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FR Y-14M

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Modified September 2022

OMB No. 7100-0341
Expiration Date: September 30, 2029

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

This Report is required by law: sections 5(b) and 5(c) of the Bank Holding Company Act of 1956 (12
U.S.C. §§ 1844(b) and 1844(c)), section 165 of the Dodd-Frank Wall Street Reform and Consumer
Protection Act (“Dodd-Frank Act”) as amended by sections 401(a) and (e) of the Economic Growth,
Regulatory Relief, and Consumer Protection Act (“EGRRCPA”) (12 U.S.C. § 5365), section 10(b) of the
Home Owners’ Loan Act as amended by sections 369(8) and 604(h)(2) of the Dodd-Frank Act (12 U.S.C.
§ 1467a(b)), section 102(a)(1) of the Dodd-Frank Act (12 U.S.C. § 5311(a)(1)), section 401(g) of
EGRRCPA (12 U.S.C. § 5365 note), and section 8 of the International Banking Act of 1978 (12 U.S.C. §
3106).
Public reporting burden for this information collection is estimated to average 1,04971 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 of the Board, Mailstop M-4775, 2001 C St 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 .............................................................................................................................................................. 73

Schedule B: Domestic Home Equity Loan and Home Equity Line Data Dictionary ....................................................... 74
B.1 LOAN/LINE LEVEL TABLE .............................................................................................................................................................. 77
B.2 PORTFOLIO LEVEL TABLE ............................................................................................................................................................ 120

Schedule C: Address Matching Loan Level Data Collection ......................................................................................... 122
C.1 DATA TABLE ............................................................................................................................................................................. 123

Schedule D: Domestic Credit Card Data Collection Data Dictionary ............................................................................ 128
D.1 LOAN LEVEL TABLE .................................................................................................................................................................... 130
D.2 PORTFOLIO LEVEL TABLE ............................................................................................................................................................ 175

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 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

1 Covered SLHCs are SLHCs that are not substantially engaged in commercial or insurance activities.

238.2(ffee) (definitions of “covered savings and loan holding company”).

See 12 CFR 217.2;

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 requirements2: 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. The materiality thresholds are
determined by the four-quarter average of 1) asset balances or 2) the ratio of asset balances to
Tier 1 capital. The four-quarter average is calculated using the asset balances or ratio of asset
balances to Tier 1 capital as of the end of each of the four most recent quarters
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. The materiality
thresholds are determined by the four-quarter average of 1) asset balances or 2) the ratio of
asset balances to Tier 1 capital. The four-quarter average is calculated using the asset balances
or ratio of asset balances to Tier 1 capital as of the end of each of the four most recent quarters
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

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.
2

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)).
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. The reporting of information
associated with ASU 2016-13 was fully phased in and reflected on the reporting forms and instructions
as-of the FR Y-14 report for March 2024.
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,3 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.4
• 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 One Agile Supervision Solution (OASiS)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

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.
3
4

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.
For a commercially available credit bureau score to qualify for submission in this schedule, the Federal
Reserve must be able to obtain sufficient information from the credit score vendor to (a) determine
whether the credit score is empirically derived and demonstrably sound (b) evaluate the performance of
the credit score and (c) compare that performance to other commercially available credit bureau scores.
The Federal Reserve reserves the right to determine whether a credit score qualifies as a commercially
available credit bureau score for the purposes of this schedule.
Most Recent Capital Framework:
For all items and instructions related to regulatory capital, particularly where the “most recent capital
framework” is referenced, respondents should refer to 12 CFR parts 208, 217, and 225.

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

•

•
•
•
•
•

The relevant loan population includes all loans directly held on the BHC’s, 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 Credit Deteriorated – All portfolio loans/lines acquired with
deteriorated credit quality and accounted for in accordance with ASC subtopic 326.
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 credit
deteriorated, 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.
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.

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’, ‘<space>1’, ‘1<space>’, 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.
o

•

File Naming Convention:
BHCs, IHCs, and SLHCs must use the following naming convention when submitting data files to the data
aggregator.
FRY14_FIRSTLIEN_LOANLEVEL_<ID_RSSD>_<AS_OF_MON_ID>_<SUBMISSION_NUMBER>.TXT
FRY14_FIRSTLIEN_PORTFOLIOLEVEL_<ID_RSSD>_<AS_OF_MON_ID>_<SUBMISSION_NUMBER>.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 Line Item Name
Item
No.
1
Loan Number

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M142

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

Character
(32)

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.
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.
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.

Line Line Item Name
Item
No.
2
Loan Closing
Date

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M143

YYYYMMDD

Two-letter postal
codes for the state.

Character (2)

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

Character (5)

Loan Closing Date – Report the date the loan originally closed.
If the loan closing date is not available, then the origination
date on the loan can be used instead to populate this line item.
This line item will be used to determine the loan’s vintage.

First Payment
Date

Property State

M144

9200

First Payment Date – Report the date the borrower was
scheduled to make the first payment on the loan, or first
started making payments on the loan.
This line item may be provided on a best efforts basis for loans
serviced for others and loans acquired through mergers and
acquisitions.
Property State – Report the state in which the property is
located.
If a loan is secured by two properties in different states and is
flagged as a commercial loan in the Commercial Loan Flag
field, then leave the Property State field blank.

Property ZIP
Code

9220

For properties located outside of the United States, code this
value as “FF”.
Property Zip Code – Report the five-digit ZIP code.
For properties located outside of the United States, report the
two letter country code in this field.

Or
13

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Two- character
country code (for
properties outside
of the United
States)Five-digit,
Include leading
zeroes, e.g.: 00901,
10101
Original Loan Amount Disbursed – Report the dollar amount of e.g., 125000 for
the funds disbursed to the borrower at the time of loan
$125,000.00
closing.
Use banker’s
rounding.
Amount of loan rounded to the nearest whole dollar.

Format, Line
Item Length

Original Loan
Amount
Disbursed

M147

Whole
Number

Original Property
Value

M148

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.

