-owned
loans only.
Abbreviations:
LEQ: Loan-equivalent-exposure
CCF: Credit Conversion Factor
Report the registered entity type of the BHC or IHC subsidiary
that owns the reported loan. If the loan is not owned by the
BHC or IHC or its subsidiaries, report the entity type as ‘Other.’

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

Whole Number

1 = National Bank
2 = State Member
Bank

Whole number
137

Line
Item
No.

Line Item
Name

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
Vendor

MDRM
(CCHE)

R038

Detailed Description

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
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.

Allowed Values
3 = Nonmember
Bank
4 = State Credit
Union
5 = Federal Credit
Union
6 = Non-bank
Subsidiary
0 = Other
Y= Yes
N = No

Format, Line
Item Length

Character(1)

1=FICO
2=VantageScore
3=Other

Character(1)

Text String

Character(30)

1=FICO
2=VantageScore
3=Other

Character(1)

138

Line
Item
No.
112
113

114

Line Item
Name
Current
Credit
Bureau Score
Version

MDRM
(CCHE)
R039

Current
Credit
Bureau Score
Date

S382

Serviced by
Others (SBO)
Flag

R622

115

Reporting As
of Month
Date

R623

116

Payment
Type at the
end of draw
period

R624

Detailed Description

Allowed Values

Format, Line
Item Length

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.

Text String

Character(30)

YYYYMMDD

Indicates the servicer of the loan.

Y-Yes
N-No

Character(1)

Indicate the reporting as of month date.

YYYYMM

Report how borrowers are required to repay any principal
outstanding at the end of the Allowable Draw Period

1=
Balloon: Outstandin
g principal is
immediately due at

Character(1)

This field must be updated at least one month within the
quarter, and refreshed at least one month within every
subsequent quarter.

If the loan is serviced by entities other than the BHC or IHC or
its subsidiary, use a code of Y.

If the loan is serviced by the BHC or IHC or its subsidiary, use a
code of N.
Note: This field will generally be consistent with the
AS_OF_MON_ID used in the file naming convention. However,
loans that are flagged as SBO loans may have a different
reporting as of date. Use this field to code the reporting as of
date for all loans.

139

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

the end of the
Allowable Draw
Period.
2=
Amortizing: Borro
wers are required
to make payments
that amortize the
outstanding
principal over the
remaining term of
the loan.
3 = Interest
only: Borrowers
are allowed to
make interest-only
payments over the
remaining term,
with any
outstanding
principal due at the
end of term.
4 = Other
repayment method.

140

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. This field should capture
the lifetime loss/write down at time of liquidation or payoff.

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.

141

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 or IHCs 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 and IHCs will use this naming convention to send the data files to
the data aggregator.

FRY14_ADDRESSMATCH___.TXT

SUBMISSION_NUMBER will be used to track revisions and resubmissions of this schedule. It must be
populated as a two-digit number. For example, the first submission for a given period would have a
submission number of ‘01.’ If the BHC or IHC has to resubmit the same file, then use ‘02’ for the next
submission, and so on.
In the case of the Address Matching Schedule, BHCs and IHCs 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
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.

142

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 or IHC 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 or IHC
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 or IHC 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)

143

Line
Item
No.
3

Line Item Name

MDRM
(CCAM)

Property City

9130

Property State

9200

Property ZIP
Code

9220

Mailing Street
Address

9110

Mailing City

F206

Mailing State

F207

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.

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.

