Form FR Y-14M FR Y-14M Capital Assessments and Stress Testing (Monthly)

Capital Assessments and Stress Testing Reports

FRY-14M_20210101_i

FR Y-14M

OMB: 7100-0341

⚠️ Notice: This form may be outdated.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

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Modified December 2020

OMB No. 7100-0341
Expiration Date: February 29, 2024

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

This Report is required by law: sections 102(a)(1) and 165 of the Dodd-Frank Act (12 U.S.C. §§ 5311(a)(1) and 5365),
section 5 of the Bank Holding Company Act (12 U.S.C. § 1844), section 401(a) and (e) of the Economic Growth,
Regulatory Relief, and Consumer Protection Act, and section 10(b) of the Home Owners' Loan Act (12 U.S.C. §
1467a(b)), as amended by section 369(8) and 604(h)(2) of the Dodd-Frank Act. Public reporting burden for this
information collection is estimated to average 1,072 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 .............................................................................................................................................................. 94

Schedule B: Domestic Home Equity Loan and Home Equity Line Data Dictionary ....................................................... 96
B.1 LOAN/LINE LEVEL TABLE ............................................................................................................................................................ 100
B.2 PORTFOLIO LEVEL TABLE ............................................................................................................................................................ 143

Schedule C: Address Matching Loan Level Data Collection ......................................................................................... 145
C.1 DATA TABLE ............................................................................................................................................................................. 146

Schedule D: Domestic Credit Card Data Collection Data Dictionary ............................................................................ 150
D.1 LOAN LEVEL TABLE .................................................................................................................................................................... 152
D.2 PORTFOLIO LEVEL TABLE ............................................................................................................................................................ 198

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),intermediate holding companies’ (IHCs), and covered savings and loan holding
companies’ (SLHCs) loan portfolios1, which will be used to support supervisory stress testing models and for
continuous monitoring efforts. The FR Y-14M report is comprised of three loan- and portfolio-level
collections, and one detailed address matching collection. These consist of Domestic First Lien Closed-end 14 Family Residential Loan, Domestic Home Equity, Address Matching, and Domestic Credit Card data
collections. The number of schedules a BHC, SLHC 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) with total consolidated assets of $100 billion or more, and
intermediate holding companies (IHCs) with total consolidated assets of $100 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. Covered SLHCs
with total consolidated assets of $100 billion or more, as defined by the Board’s rule on savings and
loan holding companies (12 CFR part 238), are required to submit the Capital Assessment and
Stress Testing report (FR Y14A/Q/M) to the Federal Reserve. The capital plan and savings and
loan holding company rules define 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, IHC’s or SLHC’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, IHC or SLHC has not filed an FR Y-9C for
each of the four most recent quarters, the average of the BHC’s, IHC’s or SLHC’s total
consolidated assets in the most recent consecutive quarters as reported quarterly on the
BHC’s, IHC’s or SLHC’s FR Y-9C should be used in the calculation. Firms are required to begin
submitting the the FR Y-14M the reporting period after the end of the quarter in which they
met the threshold. For example, if a firm crossed the $100 billion threshold on July 25 of a
given year, and met the threshold based on their FR Y-9C submission as of the end of the third
quarter, the firm would be required to first report the FR Y-14Q and FR Y-14A reports as of
December 31 of that year, and the FR Y-14M report as of December of that year. See “When to

Covered SLHCs are SLHCs that are not substantially engaged in commercial or insurance activities. See 12 CFR 217.2;
238.2(ee) (definitions of “covered savings and loan holding company”).
1

Report” for information regarding when the reports are to be submitted to the Federal
Reserve.
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, IHC or
SLHC must submit a specific data collection or data element.
For firms subject to Category IV requirements4: 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 firms subject to Category I, II, or III standards: 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, IHC’s or SLHC’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,IHCs and SLHCs also have the option to
complete the data schedules for immaterial portfolios.

B. Exemptions
BHCs,IHCs and SLHCs that do not meet the reporting criteria listed above are exempt from reporting.Where to

Submit the Reports
All bank, savings and loan, and intermediate holding companies subject to these reporting requirements must
submit their completed reports electronically. Bank, savings and loan, 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, IHCs and SLHCs 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)).

Category IV standards apply to firms with $100 billion or more in total consolidated assets that do not meet the criteria
for Categories I, II or III. Category I standards apply to firms that qualify as U.S. Global Systemically Important Banks
(GSIBs). Category II standards apply to firms with $700 billion or more in assets, or firms with $75 billion or more in
cross-jurisdictional activity and $100 billion or more in assets, that do not qualify as U.S. GSIBs. Category III standards
apply to firms with $250 billion or more in assets, or firms with $100 billion or more in assets and at least $75 billion in
(1) nonbank assets, (2) weighted short-term wholesale funding, or (3) off-balance sheet exposure, that are not subject to
Category I or II standards.
4

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.
Onboarding delays apply to institutions that have not previously submitted the FR Y-14 reports. 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 $100 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, IHCs and SLHCs 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,
IHCs and SLHCs 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', IHCs’ and SLHCs’ financial
condition and assessment of performance under stressed scenarios.
In June 2016, the Financial Accounting Standards Board (FASB) issued accounting standards update
(ASU) 2016-13 which introduced the current expected credit losses methodology (CECL) for estimating
allowances for credit losses and added Topic 326, Credit Losses, to the Accounting Standards Codification
(ASC). The new credit losses standard changes several aspects of existing U.S. GAAP. Firms must apply
ASU 2016-13 for FR Y-14 reporting purposes in accordance with the effective dates set forth in the ASU,
ranging from the first quarter of 2019 through the fourth quarter of 2022. As a result, the reporting of
information associated with ASU 2016-13 will begin with the FR Y-14 reports effective September 30,
2019, but would not be fully phased in and reflected on the reporting forms and instructions until the FR
Y-14 report for March 2022.
Institutions that have adopted CECL should also refer to Regulation YY, 12 CFR part 252, regarding the
requirement to reflect ASU 2016-13 for a given stress test cycle.

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, IHCs or
SLHCs 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,IHCs and SLHCs 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.
G. Legal Considerations for International Exposures
A BHC, IHC or SLHC is not required to report a particular data item if a foreign law prohibits the BHC or IHC
or SLHC from providing the information to the Federal Reserve. However, the Federal Reserve is
authorized by law to collect information from a BHC or IHC or SLHC regarding its exposures, including
foreign exposures.
A BHC, IHC or SLHC 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, IHC or SLHC 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, IHCs, and SLHCs should submit any questions or requests for interpretations by e-mail toto their
designated Reserve Bank contact .
I.

Attestation

For Bank Holding Companies, Savings and Loan Holding Companies, and Intermediate Holding Companies that
are subject to supervision by the Federal Reserve’s Large Institution Supervision Committee,9 the Capital
Assessments and Stress Testing (FR Y-14A/Q/M) data submissions must be accompanied by an attestation
signed by the chief financial officer or an equivalent senior officer. By signing the attestation cover page, 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 attestations should be submitted as follows:
 For those firms that file the FR Y-14M reports, the three attestations for the three months of the quarter
will be due on one date, the final FR Y-14M submission date for those three intervening months.10
 Note that one attestation page per monthly submission is still required.
 For the annual submission (data as-of December), the FR Y-14M attestation is combined with the other
annual reports and should be submitted on the annual submission due date.

A signed version of the attestation cover page and any supporting materials should be submitted
electronically in Intralinks and tagged with the attestation submission type and applicable report date.
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 that is available to all commercial
lenders. For example, FICO 08 and VantageScore 3.0 are commercially available credit scores, while
internally developed credit scores and custom scores tailored to a lender’s own portfolio and provided by
third parties are not commercially available credit scores.

http://www.federalreserve.gov/bankinforeg/large-institution-supervision.htm
For example, the attestation cover pages and any associated materials for the FR Y-14M reports with January, February,
and March as of dates will be due on the data due date for the March FR Y-14M.
9

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





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


The relevant loan population includes all loans directly held on the BHC’s, IHC’s or SLHC’s portfolio and
all loans serviced by the BHC or IHC or SLHC 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..
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.
o In the case of involuntary terminations, loans should be reported for up to 24 months following
termination, until the data on the specified fields: Line item #93 (Total Debt at Time of any
Involuntary Termination), Line item #94 (Net Recovery Amount), Line item # 95 (Credit
Enhanced Amount), and Line item #121 (Sales Price of Property) are available to report. If the
data are available sooner, the BHC/IHC does not have to continue reporting these loans in the
following months.
Starting with the March 2013 data submission, BHCs and IHCs are required to continue reporting data
on loans that 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,IHCs and SLHCs 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,IHCs and SLHCs will continue to report data on the loans that 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 or SLHC 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 or SLHC 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 or SLHC has been submitting different loan numbers for the same loan in the FR Y-14M collection
versus OCC data collection, the BHC or IHC or SLHC 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 that 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 or
SLHC 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. 11
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. In addition, 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.

Institutions that have adopted ASU 2016-13 should report Portfolio HFI Purchased Credit Deteriorated loans in this
segment.
11







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.
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,IHCs and SLHCs must use the following naming convention when submitting data files to the data
aggregator.
FRY14_FIRSTLIEN_LOANLEVEL___.TXT
FRY14_FIRSTLIEN_PORTFOLIOLEVEL___.TXT
SUBMISSION_NUMBER will be used to track revisions and resubmissions of this schedule. It must be
populated as a two-digit number. For example, the first submission for a given period would have a
submission number of ‘01.’ If the BHC or IHC or SLHC has to resubmit the same file, then use ‘02’ for the
next submission, and so on.
In the case of the First Lien Schedule, BHCs,IHCs and SLHCs 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

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

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.

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

Line Item
No.

Line Item Name

Loan Closing Date

MDRM (CCFL) Detailed Description

M143

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 or
SLHC should have unique loan
numbers across the entire
submission.
Loan Closing Date – Report the
date the loan originally closed.

Allowed Values

Format, Line
Item Length

YYYYMMDD

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

First Payment Date

M144

This line item will be used to
determine the loan’s vintage.
First Payment Date – Report the
date the borrower was scheduled
to make the first payment on the
loan, or first started making
payments on the loan.
This line item may be provided on
a best efforts basis for loans
serviced for others and loans
acquired through mergers and
acquisitions.

Line Item
No.
4

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Property State

9200

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

Two-letter postal codes for the
state.

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

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

Character(5)

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

Whole Number

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

Whole Number

Property ZIP Code

9220

Original Loan
Amount Disbursed

M147

Original Property
Value

M148

Original Loan Amount Disbursed
– Report the dollar amount of the
funds disbursed to the borrower
at the time of loan closing.
Amount of loan rounded to the
nearest whole dollar.
Original Property Value – Report
the property value in dollars at
the time the loan was originated,
defined as the lesser of selling
price or the appraised value of
the property securing the
mortgage at origination.

Format, Line
Item Length
Character (2)

Line Item
No.
8

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length
Numeric, to 2
decimals

Original LTV

M149

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%

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%

Numeric, to 2
decimals

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

Character (1)

This line item may be provided on
a best efforts basis for loans
serviced for others and loans
acquired through mergers and
acquisitions.
10

Income
Documentation

M151

Report how the borrower’s
income levels were documented
at time of origination.
• Full – The borrower provided
full verification of income levels
via W2, pay stubs, tax returns,
etc.; assets were verified; and

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

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
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:

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

The “Alt/Low - Lender” or "Stated
- Lender" categories should be
used for those situations in which
the BHC’s, IHC’s or SLHC’s
automated underwriting system
suggested to a particular
customer a low/no doc or stated
income loan.
“Alt/Low - Borrower” or "Stated Borrower" refers to situations in
which a borrower him/herself
requested a low/no doc loan or a
broker suggested one.

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

Whole Number

This line item may be provided on
a best efforts basis for loans
serviced for others and loans
17

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

Whole Number, e.g., 36, 42

Whole Number

acquired through mergers and
acquisitions.

Debt to Income
(DTI) Front-End at
Origination

Origination Credit
Bureau Score

M153

M154

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 Frontend DTI (PITI Housing Ratio) at
origination of the mortgage.
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.
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.

Whole Number
Provide as a whole number,
e.g.759

Line Item
No.
14

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Occupancy

M155

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

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

Credit Class

M156

Credit Class - Report the credit
class designation as Prime, Alt-A,
Non-prime, or Government
Owned as assessed at the time of
loan origination; it shall not
change over time.

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

Format, Line
Item Length
Character(1)

Character(1)

Please note that this is a servicerdefined line item.
Note: Many government
programs are constructed outside
the conventional market where
these definitions apply. Code
value '4' should be used for
government loans, since they are
difficult to classify within code
values 1-3.
These definitions should be
consistent across time periods
within a single FR Y-14M
submission and consistent across
multiple FR Y-14M submissions
over time.

Line Item
No.
16

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Loan Type

M157

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

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
or IHC or SLHC.

Format, Line
Item Length
Character(1)

A mortgage is considered
conventional for purposes of FR
Y-14M 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 Y-14M instructions for
the Loan Type field, then report a
value of ‘Y’ for Other.
• FHA Residential - Loans insured
by the Federal Housing
Administration
20

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

• VA Residential - Loans insured
by the Department of Veterans
Affairs
• Conventional without Private
Mortgage Insurance Conventional w/o PMI –
Mortgages with neither
government nor private mortgage
insurance
• CRA (Community Reinvestment
Act)
•FHA Project
•Conventional with Private
Mortgage Insurance Conventional with PMI – Nongovernment insured mortgages
insured by a private (nongovernment) insurer
• HUD 235 Loans
• Other
• Unknown

Line Item
No.
17

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Lien Position at
Origination

M158

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”.

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

Loan Source

M159

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.

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)

Character(1)

• Retail – Report all mortgages
originated through the reporting
institution’s retail, including
branch or internet, production
channel.
• Wholesale (Broker) - Report all
mortgages originated through the
reporting institution's
wholesale/broker production
channel. Report as broker
originated all third-party
originated loans where the bank
cannot distinguish between
broker and correspondent
originated.
• Correspondent - Mortgages
22

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

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.
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
23

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

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

Character(2)

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
private wealth management or
private banking division.
19

Product Type Current

M160

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.

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description
Fixed 30 – Fixed rate amortizing
loans with a 30-year loan term.
Also include fixed rate loans
where loan term is greater than
20 and less than 30 years.
Fixed 20 – Fixed rate amortizing
loans with a 20-year loan term.
Also include fixed rate loans
where loan term is greater than
15 and less than 20 years.