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

Whole
Number

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%

Numeric, to 2
decimals

Line Line Item Name
Item
No.
9
Original
Combined LTV

Income
Documentation

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M150

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)

M151

Original Combined LTV – Report the original combined loanto-value (CLTV) ratio, which is the original first loan amount
and any junior liens at the time of origination divided by the
lesser of the selling price or the appraised value of the
property securing the mortgage at origination.
This line item may be provided on a best efforts basis for loans
serviced for others and loans acquired through mergers and
acquisitions.
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 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 Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

Whole Number,
e.g., 36, 42

Whole
Number

Whole Number,
e.g., 36, 42

Whole
Number

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 DTI ratio. This ratio is the
percent of a borrower’s total monthly debt payments
(including proposed housing expenses) divided by his or her
gross monthly income, used to determine the mortgage
amount that qualifies a borrower.
This line item may be provided on a best efforts basis for loans
serviced for others and loans acquired through mergers and
acquisitions.

Debt to Income
(DTI) Front-End
at Origination

M153

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

Line Line Item Name
Item
No.
13 Origination
Credit Bureau
Score

MDRM Detailed Description
(CCFL)

Occupancy

M155

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

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.

M154

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.

Please note that this is a servicer-defined line item.

Allowed Values

Provide as a whole
number, e.g.759

Format, Line
Item Length
Whole
Number

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

Character(1)

Loan Type Coding
1 = FHA
Residential
2 = VA Residential
3 = Conventional

Character(1)

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.

Loan Type

M157

These definitions should be consistent across time periods
within a single FR Y-14M submission and consistent across
multiple FR Y-14M submissions over time.
Report the product group (i.e. loan type). Loan type should
reflect the loan type at the time of origination.
Loan Type will generally be coded as Conventional with PMI,
Conventional without PMI, FHA Residential, or VA Residential.

Line Line Item Name
Item
No.

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

Allowed Values

Format, Line
Item Length

without Private
Mortgage
Insurance
4 = CRA
5 = FHA Project
6 = Conventional
with Private
Mortgage
Insurance
7 = HUD 235 Loans
Y = Other
U = Unknown

• FHA Residential - Loans insured by the Federal Housing
Administration
• VA Residential - Loans insured by the Department of
Veterans Affairs
• Conventional without Private Mortgage Insurance Conventional w/o PMI – Mortgages with neither government
nor private mortgage insurance
• CRA (Community Reinvestment Act)
•FHA Project
•Conventional with Private Mortgage Insurance - Conventional
with PMI – Non-government insured mortgages insured by a
private (non-government) insurer
• HUD 235 Loans
18

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

• Other
• Unknown
17

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

Character(1)

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

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

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

Product Type
1 = Fixed 30
2 = Fixed 20
3 = Fixed 15
4 = ARM 2
5 = ARM 3

Character(2)

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 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.

Product Type Current

M160

• Wealth Management/Private Banking – report all loans
originated through a servicer’s private wealth management or
private banking division.
Product Type –Report the product type as of the reporting
month.
Identifies the product type of the mortgage including the
interest type, amortization term and initial fixed period for

Line Line Item Name
Item
No.

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

Allowed Values

Format, Line
Item Length

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

Fixed 10 – Fixed rate amortizing loans with a 10-year loan
term. Also include fixed rate loans where loan term is less than
10 years.
Fixed 40 – Fixed rate amortizing loans with a 40-year term.
Also include fixed rate loans where loan term is greater than
30 and less than 40 years.
Fixed Greater than 40 - Fixed rate loans with loan term greater
than 40 years.
Fixed Other – Fixed rate loan 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.
21

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

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.
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).

Line Line Item Name
Item
No.
20 Loan Purpose
Coding

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M161

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

Character(1)

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

Number of Units

M162

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

Character(1)

Line Line Item Name
Item
No.
22 Mortgage
Insurance
Coverage Percent
at Origination
23

Property Type

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M163

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

Numeric, to 2
decimal
places

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

Character(1)

Whole Number

Whole
Number

M164

Report the mortgage insurance coverage percent at
origination for loans with loan level mortgage insurance
coverage.
This field should remain unchanged even if the insurance
coverage is changed or removed in future months.
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.

Balloon Flag

M165

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

Balloon Term

M166

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).

Character(1)

Line Line Item Name
Item
No.
26 Buy down Flag
(Retired March
2020)

MDRM Detailed Description
(CCFL)

M168

Interest Only at
Origination

Allowed Values

Format, Line
Item Length

Y=Yes
N=No
U=Unknown

Character(1)

Y=Yes
N=No
U=Unknown

Character(1)

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

Numeric, up
to 5 decimals

Whole Number

Whole
Number

M167

Interest Only at Origination Flag – Report whether the loan
was an IO loan at the time of origination.
That is, at origination, was the normal monthly payment for
the loan just interest.

Recourse Flag

M169

ARM Initial Rate

M170

An interest only (IO) mortgage is a nontraditional mortgage
which allows the borrower to pay only the interest due on the
loan for a specified number of years, and whose interest rate
may fluctuate or be fixed. After the interest-only period, the
rate may be fixed or fluctuate based on the prescribed index,
with payments including both principal and interest.
Report whether there is recourse on a loan. Recourse on a loan
refers to terms in the mortgage contract that give the owner of
the note the right to pursue additional claims against the
borrower beyond possession of the property.
Report the initial interest rate on the loan.

ARM Initial Rate
Period

M171

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.

Line Line Item Name
Item
No.
31 ARM Periodic
Interest Reset
Period

ARM Index

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M172

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
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

Character(2)

M173

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

Line Line Item Name
Item
No.

ARM Margin at
Origination

MDRM Detailed Description
(CCFL)

M174

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

Allowed Values
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
B1 = BSBY 1mo
B2 = BSBY 3mo
B3 = BSBY 6mo
B4 = BSBY 1yr
B5 = BSBY
Unknown Type
BZ = BSBY Other
Provide as a
fraction. E.g.:
0.0575 for 5.75%

Format, Line
Item Length

Numeric, up
to 5 decimals

Line Line Item Name
Item
No.
34 ARM Negative
Amortization %
Limit

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M175

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

Numeric, up
to 5 decimals

ARM Periodic
Rate Cap

M176

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

Numeric, up
to 5 decimals

ARM Periodic
Rate Floor

M177

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

Numeric, up
to 5 decimals

ARM Lifetime
Rate Cap

M178

Absolute rate floor (not spread from original)
ARM Lifetime Rate Cap

Numeric, up
to 5 decimals

ARM Lifetime
Rate Floor

M179

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

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 – 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- 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.