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.
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)

144

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)

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)

145

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)

146

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. If the commercial credit card account is
delinquency managed or scored then report as a business card. For commercial credit card accounts
with no individual liability and, performance not reported to credit bureaus and over $1 million in
committed balances then report on the FR Y-14Q Corporate Loan Schedule. Report at the control
account level or the individual pay level (not at the sub-account level). This includes SME credit card
loans that are those reported on the FR Y-9C, Schedule HC-C, item 4.a, and domestic business cards
reported in other FR Y-9C lines.
d. Corporate Credit Cards: Employer-sponsored credit cards for use by a company's employees. If the
commercial card account is classifiably managed, and either there is any individual liability or
performance is reported to a credit bureau then report as a corporate card. This includes US
corporate credit card loans that are those reported on the FR Y-9C, Schedule HC-C, item 4.a, and
domestic corporate cards reported in other FR Y-9C lines.
e. Other: Other cards accounts to consumers, small business, or corporations reported in the FR Y-9C
in line items not represented above. Please do not include home equity lines of credit or other
revolving consumer loans other than credit cards.
Do not report data from international cards but include domestic cards, as defined by the FR Y-9C glossary
entry for “domestic offices”.
For all variables reported please report as blank if information is missing or unknown. Also, if a line item
does not apply to the loan, the line item should be left blank.
Account and loan-level files should sum up to the portfolio level. An amount, zero or null (be left blank)
should be entered for all items, except in those cases where other options such as “not available” or “other”
are specified. If information is not available or not applicable and no such options are offered, the line item
should be left blank. If the totals from the loan level are not equal to the totals from the portfolio level, BHCs
and IHCs should provide explanations.
Avoid account duplications.
For account level variables representing monetary value please use the U.S. Dollar ($) as the reporting
monetary unit.
For portfolio level variables representing monetary value please use millions of dollars ($ Millions) as
the reporting monetary unit.
147

FR Y-14M

•

•
•
•

•
•

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. Closed accounts with balances that need to be
repaid should continue to be reported beyond twelve months until full repayment or fully charged 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.

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.

148

FR Y-14M

D.1 Loan Level Table
Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Reference
Number

ReferenceNumbe
r

M046

Customer ID

CustomerId

M047

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. A
customer with multiple accounts should have
only one customer ID. 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.

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C:
Character
C18

Mandatory

C18

149

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

3
4

Bank ID
Period ID

BankId
PeriodId

9001
9999

State

AccountState

M048

Zip Code

AccountZipCode

M049

Description

Report the RSSD ID of the BHC or IHC.
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.
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. If the billing address is in a
foreign country, report blank.
Data Format should include leading zeroes
WITH NO DASHES, e.g., 00901 and
101015271.

Static or
Dynamic

Mandatory
or Optional

S
D

Mandatory
Mandatory

Mandatory

Format
N: Numeric
C:
Character
N10
Date
YYYYMMDD

150

FR Y-14M

Line
Item
No.
7

Line Item
Name
Credit Card
Type

Technical Line
Item Name
CreditCardType

MDRM
(CCRS)
M050

Description

Report each account in one of the following
categories:

1 = General Purpose - can be used at a wide
variety of merchants, including any who
accept MasterCard, Visa, American Express
or
Discover credit cards. Include affinity, cobrand cards in this category, and student
card if applicable.
2 = Private Label - also known as
Proprietary Credit Cards, are tied to the
retailer issuing the card and can only be
used in that retailer's stores. Include oil &
gas cards in this loan type, and student
cards if applicable.
3 = Business Card - Include small business
credit card accounts where the loan is
underwritten with the sole proprietor or
primary business owner as applicant.
Report at the control account level or the
individual pay level (not at the sub-account
level).
4 = Corporate Card -Employer-sponsored
credit cards for use by a company's
employees. Report cards 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 Y14Q corporate loan schedule.

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C:
Character
N1

151

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Product
Type

ProductType

M051

Lending
Type

LendingType

M052

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

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 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

152

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

153

FR Y-14M

Line
Item
No.
10

Line Item
Name

Revolve
Feature

Technical Line
Item Name

RevolveFlag

MDRM
(CCRS)

M053

Network ID

NetworkId

M054

Secured
Credit
Type

CreditCardSecure
dFlag

M055

Loan
Source/Chan
nel

LoanChannel

M056

Description

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

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 -

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

154

FR Y-14M

Line
Item
No.