Allowed Values

Format, Line
Item Length

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

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

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

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.
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.
26

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

Loan Purpose Coding
1 = Purchase
4 = Rate / Term Refinance
5 = Cash-Out Refinance
6 = Other Refinance
7 = Home Improvement
8 = Debt Consolidation
9 = Education
A = Medical
R = Reverse Mortgage,
including Home Equity

Character(1)

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 that do not fall into any of
the categories listed above. An
example would be graduated
payment mortgages (GPMs).
20

Loan Purpose
Coding

M161

Report the purpose for the loan
origination. If the loan has
multiple purposes, report the
primary purpose.
Commercial real estate (CRE) or
commercial business purpose
loans collateralized by 1-4 family
residential mortgages should be
coded as a “Y”.

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

Conversion Mortgage (HECM)
loans
Y = Other
U = Unknown

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”.
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
coverage percent at origination
for loans with loan level mortgage
insurance coverage.

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

Character(1)

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

Numeric, to 2
decimal places

This field should remain
unchanged even if the insurance
coverage is changed or removed
in future months.

Line Item
No.
23

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Property Type

M164

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

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).

Balloon Flag

M165

Balloon Term

M166

Buy down Flag
(Retired March
2020)

M167

If it is known that a property is in
a planned unit development
(PUD) and the underlying
property type is also known,
report the underlying property
type. If it is known that the
property is a PUD, but there is no
information on the underlying
property type, use 6=PUD.
Balloon Flag-Report whether the
mortgage has a balloon payment.

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).

Format, Line
Item Length
Character(1)

Y=Yes
N=No
U=Unknown

Character(1)

Whole Number

Line Item
No.
27

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Interest Only at
Origination

M168

Y=Yes
N=No
U=Unknown

Interest Only at Origination Flag –
Report whether the loan was an
IO loan at the time of origination.

Format, Line
Item Length
Character(1)

That is, at origination, was the
normal monthly payment for the
loan just interest.
An interest only (IO) mortgage is
a nontraditional mortgage which
allows the borrower to pay only
the interest due on the loan for a
specified number of years, and
whose interest rate may fluctuate
or be fixed. After the interest-only
period, the rate may be fixed or
fluctuate based on the prescribed
index, with payments including
both principal and interest.
28

Recourse Flag

M169

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.

Y=Yes
N=No
U=Unknown

Character(1)

ARM Initial Rate

M170

Report the initial interest rate on
the loan.

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

Whole Number

Format, Line
Item Length
Whole Number

Whole Number

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)

Report the ARM initial rate
adjustment period (in months).
Identifies the term, in months,
from the time of origination to the
first interest rate change date for
ARMs.
Report the initial fixed principal
and interest payment period in
months for adjustable rate hybrid
loans.

ARM Periodic
Interest Reset
Period

M172

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

ARM Index

M173

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.

Line Item
No.

Line Item Name

ARM Margin at
Origination

MDRM (CCFL) Detailed Description

M174

Allowed Values

A BHC or IHC or SLHC using the
Wall Street 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)
91 = SOFR 1mo
92 = SOFR 3mo
93 = SOFR 6mo
94 = SOFR 1yr
99 = SOFR Unknown Type
9Z = SOFR Other
ZZ = Other
UU = Unknown

ARM margin – Report the margin
for adjustable rate loans.

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

Format, Line
Item Length

Numeric, up to
5 decimals

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

Line Item
No.
34

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

ARM Negative
Amortization %
Limit

M175

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

Format, Line
Item Length
Numeric, up to
5 decimals

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

Numeric, up to
5 decimals

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

Numeric, up to
5 decimals

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

Numeric, up to
5 decimals

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

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.
Absolute rate cap (not spread
from original)

ARM Periodic Rate
Floor

M177

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.
Absolute rate floor (not spread
from original)

ARM Lifetime Rate
Cap

M178

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

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

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

variables should be populated
with the origination values.

ARM Lifetime Rate
Floor

ARM Periodic Pay
Cap

M179

M180

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.

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

ARM Periodic Pay
Floor

M181

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

Numeric, up to
5 decimals

Option ARM Flag

M182

Y=Yes
N=No

Character(1)

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.
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.
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

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

Y=Yes
N=No

Character(1)

indexed interest rate, or a fully
amortizing principal and interest
payment option based on a 15year or 30-year loan term, plus
any required escrow payments.
Payments on the minimum
payment option can be less than
the interest accruing on the loan,
resulting in negative
amortization. The interest-only
option avoids negative
amortization, but does not
provide for principal
amortization. After a specified
number of years, or if the loan
reaches a certain negative
amortization cap, the required
monthly payment amount is
recast to require payments that
will fully amortize the
outstanding balance.
42

Negative
Amortization Flag

M183

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.

Line Item
No.
43

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Original Loan
Term

M184

Whole Number
Allowable values: 0 – 600

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

Format, Line
Item Length
Whole Number

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.
44

Original Interest
Rate

M185

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

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.

Whole Number

Y=Yes
N=No
U=Unknown

Character(1)

This line item may be provided on
a best efforts basis for loans
serviced for others and loans
acquired through mergers and
acquisitions.
46

Pre-Payment
Penalty Flag

M187

Pre-payment Penalty Flag –
Report whether the loan carries a
penalty if the borrower prepays
the loan during a specified period
of time.

Line Item
No.
47

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Pre-Payment
Penalty Term

M188

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

Pre-Payment Penalty Term (In
Months)

Format, Line
Item Length
Whole Number

Report the time period from loan
origination that a prepayment
penalty applies (if applicable).
This is an origination line item
and should specify the time
period from origination for which
a prepayment penalty would have
applied. It should not change with
the reporting month.
48

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

Whole Number

The current credit bureau score
related fields are required for
portfolio loans and optional for
loans that the BHC, IHC, or SLHC
services for others.

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

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

Character(1)

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

Character(1)

Do not populate this field with
origination data.
This field must be updated at
least one month within the
quarter, and refreshed at least
one month within every
subsequent quarter.
49

Interest Only in
Reporting Month

M190

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

Investor Type

M191

Report the owner of the
mortgage.
• 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 (non-

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

Government, non-GSE) issuers.
Please include serviced loans.
• 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
investors that do not include any
of the major investor types listed
in values 0-7, and can include
portfolio loans serviced for
others.
51

Servicer Advances
(Retired March
2020)

M192

Line Item
No.
52

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Option ARM in
Reporting Month

M193

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

Bankruptcy flag

M194

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

Format, Line
Item Length
Character(1)

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

Character(1)

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

Character(2)

YYYYMMDD

Indicates whether the borrower
is in bankruptcy as of the end of
the reporting month.
Respondents should include coborrowers.
54

Bankruptcy
Chapter

Next Payment Due
Date

M195

M196

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

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

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.
56

Current Interest
Rate

M197

Current Interest Rate – Report the Provide as a fraction. E.g.:
annual percentage rate of the
0.1075 for 10.75%
mortgage as of the last day of the
reporting month.

Numeric, up to
5 decimals

Remaining Term

M198

Report the remaining term of the
loan in months.

Whole Number

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.

Line Item
No.
58

Line Item Name

MDRM (CCFL) Detailed Description

Scheduled
Principal Balance
Amount (Retired
March 2020)

M199

Principal and
Interest (P&I)
Amount Current

M200

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

Allowed Values

Format, Line
Item Length

Whole Number
e.g.,

Whole Number

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

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 balloon
loans in the process of paying off
in a reporting month, report the
full amount due on the loan that
is paying off. 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.
43

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

Also, if a new loan does not bill
until the following month, then
report the amount as 0 for the
current reporting month
submission.
Note: This line item should
contain scheduled principal and
interest due from the borrower in
the reporting month. If it is in the
interest only period, then the
interest only payment would be
used. Do not include past due
amounts.
60

Unpaid Principal
Balance

M201

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

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

Line Item
No.
61

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Foreclosure Sale
Date

M202

YYYYMMDD

Format, Line
Item Length
YYYYMMDD

YYYYMMDD

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.

Foreclosure
Referral Date

M203

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.
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

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

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

Character(1)

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

Character(1)

from foreclosure should not have
a referral date.
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.
63

Foreclosure
Suspended

M204

Foreclosure Suspended – Report
all loans where foreclosure
activities are being suspended
regardless of the reason for
suspension.
Flag indicating an active
foreclosure suspension

Paid-in-Full Coding M205

Note: The code value for this line
item should follow public
reporting of this item.
Report the liquidation method for
any loan that was liquidated
during the reporting month.
If a commercial loan is still
awaiting interest and fees, report
as "0".
• Not Paid In Full – Coded for any
home equity loans having an
outstanding balance as of month-

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

end as well as all active lines of
credit.
• Voluntary Payoff – Code all
instances where the loan has
been paid in full by the borrower
either through refinance, sale of
the property or principal
payment in full.
• Involuntary Liquidation – Code
all instances where the loan has
been liquidated either through
foreclosure proceedings or
another settlement option
resulting in incomplete
repayment of principal. Include
short-sales, charge-offs, as well as
REO liquidations. This includes
loans active in the month prior to
the reporting month that were
sold at a foreclosure sale and
taken into REO in the reporting
month. Also include all instances
where credit has been resolved
(i.e. no longer pursuing
collection) but not through
foreclosures, servicing transfers,
or payments made by the home
owner (i.e. not sale, settlement for
less than full amount, short sales,
or Deeds in Lieu).
• Servicing Transfer – Code all
instances where the servicing of
47

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)

the loan has been transferred or
sold to another institution during
the reporting month.
65

Foreclosure Status

M206

Foreclosure Status – Report the
current foreclosure status as of
the end of the reporting month. If
a loan was coded as Foreclosure
Status “1” in the prior month,
then in the in the month the loan
liquidates, code the field
Foreclosure Status as ‘2’.
• In foreclosure, pre-sale –
Coded for any mortgage that has
been referred to an attorney for
loss mitigation proceedings but
has not yet gone to foreclosure
sale.
• Post-sale Foreclosure – Coded
for any loan where the bank has
obtained title at foreclosure sale,
but the property is not yet
actively being marketed.
Typically this will include loans
that are in redemption or being
repaired. If this information is not
available, please code the loan as
REO. This includes loans active in
the month prior to the reporting
month that were sold at a
foreclosure sale and taken into
REO in the reporting month. . In
the month the loan liquidates,

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)

code the field Foreclosure Status
as ‘2’.

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 or
SLHC has received a repurchase
request for a particular loan from
a counterparty. If the BHC or IHC
or SLHC voluntarily initiates a
repurchase then report a
Repurchase Type value of ‘0’.
Legal settlements should only be
reported in Line items 66 and 67
if the legal

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

YYYYMMDD

e.g. 125000 for $125,000.00

Whole Number

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.
67

Repurchase
Request Date

M208

Repurchase Request Date- Report
the repurchase request date.
The repurchase request date is
the date of repurchase requested
by the counterparty.

Refreshed
Property Value

M209

Refreshed property value –
Report the most current property
value if updated subsequent to
loan origination. Only provide a
refreshed value when it is based
on a property-specific valuation
method (i.e., do not provide a
refreshed property value based
solely on applying a broad

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

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 property value was not
obtained within the last year.

Line Item
No.
69

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Refreshed
Property Valuation
Method

M210

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

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

Format, Line
Item Length
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,
Refreshed Property Valuation
Method, Property Method at
Modification, and
52

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Most Recent
Property Valuation
Date

M211

Refreshed CLTV
After Modification

M212

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-tovalue 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
LTV.

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

Whole Number

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.
72

Refreshed DTI
Ratio (Back-end)

M213

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
optional for other loans.

Line Item
No.

Line Item Name

Modification Type

MDRM (CCFL) Detailed Description

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.

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

This line item is independent of
investor and speaks only to the
nature of the program. For
example a FNMA loan may be
modified under either a FDIC or
proprietary modification program
– in these cases this line item
would be populated with either
the FDIC or proprietary codes
while the Investor line item
would identify the modification as
being performed on a FNMA loan.
• Loan has not been modified.
55

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

• 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
the investor, any loan modified
under a proprietary systematic
56

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

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.
• 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.
75

Last Modified Date

M216

Active Repayment
Plan Flag (Retired
March 2020)

M217

Last Modified Date – Report the
date on which the loan terms
were most recently modified.

Line Item
No.
77

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Workout Type
Completed

M218

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.

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:

Format, Line
Item Length
Numeric

Code 0 - Enter in the case where
no workout is completed or there
is an unsuccessful resolution of a
loss mitigation effort. Do not
enter a code value of 0 if loss
mitigation efforts are ongoing but
not completely resolved.

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

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 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
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.
59

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

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.
78

Repayment Plan
Performance
Status (Retired
March 2020)

M219

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

“Home Affordable
Refinance”
Program Flag
(Retired March
2020)

M220

HAMP Loan
Number (Retired
March 2020)

M221

Capitalization

M222

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

Allowed Values

Format, Line
Item Length

Y=Yes
N=No

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”.

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Delinquent
Amount
Capitalized

M223

Duration of
Modification

M224

Step Modification
Flag

M225

This line item should only be
populated for loans with a value
in Line item 74 Modification Type
indicating that a loan has been
modified.
Delinquent Amount Capitalized –
Report the total amount in dollars
of the delinquent amount that
was capitalized and added to the
principal balance through loss
mitigation.
Duration of Modification – Report
the number of months the
modified terms will be in effect.
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).
Step Modification Flag – Report
whether a rate modification has a
“stepped” or gradual return to
non-modified rate.

Allowed Values

Format, Line
Item Length

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

Whole Number

Y=Yes
N=No

Character(1)

If the rate drop is gradual
(stepped), even to a rate that is
different from the contract rate,
this field should be populated
with ‘Y’. If the rate drop is
immediate, even to a rate that is
different from the contract rate,
this field should be populated
with ‘N’.
62

Line Item
No.

Line Item Name

Loss Mitigation
Performance
Status

MDRM (CCFL) Detailed Description

M226

This line item should be reported
as “N” if the loan immediately
returns to the contract rate at
expiration of the modification.
Loss Mitigation Performance
Status – Report whether a loan is
being actively handled by the
servicer’s loss mitigation
department. Refers to all loans
where the servicer has initiated
loss mitigation procedures
whether or not a particular
course of action or workout type
has been executed. Active loss
mitigation refers to instances
where the loan is currently in loss
mitigation, and the servicer is
actively pursuing loss mitigation.