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.

Line Line Item Name
MDRM Detailed Description
Item
(CCFL)
No.
39 ARM Periodic Pay M180 Report the cap on monthly payments for adjustable rate
Cap
mortgages. All of the ARM interest rate and payment variables
should be populated with the origination values.

Allowed Values

Format, Line
Item Length

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

Numeric, up
to 5 decimals

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.

ARM Periodic Pay M181
Floor

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.

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

Numeric, up
to 5 decimals

Option ARM Flag

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

Y=Yes
N=No

Character(1)

M182

For example, each month, the borrower may choose: a
minimum payment option based on a ‘‘start’’ or introductory
interest rate, an interest-only payment option based on the
fully indexed interest rate, or a fully amortizing principal and
interest payment option based on a 15-year or 30-year loan
term, plus any required escrow payments.
Payments on the minimum payment option can be less than
the interest accruing on the loan, resulting in negative
amortization. The interest-only option avoids negative
amortization, but does not provide for principal amortization.
29

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

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

Negative
Amortization
Flag

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.

Y=Yes
N=No

Character(1)

Original Loan
Term

M184

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

Whole Number
Allowable values: 0
– 600

Whole
Number

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

Numeric, up
to 5 decimal
places

Original Interest
Rate

M185

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

Line Line Item Name
Item
No.
45 Principal and
Interest (P&I)
Amount at
Origination

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M186

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

Whole
Number

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

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.

Y=Yes
N=No
U=Unknown

Character(1)

Pre-Payment
Penalty Term

M188

Pre-Payment Penalty Term (In Months)

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

Whole
Number

Provider as a
whole number, e.g.
723

Whole
Number

Current Credit
Bureau Score

Report the time period from loan origination that a
prepayment penalty applies (if applicable).

M189

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.
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.
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 Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

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.

Interest Only in
Reporting Month

M190

This field must be updated at least one month within the
quarter, and refreshed at least one month within every
subsequent quarter.
Interest Only in Reporting Month – Report whether the
minimum payment in the reporting month represents only the
interest due on the loan.
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 (nonGovernment, 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.

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

N = Was not Option
ARM in the
reporting month
Y = Was Option
ARM in the
reporting month
N = Not in
bankruptcy in
reporting month
Y = In bankruptcy
in reporting month

Character(1)

• 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

Option ARM in
Reporting Month

M193

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

Bankruptcy flag

M194

Bankruptcy flag – Report all loans where the servicer has been
notified of the borrowers’ bankruptcy declaration.
Indicates whether the borrower is in bankruptcy as of the end
of the reporting month. Respondents should include coborrowers.

Character(1)

Line Line Item Name
Item
No.
54 Bankruptcy
Chapter

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M195

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

Character(2)

YYYYMMDD

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

Numeric, up
to 5 decimals

Whole Number

Whole
Number

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

M196

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

Current Interest
Rate

M197

Remaining Term

M198

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

Report the remaining term of the loan in months.
Note: For the Remaining Term line items in the FR Y‐14M First
Lien and Home Equity schedules, a value of 0 should be
assigned if a loan is past maturity.

Line Line Item Name
Item
No.
58 Scheduled
Principal Balance
Amount (Retired
March 2020)

MDRM Detailed Description
(CCFL)

M200

Principal and
Interest (P&I)
Amount Current

Allowed Values

Format, Line
Item Length

Whole Number
e.g.,

Whole
Number

M199

Principal and Interest (P&I) Amount Current – Report the
scheduled principal and interest due from the borrower in the
reporting month.
A loan in the process of paying off in a reporting month can be
reported with a value of 0 for P&I due in that month. For
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.

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

In the case where mortgage bills quarterly rather than
monthly, report the line item with a zero value for the off
quarter months. Also, if a new loan does not bill until the
following month, then report the amount as 0 for the current
reporting month submission.
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.
35

Line Line Item Name
Item
No.
60 Unpaid Principal
Balance

Foreclosure Sale
Date

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M201

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

Whole
Number

M202

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

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.

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

YYYYMMDD

Note: If a loan is not in foreclosure, then the Foreclosure Sale
Date line item (Line item 61), Foreclosure Referral Date line
item (Line item 62) should be blank, i.e. null value. Do not
populate this line item with a 0 date value, or with any other
value.
Populate the date for any loan that has completed foreclosure
sale whether or not the title was acquired by the bank. For the
borrower that is in a state that allows for right of redemption,
you should still report the appropriate foreclosure sale date on
that loan.

Line Line Item Name
Item
No.
62 Foreclosure
Referral Date

Foreclosure
Suspended

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M203

YYYYMMDD

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

Character(1)

M204

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

Paid-in-Full
Coding

M205

Report the liquidation method for any loan that was liquidated
during the reporting month.
If a commercial loan is still awaiting interest and fees, report
as "0".
• Not Paid In Full – Coded for any home equity loans having an
outstanding balance as of month-end as well as all active lines
of credit.

Character(1)

• 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.
37

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

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

Character(1)

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

Foreclosure
Status

M206

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

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

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

Character(1)

YYYYMMDD

month. . In the month the loan liquidates, 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’.

Repurchase
Request Date

M208

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

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

The repurchase request date is the date of repurchase
requested by the counterparty.
68

Refreshed
Property Value

M209

Refreshed property value – Report the most current property
e.g. 125000 for
value if updated subsequent to loan origination. Only provide a $125,000.00
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.)

Whole
Number

Refreshed values are expected to be populated for modified
loans only and the information to be collected at the time
modification terms are being set. These are optional for other
loans.
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 Line Item Name
Item
No.
69 Refreshed
Property
Valuation Method

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

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

Character(1)

YYYYMMDD

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
• 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”

Most Recent
Property
Valuation Date

M211

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, 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.

Line Line Item Name
Item
No.
71 Refreshed CLTV
After
Modification

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M212

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

Numeric, up
to 2 decimals

Whole Number

Whole
Number

Whole Number

Whole
Number

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

Refreshed DTI
Ratio (Back-end)

M213

Provide the CLTV that was used to evaluate and approve the
modification. The reported value should reflect the CLTV used
during the modification process or soon afterward. This value
should not be updated with subsequent CLTV values.
Refreshed DTI Ratio (Back-end) – Report the refreshed Back end DTI Ratio.
Refreshed values are expected to be populated for modified
loans only and the information to be collected at the time
modification terms are being set. These are optional for other
loans.