Line Item
Name

SOP-03-03
flag

Technical Line
Item Name

SOP0303Flag

MDRM
(CCRS)

M234

Description

unsolicited accounts based on a
customer completing an internet,
magazine insert or event marketing
application.
1 = Pre-approved - accounts originated
under a program where the issuer solicits a
list of potential customers to which it will
make an offer of credit.
2 = Invitation to Apply "ITA" - accounts
originated based on a solicitation that
required a customer to undergo a full credit
review prior to approval.
3 = Take-One Branch application –
unsolicited accounts based on customer
completing an application obtained at bank.
4 = Accounts Purchased from a 3rd Party –
accounts added as a result of portfolio
acquisition or mergers. Do not include here
if already included in one of the above
channels.
5 = Other loan source known and not
included in 0– 4 above.
6 = Loan source unknown.
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

155

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

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.
15

Cycle Ending
Balance

CycleEndingBala
nce

M058

Cycle Ending
Balance Flag

CycleEndingBala
nceFlag

M059

Accounts
Under
Promotion

PromotionFlag

M060

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
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.

156

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

Exclude accounts that have been offered or
are eligible for a promotion but have not
accepted the promotion.
18

Cycle Ending
Balances
Mix Promotio
nal

CycleEndingBala
ncePromotional

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.

Cycle Ending
Balances
Mix Cash

CycleEndingBala
nceCash

M062

Cycle Ending
Balances
Mix Penalty

CycleEndingBala
ncePenalty

M063

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

157

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Cycle Ending
Balance
s Mix Other

CycleEndingBala
nceOther

M064

Average
Daily
Balance
(ADB)
Total
Reward Cash

AverageDailyBala
nce

M065

TotalRewardCash

M066

Description

date.
Report all other balances outstanding at the
end of the current month's cycle ending
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

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

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

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
negative values as‐is.

Reward
Type

RewardType

Account
Cycle
Date

AccountCycleEnd
Date

M067

M068

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. For accounts that cycle more than
one time during the reporting month report
the last cycle information for the reporting
month. All data elements related to
account balances and status should be as of
the last cycle end date; all data elements
related to account activities and fees should
be aggregated from the last reporting cycle

159

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Account
Origination
Date

AccountOriginati
onDate

M069

Acquisition
Date

AcqDate

M070

Multiple
Banking
Relationship
s

MultipleBanking
RelationshipFlag

M071

Description

end date in the previous FR Y-14M month
to the current reporting cycle end date in
the current FR Y-14M 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
relationships with the bank. Insurance
and safety box are not considered as a
banking relationship in this schedule
and should not be considered in
reporting for this line item.
1 = Deposit
2 = Trust or investment account
3 = Mortgage

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Date
YYYYMMDD

Mandatory

Date
YYYYMMDD

Mandatory

160

FR Y-14M

Line
Item
No.

31
32

Line Item
Name

Multiple
Credit
Card
Relationship
s
Joint
Account

Technical Line
Item Name

MultipleCardRela
tionshipFlag
JointAccount

Authorized
Users
Flagged as
Securitized

AuthorizedUsers

Borrower's
Income at
Origination

BorrowerIncome

SecuritizedFlag

MDRM
(CCRS)

M072

M073

M074
M075

M076

Description

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
(annualized if monthly income was

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12

Mandatory

161

FR Y-14M

Line
Item
No.

35
36

37
38

Line Item
Name

Income
Source at
Origination

Updated
Borrower’s
Income
Updated
Income
Source

Date
Refreshed
Income
Obtained
Originatio
n Credit
Bureau
Score for

Technical Line
Item Name

BorrowerIncome
Type

UpdatedBorrowe
rIncome
UpdatedBorrowe
rIncomeType

MDRM
(CCRS)

M077

M078
M079

DateUpdatedBorr
owerIncome

M080

OriginalCreditSco
rePrimaryBorro
wer

M081

Description

provided). For business credit cards the
business income should be used.
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Optional

N12

Optional

Mandatory

Date
YYYYMMDD
N3

162

FR Y-14M

Line
Item
No.

Line Item
Name
the
primary
account
holder

Technical Line
Item Name

MDRM
(CCRS)

Description

credit bureau score, see general
instructions, section H). Report the credit
score name in 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

163

FR Y-14M

Line
Item
No.