Allowed Values

Format, Line
Item Length

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

Character(1)

• 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
63

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

initiated but no plan has been
executed as of month-end.
• Broken – Populated for
situations where the borrower
has defaulted on the terms of loss
mitigation plan and the servicer
has removed the loan from loss
mitigation and is proceeding with
the default process.
Note: If loss mitigation efforts
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.
If a loan is not in loss mitigation,
then it should be coded as 0: No
loss mitigation action in place.
86

Principal Deferred
(Retired March
2013)

M227

Line Item
No.
87

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Principal Deferred
Amount

M228

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

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

Format, Line
Item Length
Whole Number

In cases where the principal
deferral is monthly, they should
be reported as aggregated.
Principal deferrals are generally
done at once. Only the amount of
principal that is deferred should
be reported. Report the aggregate
amount of deferred principal
provided over the life of the loan
assuming that the borrower
performs as agreed.
This line item should only be
populated for loans with a value
in Line item 74 Modification Type
indicating that a loan has been
modified.
88
89

Principal Write
down (Retired
March 2013)
Principal WriteDown Amount

M229
M230

Principal Write-Down Amount–
Report the principal write-down
amount for the loans where the
principal was forgiven through
loss mitigation.

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

Whole Number

This line item should only be
populated for loans with a value
in Line item 74 Modification Type
65

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)

N = No
Y = Yes

Character(1)

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
payments should not be flagged
as principal reductions).
90

Property Valuation
Method at
Modification
(Retired March
2020)

M231

Interest Type
Conversion
Duration

M233

Report whether the interest type
was converted from ARM to Fixed
through loss mitigation, and the
duration of the fixed rate period.
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 03-3 Status
(or Purchased
Credit

M234

SOP-03-03 – Report whether any
loans are accounted for under
SOP-03-03 purchase accounting.
If the loan is accounted for under

Line Item
No.

Line Item Name
Deteriorated
Status)

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

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.
Institutions that have adopted
ASU 2016-13 should report in
field 92 whether any loans are
accounted for as purchased
credit-deteriorated. If the loan is
a PCD loan, this line item should
be a “Y”; otherwise it should be
“N”.

Line Item
No.
93

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Total
Debt at Time of
any Involuntary
Termination

M235

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

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

Format, Line
Item Length
Whole Number

1) Unpaid Principal Balance;
2)Interest pass through Amount
(interest paid to the Investor to
purchase loan out of pool or any
prior years interest charged off at
non-accrual status);
3) Total Corporate Advance (incl.
Property Preservation and
Attorney’s fees);
4) Total Escrow Advance (taxes
and insurance paid)
Note: Any involuntary
termination includes REO, Short
Sale, Deed-in-lieu of foreclosure,
Third Party Sale or Charge-off.

Net Recovery
Amount

M236

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

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

Whole Number

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

Y=Yes
N=No

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. 12

Format, Line
Item Length
Character(1)

This field only applies to portfolio
loans. For non-portfolio loans
leave this field blank.

Institutions that have adopted ASU 2016-13 should evaluate TDRs for credit losses as part of the analysis of allowance for credit losses on loan and
leases.
12

Line Item
No.
97

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Reported as Bank
Owned Flag

M239

Y=Yes
N=No

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:

Format, Line
Item Length
Character(1)

• GNMA Eligible Repurchases – In
accordance with FAS 140, GNMA
loans that are subject to Removal
of Accounts Provisions (ROAPs)
and eligible for repurchase.
• Other Loans Reported OnBalance Sheet under FAS 140 – To
reflect bank-supported
securitizations and/or other
indemnifications.
98

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 or SLHC would
report ‘Y’ for this line item.
This line item should only be
populated for loans with a value
71

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

Y=Yes
N=No

Character(1)

Y=Yes
N=No

Character(1)

in Line item 74 (Modification
Type).

Interest Rate
Frozen

M232

Report whether the interest rate
was frozen and at a lower rate
than if allowed to adjust through
loss mitigation
For example, if a loan resetting
from 4% to 6% is frozen at the
4% rate, the BHC or IHC or SLHC
would report ‘Y’ for this line item.

100

Term Extended

M929

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

Line Item
No.
101

102

103

104

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

P&I Amount
Before
Modification

M930

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

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

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

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

Whole Number

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

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

Numeric, up to
5 decimals

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

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

Numeric, up to
5 decimals

P&I Amount After
Modification

Interest Rate
Before
Modification

Interest Rate After
Modification

M931

M932

M933

Format, Line
Item Length
Whole Number

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

Line Item
No.
105

106

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Remaining Term
Before
Modification

M934

Whole Number

Format, Line
Item Length
Whole Number

Whole Number

Remaining Term
After Modification

M935

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).

107

Escrow Amount
Before
Modification
(Retired March
2020)

M936

108

Escrow Amount
After Modification
(Retired March
2020)

M937

109

Alternative Home
Liquidation Loss
Mitigation Date

M938

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)

(Retired March
2020)
110

Alternative Home
Retention Loss
Mitigation Date
(Retired March
2020)

M939

111

Original Property
Valuation
Method(appraisal
method)

M940

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
•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

•Automated Valuation Model
“AVM”

112

113

Third Party Sale
Flag

Escrow Amount
Current

M941

M268

Identification of Third Party Sales
at time of Foreclosure Sale
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.
Report the scheduled escrow
amount (including taxes and
insurance) due from the
borrower scheduled for the
reporting month.

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

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

Whole Number

For non-escrow loans, report a
value of zero.
76

Line Item
No.
114

Line Item Name

MDRM (CCFL) Detailed Description

Escrow Amount at
Origination
(Retired March
2020)

M942

115

Remodified Flag

M943

116

Mortgage
Insurance
Company

M944

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.

Allowed Values

Format, Line
Item Length

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

Interest Type at
Origination

M244

Report the interest type at
origination.

1 = Fixed
2 = Variable

Character(1)

1 = FRB
2 = OCC
3 = FDIC

Character(1)

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

118

Entity Serviced

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 or SLHC
subsidiary that is servicing the
loan. If the loan is a commercial
loan secured by residential real
estate loans, report the Federal
Regulator of the entity servicing
the commercial loan.
Example: The ‘Entity Serviced’
should be segmented out by the
entities within the BHC or IHC or

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

SLHC. 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 or
SLHC that is not a federally
insured bank, then the ‘Entity
Serviced’ is FRB (code value = 1).
119

Loss/Write down
Amount (Retired
March 2020)

M241

120

Loss/Write down
Date (Retired
March 2020)

M947

Line Item
No.
121

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Sales Price of
Property

M948

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

Report the final sales price at
which the property was disposed
by the BHC or IHC or SLHC in the
case of involuntary termination.
Provide the same price as the
BHC or IHC or SLHC would
submit to public records data. Net
proceeds from short sales or third
party sales should be reported in
Line item 94.

Format, Line
Item Length
Whole Number

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.
122

123

Performance of
Junior Lien(s)
(Retired June
2016)
Ever 90+ DPD in
the Past 12 months
(Retired March
2020)

M949

M950



Line Item
No.
124

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Commercial Loan
Flag

M951

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

Report 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 14 residential property.

125

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.

Format, Line
Item Length
Character(1)

Numeric, up to
5 decimals

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

Line Item
No.
126

127

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Loss Given Default
– LGD

M115

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

Expected Loss
Given Default –
ELGD

M116

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 or SLHCowned loans only.
Report the Expected Loss Given
Default (ELGD) parameter for the
account as defined in the most
recent capital framework. More
specifically, report the ELGD
associated to the account’s
corresponding segment. Missing
or unavailable values should be
left blank.

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

Format, Line
Item Length
Numeric, up to
5 decimals

Numeric, up to
5 decimals

If the BHC or IHC or SLHC
generates this field, they are
required to report it. ELGD is an
input into the LGD calculation.
Report the BHC’s, IHC’s or SLHC’s
empirically based best estimate of
the long-run default-weighted
average economic loss, per dollar
of EAD, the BHC or IHC or SLHC
would expect to incur if the
obligor (or a typical obligor in the
loss severity grade assigned by
82

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

Whole Number

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
or SLHC does not capture this
field, then leave it blank.

128

Exposure at
Default – EAD

M117

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

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

Abbreviations:
LEQ: Loan-equivalent-exposure
CCF: Credit Conversion Factor

129

Entity Type

M952

Report the registered entity type
of the BHC, IHC or SLHC
subsidiary that owns the reported
loan. If the loan is not owned by
the BHC or IHC or SLHC 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

130

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

Character(1)

Whole Number

Note: For non-portfolio loans,
leave this line item blank.
131

Interest Only Term
– Original

M954

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

Line Item
No.
132

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Interest Type Current

M248

1 = Fixed
2 = Variable

Report the loan interest type in
the current reporting month.

Format, Line
Item Length
Character(1)

• Fixed – Loans where the
interest rate is fixed for the entire
term.
• Variable – Loans where the
interest rate fluctuates based on a
spread to an index. Include all
variable rate loans regardless of
whether there is an initial fixed
period.
133

Product Type –
Origination

M955

Report the product type as of the
loan origination
Identifies the product type of the
mortgage, including the interest
type, amortization term and
initial fixed period for hybrid
products.
Fixed 30 – Fixed rate amortizing
loans with a 30-year loan term.
Also include fixed rate loans
where loan term is greater than
20 and less than 30 years.
Fixed 20 – Fixed rate amortizing
loans with a 20-year loan term.
Also include fixed rate loans
where loan term is greater than
15 and less than 20 years.

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

Character(2)

Fixed 10 – Fixed rate amortizing
loans with a 10-year loan term.
85

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

Also include fixed rate loans
where loan term is less than 10
years.
Fixed 40 – Fixed rate amortizing
loans with a 40-year term. Also
include fixed rate loans where
loan term is greater than 30 and
less than 40 years.
Fixed Greater than 40 - Fixed rate
loans with loan term greater than
40 years.
Fixed Other – Fixed rate loan
where the loan term does not fall
under any of the categories (Fixed
30, Fixed 20, Fixed 15, Fixed 10,
Fixed 40, Fixed Greater than 40).
Use this code where the loan is
not simply a fixed-rate amortizing
term loan. Some examples include
Balloon, interest only or fixed rate
pay option loans.
ARM 1 – Adjustable rate
mortgage where the initial rate
reset is less than or equal to 1
year.
ARM 2 – Adjustable rate
mortgage where the initial rate
reset is greater than 1 year and
less than or equal to 2 years.

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

ARM 3 – Adjustable rate
mortgage where the initial rate
reset is greater than 2 year and
less than or equal to 3 years.
ARM 5 – Adjustable rate
mortgage where the initial rate
reset is greater than 3 year and
less than or equal to 5 years.
ARM 7- Adjustable rate mortgage
where the initial rate reset is
greater than 5 year and less than
or equal to 7 years.
ARM 10 – Adjustable rate
mortgage where the initial rate
reset is greater than 7 year and
less than or equal to 10 years.
ARM 15 - Adjustable rate
mortgage where the initial rate
reset is greater than 10 years and
less than or equal to 15 years.
ARM Other – Adjustable rate loan
where the loan term does not fall
under any of the categories (ARM
1, ARM 2, ARM 3, ARM 5, ARM 7,
ARM 10, ARM 15). An example
would be an Option ARM.
Other – Use this code to capture
loans that do not fall into any of
the categories listed above. An
87

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

1=FICO

Character(1)

example would be Graduated
Payment Mortgages (GPMs).

134

Origination Credit
Bureau Score
Vendor

R036

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

2=VantageScore
3=Other

Line Item
No.
135

136

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Origination Credit
Bureau Score
Version

R037

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”).

Text String

Format, Line
Item Length
Character(30)

Current Credit
Bureau Score
Vendor

R038

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 that 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.

1=FICO

Character(1)

2=VantageScore
3=Other

The current credit bureau score
related fields are required for
portfolio loans and optional for
loans that the BHC, IHC or SLHC
services for others.

Line Item
No.
137

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Current Credit
Bureau Score
Version

R039

Text String

Format, Line
Item Length
Character(30)

YYYYMMDD

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”).
The current credit bureau score
related fields are required for
portfolio loans and optional for
loans that the BHC, IHC or SLHC
services for others.

138

Current Credit
Bureau Score Date

S382

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.
The current credit bureau score
related fields are required for
portfolio loans and optional for
loans that the BHC, IHC or SLHC
services for others.

Line Item
No.
139

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Serviced by Others
(SBO) Flag

R622

Y-Yes
N-No

Indicates the servicer of the loan.
If the loan is serviced by entities
other than the BHC or IHC or
SLHC 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 SLHC 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.

Line Item
No.
141

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

National Bank
RSSD ID

JA26

RSSD ID of a national bank
subsidiary is the only valid
value.

Report the RSSD ID of the
national bank that has a
financial interest in the loan.
For these purposes, a national
bank subsidiary is deemed to
have a financial interest in a
loan if it owns the loan and/or
services the loan.

Format, Line
Item Length
Whole Number

For loans that are serviced by a
National Bank subsidiary of the
BHC but owned by another
entity, the respondent should
report the RSSD ID of the
National Bank subsidiary that
services the loan. For loans that
are owned by a National Bank
subsidiary of the BHC but
serviced by another entity, the
respondent should report the
RSSD ID of the National Bank
subsidiary that owns the loan.
If a National bank subsidiary of
the BHC both owns and
services the loan, the
respondent should report the
RSSD ID of the National Bank
subsidiary that both owns and
services the loan. If no National
Bank subsidiary of the
reporting BHC either owns or
services the loan, this field
should be left blank (null). In all
cases, this field either would be
left null or will contain the
92

Line Item
No.

Line Item Name

MDRM (CCFL) Detailed Description

Allowed Values

Format, Line
Item Length

RSSD ID of a chartered national
bank that is a subsidiary of the
reporting BHC.

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.

1 = Serviced
2 = Portfolio HFI
Purchased Impaired13
3 = Portfolio HFI FVO /
HFS
4 = Other Portfolio

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.

Current unpaid balance
at end of the reporting
month.

Whole
Number

Report in millions of
dollars.

Institutions that have adopted ASU 2016-13 should report Portfolio HFI Purchased Credit Deteriorated as a segment.

Line
item
No.
3

Line Item
Name

MDRM
(CCFP)

Detailed Description

Allowed Values

Format

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. 14

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

Whole
Number

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.