Refreshed DTI
Ratio (Front-end)

M214

Back-end DTI ratios give the percentage of monthly income
necessary to cover all of the borrower’s debt obligations.
Refreshed DTI Ratio (Front-end) – Report the refreshed Frontend 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 Line Item Name
Item
No.

Modification
Type

MDRM Detailed Description
(CCFL)

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.
Modification Type should be filled out for all months the loan
is currently operating under modified terms (including the
month where Workout Type Completed =1).
If a loan is not operating under modified terms, this field
should be populated as "0 = Loan has not been modified".
Report the code that reflects the current modification
arrangement using all information available. If no information
is available, code as 99=Other.
This field will be filled out if Line 77 - Workout Type
Completed = 1 (Modification)
Code 21 Principal deferral – code this line item if the
modification results in deferred principal. This should also
include principal write-downs.
Code 22 Rate Reduction/ Rate Frozen – code this line item if
the modification results in an interest rate reduction or if the
interest rate was frozen at a lower rate than if allowed to
adjust (for ARMs).

Allowed Values

Format, Line
Item Length

0 = Loan has not
Numeric
been modified
6 = ASF Streamline
(Retired)
8 = FHFA
Streamline
(Specific to
program
announced
12/15/08)
(Retired)
9 = FDIC
Streamline (“Mod
in a Box”) (Retired)
10 = Proprietary
Systematic
Program (Retired)
11 = Proprietary
Other (Retired)
12 = Home
Affordable
Modification
(Retired)
21 = Principal
deferral
22 = Rate
Reduction/ Rate
Frozen
23 = Term
43

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)
Code 23 Term extension - code this line item if the
modification results in a term extension.
Code 24 Principal forgiveness – code this line item if the
modification results in principal forgiveness.
Code 25 Recapitalization – code this line item if the
modification results in recapitalization. Recapitalization
referes to instances where accrued and/or deferred principal,
interest, servicing advances, expenses, fees, etc. are capitalized
into the unpaid principal balance of the modified loan.
Codes 27-34 are to be used if a combination of modifications
are applied to a loan.

Allowed Values

Format, Line
Item Length

extension
24 = Principal
forgiveness
25 =
Recapitalization
27 = Principal
deferral+ Rate
Reduction/ Rate
Frozen
28 = Principal
deferral+ Term
extension
29 = Principal
deferral+ Rate
Reduction/ Rate
Frozen + Term
extension
30 = Rate
Reduction/ Rate
Frozen + Term
extension
31 = Rate
Reduction/ Rate
Frozen + Principal
forgiveness
32 = Rate
Reduction/ Rate
Frozen + Term
extension +
Principal
forgiveness
33 = Term
extension +
44

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

Principal
forgiveness
34 = Term
extension +
Recapitalization
99 = Other

Last Modified
Date

M216

Active
Repayment Plan
Flag (Retired
March 2020)

M217

Workout Type
Completed

M218

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

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

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.

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

Numeric

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

Claim (Retired)
6 = FHA Secured
(Retired)
7 = VA Refund
(Retired)
8 = Stipulated
Repayment / StipSpecific coding instructions follow:
to-Mods (Retired)
9 = Forbearance
Code 0 - Enter in the case where no workout is completed or
plan
there is an unsuccessful resolution of a loss mitigation effort.
10 = MI Claim
Do not enter a code value of 0 if loss mitigation efforts are
Advance
ongoing but not completely resolved.
11 = FHA
Refinances - Other
Code 1 Modification - Populate in the month that the
(Retired)
modification is completed and the new loan terms are in effect. 12 = Other
Do not include modifications, such as those performed under
13 = Re-aged/
the Home Affordable program that were completed following a Deferred/Extended
trial or stipulated repayment period – these should receive a
(Retired)
value of 8 (see below).
14 = Home
Affordable
Code 2 Repayment Plan - Populate in the month that the
Refinance
repayment plan was completed successfully and the borrower (Retired)
has been returned to a current and performing status.
15 = FNMA
HomeSaver
Codes 3 and 4 – Deeds In Lieu and Short Sales – Populate in
Forbearance,
the month the loan is liquidated through a deed in lieu, short
Payment
sale (or payoff) negotiated settlement.
Reduction Plan, or
other GSECode 6, 11, 14 – FHA and Home Affordable Refinances –
sponsored
Populate these line items in the month that the loan was
forbearance
liquidated under an FHA or Home Affordable refinance
program (Retired)
program. This line item should be coded in the same month
16 = Refinance
the loan has a Voluntary Payoff / Refinance.
In cases where loss mitigation efforts fail, report 77-Workout
Type Completed =0 and 85-Loss Mitigation Status=3 (Broken).
If in the proceeding month a new effort begins, code 143Workout Type Started and 85-Loss Mitigation Status to the
relevant allowable values.

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)
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.

Allowed Values

Format, Line
Item Length

17 = Partial
Claim/Junior Lien

Code 13 – Re-aged/ 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.
Code 16 Refinance – Code this line item in the month a
refinance resulting from loss mitigation was completed.
Code 17 – Code this line item in the month that a loan a partial
claim or the origination of a junior lien resulting from loss
mitigation was completed.
78

Repayment Plan
Performance
Status (Retired
March 2020)

M219

Line Line Item Name
Item
No.
“Home
79 Affordable
Refinance”
Program Flag
(Retired March
2020)

MDRM Detailed Description
(CCFL)

HAMP Loan
Number (Retired
March 2020)

M221

Capitalization
(Retired
September 2022)

M222

Delinquent
Amount
Capitalized

M223

Duration of
Modification
(Retired
September 2022)
Step Modification
Flag

M224

Allowed Values

Format, Line
Item Length

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.

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

Whole
Number

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

Y=Yes
N=No

Character(1)

M220

M225

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
48

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

different from the contract rate, this field should be populated
with ‘N’.

Loss Mitigation
Performance
Status

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.