Line Item
Name

Origination
Credit
Bureau
Score for
the coborrower
(if any)

Refreshed
Credit
Bureau Score

Technical Line
Item Name

OriginalCreditSco
reCoborrower

RefreshedCreditS
corePrimaryBorr
ower

MDRM
(CCRS)

M082

M083

Description

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 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).

A co-borrower is a person who jointly
borrows using the credit card and is
responsible for repayment of the loan. The
primary borrower will receive a credit card
to make charges but the co-borrower may
or may not receive a credit card.
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

164

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

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 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.
For Small Business Cards, provide the score
for the proprietor or primary business

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

165

FR Y-14M

Line
Item
No.

41
42
43

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Credit
Bureau
Score
Refresh Date

CreditScoreRefre
shDate

M084

Behavioral
Score

BehavioralScore

M085

Original
Credit
Limit

OriginalCreditLi
mit

M086

Description

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.
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.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Date
YYYYMMDD

Optional

N10.6

Mandatory

N12.2

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

166

FR Y-14M

Line
Item
No.
44

Line Item
Name

Current
Credit
limit

Technical Line
Item Name

CurrentCreditLim
it

MDRM
(CCRS)

M087

Description

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. For closed
accounts, report the last known credit
limits. If unknown, leave blank.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

N12.2

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.
45
46

Current Cash
Advance
Limit
Line Frozen
in the

CurrentCashAdva
nceLimit
LineFrozenFlag

M088
M089

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

167

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

N12.2

prohibited on the account in the current
reporting month.

current
month
47

Description

Line
Increase or
Decrease in
the
current
month

LineIncreaseDecr
easeFlag

Minimum
Payment
Due

MinimumPaymen
tDue

M091

Total
Payment
Due

TotalPaymentDu
e

M092

M090

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 Y9C 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 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.

168

FR Y-14M

Line
Item
No.
50
51

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Next
Payment
Due Date

NextPaymentDue
Date

M093

ActualPaymentA
mount

M094

Total Past
Due

TotalPastDue

M095

Actual
Payment
Amount

Days Past
Due

DaysPastDue

M096

Account 60

Account60PlusDP

M097

Description

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 non-sufficient funds,
account closed, etc. (even if related to prior
cycles). If a statement was not generated or
a payment was not made, report as zero.
Include in this line item payments made on
an account secured by a collateral deposit
where the payment funds are withdrawn
from the collateral account.
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

Mandatory

N12.2

Mandatory

Format
N: Numeric
C:
Character
Date
YYYYMMDD
N12.2

169

FR Y-14M

Line
Item
No.

Line Item
Name
Plus
DPD Last
Three
Years Flag
Interest
Type in
current
month

Technical Line
Item Name

MDRM
(CCRS)

DLastThreeYears
Flag
InterestType

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N6.3

Mandatory

Days Past Due in the last 3 years.
M098

APR at Cycle
End

CycleEndingRetai
lAPR

M099

FeeType

FeeTypeFlag

M100

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

170

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

Month-end
Account
Status Active

MonthEndActive
Flag

Month-end
Account
Status Closed

MonthEndClosed
RevokedFlag

MDRM
(CCRS)

M101

M102

Description

1 = Annual
2 = Monthly
3 = Other
Report whether the account has had any
debit, credit, or balance activity in the last
twelve months at month end.

0 = Open & Active – account is open and has
had debit, credit or balance activity in the
last twelve 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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

171

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

charged‐off.
1 = Yes, closed, at the request of the
borrower.
2 = Yes, closed, not at the request of the
borrower.
3 = Yes, closed, borrower deceased.
4 = Yes, closed due to charge off.
60
61

Collection
Re-age
Date

Charge-off
Reason

CollectionReageD
ate
ChargeOffReason
Code

M103
M104

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

172

FR Y-14M

Line
Item
No.