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

Institutions that have adopted ASU 2016-13 should report all cumulative lifetime write-downs and reversals of loan principal and interest recorded as
charge-offs against the Allowance for Credit Losses on Loans and Leases pursuant to FR Y-9C instructions. Also include all reversals of accrued but not
collected interest, not directly charged against the allowance for credit losses on loans and leases.
14

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,IHC’s and SLHC’s portfolio
and all loans serviced by the BHC, IHC and SLHC 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.
o In the case of involuntary terminations of any first liens reported on the FR Y-14M Home
Equity schedule, the loan should be reported for up to 24 months following termination,
until the data on the specified fields: Line item #99 (Total Debt at Time of any Involuntary
Termination), Line item #100 (Net Recovery Amount), and Line item #101 (Sales Price of
Property) are available to report. If the data are available sooner, the BHC/IHC does not
have to continue reporting these loans in the following months. Note, however, that firms
are not required to report these three fields (99, 100, 101) for any junior liens reported in
this schedule.
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,IHCs and SLHCs 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.
96











Please note that BHCs,IHCs and SLHCs will continue to report data on the loans that become REO loans
using the same consistent loan number throughout the history of the loan. Please ensure that the loan
numbers once assigned to a loan is not changed as a result of sub servicing or any related aspects.
For loans secured by multiple pieces of collateral, only report the loan as REO when all the collateral
backing the loan has become REO and the loan has been terminated.
For commercial real estate (CRE) or business purpose loans collateralized by properties, place values to
the best of your ability.
If the loan is a commercial purpose loan then only report attributes that are unique to the facility as a
whole.
For loans serviced for others, report the full outstanding balance on the loan. Participated loans should
be included in this schedule and institutions should report the total loan balance as bank owned.
An amount, zero or null (be left blank) should be entered for all items, except in those cases where
other options such as “not available” or “other” are specified. If information is not available or not
applicable and no such options are offered, the line item should be left blank.
We require that a loan number uniquely identify a loan through its entire life. If a BHC or IHC or SLHC 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 or SLHC 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 or SLHC has been submitting different loan numbers for the same loan in the FR Y-14M collection
versus OCC data collection, the BHC or IHC or SLHC 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 that 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 or
SLHC 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. 15
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. In addition, if a line item does not apply to the loan, the line item should be left blank.
For loan/line level variables representing monetary value please use the U.S. Dollar ($) as the reporting
monetary unit.
For portfolio level variables representing monetary value please use millions of dollars ($ Millions) as
the reporting monetary unit. For any line item with a format of ‘character’, please provide the code
values as listed in the data dictionary. Do not add a leading or trailing zero or any other character to the
data unless specified. It is required that the data formats and code values as listed in this document be
strictly followed.
o Example: A variable listed as Character(2) with a data value of 1 will be made available with a
value of 1. It will not be coded as 01 or or <1space> or any other combination.
Optional and best efforts line items are noted in the instructions in the table below.
No quotation marks should be used as text identifiers.
Please do not provide a header row.
Inactive inventory that was paid off in one manner or another (servicing transfer, involuntary
liquidation or paid-in-full by borrower) before the beginning of the reporting month should not be
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,IHCs and SLHCs 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 or SLHC has to resubmit the same file, then use ‘02’ for the next submission, and so on.

Institutions that have adopted ASU 2016-13 should report purchased credit-deteriorated loans in this segment.

In the case of the Home Equity Schedule, BHCs,IHCs and SLHCs 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.

Character (32)

YYYYMMDD

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).

Format, Line
Item Length

If the BHC or IHC or SLHC 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 or SLHC use the same
loan number for the FR Y‐14M data schedules. However, if a
BHC or IHC or SLHC has already been submitting different loan
numbers for the same loan for the FR Y-14M and the OCC
collections, the BHC or IHC or SLHC 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 or SLHC should have unique loan
numbers across the entire submission.
Loan Closing Date – Report the date the loan originally closed.
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
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.

100

Line
Item
No.
4

Line Item
Name
Property
State

MDRM
(CCHE)
9200

Property ZIP
Code

9220

Original Loan
Amount
Disbursed

M147

Detailed Description
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,
then leave the Property State field blank.
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.

Allowed Values

Format, Line
Item Length

Two-letter postal
codes for the state

Character(2)

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%
Please populate

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

Whole Number

Amount of loan rounded to the nearest whole dollar.

Original Loan
/ Line
Commitment

M242

Original
Property
Value

M148

Original
Combined
LTV

M150

This data should either be available in BHCs',IHCs’ or SLHCs’
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).
Note: For HELOANs, 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
junior liens, divided by the property value at the time of loan

101

Line
Item
No.

Line Item
Name

Income
Documentati
on

MDRM
(CCHE)

M151

Detailed Description
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

Format, Line
Item Length

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

Character (1)

• 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.
The “Alt/Low - Lender” or "Stated - Lender" categories should
be used for those situations in which the BHC’s, IHC’s or SLHC’s
automated underwriting system suggested to a particular
customer a low/no doc or stated income loan.
“Alt/Low - Borrower” or "Stated - Borrower" refers to
situations in which a borrower him/herself requested a low/no
doc loan or a broker suggested one.
Please sub‐classify. If you do not know how to sub-classify,
report using the "7 Stated Unknown" or “4 Alt/Low –
Unknown” option, as appropriate.
102

Line
Item
No.

Line Item
Name

Debt to
Income (DTI)
Back-End at
Origination

Debt to
Income (DTI)
Front-End at
Origination

MDRM
(CCHE)

M152

M153

Detailed Description

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.

Allowed Values

Format, Line
Item Length

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

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.

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

103

Line
Item
No.
14

Line Item
Name
Current
Credit
Bureau Score

MDRM
(CCHE)
M189

Detailed Description

Allowed Values

Format, Line
Item Length

Report the current credit score of the borrower using a
commercially available credit bureau score (for a definition of a
commercially available credit bureau score, see the general
instructions). Provide the most recently determined
commercially available credit score of the borrower. Report
the credit score vendor in item 111 and the credit score version
in item 112.

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

Whole Number

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)

The current credit bureau score related fields are required for
portfolio loans and optional for loans that the BHC, IHC or SLHC
services for others.
This field must be updated at least one month within the
quarter, and refreshed at least one month within every
subsequent quarter.
15

Occupancy

M155

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

Lien Position
at Origination

M158

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

Home Equity
Line Type

M243

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

Character(1)

• Home Equity Line of Credit – The borrower may access an
104

Line
Item
No.
18

Line Item
Name

Number of
Units

Property
Type

MDRM
(CCHE)

M162

M164

Detailed Description
available credit line through draw features. Lines of credit
balances may have fixed term, locked or amortizing portions.
Number of units to the property financed by the loan – Report
the number of units of the property. If the actual number of
units is not available for multi-family or 1-4 family properties,
please code this line item with a “U”.
For CRE or commercial purpose mortgage loans on multiple
properties that are submitted under this schedule, please code
this line item with a “Y”.
Property Type Report the property type. For one property with multiple uses,
report as “F” (Mixed Use). For properties with more than one
piece of collateral, report as "Z" (Other).
If it is known that a property is in a planned unit development
(PUD) and the underlying property type is also known, report
the underlying property type. If it is known that the property is
a PUD, but there is no information on the underlying property
type, use 6=PUD.

Interest Type
at Origination

M244

Report the interest type at origination.

Allowed Values

Format, Line
Item Length

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

Character(1)

1 = Single Family
Resident
2 = Condo
3 = Co-Op
4 = 2-4 Units
5 = Townhouse
6 = Planned Unit
Development
7 = 5+Units
E = Commercial
F = Mixed Use
M = Manufactured
Housing
Z = Other
U = Unknown
1 = Fixed
2 = Variable

Character(1)

• Fixed – Loans where the interest rate is fixed for the entire
term.
• Variable – Loans where the interest rate fluctuates based on a
spread to an index. Include all variable rate loans regardless of
whether there is an initial fixed period.
105

Line
Item
No.
21

Line Item
Name
Interest Only
at Origination

Interest Only
in Reporting
Month

Loan Source

MDRM
(CCHE)
M168

M190

M159

Detailed Description
Interest Only at Origination - Report whether the loan required
interest only at origination. That is, at origination, was the
minimum monthly payment for the loan just interest.
An interest only (IO) mortgage is a nontraditional mortgage
which allows the borrower to pay only the interest due on the
loan for a specified number of years, and whose interest rate
may fluctuate or be fixed. After the interest-only period, the
rate may be fixed or fluctuate based on the prescribed index,
with payments including both principal and interest.
Interest Only in Reporting Month – Report whether the
minimum payment in the reporting month represents only the
interest due on the loan.
That is, at end-of-month for the reporting month, was the
minimum monthly payment for the loan just interest.
Loan Source – Report the source by which the servicer
originated or otherwise acquired the loan. At the servicer's
discretion, acquired servicing may be reported as retail, broker,
or correspondent originations to the extent the information is
available.
• Retail – Report all loans originated through the reporting
institution’s retail, including branch or internet, production
channel.
• Wholesale (Broker) - Report all loans originated through the
reporting institution's wholesale/broker production channel.
Report as broker originated all third-party originated loans
where the bank cannot distinguish between broker and
correspondent originated.

Allowed Values

Format, Line
Item Length

Y=Yes
N=No
U=Unknown

Character(1)

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

Character(1)

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

Character(1)

• Correspondent - Loans acquired through the reporting
institution's correspondent production channel. This includes
106

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

all whole loans purchased on a recurring basis (flow) from
another correspondent institution, eligible for securitization
into the secondary markets or portfolio retention on the bank's
balance sheet. Report as broker originated all third-party
originated loans when the bank cannot distinguish between
broker and correspondent originated.
• Servicing Rights Purchased - Refers to a separately negotiated
purchase of mortgage servicing rights (PMSR) from a third
party. When the servicer cannot distinguish between bulk
whole loan and bulk servicing acquisitions, the servicer should
report all of these acquisitions consistently in the category that
represents the majority of the servicer's acquisitions. Note: This
reporting category applies exclusively to the servicing portfolio.
• Bulk Purchase – Pools of whole loans purchased from a third
party originator to either 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.
• Wealth Management/Private Banking – report all loans
originated through a servicer’s private wealth management or
private banking division.
24

Credit Class

M156
Credit Class - Report the credit class designation as Prime, AltA, Non-prime, or Government Owned as assessed at the time of
loan origination; it shall not change over time.

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

Character(1)

107

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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.

Loan / Line
Owner

M245

These definitions should be consistent across time periods
within a single FR Y-14M submission and consistent across
multiple FR Y-14M submissions submitted over time.
Loan / Line Owner – Report the investor of the loan.
• Securitized – Loans securitized by private or public issuers.
• Portfolio – Loans owned and held on the bank’s balance sheet.
Include both held for sale and held for investment in this
category.

ARM Initial
Rate Period

ARM
Payment
Reset
Frequency

M171

M246

• 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.
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.

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

Character(1)

Whole Number

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).
108

Line
Item
No.
28

Line Item
Name
Allowable
Draw Period

ARM Index

MDRM
(CCHE)
M247

M173

Detailed Description
Draw Period – For lines of credit only, report the duration in
months (starting with the origination date) during which the
borrower has the ability to make withdrawals against the credit
line. Important: Leave blank for home equity loans.
Note: Use a value of 999 if the borrower is always allowed to
draw on the account, as in the case of “evergreen” accounts.
Report the published financial index name used to determine
the interest rate. 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

1 – 480;
999

Whole Number

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

Character(2)

109

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

70 = FNMA/FHLMC
80 = MTA(Moving
Treasury Avg)
81 = LAMA(LIBOR
Annual Moving
91 = SOFR 1mo
92 = SOFR 3mo
93 = SOFR 6mo
94 = SOFR 1yr
99 = SOFR
Unknown Type
9Z = SOFR Other
Avg)
ZZ = Other
UU = Unknown
30

ARM Margin
at Origination

M174

ARM Periodic
Rate Cap

M176

ARM Periodic
Rate Floor

M177

ARM Lifetime
Rate Cap

M178

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.

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

110

Line
Item
No.
34

Line Item
Name

MDRM
(CCHE)

ARM Lifetime
Rate Floor

M179

ARM Periodic
Pay Cap
(Retired
March 2020)
ARM Periodic
Pay Floor
(Retired
March 2020)
Original
Loan/Line
Term

M180

Detailed Description

Allowed Values

Format, Line
Item Length

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.

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

Numeric, to 5
decimals

Report the term in months on the original loan/line.

Whole Number
Allowable values: 0
– 600, 999

Whole Number

M181

M184

This line item is intended to be reported for both home equity
loans and lines of credit.
For a line of credit, the original loan term should be the
combined draw period and the amortized repayment period.
For the accounts from the commercial system that are due on
demand, the BHC or IHC or SLHC can leave this field blank. The
BHC or IHC or SLHC 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.
For loans in which there is no end date for the draw period
(e.g., "Evergreen" loans) use the value '999'.

111

Line
Item
No.
38

Line Item
Name
Bankruptcy
Flag

Next
Payment Due
Date

MDRM
(CCHE)
M194

M196

Detailed Description
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.

Allowed Values

Format, Line
Item Length

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

Character(1)

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

Numeric, to 5
decimals

YYYYMMDD

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

Original
Interest Rate

M185

Current
Interest Rate

M197

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

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.
For balloon loans in the process of paying off in a reporting
month, report the full amount due on the loan that is paying off.

Numeric, to 5
decimals
Character(1)
Whole Number

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

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
112

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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

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

Whole Number

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

Whole Number

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

Monthly
Draw
Amount

M249

Current
Credit Limit

M250

• 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.

Whole Number

113

Line
Item
No.
47

Line Item
Name
Loan Status
(MBA
method)

MDRM
(CCHE)
M251

Detailed Description
Report the status of borrower payments (Current, 30, 60, 90
etc.) of the loan. Please note that 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 that 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.

Allowed Values

Format, Line
Item Length

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

Character(1)

YYYYMMDD

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”.

Foreclosure
Referral Date

M203

Foreclosure
Sale Date

M202

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.
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

114

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

populate this line item with a 0 date value, or with any other
value.

Pre-Payment
Penalty Flag

M187

Pre-Payment
Penalty Term

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).

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

Character(1)

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

Character(1)

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.
52

Paid in full
Coding
(Retired
March 2013)
Foreclosure
Status

M205

M206

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

115

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

active in the month prior to the reporting month that were sold
at a foreclosure sale and taken into REO in the reporting month.
In the month the loan liquidates, code the field Foreclosure
Status as '2'.

Liquidation
Status

M252

• REO – Coded for any mortgage where the bank has obtained
title at foreclosure sale and the property is on the market and
available for sale. Also code instances where the bank has
obtained title but the availability for sale is not known.
Liquidation Status – Provide the liquidation method for any
loan that was liquidated during the reporting month.
• Not Paid In Full – Coded for any home equity loans having an
outstanding balance as of month-end as well as all active lines
of credit.
• Voluntary Payoff – Code all instances where the loan has been
paid in full by the borrower either through refinance, sale of the
property or principal payment in full.