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

• Active and performing – Refers to any mortgage that is
currently in loss mitigation and is performing to the terms of a
selected plan.
• Active and Non-performing – Refers to instances where a
servicer is actively pursuing loss mitigation with a borrower
who is not currently making all payments on the mortgage.
Include situations where loss mitigation efforts have been
initiated but no plan has been executed as of month-end.
• Broken – Populated for situations where the borrower has
defaulted on the terms of loss mitigation plan and the servicer
has removed the loan from loss mitigation and is proceeding
with the default process.
Note: If loss mitigation efforts have been initiated but no plan
has been executed as of the month‐end, the Loss Mitigation
49

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

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

Whole
Number

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, remodified 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)
Deferred Amount

M227

M228

Deferred Amount: Report the total amount in dollars of the
amount that was deferred through loss mitigation.
In cases where the deferral is monthly, they should be
reported as aggregated. Deferrals are generally done at once.
Report the aggregate of the amount deferred provided over
the life of the loan assuming that the borrower performs as
agreed.

Principal Writedown (Retired
March 2013)

M229

Line Line Item Name
Item
No.
89 Principal WriteDown Amount

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M230

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

Whole
Number

0 = Not converted
to Fixed Rate
1 = Converted to
Fixed Rate for 1-36
Months
2 = Converted to
Fixed Rate for 3760 Months
3 = Converted to
Fixed Rate for 61120 Months
4 = Converted to
Fixed Rate for
Greater than 120
Months

Character(1)

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

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 writedowns (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.

Line Line Item Name
Item
No.
92 Purchased Credit
Deteriorated
Status

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M234

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”. Note:
none of the records should be left blank.

N = No
Y = Yes

Character(1)

M235

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

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

Whole
Number

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

Whole
Number

Total
Debt at Time of
any Involuntary
Termination

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.
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.

Net Recovery
Amount

M236

Report the sales price net of costs of sales (e.g., sales
commissions and buyer concessions).

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)
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

Troubled Debt
Restructure Flag
(Retired)

M237

M238

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.
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. 5

Allowed Values

Format, Line
Item Length

Use banker’s
rounding.

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

Whole
Number

Y=Yes
N=No

Character(1)

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

5 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.

Line Line Item Name
Item
No.
97 Reported as Bank
Owned Flag

MDRM Detailed Description
(CCFL)
M239

Allowed Values

Reported as Bank-Owned Flag – Report whether the serviced
Y=Yes
for others loan is recorded on the bank's own balance sheet for N=No
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 On-Balance Sheet under FAS 140 – To
reflect bank-supported securitizations and/or other
indemnifications.

Interest Rate
Reduced (Retired
September 2022)

M262

Interest Rate
Frozen

M232

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

Y=Yes
N=No

Character(1)

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

Line Line Item Name
Item
No.
100 Term Extended
(Retired
September 2022)

MDRM Detailed Description
(CCFL)

101

P&I Amount
Before
Modification
(Retired
September 2022)

M930

102

P&I Amount After M931
Modification
(Retired
September 2022)

103

Interest Rate
Before
Modification

Allowed Values

Format, Line
Item Length

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

Numeric, up
to 5 decimals

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

Numeric, up
to 5 decimals

M929

M932

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

104

Interest Rate
After
Modification

M933

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

Line Line Item Name
Item
No.
105 Remaining Term
Before
Modification
(Retired
September 2022)

MDRM Detailed Description
(CCFL)

106

Remaining Term
After
Modification
(Retired
September 2022)

M935

107

Escrow Amount
Before
Modification
(Retired March
2020)

M936

108

Escrow Amount
After
Modification
(Retired March
2020)

M937

Allowed Values

Format, Line
Item Length

M934

Line Line Item Name
Item
No.
109 Alternative Home
Liquidation Loss
Mitigation Date
(Retired March
2020)

MDRM Detailed Description
(CCFL)

110

Alternative Home
Retention Loss
Mitigation Date
(Retired March
2020)

M939

111

Original Property M940
Valuation
Method(appraisal
method)

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)

M938

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
•Automated Valuation Model “AVM”

Line Line Item Name
Item
No.
112 Third Party Sale
Flag

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M941

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)

113

M268

Whole
Number

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

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

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

N = No
Y = Yes

Character(1)

Escrow Amount
Current

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.

114

Escrow Amount
at Origination
(Retired March
2020)

M942

115

Remodified Flag

M943

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

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

Line Line Item Name
Item
No.
116 Mortgage
Insurance
Company

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M944

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

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.

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

Line Line Item Name
Item
No.
117 Interest Type at
Origination

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M244

1 = Fixed
2 = Variable

Character(1)

1 = FRB
2 = OCC
3 = FDIC

Character(1)

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

118

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.
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
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

Line Line Item Name
Item
No.
120 Loss/Write down
Date (Retired
March 2020)

MDRM Detailed Description
(CCFL)

121

M948

Sales Price of
Property

Allowed Values

Format, Line
Item Length

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

Whole
Number

M947

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.
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 Line Item Name
Item
No.
124 Commercial Loan
Flag

125

Probability of
Default – PD

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M951

Character(1)

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

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

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

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

Numeric, up
to 5 decimals

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

Numeric, up
to 5 decimals

M114

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

Note: Applicable only to firms subject to the advanced
approaches rule. This item is required for BHC or IHC or
SLHC-owned loans only.
126

Loss Given
Default – LGD

M115

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

Line Line Item Name
Item
No.
127 Expected Loss
Given Default –
ELGD

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

M116

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

Numeric, up
to 5 decimals

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.
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 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
SLHC-owned loans only.
Report the dollar Exposure at Default (EAD) for the account as Whole Number, e.g. Whole
defined in the most recent capital framework. More
5123 for $5,122.81 Number
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
63

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

1 = National Bank
2 = State Member
Bank
3 = Nonmember
Bank
4 = State Credit
Union
5 = Federal Credit
Union
6 = Non-bank
Subsidiary
0 = Other
Y= Yes
N = No

Whole
number

approaches rule. This item is required for BHC or IHC or
SLHC-owned loans only.
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.’

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).

Character(1)

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

Line Line Item Name
Item
No.
131 Interest Only
Term – Original

MDRM Detailed Description
(CCFL)
M954

132

M248

Interest Type Current

Allowed Values

Format, Line
Item Length

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

Whole Number

Whole
Number

Report the loan interest type in the current reporting month.