Line Item
Name

Gross
Charge-off
Amount –
Current
Month

Recovery
Amount
– Current
Month

Technical Line
Item Name

GrossChargeOffIn
CurrentMonthAm
ount

RecoveryAmount

MDRM
(CCRS)

M105

M106

Description

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. Report all gross
charge-offs, including those related to
acquired impaired loans. Value will only be
populated in the month charged-off.
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.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

N12.2

173

FR Y-14M

Line
Item
No.

64
65
66
67
68

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Purchase
Amount
Cash
Advance
Amount
Balance
Transfer
Amount
Convenience
Check
amount
Account Sold
Flag

PurchaseVolume

M107

BalanceTransferV
olume

M109

Bankruptcy
Flag

BankruptcyFlag

CashAdvanceVol
ume

ConvenienceChec
kAmount
AccountSoldFlag

M108

M110
M111

M112

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

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.

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.
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

Mandatory

N12.2

Mandatory

N12.2

Mandatory

174

FR Y-14M

Line
Item
No.
70

Line Item
Name

Loss sharing

Technical Line
Item Name

LossShare

MDRM
(CCRS)

M113

Probability of
Default - PD

Basel2PD

M114

Loss Given
Default LGD

Basel2LGD

M115

Expected
Loss Given
Default ELGD

Basel2ELGD

M116

Description

0 = No
Report accounts that are part of a loss
sharing agreement, as defined in the FR Y9C, 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
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Optional

N6.5

Optional

N6.5

Optional

N6.5

175

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Exposure at
Default EAD

Basel2EAD

M117

EAD id
segment

Basel2EADid

M118

Corporate ID

CorporateID

N031

Description

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.
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.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Optional

N12.2

Optional

Mandatory

C18

176

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Variable
Rate
Index

InterestRateInde
x

N032

Variable
Rate
Margin
Maximum
APR

InterestRateMarg
in

6271

Rate Reset

RateResetFreq

N034

MaxAPR

N033

Description

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
applying to purchase APR and cash APR)
allowed for the account during the
reporting month. Such maximum APR is
stipulated in the account agreement or set
by the regulatory limit that BHCs or IHCs
may charge a consumer. For accounts
where the maximum APR is unknown or
the account is a fixed rate account, this field
should be left blank.
Report the frequency for resetting the APR.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N6.3

Mandatory

N6.3

Mandatory

177

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

N6.3

Mandatory

N6.3

Mandatory

Resetting the APR refers to the contractual
frequency at which APRs are reset for
variable rate APR credit cards. Rate resets
that occur as a result of promotional offer
should not be included in this item. If the
BHC or IHC does not have a reset schedule,
report option 6.

Frequenc
y

Promotional
APR

PromotionalAPR

N035

Cash APR

CashAPR

N036

Loss Share
ID

LossShareId

N037

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

178

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

generated for each active sharing
agreement. The specific ID should be
consistent over time for as long as the
agreement remains active without a
relevant change in the terms of the loss
sharing agreement.

The institution should also provide a
written summary of the relevant terms of
each loss sharing agreement along with
the corresponding LossShareId number.
Additional supporting documentation
may be requested if necessary.
84

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.

2 = Report the number two if the account
is associated with a loss sharing
agreement that is too complex to be

179

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Other
Credits

OtherCredits

N039

Cycles Past
Due at
Cycle
Date
Cycles Past
Due at
MonthEnd
Finance
Charge
(Effective for
submission
of
June 2013
data)
Fees

AccountCycleEnd
Delinquency

N129

AccountMonthEn
dDelinquency

N130

FinanceCharge

N131

FeeNetLateAmou

N132

87
88

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

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

Mandatory

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

Report the net late fees assessed for late or

Mandatory

N12.2

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) 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

180

FR Y-14M

Line
Item
No.