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

Character(1)

YYYYMMDD

• 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.

Troubled
Debt

N185

• 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),

116

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Restructure
Date

Allowed Values

Format, Line
Item Length

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
(Retired
March 2020)
Capitalization

M219

Interest Rate
Frozen

M232

Principal
Deferred

M227

Detailed Description

M222

Numeric

Capitalization – Report whether the loan has been through
capitalization. Capitalization is defined as instances where
accrued and/or deferred principal, interest, servicing advances,
expenses, fees, etc. are capitalized into the unpaid principal
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.

N = No
Y = Yes

Character(1)

N = No
Y = Yes

Character(1)

N = No
Y = Yes

Character(1)

117

Line
Item
No.

Line Item
Name

SOP 03-3
Status

MDRM
(CCHE)

M234

(Purchased
Credit
Deteriorated
Status)

Workout
Type
Completed

Detailed Description
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.

Allowed Values

Format, Line
Item Length

N = No
Y = Yes

Character(1)

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

Numeric

Institutions that have adopted ASU 2016-13 should report in
field 60 whether any loans are accounted for as purchasedcredit deteriorated. If the loan is a PCD loan, this line item
should be a “Y”; otherwise it should be “N”.
M218

Note: None of the records should be left blank.
Workout Type Completed / Executed – Report the type of loss
mitigation activity.
This line item should be coded for any loan where a loss
mitigation effort has been successfully completed in the current
month. Successful completion is defined as the closing of loss
mitigation activities where the borrower has no remaining
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.
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).

118

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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 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.
Code 7 - Settlement is an agreement to accept as payment in full
of the debt an amount that is less than what is contractually
owed. Institutions sometimes negotiate settlement agreements
with borrowers who are unable to service their unsecured
open-end credit. In a settlement arrangement, the institution
forgives a portion of the amount owed. In exchange, the
borrower agrees to pay the remaining balance either in a lumpsum payment or by amortizing the balance over a several
month period.
Settlement programs are another type of workout program in
which the bank agrees to accept less than the full balance due
from a borrower in full satisfaction of the debt. As with any
other workout program, collectors should determine the
borrower's ability to repay under the settlement terms.
Code 8 - Use Workout Type=8 (Other) if a workout was
completed that is not included in any other option
(modification, repayment plan, deeds-in-lieu/short sales,
stipulated repayment, and settlement). This is meant to
capture any loss mitigation activity that does not fit into the
prior categories. Examples may include strategic refinances or
119

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

First
Mortgage
Serviced In
House

M253

Settlement
Negotiated
Amount

M254

Credit Line
Frozen Flag

M255

Detailed Description
changes to scheduled balloon-payments that do not operate
under modification agreements.
First Mortgage Serviced In House – Report any instance where
the first mortgage associated with the home equity loan/line is
serviced by your bank. Leave blank for any first lien home
equities.
Settlement Negotiated Amount – Report the settlement amount
(portion of the outstanding unpaid principal balance) agreed to
be paid by the customer.
For any loan or line where the “Settlement” option is selected
under the Workout Type Completed / Executed line item,
populate the total outstanding portion of the UPB that the
borrower has agreed to pay.
Credit Line Frozen Flag – Report whether the line of credit
frozen in the reporting month.
Identifies any line of credit that is in its draw period where the
credit line has been temporarily frozen, allowing no further
draws or increase in principal balance outstanding, in the
reporting month. This line item should continue to be coded as
“Y” for any month the credit line remains frozen until paid in
full or the line is reinstated. Important: Leave blank for home
equity loans.

Allowed Values

Format, Line
Item Length

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

Character(1)

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

Character(1)

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.
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”.
120

Line
Item
No.
65

Line Item
Name

MDRM
(CCHE)

Locked
Amount –
Amortizing –
LOC

M256

Locked
Amount –
Interest Only
– LOC

M257

Repayment
Plan Start
Date (Retired
March 2020)
Actual
Payment
Amount

M258

M259

Lockout
Feature Flag

M260

Detailed Description
Locked Amount – Amortizing – LOC – Report the amount of
credit line that has been locked and is now amortizing.

Allowed Values

Format, Line
Item Length

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

Whole Number

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

Whole Number

Actual Payment Amount – Report the actual dollar amount of
the principal and interest payment received in the reporting
month. Do not include fee payments.

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

Whole Number

Lockout Feature Flag – Report whether the line of credit that
has a lockout feature.

N = No
Y = Yes

Character(1)

For lines of credit, populate this line item with the total dollar
amount of the outstanding principal balance that has been
“locked’ and is now amortizing under independent loan terms.
Important: Leave blank for any home equity loan. Also leave
blank for any line of credit that does not have a lockout feature.
If a line of credit has a lockout feature and no balance is locked,
the line item should contain a zero.
Locked Amount – Interest Only – LOC – Report the amount of
credit line that has been locked. (Interest Only)
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.

Report any line of credit that contains a “lock-out” feature
whereby a portion of the outstanding principal balance on a
121

Line
Item
No.

Line Item
Name

Credit Line
Closed Flag

Interest Rate
Reduced

MDRM
(CCHE)

M261

M262

Detailed Description
line may be locked into an amortizing or interest only loan with
separate terms. Important: This line item should be left blank
for home equity loans. For home equity lines of credit, this line
item should only contain the values “Y’ or ‘N’.
Credit Line Closed Flag – Report any line of credit that is in its
draw period where the credit line has been closed, allowing no
further draws or increase in principal balance outstanding. The
status code should remain on the line until paid in full.
Important: Leave blank for home equity loans.
Note: A closed line is one where the borrower will never regain
use of the draw.
Report whether the interest rate has been reduced to be less
than the scheduled value through loss mitigation.

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)

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 or SLHC 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

122

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

through a 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.

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

123

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

the amortization term of the loan is being changed should be
“N”. If the loan is neither modified nor extended, or this is a line
of credit, this value should be left blank. A re-age is defined as a
situation when an account's delinquency status is changed by
collections or customer service as part of a loss mitigation
effort.
If 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

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 or SLHC
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 or SLHC should use the most recent estimate of
property value. If the BHC or IHC or SLHC has not refreshed the
value since loan origination, then use the origination value. If
the BHC or IHC or SLHC has updated a property’s value as part
of a re-subordination process, then it should report the

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

Numeric, to 2
decimals

124

Line
Item
No.
77

Line Item
Name

Modification
Type

MDRM
(CCHE)

M215

Detailed Description
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
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

0 Not Modified
7 2MP
8 Proprietary
Systematic
9 Proprietary Other
10 HAMP
13 HELOC Line
Renewal (Regular)

Format, Line
Item Length

Numeric

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 or SLHC current credit standards.
This code value applies when the borrower has entered into a
125

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

new contractual obligation with the lender and the HELOC
terms have changed.
HELOC Line Renewal (loss mitigation strategy) – Report any
lines that have been renewed and contract terms have changed
and the borrower does not meet the current BHC or IHC or
SLHC 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.
78

Last Modified
Date

M216

Report the date of the most recent modification.

YYYYMMDD

e.g. 125000 for
$125,000.00

Whole Number

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

Refreshed
Property
Value

M209

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.)
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.

126

Line
Item
No.

Line Item
Name

Refreshed
Property
Valuation
Method

MDRM
(CCHE)

M210

Detailed Description
Line item 79 Refreshed Property Value, line item 80 Refreshed
Property Valuation Method, and line item 81 Refreshed
Property Valuation Date all refers to the same refreshed
property valuation instance. If the property has been valued
subsequent to origination, please provide the most recent
property valuation date, the valuation method, and the
property value.
Report the valuation method for any refreshed values in line
item 79. Identifies the method by which the value of the
property was determined.
• Full appraisal – Prepared by a certified appraiser 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”
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.

Allowed Values

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

Format, Line
Item Length

Character(1)

127

Line
Item
No.
81

Line Item
Name

MDRM
(CCHE)

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

M267

Remaining
Term

Detailed Description

Allowed Values

Format, Line
Item Length

Report the date of the most recent property valuation.

YYYYMMDD

M161

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

Character(1)

M198

Report the remaining term of the loan in months.

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

M268

Whole Number

128

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

For HELOC it should be the combined draw period and the
repayment period.
In the case of commercial loans, report commercial demand
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 regardless of the reason for
suspension.
Flag indicating an active foreclosure suspension.
Note: The code value for this line item should follow public
reporting (SEC 10-K, etc.) of this item.

Property
Valuation

M940

Report the method used to determine the property value at
time of origination.

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

Character(2)

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.

Character(1)

1 = Full Appraisal

Character(1)

129

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Method at
Origination
(appraisal
method)

Detailed Description

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

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.

Allowed Values

Format, Line
Item Length

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

Character(1)

Applies to all loans regardless of workout type (Line item 61
Workout Type Completed/Executed)
The code values indicate:
Not in loss mitigation -If a loan is not in loss mitigation, then it
should be coded as “0”.

130

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

Active and performing – Refers to any loan that is currently in
loss mitigation and is performing to the terms of a selected
plan.
Active and non-performing – Refers to instances where a loan is
under a workout plan, as identified in Line item 61 Workout
Type Completed/Executed, but borrower has missed at least
one payment under the terms of the agreement.

Other
Modification
Action Type

M958

Broken – Populated for situations where the borrower has
defaulted on the terms of loss plan and the servicer has
removed the loan from loss mitigation. The broken flag should
remain with the account until the loan has been paid-in-full, remodified, or charged off.
Report any modification type not covered by the previous
categories.

N = No
Y = Yes

Character(1)

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.
Report for all loans with a value in Line item 77 Modification
Type. Otherwise, leave blank.
Note:
The modification action type categories already captured are
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.
91

Reason for
Default

This item has been removed and should not be reported.
131

Line
Item
No.
92

Line Item
Name
Third Party
Sale Flag

MDRM
(CCHE)
M941

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

Loss/Write
down
Amount
(Retired
March 2020)

M241

Loss/Write
down Date
(Retired
March 2020)

M947

Unpaid
Principal
Balance (Net)

M960

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
charge-off to date for the loan and not the partial charge-off
amount for the given reporting month. 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,IHCs and SLHCs should
provide whatever net balance is available in their accounting

Allowed Values

Format, Line
Item Length

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)

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

Whole Number

132

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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
other reason, this value should be left blank. This value should
equal the book value on regulatory filings.
Note: PCI loans will not include ASC 310-30 marks for this item.
If ASU 2016-13 has already been adopted, references to PCI or
ASC 310-30 are not applicable.
96

Performance
of First Lien
(Retired June
2016)

M961

Ever 90+
DPD in the
Past 12
months
(Retired
March 2020)

M950

Entity
Serviced

M945

Report the Federal Regulator of the BHC or IHC or SLHC
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.

1 = FRB
2 = OCC
3 = FDIC

Character(1)

Example: The ‘Entity Serviced’ should be segmented out by the
entities within the BHC or IHC or SLHC. 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
133

Line
Item
No.
99

Line Item
Name

Total Debt at
Time of any
Involuntary
Termination

MDRM
(CCHE)

M235

Detailed Description
BHC or IHC or SLHC that is not a federally insured bank, then
the ‘Entity Serviced’ is FRB (code value = 1).
Report the total debt at the time of any involuntary
termination. Total debt should be reported at gross, not net
values, and is comprised of:
1) Unpaid Principal Balance;

Allowed Values

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

Format, Line
Item Length

Whole Number

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.;
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.
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.
134

Line
Item
No.
100

Line Item
Name

Net Recovery
Amount

MDRM
(CCHE)

M236

Detailed Description
This line item is a required line item for portfolio loans and best
efforts for all others. Report NULL for any junior liens.
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.)

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 NULL for any junior liens.
Report the final sales price at which the property was disposed
by the BHC or IHC or SLHC in the case of involuntary
termination. Provide the same price as the BHC or IHC or SLHC
would submit to public records data.
In cases in which the home equity lender decides not to pursue
recourse to the property collateral, or charges off a loan
completely, report a 0 (zero) for this field.
Note: This line item is a required line item for portfolio loans
and best efforts for all others. Report NULL for any junior liens.

135

Line
Item
No.
102

103

104

105

Line Item
Name
Commercial
Loan Flag

Probability of
Default – PD

Loss Given
Default – LGD

Expected
Loss Given
Default –
ELGD

MDRM
(CCHE)
M951

M114

M115

M116

Detailed Description
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 or SLHCowned 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 or SLHCowned loans only.
Report the Expected Loss Given Default (ELGD) parameter for
the account as defined in the most recent capital framework.
More specifically, report the ELGD associated to the account’s
corresponding segment. Missing or unavailable values should
be left blank.

Allowed Values

Format, Line
Item Length

0 = No. This loan is
not a CRE or
commercial
business purpose
loan.
1 = Yes. This loan is
a CRE or
commercial
business purpose
loan.
A one in ten
probability of
default should be
reported as 0.1.

Character(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

If the BHC or IHC or SLHC generates this field, they are required
to report it. ELGD is an input into the LGD calculation.
136

Line
Item
No.

106

107

Line Item
Name

Exposure at
Default – EAD

Entity Type

MDRM
(CCHE)

M117

M952

Detailed Description
For ELGD, report the BHC’s, IHC’s or SLHC’s empirically based
best estimate of the long-run default-weighted average
economic loss, per dollar of EAD, the BHC or IHC or SLHC 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 or SLHC 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 or SLHCowned 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 or SLHCowned loans only.
Abbreviations:
LEQ: Loan-equivalent-exposure
CCF: Credit Conversion Factor
Report the registered entity type of the BHC or IHC or SLHC
subsidiary that owns the reported loan. If the loan is not owned
by the BHC or IHC or SLHC or its subsidiaries, report the entity
type as ‘Other.’

Allowed Values

Format, Line
Item Length

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

Whole Number

1 = National Bank
2 = State Member
Bank
3 = Nonmember
Bank
4 = State Credit
Union

Whole number

137

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

5 = Federal Credit
Union
6 = Non-bank
Subsidiary
0 = Other
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

R038

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.

Character(1)
Y= Yes
N = No
1=FICO
2=VantageScore
3=Other

Character(1)

Text String

Character(30)

1=FICO
2=VantageScore
3=Other

Character(1)

The current credit bureau score related fields are required for
portfolio loans and optional for loans that the BHC, IHC or SLHC
services for others.
138

Line
Item
No.
112

113

Line Item
Name
Current
Credit
Bureau Score
Version

Current
Credit
Bureau Score
Date

MDRM
(CCHE)
R039

S382

Detailed Description
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”).
The current credit bureau score related fields are required for
portfolio loans and optional for loans that the BHC, IHC or SLHC
services for others.
Provide the date on which the commercially available credit
bureau score reported in item 14 was obtained.