1 = Fixed
2 = Variable

Character(1)

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

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

Fixed 40 – Fixed rate amortizing loans with a 40-year term.
Also include fixed rate loans where loan term is greater than
30 and less than 40 years.
Fixed Greater than 40 - Fixed rate loans with loan term greater
than 40 years.
Fixed Other – Fixed rate loan where the loan term does not fall
under any of the categories (Fixed 30, Fixed 20, Fixed 15,
Fixed 10, Fixed 40, Fixed Greater than 40). Use this code
where the loan is not simply a fixed-rate amortizing term loan.
Some examples include Balloon, interest only or fixed rate pay
option loans.
ARM 1 – Adjustable rate mortgage where the initial rate reset
is less than or equal to 1 year.
ARM 2 – Adjustable rate mortgage where the initial rate reset
is greater than 1 year and less than or equal to 2 years.
ARM 3 – Adjustable rate mortgage where the initial rate reset
is greater than 2 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.
66

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

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.

1=FICO

Character(1)

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

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).
134

135

Origination
Credit Bureau
Score Vendor

Origination
Credit Bureau
Score Version

R036

R037

2=VantageScore
3=Other

Character(30)

Line Line Item Name
Item
No.
136 Current Credit
Bureau Score
Vendor

MDRM Detailed Description
(CCFL)
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.

Allowed Values

Format, Line
Item Length

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.
137

Current Credit
Bureau Score
Version

R039

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”).

Text String

Character(30)

YYYYMMDD

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 Line Item Name
MDRM Detailed Description
Item
(CCFL)
No.
139 Serviced by
R622
Indicates the servicer of the loan.
Others (SBO) Flag
If the loan is serviced by entities other than the BHC or IHC or
SLHC or its subsidiary, use a code of Y.

Allowed Values

Format, Line
Item Length

Y-Yes
N-No

Character(1)

YYYYMM

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.
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 Line Item Name
Item
No.
141 National Bank
RSSD ID

142

143

Actual Payment
Amount

Workout Type
Started

MDRM Detailed Description
(CCFL)
JA26

M259

PG60

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.
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.
Actual Payment Amount – Report the actual dollar amount of
the principal and interest payment received in the reporting
month, which could include principal curtailments. Do not
include fee payments or reversals.
Report the workout type started. This line item should be
coded for any loan where a loss mitigation effort has started or
is in progress for the current month.
The line item should be coded in the reporting month when
the workout type was started and in subsequent months up to,
but not including, the month the workout type was completed.
If a loan has never been in loss mitigation or if the loan was

Allowed Values

Format, Line
Item Length

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

Whole
Number

e.g. 1250 for
$1,250

Whole
Number

Use Banker’s
Rounding
0 = No Active
Workout Plan
1 = Modification
2 = Repayment
Plan
3 = Deed in Lieu
4 = Short Sale
9 = Forbearance
10 = MI Claim

Numeric

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)
coded as 0 in the previous month and there has not been any
new loss mitigation activity, the value should be left blank.
If the workout plan began and ended in the same month, code
this field as 0 and fill out Line 77 – Workout Type Completed.

Allowed Values

Format, Line
Item Length

Advance
12 = Other
16 = Refinance
17 = Partial
Claim/Junior Lien

Code 1 Modification - Populate in the months that the loan
modification process has started, but has not yet been
completed (new loan terms are not yet in effect).
Code 2 Repayment Plan - Populate in the months that the
repayment plan started but not yet completed.
Codes 3 and 4 – Deeds In Lieu and Short Sales – Populate in
the months the loan starts (but has not yet completed)
liquidation through a deed in lieu, short sale (or payoff)
negotiated settlement.
Code 9 – Forbearance – Populate in the months the loan starts
(but has not yet completed) the process of entering
forbearance.
Code 10 – MI Claim Advance– Populate in the months the loan
starts (but has not yet completed) the process of receiving a
MI claim advance.
Code 16 Refinance – Code this line item in the months that a
loan starts (but not yet completed) a refinance resulting from
loss mitigation.
Code 17 Partial Claim/Junior Lien – Code this line item in the
months that a loan starts (but not yet completed) a partial
71

Line Line Item Name
Item
No.

MDRM Detailed Description
(CCFL)

Allowed Values

Format, Line
Item Length

e.g. 1250 for
$1,250

Whole
Number

claim or the origination of a junior lien resulting from loss
mitigation.

144

145

Fair Value
Amount

Loan
Modification to
Borrower
Experiencing
Financial
Difficulty Flag

PG61

Report the current fair value of the loan as of the reporting
month if held under the fair value option (FVO) or held for sale
(HFS).
This field should be populated if the value in Field 130 =”Y”
(HFI FVO/HFS Flag).
Report whether a loan was modified due to the borrower
experiencing financial difficulty, as defined in ASU 2022-02.

Use Banker’s
Rounding
Y=Yes
N=No

Character(1)

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

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 Credit
Deteriorated
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

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 Credit Losses on Loans and Leases
pursuant to the FR Y-9C instructions. Also include all
reversals of accrued but not collected interest, not
directly changed against the Allowance for Credit Losses
on Loans and Leases.

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

Loss / Writedown Amount

M241

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.

Report in millions of
dollars.

Whole
Number

Principal Write downs
and Losses should be
expressed as positive
numbers.
Report in millions of
dollars.
73

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.
74

•
•
•
•
•
•
•

•

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 Credit Deteriorated –All portfolio loans/lines acquired with
deteriorated credit quality and accounted for in accordance with ASC subtopic 326.
75

•

•
•

•
•
•

•

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
credit deteriorated, 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 <space1> 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_<ID_RSSD>_<AS_OF_MON_ID>_<SUBMISSION_NUMBER>.TXT
FRY14_HOMEEQUITY_PORTFOLIOLEVEL_<ID_RSSD>_<AS_OF_MON_ID>_<SUBMISSION_NUMBER>.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 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.
76

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

Line Item
Name
Loan Number

MDRM
(CCHE)
M142

Detailed Description

Allowed Values

Format, Line
Item Length

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)

An identifier for this loan that will be the same from month to
month. It must identify the loan for its entire life and must be
unique (piggy-backs should be separated).
If the BHC or IHC 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.
YYYYMMDD
Will use this date to determine the loan’s vintage. If the loan
closing date is not available, then the origination date on the
loan can be used instead to populate this line item.
First Payment Date – Report the date the borrower was
YYYYMMDD
scheduled to make the first payment on the loan, or first started
making payments on the loan. For lines with a zero balance and
no draws, this line item should be left blank.