90
91
92
93
94

Line Item
Name
Incurred Late
Fees
Incurred Over
Limit
Fees
Incurred NSF

Fees
Incurred Cash
Advance
Fees
Incurred –
Monthly/
Annual
Fees
Incurred Debt
Suspensio
n

Fees
Incurred –
Balance
Transfer

Technical Line
Item Name
nt

MDRM
(CCRS)

FeeNetOverLimit
Amount

N133

FeeNetNSFAmou
nt

N134

FeeNetCashAdva
nceAmount

N135

FeeNetMonthlyA
nnualAmount

N136

FeeNetDebtSuspe
nsionAmount

N137

FeeNetBalanceTr
ansferAmount

N138

Description

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.

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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

N12.2

Mandatory

N12.2

Mandatory

N12.2

Mandatory

N12.2

Mandatory

N12.2

181

FR Y-14M

Line
Item
No.
96
97

Line Item
Name
Fees
Incurred Other

Debt
Suspension
/Cance
llation
Program
Enrollment
Debt
Suspension
/Cance
llation
Program
Active
Cycle-end
Account
Status Active

Technical Line
Item Name
FeeNetOtherAmo
unt

MDRM
(CCRS)
N139

DebtWaiverProgr
amEnrolFlag

N140

DebtWaiverProgr
amActiveFlag

N141

CycleEndActiveFl
ag

N142

Description

Static or
Dynamic

Mandatory
or Optional

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

Format
N: Numeric
C:
Character
N12.2

Mandatory

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.

Mandatory

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

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

182

FR Y-14M

Line
Item
No.

100

Line Item
Name

Cycle-end
Account
Status Closed

Technical Line
Item Name

CycleEndClosedR
evokedFlag

MDRM
(CCRS)

N143

101

Skip-apayment

SkipaPaymentFla
g

N144

102

Credit Card
Workout
Program

WorkoutProgram
Flag

N145

Description

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. If
the account does not cycle in the current
month report the last known status.
0 = No, the account is not closed and not
charged‐off.
1 = Yes, closed, at the request of the
borrower.
2 = Yes, closed, not at the request of the
borrower.
3 = Yes, closed, borrower deceased.
4 = Yes, closed due to charge off.
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

183

FR Y-14M

Line
Item
No.

103

Line Item
Name

Workout
Program
Type

Technical Line
Item Name

WorkoutProgram
Type

MDRM
(CCRS)

N146

Description

Report “No” if the BHC or IHC 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. Leave blank if the
account did not enter into any type of
workout program or the BHC or IHC does
not offer workout option.

1 - External Program - a permanent
external program, often administered by
a Consumer Credit Counseling Service
(CCCS).
2 - Internal Long-Term Program - an
internal program where terms have been
modified and the account holder is paying
off outstanding balances over an
extended period. Include all programs
with enrollment durations in excess of 12
months.
3 - Internal Temporary Programs - an
internal program where terms are
temporarily modified, not to exceed 12
months, in recognition of short term
hardship.
4 - Settlement Programs - an agreement
where the lender will accept less than the
full balance outstanding to satisfy and close
the account.
5 - Other - any other workout arrangement.
6 - Not Applicable – includes Service

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

184

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

members Civil Relief Act (SCRA) programs
104

Workout
Program
Perform
ance
Status

WorkOutProgra
mPerformanceSt
atus

N147

Leave blank if the BHC or IHC 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. Leave blank if
the account did not enter into any type of
workout program or the BHC or IHC does
not offer workout option.

1 - Active and Performing - the
borrower is performing as scheduled
under the terms of an executed
workout program. Include in this
option accounts in a settlement
program, reported in line #103 as
option 4.
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.

185

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

105

Settlement
Portion
Forgiven

SettlementPortio
nForgivenAmoun
t

N148

106

Customer
Service
Re-age
Date

CustomerService
ReageDate

N149

107

Principal
Chargeoff
Amount –
Current
Month

PrincipalChargeO
ffInCurrentMonth
Amount

N150

Description

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 or IHC 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 nonperformance issue.) Customer service reages 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

Static or
Dynamic

Mandatory
or Optional

Mandatory

Date
YYYYMMDD

Mandatory

N12.2

Format
N: Numeric
C:
Character
N12.2

186

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

Charge-off Amount – CurrentMonth.
108

Fraud in the
current
month

FraudFlag

N151

109

Original
Credit
Bureau
Score
Name

OriginalCreditSco
reName

N152

110

Refreshed
Credit
Bureau
Score

RefreshedCreditS
coreName

N153

Value will only be populated in month
charged-off.
Report whether the account is currently
frozen due to potential fraud or has been
closed for cause at the conclusion of a fraud
investigation month.
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

187

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Name

111
112

Behavioral
Score
Name/Ve
rsion
Credit Limit
Type

BehavioralScore
NameVersion

N154

CreditLimitType

N155

Description

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
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.