Allowed Values

Format, Line
Item Length

Text String

Character(30)

YYYYMMDD

Y-Yes
N-No

Character(1)

This field must be updated at least one month within the
quarter, and refreshed at least one month within every
subsequent quarter.
The current credit bureau score related fields are required for
portfolio loans and optional for loans that the BHC, IHC or SLHC
services for others.

114

Serviced by
Others (SBO)
Flag

R622

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

139

Line
Item
No.
115

116

Line Item
Name

MDRM
(CCHE)

Reporting As
of Month
Date

R623

Payment
Type at the
end of draw
period

R624

Detailed Description
Indicate the reporting as of month date.

Allowed Values

Format, Line
Item Length

YYYYMM

1=
Balloon: Outstandin
g principal is
immediately due at
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

Character(1)

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.

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

140

Line
Item
No.

117

Line Item
Name

National
Bank RSSD ID

MDRM
(CCHE)

JA26

Detailed Description

Report the RSSD ID of the national bank that has a financial
interest in the loan. For these purposes, a national bank
subsidiary is deemed to have a financial interest in a loan if it
owns the loan and/or services the loan.

Allowed Values
principal due at the
end of term.
4 = Other
repayment method.
RSSD ID of a
national bank
subsidiary is the
only valid value.

Format, Line
Item Length

Whole Number

For loans that are serviced by a National Bank subsidiary of the
BHC but owned by another entity, the respondent should report
the RSSD ID of the National Bank subsidiary that services the
loan. For loans that are owned by a National Bank subsidiary of
the BHC but serviced by another entity, the respondent should
report the RSSD ID of the National Bank subsidiary that owns
the loan. If a National bank subsidiary of the BHC both owns
and services the loan, the respondent should report the RSSD
ID of the National Bank subsidiary that both owns and services
the loan. If no National Bank subsidiary of the reporting BHC
either owns or services the loan, this field should be left blank
(null). In all cases, this field either would be left null or will
contain the RSSD ID of a chartered national bank that is a
subsidiary of the reporting BHC.
118

Charge-off
Amount

LE95

Cumulative amount charged off as of most recent charge-off
event.
If the account has experienced any charge-off, report the most
recent cumulative dollar amount charged-off. Continue to
report that same value each month unless another charge-off
event occurs. If another charge-off event occurs, update the
charge-off amount and date. The cumulative charge-off amount
can increase or decrease, depending on the nature of the

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

141

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

charge-off adjustment. If the account has not been charged-off,
do not report a value.
119

Charge-off
Date

LE96

Report the date of the most recent charge-off event for the
account.

YYYYMMDD

If the account has experienced a charge-off event, report the
most recent date a charge-off occurred. If the account has not
been charged-off, do not report a value.

142

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

Allowed Values
1 = Serviced
2 = Portfolio HFI
Purchased
Impaired16
3 = Portfolio HFI
FVO / HFS
4 = Other Portfolio
Current unpaid
balance at end of
the reporting
month.

Format, Line
Item Length
Character(1)

Whole Number

Report in millions
of dollars.

Institutions that have adopted ASU 2016-13 should report purchased credit-deteriorated loans in this segment.

143

Line
Item
No.
3

Line Item
Name
Loss / Writedown Amount

MDRM
(CCHE)
M241

Detailed Description

Allowed Values

Format, Line
Item Length

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. 17

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

Whole Number

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

Institutions that have adopted ASU 2016-13 report all cumulative lifetime write-downs and reversals of loan principal and interest recorded as chargeoffs against the allowance for credit losses on loans and leases, as defined in the FR Y-9C glossary entry for “allowance for credit losses on loans and
leases”. Also include all reversals of accrued but not collected interest, not directly changed against the allowance for credit losses on loans and leases.
17

144

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 or SLHCs 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,IHCs and SLHCs 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 or SLHC 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,IHCs and SLHCs 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.
145

C.1 Data Table
Line
Item
No.
1

Line Item Name
Loan Number

MDRM
(CCAM)
M142

Detailed Description

Allowed Values

Format, Line
Item Length

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 must be unique (piggy-backs should be separated).

A contributordefined
alpha-numeric value
up to
32 characters.

Character(32)

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 or SLHC 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 or SLHC 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 or SLHC 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.

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)

146

Line
Item
No.
3

Line Item Name

MDRM
(CCAM)

Property City

9130

Property State

9200

Property ZIP
Code

9220

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

Mailing Street
Address

9110

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

Mailing City

F206

Mailing State

F207

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.

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)

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

147

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)

148

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)

149

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 Y9C 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 $1 million in
committed balances then report on the FR Y-14Q Corporate Loan Schedule. Report at the control
account level or the individual pay level (not at the sub-account level). This includes SME credit card
loans that are those reported on the FR Y-9C, Schedule HC-C, item 4.a, and domestic business cards
reported in other FR Y-9C lines.
d. Corporate Credit Cards: Employer-sponsored credit cards for use by a company's employees. If the
commercial card account is classifiably managed, and either there is any individual/joint liability or
performance is reported to a credit bureau then report as a corporate card. This includes US
corporate credit card loans that are those reported on the FR Y-9C, Schedule HC-C, item 4.a, and
domestic corporate cards reported in other FR Y-9C lines.
e. Other: Other cards accounts to consumers, small business, or corporations reported in the FR Y-9C
in line items not represented above. Please do not include home equity lines of credit or other
revolving consumer loans other than credit cards.
Do not report data from international cards but include domestic cards, as defined by the FR Y-9C glossary
entry for “domestic offices”.
For all variables reported please report as blank if information is missing or unknown. Also, if a line item
does not apply to the loan, the line item should be left blank.
Account and loan-level files should sum up to the portfolio level. An amount, zero or null (be left blank)
should be entered for all items, except in those cases where other options such as “not available” or “other”
are specified. If information is not available or not applicable and no such options are offered, the line item
should be left blank. If the totals from the loan level are not equal to the totals from the portfolio level, BHCs
IHCs, and SLHCs should provide explanations.
Avoid account duplications.
For account level variables representing monetary value please use the U.S. Dollar ($) as the reporting
monetary unit.
For portfolio level variables representing monetary value please use millions of dollars ($ Millions) as
the reporting monetary unit.
In the case of closed or charged-off accounts, account information should be reported up to 24
150

FR Y-14M








months after the account's closure or charge off, if at the time of closure or charge-off the account had
a positive unpaid balance that needed to be repaid or recovered. Closed accounts that are only
partially charged-off and have a positive balance that needs to be repaid should continue to be
reported beyond 24 months until full repayment or fully charged off. Line item #61 (Charge-off
Reason code) can be used to identify charged off accounts. If the account was closed due to inactivity
or did not have a positive unpaid balance at the time of closure, do not continue reporting after the
month of closure.
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.

151

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.

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C:
Character
C18

Mandatory

C18

Customer ID does not need to be
consistent across all FR Y-14M schedules.
152

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Bank ID

BankId

9001

Period ID

PeriodId

9999

State

AccountState

M048

Zip Code

AccountZipCode

M049

Description

Report the RSSD ID of the BHC or IHC or
SLHC.
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 or U.S. Territory 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.

Static or
Dynamic

Mandatory
or Optional

Mandatory

Date
YYYYMMDD

Mandatory

Format
N: Numeric
C:
Character
N10

153

FR Y-14M

Line
Item
No.

Line Item
Name

Credit Card
Type

Technical Line
Item Name

CreditCardType

MDRM
(CCRS)

M050

Description

Data Format should include leading zeroes
WITH NO DASHES, e.g., 00901 and
101015271.
Report each account in one of the following
categories:

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

1 = General Purpose - can be used at a wide
variety of merchants, including any who
accept MasterCard, Visa, American Express
or
Discover credit cards. Include affinity, 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 loans have
154

FR Y-14M

Line
Item
No.

Line Item
Name

Product
Type

Technical Line
Item Name

ProductType

MDRM
(CCRS)

M051

Description

joint liability, then they should be reported
in the FR Y-14M Credit Card schedule. If the
employers are ultimately responsible for
repayment of the balances, there is no
individual liability and performance is not
reported to a credit bureau, then report
under the FR Y-14Q corporate loan
schedule.
5 = Others - Other cards accounts to
consumers, small business, or corporations
reported in the FR Y-9C in line items not
represented above. For small business or
corporate cards report cards for which
employees are financially responsible for
repayment of balances.
Report each account in one of the following
product types:

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

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
155

FR Y-14M

Line
Item
No.

Line Item
Name

Lending
Type

Technical Line
Item Name

LendingType

MDRM
(CCRS)

M052

Description

medical providers and carry terms not
typically available to general purpose
cards or private label cards).
Report each account in one of the following
categories.
1 = Consumer Bank Card - Regular
general purpose credit cards that can be
used at a wide variety of merchants,
including any who accept MasterCard,
Visa, American Express or Discover
credit cards. Include affinity and cobrand cards in this category, and student
cards if applicable. This product type
also includes private label or propriety
credit cards, which are tied to the
retailer issuing the card and can only be
used in that retailer’s stores. Include oil
& gas cards in this loan type, and student
cards if applicable.
2 = Consumer Charge Card - Consumer
credit cards for which the balance is
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.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

156

FR Y-14M

Line
Item
No.

Line Item
Name

Revolve
Feature

Network ID

Secured
Credit
Type

Technical Line
Item Name

RevolveFlag

NetworkId

CreditCardSecure
dFlag

MDRM
(CCRS)

M053

M054

M055

Description

4 = Non Consumer Charge Card – Small
business credit card or corporate credit
card for which the balance is repaid in full
in each billing cycle. A purchase charge
card issued by a corporation should be
categorized as a corporate card and it will
be categorized as a non-consumer charge
card based on the appropriate ‘lending
type’ categorizations.
Report whether the account has an
associated revolve feature i.e. where the
entire balance or part of the balance is not
required to be repaid in full at the end of
the billing cycle.
1 = Yes
0 = No
Report each account in one of the following
categories:
1 = Visa
2 = MasterCard
3 = American Express
4 = Discover
5 = Other
Report whether the card is included in a
program where any portion of the line is
secured by collateral.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

1 = Yes
0 = No
157

FR Y-14M

Line
Item
No.
13

Line Item
Name

Technical Line
Item Name

Loan
Source/Chan
nel

LoanChannel

MDRM
(CCRS)
M056

Description

Report the source or channel by which the
lender solicited or otherwise acquired the
account. The method of solicitation could
include direct mail, the internet, take-one
applications, or telemarketing. Report each
account in one of the following categories:

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C:
Character
N1

0 = Take-One Other application unsolicited accounts based on a
customer completing an internet,
magazine insert or event marketing
application.
1 = Pre-approved - accounts originated
under a program where the issuer solicits a
list of potential customers to which it will
make an offer of credit.
2 = Invitation to Apply "ITA" - accounts
originated based on a solicitation that
required a customer to undergo a full credit
review prior to approval.
3 = Take-One Branch application –
unsolicited accounts based on customer
completing an application obtained at bank.
4 = Accounts Purchased from a 3rd Party –
accounts added as a result of portfolio
acquisition or mergers. Do not include here
if already included in one of the above
channels.
5 = Other loan source known and not
included in 0– 4 above.
6 = Loan source unknown.
158

FR Y-14M

Line
Item
No.
14

Line Item
Name

Technical Line
Item Name

SOP-03-03
flag (or
Purchased
Credit
Deteriorated
Status)

SOP0303Flag

MDRM
(CCRS)
M234

Description

Report whether the loan is accounted for
under SOP 03-03 accounting. SOP 03‐3
accounting is now referenced in GAAP as
ASC 310‐30 accounting, as defined in the
FR Y-9C, Schedule HC-C, item M.5. Loans
subject to this accounting treatment are
purchased credit-impaired loans or loans
acquired in a transfer for which there is
evidence of deterioration of credit quality
since origination for which it is probable,
at acquisition, that the investor will be
unable to collect all contractually
required payments receivable.

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C:
Character
N1

Mandatory

N12.2

1 = Yes
0 = No
Institutions that have adopted ASU 2016-13
should report in field 14 whether any loans
are accounted for as purchased creditdeteriorated (PCD). If the loan is a PCD
loan, this line item should be a “1”;
otherwise it should be “0”.
15

Cycle Ending
Balance

CycleEndingBala
nce

M058

Cycle Ending
Balance Flag

CycleEndingBala
nceFlag

M059

Report the total outstanding balance for the
account at the end of the current month's
cycle.

159

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

(Retired
March 2018)
Accounts
Under
Promotion

PromotionFlag

Cycle Ending
Balances
Mix Promotio
nal

CycleEndingBala
ncePromotional

MDRM
(CCRS)

M060

M061

Description

Report accounts under promotion with a
positive promotional balance (Cycle
Ending Balances Mix – Promotional (Field
18) (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. Exclude accounts that have
been offered or are eligible for a promotion
but have not accepted the promotion.
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.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

If cycle ending balance information is not
available, report information at the
month-end reporting date.
Do not include balances under a workout
program.
160

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Cycle Ending
Balances
Mix Cash

CycleEndingBala
nceCash

M062

Cycle Ending
Balances
Mix Penalty

CycleEndingBala
ncePenalty

M063

Cycle Ending
Balance
s Mix Other

CycleEndingBala
nceOther

M064

Average
Daily
Balance
(ADB)
Total
Reward Cash

AverageDailyBala
nce

M065

TotalRewardCash

M066

Description

Static or
Dynamic

Mandatory
or Optional

Balances at a Cash Advance Rate - Report
any amount outstanding priced at cash
advance APR at the end of the current
month’s cycle. If cycle ending balance
information is not available, report
information at the month-end reporting
date.
Balances Subject to Default or Penalty
Pricing - Report any amount outstanding
subject to default or penalty pricing due to
performance at the end of the current
month’s cycle. If cycle ending balance
information is not available, report
information at the month-end reporting
date.
Report all other balances outstanding at the
end of the current month's cycle ending
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.

Mandatory

Format
N: Numeric
C:
Character
N12.2

Mandatory

N12.2

Mandatory

N12.2

Mandatory

N12.2

For accounts that offer cash, miles or other
Rewards, report the total equivalent dollar
amount of cash rewards accumulated as of
the reporting month.