YYYYMMDD

Line
Item
No.
4

Line Item
Name
Property
State

MDRM
(CCHE)
9200

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

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

Character(5)

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

9220

Original Loan
Amount
Disbursed

M147

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

Two character
country code (for
properties outside
of the United
States)
e.g. 125000 for
$125,000.00

Whole Number

Amount of loan rounded to the nearest whole dollar.

Original Loan
/ Line
Commitment

M242

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).

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

Whole Number

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Original
Property
Value

M148

Original
Combined
LTV

M150

Income
Documentati
on

M151

Detailed Description
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
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.
• 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.

Allowed Values

Format, Line
Item Length

e.g. 125000 for
$125,000.00

Whole Number

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

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

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

Character (1)

The “Alt/Low - Lender” or "Stated - Lender" categories should
be used for those situations in which the BHC’s, IHC’s or SLHC’s
79

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

automated underwriting system suggested to a particular
customer a low/no doc or stated income loan.
“Alt/Low - Borrower” or "Stated - Borrower" refers to
situations in which a borrower him/herself requested a low/no
doc loan or a broker suggested one.
Please sub‐classify. If you do not know how to sub-classify,
report using the "7 Stated Unknown" or “4 Alt/Low –
Unknown” option, as appropriate.

Debt to
Income (DTI)
Back-End at
Origination

Debt to
Income (DTI)
Front-End at
Origination

M152

M153

This line item may be provided on a best efforts basis for loans
serviced for others and loans acquired through mergers and
acquisitions.
Debt to Income (DTI) - Report the back-end DTI ratio, which is
the percent of a borrower’s total monthly debt payments
(including proposed housing expenses) divided by the
borrower(s) gross monthly income. This ratio gives the
percentage of monthly income necessary to cover all of the
borrower(s) debt obligations.
This line item may be provided on a best efforts basis for loans
serviced for others and loans acquired through mergers and
acquisitions.
Debt to Income (DTI) – Report the front-end DTI ratio, which is
the monthly principal, interest, tax, insurance (PITI) payment
divided by the borrower(s) gross monthly income.

Whole Number

Debt to Income (DTI) - Front- End - Report the front-end DTI
ratio (i.e. the PITI Housing Ratio) at the origination of the
mortgage.
Front-end DTI ratios give the percentage of a borrower's
monthly income that would go toward housing (PITI) expenses.
80

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Origination
Credit Bureau
Score

M154

Current
Credit
Bureau Score

M189

Detailed Description
The total liabilities of the borrower, including the monthly
principal, interest, taxes, insurance, association dues, etc.,
should be divided by the total monthly income of the borrower.
Report the credit score of the borrower at origination using a
commercially available credit bureau score (for a definition of a
commercially available credit bureau score, see the General
Instructions). Report the credit score vendor in item 109 and
the credit score version in item 110.
Report the current credit score of the borrower using a
commercially available credit bureau score (for a definition of a
commercially available credit bureau score, see the general
instructions). Provide the most recently determined
commercially available credit score of the borrower. Report
the credit score vendor in item 111 and the credit score version
in item 112.

Allowed Values

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

Format, Line
Item Length

Whole Number

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

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.

Character(1)

Line
Item
No.
17

Line Item
Name

Home Equity
Line Type

Number of
Units

Property
Type

MDRM
(CCHE)

M243

Detailed Description
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

M162

M164

• Home Equity Line of Credit – The borrower may access an
available credit line through draw features. Lines of credit
balances may have fixed term, locked or amortizing portions.
Number of units to the property financed by the loan – Report
the number of units of the property. If the actual number of
units is not available for multi-family or 1-4 family properties,
please code this line item with a “U”.
For CRE or commercial purpose mortgage loans on multiple
properties that are submitted under this schedule, please code
this line item with a “Y”.
Property Type Report the property type. For one property with multiple uses,
report as “F” (Mixed Use). For properties with more than one
piece of collateral, report as "Z" (Other).
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.

Allowed Values
greater
U = Unknown
1 = Home Equity
Loan
2 = Home Equity
Line of Credit
3 = Other

Format, Line
Item Length

Character(1)

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

Character(1)

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

Character(1)

Line
Item
No.
20

Line Item
Name
Interest Type
at Origination

Interest Only
at Origination

Interest Only
in Reporting
Month

Loan Source

MDRM
(CCHE)
M244

Detailed Description
Report the interest type at origination.
• Fixed – Loans where the interest rate is fixed for the entire
term.

M168

M190

M159

• Variable – Loans where the interest rate fluctuates based on a
spread to an index. Include all variable rate loans regardless of
whether there is an initial fixed period.
Interest Only at Origination - Report whether the loan required
interest only at origination. That is, at origination, was the
minimum monthly payment for the loan just interest.
An interest only (IO) mortgage is a nontraditional mortgage
which allows the borrower to pay only the interest due on the
loan for a specified number of years, and whose interest rate
may fluctuate or be fixed. After the interest-only period, the
rate may be fixed or fluctuate based on the prescribed index,
with payments including both principal and interest.
Interest Only in Reporting Month – Report whether the
minimum payment in the reporting month represents only the
interest due on the loan.
That is, at end-of-month for the reporting month, was the
minimum monthly payment for the loan just interest.
Loan Source – Report the source by which the servicer
originated or otherwise acquired the loan. At the servicer's
discretion, acquired servicing may be reported as retail, broker,
or correspondent originations to the extent the information is
available.
• Retail – Report all loans originated through the reporting
institution’s retail, including branch or internet, production
channel.