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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Optional

C30

Mandatory

188

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

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
relationship credit limit.
113

114
115

Credit Line
Change
Type

Date CoBorrower
Was Added
Entity Type

CreditLineChange
Type

CoBorrowerAddD
ate
EntityType

N156

N157

M952

1 = Purchase Limit
2 = Shadow Limit
Report the line change reported in line item
47 as proactive (bank-initiated) or reactive
(borrower request). Pre-qualified offers
sent by the bank where the customer must
take action to accept the offer should be
reported as bank-initiated.

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 or
IHC that owns the reported loan.

Mandatory

189

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

116
(Effecti
ve for
submis
sion of
June
2014
data)

Origination
Credit
Bureau
Score
Version

OriginalCreditScor
eVersion

R037

Refreshed
Credit
Bureau
Score
Version

RefreshedCreditSc
oreVersion

R039

118
(Effecti
ve for
submis
sion of
June

Internal
Origination
Credit Score
Flag

InternalOrigScore
Flag

R040

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

Description

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
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

C30

Mandatory

C30

Mandatory

190

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

2014
data)
119
120

121

Internal
Origination
Credit Score
Value
Internal
Refreshed
Credit Score
Flag

InternalOrigScore
Value

R041

InternalRefrScore
Flag

R042

Internal
Refreshed
Credit Score
Value

InternalRefrScore
Value

R043

Description

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
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

Mandatory

N6.3

191

FR Y-14M

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

Line Item
Name
BankId
PeriodId

Credit Card
Type

Technical Line
Item Name
BankId (PK)
PeriodId (PK)

CreditCardType (PK)

MDRM
(CCRS)
9001
9999

M050

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).

Static or
Dynamic
S
D
D

Mandatory
or Optional
Mandatory
Mandatory
Mandatory

Format
N: Numeric
C: Character
C18
Date
YYYYMMDD
N1

192

FR Y-14M

Line
Item
No.

Line Item
Name

Lending
Type

Technical Line
Item Name

LendingType(PK)

MDRM
(CCRS)

M052

Description
4 = Corporate Card -Employersponsored credit cards for use by a
company's employees.
Report portfolio level information in
one of the following
categories:

1 = Consumer Bank Card - Regular
general purpose credit cards that can
be used at a wide variety of
merchants, including any who accept
MasterCard, Visa, American Express
or Discover credit cards. Include
affinity and 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

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C: Character

N
1

193

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

End of
Month
Managed
Receivables

MonthEndManagedRe
ceivables

M119

End of
Month
Book
Receivables

MonthEndBookReceiv
ables

M120

Description
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
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4

194

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Number of
Accounts

NumberAccount

M121

Total
Number of
New
Accounts
ALLL
Managed
Balance

NumberNewAccounts

M122

ALLLManagedBalance

M123

ALLL
Booked
Balance
Projected
Managed

ALLLBookedBalance

M124

10
11

Static or
Dynamic

Mandatory
or Optional

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.

Description

ProjectedManagedLos
ses

M125

Report total receivables of the booked
accounts.
Report in millions the total number of
non-charge-off accounts as of the
reporting month. The number of
accounts included in this item should
correspond to the balance numbers
reported in fields #5
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

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

195

FR Y-14M

Line
Item
No.