Mandatory

N12.2

161

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

If the institution does not have access to
reward information owned by a partner,
the institution is not required to report
that information.
Institutions should report the cumulative
reward available to the customer as of the
reporting month.
The institution should report Net Cash
Reward. For purposes of this report, Net
Cash Award = Cumulative earned cash (or
cash equivalent) ‐ redeemed/forfeited
cash (or cash equivalent)
For Cards that do not offer rewards,
institutions should report “0”. For cards
that offer rewards but the net
accumulative balance for the month is
negative, institutions should report the
negative values as‐is.

Reward
Type

RewardType

M067

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.

162

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Account
Cycle
Date

AccountCycleEnd
Date

M068

Account
Origination
Date

AccountOriginati
onDate

M069

Acquisition
Date

AcqDate

M070

Description

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
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Date
YYYYMMDD

Mandatory

Date
YYYYMMDD

Mandatory

Date
YYYYMMDD

163

FR Y-14M

Line
Item
No.

Line Item
Name

Multiple
Banking
Relationship
s

Multiple
Credit
Card
Relationship
s

Technical Line
Item Name

MultipleBanking
RelationshipFlag

MultipleCardRela
tionshipFlag

MDRM
(CCRS)

M071

M072

Description

19000101, if the loan was not acquired,
report 19000102.
Report accounts that currently have
other non-credit card banking
relationships with the bank. Loans the
BHC/IHC owns, but does not service
should be included in the calculation
for this field. 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
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).

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

1 = Yes
0 = No
164

FR Y-14M

Line
Item
No.
30

Line Item
Name
Joint
Account

Technical Line
Item Name
JointAccount

MDRM
(CCRS)
M073

Authorized
Users

AuthorizedUsers

M074

Flagged as
Securitized

SecuritizedFlag

M075

Borrower's
Income at
Origination

BorrowerIncome

M076

Income
Source at
Origination

BorrowerIncome
Type

M077

Updated

UpdatedBorrowe
rIncome

Description

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. Leave blank for
closed/charged off accounts with or
without a balance.
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
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.

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C:
Character
N1

Mandatory

N12

Mandatory

1 = Individual
2 = Household
3 = Other
M078
165

FR Y-14M

Line
Item
No.

Line Item
Name
Borrower’s
Income
(Retired
March 2020)
Updated
Income
Source
(Retired
March 2020)
Date
Refreshed
Income
Obtained
(Retired
March 2020)
Originatio
n Credit
Bureau
Score for
the
primary
account
holder

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

UpdatedBorrowe
rIncomeType
M079
DateUpdatedBorr
owerIncome
M080

OriginalCreditSco
rePrimaryBorro
wer

M081

Report the credit score value of the primary
account holder at origination using a
commercially available credit bureau score
(for a definition of a commercially available
credit bureau score, see general
instructions, section H). Report the credit
score name in item 109 and list the credit
score version in item 116.
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

166

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

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.

Originatio
n Credit
Bureau
Score for
the co-

OriginalCreditSco
reCoborrower

M082

For Small Business Cards, provide the score
for the proprietor or primary business
owner. For Corporate Cards, provide the
score for the primary cardholder if
available. If the original Industry standard
score is not available, leave this line item
blank.
Report the 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

167

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

Bureau Score for the primary account
holder” (see line item 38).

borrower
(if any)

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.

Refreshed
Credit
Bureau
Score

RefreshedCreditS
corePrimaryBorr
ower

M083

Report the guarantor’s credit score if there
is no co-borrower or the credit score of the
co-borrower is not available and there is a
guarantor.
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.
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

168

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

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.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

FR Y-14M

Line
Item
No.

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

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

Mandatory

Optional

N10.6

Mandatory

N12.2

Mandatory

N12.2

Format
N: Numeric
C:
Character
Date
YYYYMMDD

A Shadow Limit can fluctuate based on the
outstanding balance of the account holder
during the course of a billing cycle.

Current
Credit
limit

CurrentCreditLim
it

M087

A Purchase Limit is the maximum
amount that can be purchased on an
account in a given billing cycle and is not
advertised to the account holder.
Report the maximum dollar amount that
may be borrowed on the account during the
reporting month. Report at the reporting
month's end. If no credit limit, report the

170

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

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.
A Shadow Limit is the maximum total
outstanding balance allowed on an
account and is not advertised to the
account holder. A Shadow Limit can
fluctuate based on the outstanding
balance of the account holder during the
course of a billing cycle.
A Purchase Limit is the maximum
amount that can be purchased on an
account in a given billing cycle and is not
advertised to the account holder.

45
46

Current Cash
Advance
Limit
Line Frozen
in the
current
month

CurrentCashAdva
nceLimit

M088

LineFrozenFlag

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
prohibited on the account in the current
reporting month.
1 = Yes
0 = No

171

FR Y-14M

Line
Item
No.
47

Line Item
Name
Line
Increase or
Decrease in
the
current
month

Technical Line
Item Name
LineIncreaseDecr
easeFlag

MDRM
(CCRS)
M090

Minimum
Payment
Due

MinimumPaymen
tDue

M091

Total
Payment
Due

TotalPaymentDu
e

M092

Description

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. Report the flag to
reflect the net change in credit limit, for
accounts that have both an increase and a
decrease of credit limit during the
reporting month. Leave blank for closed
accounts.
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.

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C:
Character
N1

Mandatory

N12.2

Mandatory

N12.2

172

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Next
Payment
Due Date

NextPaymentDue
Date

M093

Actual
Payment
Amount

ActualPaymentA
mount

M094

Total Past
Due

TotalPastDue

M095

Days Past
Due

DaysPastDue

M096

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. Leave blank if
no payment is due in the reporting month.
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.

Static or
Dynamic

Mandatory
or Optional

Mandatory

N12.2

Mandatory

N12.2

Mandatory

Format
N: Numeric
C:
Character
Date
YYYYMMDD

173

FR Y-14M

Line
Item
No.
54

Line Item
Name

Technical Line
Item Name

Account 60
Plus
DPD Last
Three
Years Flag
Interest
Type in
current
month
(Retired
March 2020)
APR at Cycle
End

Account60PlusDP
DLastThreeYears
Flag

FeeType

Month-end
Account
Status Active

MDRM
(CCRS)
M097

Description

Report whether an account was ever 60+
Days Past Due in the last 3 years.

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C:
Character
N1

Mandatory

N6.3

Mandatory

1 = Yes
0 = No
InterestType

M098

CycleEndingRetai
lAPR

M099

FeeTypeFlag

M100

MonthEndActive
Flag

M101

Report the purchase APR unless the
account is in default or workout. If the
account is in default then report the default
APR. If the account is in a workout program
(temporary or permanent), report the
workout APR.
Report whether monthly or annual fee is
assessed for the privilege of holding the
credit card.
0 = No fee
1 = Annual
2 = Monthly
3 = Other
Report whether the account has had any
debit, credit, or balance activity in the last
twelve months at month end.

174

FR Y-14M

Line
Item
No.

Line Item
Name

Month-end
Account
Status Closed

Technical Line
Item Name

MonthEndClosed
RevokedFlag

MDRM
(CCRS)

M102

Description

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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

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.
175

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Collection
Re-age
Date

CollectionReageD
ate

M103

Charge-off
Reason

ChargeOffReason
Code

M104

Gross
Charge-off
Amount –
Current

GrossChargeOffIn
CurrentMonthAm
ount

M105

Description

Charged off loans or closed loans are
required to be included up to twelve
months after they are closed or charged off.
Report the date of the last account re-age
performed by the collections department,
or in relation to any performance-related
delinquency.
Report the reason for charge-off and loss
recognition on an account in the current
month. This line item should be left blank
for accounts that have not been charged off.
1= Contractual - losses incurred as a
result of borrower's inability to make
full repayment under the contractual
terms of the account.
2= Bankruptcy - losses incurred as a
result of borrower's bankruptcy
proceedings.
3= Deceased - losses incurred as a
result of death of account holder.
4= Other - any other known reason.
5=Charge-off Reason Unknown - any other
charge- off, reason unknown.
6 = Fraud – losses as a result of fraud,
whether by account holder or a third party.
Report the total amount of gross chargeoffs on the account during the reporting
month, including charge-offs related to
principal, interest and fees. Report all gross

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Date
YYYYMMDD

Mandatory

N12.2

176

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Month

Recovery
Amount
– Current
Month

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

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

RecoveryAmount

M106

Value will only be populated in the month
charged-off.
Report the dollar amount of any balance
recovery from a previously charged-off
account collected during the month.
When possible assign recoveries at
account level, including bulk recoveries.
For example, in some instances it may be
reasonable to establish a relationship
between recoveries (or recovery rate) at
the account level, exposure at default, and
potentially other account characteristics.
This stated relationship can be used in
conjunction with observed losses at a
higher level of aggregation in order to
generate consistent losses at the account
level. This established relationship may
be model based in some cases or
judgmentally based in others.
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 all
recoveries, including those related to
acquired impaired loans.

177

FR Y-14M

Line
Item
No.
64
65
66
67
68

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

Bankruptcy
Flag

Loss sharing

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

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

Mandatory

Format
N: Numeric
C:
Character
N12.2

Mandatory

N12.2

PurchaseVolume

M107

CashAdvanceVol
ume

M108

BalanceTransferV
olume

M109

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

Mandatory

N12.2

ConvenienceChec
kAmount

M110

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

Mandatory

N12.2

AccountSoldFlag

M111

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

Mandatory

BankruptcyFlag

LossShare

M112

M113

1 = Yes
0 = No
Report whether a borrower has filed for
bankruptcy and bankruptcy process is
ongoing, or has filed for bankruptcy and has
completed the bankruptcy process.
Identifier should persist while the account
is reported.
1 = Yes
0 = No
Report accounts that are part of a loss
sharing agreement, as defined in the FR Y9C, Schedule HC-M, item 6.

178

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Probability of
Default - PD

Basel2PD

M114

Loss Given
Default LGD

Basel2LGD

M115

Expected
Loss Given
Default ELGD

Basel2ELGD

M116

Description

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
given default should be reported as 0.9.
This item is mandatory for firms subject to
the advanced approaches rule.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Optional

N6.5

Optional

N6.5

Optional

N6.5

179

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

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

Optional

Format
N: Numeric
C:
Character
N12.2

Optional

Mandatory

C18

For non-corporate card, leave blank.

180

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

MaxAPR

N033

Description

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
12 = SOFR 1mo
13 = SOFR 3mo
14 = SOFR 6mo
15 = SOFR 1yr
16 = SOFR Other
17 = SOFR Unknown Type
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,IHCs or
SLHCs may charge a consumer. For

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C:
Character
N2

Mandatory

N6.3

Mandatory

N6.3

181

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

accounts where the maximum APR is
unknown or the account is a fixed rate
account, this field should be left blank.
80

Rate Reset
Frequenc
y

RateResetFreq

N034

Promotional
APR

PromotionalAPR

N035

Cash APR

CashAPR

N036

Report the frequency for resetting the APR.
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 or SLHC does not have a reset
schedule, report option 6.
0 – Fixed rate no reset
1 – Monthly
2 – Every 2 months
3 – Every 3 months
4 – Every 6 months
5 – Every 12 months
6 – Others
Report the APR for the balance under
promotion with a positive promotional
balance (Cycle Ending Balances Mix –
Promotional (Line item 18)). 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

182

FR Y-14M

Line
Item
No.

Line Item
Name

Loss Share
ID

Technical Line
Item Name

LossShareId

MDRM
(CCRS)

N037

Description

corresponding to Line item 19 Cycle Ending
Balances Mix - Cash.
If the account is associated with a loss
sharing agreement, report a unique number
generated by the institution that can be
used to separately identify any reported
loan associated with a specific loss sharing
agreement. A unique ID should be
generated for each active sharing
agreement. The specific ID should be
consistent over time for as long as the
agreement remains active without a
relevant change in the terms of the loss
sharing agreement.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N7.5

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

Loss Share
Rate

LossShareRate

N038

Leave blank if the account is not
associated with a loss sharing agreement.
If the account is associated with a loss
sharing agreement, report the percentage
of credit loss that the reporting institution
will bear in the case of default. For example,
if the reporting institution bears 20.8% of
the credit losses in this portfolio report
0.208.

183

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

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

Other
Credits

OtherCredits

N039

Cycles Past
Due at
Cycle
Date
Cycles Past
Due at
MonthEnd

AccountCycleEnd
Delinquency

N129

AccountMonthEn
dDelinquency

N130

2 = Report the number two if the account
is associated with a loss sharing
agreement that is too complex to be
characterized by a simple loss share rate.
It is particularly important in this case
that the institution provides a written
summary of the relevant terms of each
loss sharing agreement. Additional
supporting documentation may be
requested if necessary.
Report the dollar amount of all credits
(other than cardholder payments) 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
Report the number of cycles the account is
past due on the last day of the current
reporting month

184

FR Y-14M

Line
Item
No.
88

89
90

MDRM
(CCRS)

Line Item
Name

Technical Line
Item Name

Finance
Charge
(Effective for
submission
of
June 2013
data)
Fees
Incurred Late
Fees
Incurred Over
Limit
Fees
Incurred NSF

FinanceCharge

N131

FeeNetLateAmou
nt

N132

FeeNetOverLimit
Amount

N133

FeeNetNSFAmou
nt

N134

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

FeeNetCashAdva
nceAmount

N135

FeeNetMonthlyA
nnualAmount

N136

FeeNetDebtSuspe
nsionAmount

N137

Description

Static or
Dynamic

Mandatory
or Optional

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

Format
N: Numeric
C:
Character
N12.2

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

Mandatory

N12.2

Mandatory

N12.2

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

Mandatory

N12.2

Mandatory

N12.2

Mandatory

N12.2

Mandatory

N12.2

185

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

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

Mandatory

N12.2

Mandatory

N12.2

Mandatory

of a job. Report fees posted during current
month's cycle.

Suspensio
n
95

Fees
Incurred –
Balance
Transfer

FeeNetBalanceTr
ansferAmount

N138

Fees
Incurred Other

FeeNetOtherAmo
unt

N139

Debt
Suspension
/Cance
llation
Program
Enrollment
Debt
Suspension
/Cance
llation
Program
Active

DebtWaiverProgr
amEnrolFlag

N140

DebtWaiverProgr
amActiveFlag

N141

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

Mandatory

Cycle-end
Account
Status Active

CycleEndActiveFl
ag

N142

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

186

FR Y-14M

Line
Item
No.

100

101

Line Item
Name

Cycle-end
Account
Status Closed

Skip-apayment

Technical Line
Item Name

CycleEndClosedR
evokedFlag

SkipaPaymentFla
g

MDRM
(CCRS)

N143

N144

Description

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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

187

FR Y-14M

Line
Item
No.