12
13

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Losses
Projected
Booked
Losses

Managed
Gross
Charge- offs
for the
current
month

ProjectedBankowned
Losses

M126

ManagedGrossCharge
Offs

M127

Booked Gross
Charge-offs
for the
current
month

OnBalanceSheetGross
ChargeOffs

M128

Managed
Bankruptcy
Charge-off
Amount for
Current
Month
Booked
Bankruptcy
Charge-off

ManagedBankruptcyC
hargeOffAmount

M129

OnBookBankruptcyCh
argeOffAmount

M130

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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4
196

FR Y-14M

Line
Item
No.

17
18
19
20
21
22

Line Item
Name
Amount for
Current
Month
Managed
Recoveries

Technical Line
Item Name

MDRM
(CCRS)

ManagedRecoveries

M131

Booked
Recoveries

BookedRecoveries

M132

Managed
Principal
Recovery
Amount

ManagedPrincipalRec
overyAmount

M133

ManagedInterestReco
veryAmount

M134

BookedPrincipalReco
veryAmount

M135

BookedInterestRecov
eryAmount

M136

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

Description
bank owned receivables.

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.
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.
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.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

197

FR Y-14M

Line
Item
No.
23

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Interest and
Fees Chargeoff/Reversal
Amount

InterestAndFeeCharg
eOffAmount

M137

Loan Loss
Provision
Expense

LoanLossProvisionEx
pense

M138

Loan Loss
Provision
Taken

ProvisionExpenseTak
en

M139

Loan Loss
Provision
Build

ProvisionExpenseBuil
d

M140

Description
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.

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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character
N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

198

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Extraordinary ExtraOrdinaryItems
Items

M141

Interest
Expense

InterestExpense

N158

TotalNonInterestExpe
nse

N159

RewardsExpense

N161

30
31

Static or
Dynamic

Mandatory
or Optional

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).

Description

Total NonInterest
Expense
Total NonInterest
Expense Interchange
Expense
Total NonInterest
Expense Rewards/Re

InterchangeExpense

N160

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

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4

Report the interchange expense fees
paid to the card associations.

Mandatory

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

Mandatory

N12.4

Mandatory

N12.4

199

FR Y-14M

Line
Item
No.
32
33

Line Item
Name
bates
Expense
Total NonInterest
Expense Collections
Expense
Total NonInterest
Expense Fraud
Expense
(Effective
for
submission
of June 2013
data)
Total NonInterest
Expense - All
Other
Expenses
Interest
Income

Technical Line
Item Name

MDRM
(CCRS)

CollectionsExpense

N162

FraudExpense

N163

OtherNonInterestExp
ense

N164

InterestIncome

N165

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Report costs incurred to collect
problem credits. Include the total
collection cost for delinquent, recovery,
and bankrupt accounts.

Mandatory

N12.4

Report losses incurred as a result of
fraudulent activity.

Mandatory

N12.4

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

Mandatory

N12.4

Mandatory

N12.4

200

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Fee Income

TotalFeeIncome

N166

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

LateFeeIncome

N167

BalanceTransferFeeIn
come

N169

38
39
40
41

Fee Income Convenience
Check Fee
Fee Income Cash Advance
Fee
(Effective for
submission
of June 2013

OverLimitFeeIncome

ConvenienceCheckFee
Income
CashAdvanceFeeInco
me

N168

N170
N171

Description
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.
Report fees assessed for accounts going
over established credit limits.
Report fees assessed for transferring
balances from another source outside
the bank, such as another financial
institution's credit card to a credit card
at this bank.
Report fees assessed for the use of
checks provided to assess available
credit on the account.
Report fees assessed for cash advances
on the account.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

201

FR Y-14M

Line
Item
No.
42

Line Item
Name
data)
Fee Income NSF Fee
Fee Income Other Fee
Income

Technical Line
Item Name

MDRM
(CCRS)

NSFFeeIncome

N172

Interchange
Income
All Other
Non-Interest
Income

InterchangeIncome

N174

Taxes

N176

43
44

OtherFeeIncome

OtherNonInterestInco
me

N173

N175

Description

Report fees assessed for payments
returned unpaid.
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
card income.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

202

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