102

103

Line Item
Name

Credit Card
Workout
Program

Workout
Program
Type

Technical Line
Item Name

WorkoutProgram
Flag

WorkoutProgram
Type

MDRM
(CCRS)

N145

N146

Description

1 – Yes
0 – No
Report whether the account entered into
any type of workout program during the
current reporting month.
1 – Yes
0 – No
Report “No” if the BHC or IHC or SLHC 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 or
SLHC does not offer workout option.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

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
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

months, in recognition of short term
hardship.
4 - Settlement Programs - an agreement
where the lender will accept less than the
full balance outstanding to satisfy and close
the account.
5 - Other - any other workout arrangement.
6 - Not Applicable – includes Service
members Civil Relief Act (SCRA) programs

104

Workout
Program
Perform
ance
Status

WorkOutProgra
mPerformanceSt
atus

N147

Leave blank if the BHC or IHC or SLHC
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 or
SLHC 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, where the borrower is

189

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

Description

fulfilling all obligations as agreed,
reported in line item #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.
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 or SLHC 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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

Date
YYYYMMDD

190

FR Y-14M

Line
Item
No.

107

Line Item
Name

Principal
Chargeoff
Amount –
Current
Month

Technical Line
Item Name

PrincipalChargeO
ffInCurrentMonth
Amount

MDRM
(CCRS)

N150

108

Fraud in the
current
month

FraudFlag

N151

109

Original
Credit

OriginalCreditSco
reName

N152

Description

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”. 18 Do
not report write-downs related to fees,
finance charges and other non-principal
write-downs that are included in Gross
Charge-off Amount – CurrentMonth. Report
all charge-offs, including those related to
acquired impaired loans.
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

Institutions that have adopted ASU 2016-13 should refer to the definition for “Allowance for Credit Losses on Loans and Leases” in the FR Y-9C glossary.

191

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Bureau
Score
Name

110

Refreshed
Credit
Bureau
Score
Name

RefreshedCreditS
coreName

N153

Description

38. If the name of the commercially
available credit bureau score reported, or
mapped to, in item 38 is not among those
listed, please select “Other” and report the
name in item 116. List the version of the
credit score in item 116. If, and only if, a
commercially available credit score was not
provided in item 38 and the internal score
provided was not mapped to a
commercially available credit score, please
select “None”.
1.
FICO
2.
VantageScore
3.
Other
4.
None
List the name of the commercially available
credit score provided or mapped to in item
40. If the name of the commercially
available credit bureau score reported or
mapped to in item 40 is not among those
listed, please select “Other” and report the
name in item 117. List the version of the
credit score in item 117. . If, and only if, a
commercially available credit score was not
provided in item 40 and the internal score
provided was not mapped to a
commercially available credit score, please
select “None”.
1 - FICO
2 - VantageScore

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

192

FR Y-14M

Line
Item
No.

111

112

Line Item
Name

Behavioral
Score
Name/Ve
rsion
Credit Limit
Type

Technical Line
Item Name

MDRM
(CCRS)

BehavioralScore
NameVersion

N154

CreditLimitType

N155

Description

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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Optional

C30

Mandatory

A Shadow Limit is the maximum total
outstanding balance allowed on an account
and is not advertised to the account holder.
A Shadow Limit can fluctuate based on the
outstanding balance of the account holder
during the course of a billing cycle.
A Purchase Limit is the maximum amount
that can be purchased on an account in a
given billing cycle and is not advertised to
the account holder.
If the credit limit reported in 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.
1 = Purchase Limit
2 = Shadow Limit
193

FR Y-14M

Line
Item
No.
113

114
115

116
(Effecti
ve for
submis

Line Item
Name
Credit Line
Change
Type

Technical Line
Item Name
CreditLineChange
Type

MDRM
(CCRS)
N156

Date CoBorrower
Was Added
Entity Type

CoBorrowerAddD
ate

N157

EntityType

M952

Origination
Credit
Bureau

OriginalCreditScor
eVersion

R037

Description

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 or SLHC that owns the reported loan.
1 = National Bank
2 = State Member Bank
3 = Nonmember Bank
4 = State Credit Union
5 = Federal Credit Union
6 = Non-bank Subsidiary
0 = Other
Provide the version of the commercially
available credit bureau score reported or
mapped to in item 38 using the format
“score-name score-version” (for example,

Static or
Dynamic

Mandatory
or Optional

Mandatory

Optional

Date
YYYYMMDD

Mandatory

C30

Format
N: Numeric
C:
Character
N1

194

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

sion of
June
2014
data)

Score
Version

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

Refreshed
Credit
Bureau
Score
Version

RefreshedCreditSc
oreVersion

R039

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

Internal
Origination
Credit Score
Flag

InternalOrigScore
Flag

R040

119

Internal
Origination
Credit Score
Value
Internal
Refreshed

InternalOrigScore
Value

R041

InternalRefrScore
Flag

R042

120

Description

“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
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

C30

Mandatory

N6.3

Mandatory

N1
195

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Credit Score
Flag

121

122
123

Internal
Refreshed
Credit Score
Value
MonthEnding
Balance
National
Bank RSSD
ID

InternalRefrScore
Value

R043

MonthEndingBala
nce

JA25

NationalBankRSSD
ID

JA26

Description

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.
Report the total outstanding balance for the
account at the end of the current reporting
month.
Report the RSSD ID of the national bank
that has a financial interest in the loan. For
these purposes, a national bank subsidiary
is deemed to have a financial interest in a
loan if it owns the loan and/or services the
loan.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N6.3

Mandatory

N12.2

Mandatory

N10

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

report the RSSD ID of the National Bank
subsidiary that owns the loan. If a National
bank subsidiary of the BHC both owns and
services the loan, the respondent should
report the RSSD ID of the National Bank
subsidiary that both owns and services the
loan. If no National Bank subsidiary of the
reporting BHC either owns or services the
loan, this field should be left blank (null). In
all cases, this field either would be left null
or will contain the RSSD ID of a chartered
national bank that is a subsidiary of the
reporting BHC.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

197

FR Y-14M

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

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

BankId
PeriodId

BankId (PK)
PeriodId (PK)

9001
9999

Credit Card
Type

CreditCardType (PK)

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:

Static or
Dynamic

Mandatory
or Optional

S
D

Mandatory
Mandatory

Mandatory

Format
N: Numeric
C: Character
C18
Date
YYYYMMDD
N1

1 = General Purpose - can be used at a
wide variety of merchants, including
any who accept MasterCard, Visa,
American Express or Discover credit
cards. Include affinity, co-brand cards
in this category, and student card if
applicable.
2 = Private Label - also known as
Proprietary Credit Cards, are tied to
the retailer issuing the card and can
only be used in that retailer's stores.
Include oil & gas cards in this loan type,
and student cards if applicable.
3 = Business Card - Include small
business credit card accounts where
the loan is underwritten with the sole
proprietor or primary business owner
as applicant. Report at the control
account level or the individual pay
level (not at the sub-account level).
198

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. If loans have
joint liability, then they should be
reported in the FR Y-14M Credit
Card schedule.
Report portfolio level information in
one of the following
categories:

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C: Character

N
1

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.
199

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
3 = Non Consumer Card - Include small
business credit card accounts where
the loan is underwritten with the sole
proprietor or primary business owner
as applicant. Also, report Corporate
Card Employer-sponsored credit cards
for use by a company's employees.
4 = Non Consumer Charge Card –
Small business credit card or
corporate credit card for which the
balance is repaid in full in each
billing cycle.
Report the end of month managed
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4

200

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

serviced for others), to individuals for
household, family and other personal
expenditures arising from charges on
General Purpose or Private Label Credit
Cards. For Business Cards, this would
be the amount of extensions of credit to
individuals for business purposes. For
Corporate Cards this will be the amount
outstanding on Employer-sponsored
credit cards for use by a company's
employees.

Number of
Accounts

NumberAccount

M121

Total
Number of
New
Accounts
ALLL
Managed
Balance19

NumberNewAccounts

M122

ALLLManagedBalance

M123

Description

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

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Institutions that have adopted ASU 2016-13 should report the “ACL Managed Balance” in field 9: the allowance for credit losses on loans and leases assigned to the
managed credit card portfolio at the end of the month.
19

201

FR Y-14M

Line Item
Name

ALLL
Booked
Balance20
Projected
Managed
Losses
Projected
Booked
Losses
Managed
Gross
Charge- offs
for the
current
month

ALLLBookedBalance

M124

ProjectedManagedLos
ses

M125

ProjectedBankowned
Losses

M126

ManagedGrossCharge
Offs

M127

Booked Gross
Charge-offs
for the

OnBalanceSheetGross
ChargeOffs

M128

11
12
13

Technical Line
Item Name

MDRM
(CCRS)

Line
Item
No.

Description
maintained for securitized assets, if any.
The managed portfolio is defined as all
the credit card loans institutions own,
service, or manage for others on and/or
off their balance sheets.
Report the amount of the ALLL assigned
to the bank-owned credit card portfolio
at the end of the month.
Report the estimated dollar amount of
losses for the next 12 months for the
entire managed portfolio.
Report the estimated dollar amount of
losses for the next 12 months 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 all gross chargeoffs, including those related to acquired
impaired loans.
Report the dollar amount of gross
charge-offs recognized in reporting
month for bank-owned receivables.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Institutions that have adopted ASU 2016-13 should report the “ACL Booked Balance” in field 10: the allowance for credit losses on loans and leases assigned to the
bank-owned credit card portfolio at the end of the month.
20

202

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

current
month

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

ManagedBankruptcyC
hargeOffAmount

M129

OnBookBankruptcyCh
argeOffAmount

M130

ManagedRecoveries

M131

Booked
Recoveries

BookedRecoveries

M132

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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

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

Mandatory

N12.4

Report amounts recovered on credit
card loans previously charged-off,
including those related to acquired
impaired loans, for the entire managed
portfolio in the current reporting
month.
Report all recoveries for prior
charge-offs, including those related to
acquired impaired loans, on bankowned receivables, recognized

Mandatory

N12.4

Mandatory

N12.4

203

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Managed
Principal
Recovery
Amount

ManagedPrincipalRec
overyAmount

M133

Managed
Interest and
Fees
Recovery
Amount
Booked
Principal
Recovery
Amount

ManagedInterestReco
veryAmount

M134

BookedPrincipalReco
veryAmount

M135

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

BookedInterestRecov
eryAmount

M136

InterestAndFeeCharg
eOffAmount

M137

Description
through the ALLL, in the current
reporting month. 21
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.
Report the total amount of any writedowns, fee waivers or reversal of loan
interest and fees on the credit card
receivables during the reporting

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

Institutions that have adopted ASU 2016-13 should report all recoveries for prior charge-offs on bank-owned receivables, recognized through the allowance for credit
losses on loans and leases in the current reporting month.
21

204

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

Loan Loss
Provision
Expense

LoanLossProvisionEx
pense

Loan Loss
Provision
Taken

ProvisionExpenseTak
en

Loan Loss
Provision
Build

ProvisionExpenseBuil
d

MDRM
(CCRS)

M138

M139

M140

Description
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. 22
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.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

Institutions that have adopted ASU 2016-13 should include those charged against the allowance for credit losses on loans and leases.

205

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

Provision build equals: provision
expense + recoveries - charge-offs
against the ALLL. 23
Reporting procedures may vary across
Banks. Typically
Loan Loss Provision Expense (Line
item 24) will be the sum of Loan Loss
Provision Taken (Line item 25) and
Loan Loss Provision Build (Line item
26).

Extraordinary ExtraOrdinaryItems
Items

M141

Interest
Expense

InterestExpense

N158

Total NonInterest

TotalNonInterestExpe
nse

N159

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.

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

For Institutions that have adopted ASU 2016-13, provision build equals: provision expensive plus recoveries minus charge-offs against the allowance for credit losses
on loans and leases.
23

206

FR Y-14M

Line
Item
No.
30

Line Item
Name
Expense
Total NonInterest
Expense Interchange
Expense
Total NonInterest
Expense Rewards/Re
bates
Expense
Total NonInterest
Expense Collections
Expense
Total NonInterest
Expense Fraud
Expense
(Effective
for
submission
of June 2013
data)
Total NonInterest
Expense - All

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

InterchangeExpense

N160

Report the interchange expense fees
paid to the card associations.

Mandatory

N12.4

RewardsExpense

N161

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

Mandatory

N12.4

CollectionsExpense

N162

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

Mandatory

N12.4

FraudExpense

N163

Report losses incurred as a result of
fraudulent activity.

Mandatory

N12.4

OtherNonInterestExp
ense

N164

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

Mandatory

N12.4

207

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Other
Expenses

Interest
Income

InterestIncome

N165

Fee Income

TotalFeeIncome

N166

Description
interchange, processing payments, card
issuing, authorizations, card
administration and outside
services/outsourcing expenses, etc.
Report total interest accrued and billed
on credit card receivables for the
month, less any interest waived or
reversed as uncollectible or any
amount added to a contra- asset
account for uncollectible interest that
the bank maintains and reports
separately from the ALLL. 24 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. 25 Interchange, annual
and debt suspension/cancellation fees
should not be reported here.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4

Institutions that have adopted ASU 2016-13 should report total interest accrued and billed on credit card receivables for the month, less any interest waived or
reversed as uncollectible or any amount added to a contra-asset account for uncollectible interest that the bank maintains and reports separately from the allowance for
credit losses on loans and leases.
25 Institutions that have adopted ASU 2016-13 should 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 allowance for credit losses on
loans and leases.
24

208

FR Y-14M

Line
Item
No.
37
38
39

40
41

42
43

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character
N12.4

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

LateFeeIncome

N167

Report net fees assessed for late or
nonpayment accounts.

Mandatory

OverLimitFeeIncome

N168

Report fees assessed for accounts going
over established credit limits.

Mandatory

N12.4

BalanceTransferFeeIn
come

N169

Mandatory

N12.4

Fee Income Convenience
Check Fee
Fee Income Cash Advance
Fee
(Effective for
submission
of June 2013
data)
Fee Income NSF Fee
Fee Income Other Fee
Income

ConvenienceCheckFee
Income

N170

Mandatory

N12.4

CashAdvanceFeeInco
me

N171

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.

Mandatory

N12.4

NSFFeeIncome

N172

Mandatory

N12.4

OtherFeeIncome

N173

Mandatory

N12.4

Interchange
Income

InterchangeIncome

N174

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.

Mandatory

N12.4

209

FR Y-14M

Line
Item
No.
45

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

All Other
Non-Interest
Income

OtherNonInterestInco
me

N175

Taxes

N176

Description
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

Mandatory

Format
N: Numeric
C: Character
N12.4

N12.4

210

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