Allowed Values

Format, Line
Item Length

1 = Fixed
2 = Variable

Character(1)

Y=Yes
N=No
U=Unknown

Character(1)

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

Character(1)

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

Character(1)

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

• 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

Private Banking
U = Unknown

• Correspondent - Loans acquired through the reporting
institution's correspondent production channel. This includes
all whole loans purchased on a recurring basis (flow) from
another correspondent institution, eligible for securitization
into the secondary markets or portfolio retention on the bank's
balance sheet. Report as broker originated all third-party
originated loans when the bank cannot distinguish between
broker and correspondent originated.
• Servicing Rights Purchased - Refers to a separately negotiated
purchase of mortgage servicing rights (PMSR) from a third
party. When the servicer cannot distinguish between bulk
whole loan and bulk servicing acquisitions, the servicer should
report all of these acquisitions consistently in the category that
represents the majority of the servicer's acquisitions. Note: This
reporting category applies exclusively to the servicing portfolio.
• Bulk Purchase – Pools of whole loans purchased from a third
party originator 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.
84

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

• 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)

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

Character(1)

Whole Number

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

M171

• 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.

Line
Item
No.
27

Line Item
Name

MDRM
(CCHE)

ARM
Payment
Reset
Frequency

M246

Allowable
Draw Period

M247

ARM Index

M173

Detailed Description
Report the initial fixed principal and interest payment period in
months for adjustable rate hybrid loans.
Report the payment reset frequency for adjustable rate loans in
months.
For example, a loan where the interest rate adjusts once a year
will have a Payment Reset Frequency of 12 (months). A floating
rate note that can reset its rate every month should be reported
to have a Payment Reset Frequency of 1 (month).
Draw Period – For lines of credit only, report the duration in
months (starting with the origination date) during which the
borrower has the ability to make withdrawals against the credit
line. Important: Leave blank for home equity loans.
Note: Use a value of 999 if the borrower is always allowed to
draw on the account, as in the case of “evergreen” accounts.
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

Whole Number

1 – 480;
999

Whole Number

07 = COSI - Cost of
Character(2)
Savings Index
10 = Tbill Unknown
Type
11 = Tbill 3mo
12 = Tbill 6mo
13 = Tbill 1yr
14 = Tbill 3yr
15 = Tbill 5yr
1Z = Tbill Other
20 = COFI Unknown
Type
21 = COFI 11D
22 = COFI NM
2Z = COFI Other
30 = LIBOR
Unknown Type
31 = LIBOR 3mo
86

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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)
91 = SOFR 1mo
92 = SOFR 3mo
93 = SOFR 6mo
94 = SOFR 1yr
99 = SOFR
Unknown Type
9Z = SOFR Other
Avg)
ZZ = Other
UU = Unknown
B1 = BSBY 1mo
B2 = BSBY 3mo
B3 = BSBY 6mo
B4 = BSBY 1yr
B5 = BSBY
Unknown Type
BZ = BSBY Other

Line
Item
No.
30

Line Item
Name

MDRM
(CCHE)

ARM Margin
at Origination

M174

ARM Periodic
Rate Cap

M176

ARM Periodic
Rate Floor

M177

ARM Lifetime
Rate Cap

M178

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

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

Numeric, to 5
decimals

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

Numeric, to 5
decimals

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

Numeric, to 5
decimals

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

Numeric, to 5
decimals

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

Whole Number
Allowable values: 0
– 600, 999

Whole Number

Numeric, to 5
decimals

M181

M184

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

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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.

Bankruptcy
Flag

Next
Payment Due
Date

M194

M196

For loans in which there is no end date for the draw period
(e.g., "Evergreen" loans) use the value '999'.
Bankruptcy flag – Report whether the borrower is in
bankruptcy as of the end of the reporting month.
Flag all loans where the servicer has been notified of the
borrowers’ bankruptcy declaration. Include co-borrowers.
Next payment due date – Report the due date for the next
outstanding payment on the loan. For delinquent loans, this
date will be in the past.

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

Character(1)

YYYYMMDD

This line item should be left blank for account closed in the
current 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.
89

Line
Item
No.
40

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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

Original
Interest Rate

M185

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

Current
Interest Rate

M197

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

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

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
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
e.g, 125000 for
at the end of the reporting month rounded to the nearest dollar. $125,000.00
This amount does not include any charge-offs, discounts or
Use banker’s
rounding.

Whole Number

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

e.g., 125000 for
$125,000.00
Use banker’s
rounding.
e.g., 125000 for
$125,000.00
Use banker’s
rounding.
C = Current
3 = 30 days
6 = 60 days
9 = 90+ days
F = FC
R = REO
T = Terminated
Reporting
S = Servicing Sold
Release
0 = Paid off
U = Unknown

Whole Number

other accounting marks. It should only be reduced to zero
when:
• For loans: when the loan has been liquidated – either paid-infull, charged-off, REO sold or service transferred.
• For lines: either when the loan has been liquidated or when
the credit line is not being utilized by the borrower.
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.

Monthly
Draw
Amount

M249

Current
Credit Limit

M250

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.

Loan Status
(MBA
method)

M251

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.

Whole Number

Character(1)

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”.

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Foreclosure
Referral Date

M203

Foreclosure
Sale Date

M202

Detailed Description
In the case of loan which has been charged off and not moved to
REO, the following codes will apply ‐ Liquidation Status (Line
item 54) will have a code value of 2: involuntary liquidation,
which includes charge off.
Foreclosure Referral Date – Report the date that the loan was
referred to an attorney for the purpose of initiating foreclosure
proceedings. This date should reflect the referral date of
currently active foreclosure process. Loans cured from
foreclosure should not have a referral date.
Report the date that the foreclosure sale occurs on the subject
property. This is typically the end of the foreclosure process,
unless the borrower is in a state that allows for the right of
redemption.

Allowed Values

Format, Line
Item Length

YYYYMMDD

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

Character(1)

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

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).

Whole Number

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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
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.

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

Character(1)

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

Character(1)

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

• 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

3 = Servicing
transfer

Troubled
N185
Debt
Restructure
Date(Retired)

Repayment
Plan
Performance
Status
(Retired
March 2020)
Capitalization
(Retired
September
2022)

M219

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

YYYYMMDD

Numeric

M222

Line
Item
No.
58

Line Item
Name

MDRM
(CCHE)

Interest Rate
Frozen

M232

Principal
Deferred

M227

Purchased
Credit
Deteriorated
Status

M234

Workout
Type
Completed

M218

Detailed Description

Allowed Values

Format, Line
Item Length

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
principal payment or amortization has been deferred to a later
date due to a modification or loss mitigation activity, 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)

Report in field 60 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”.

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 (Retired)
6 = Do not Use
7 = Settlement
8 = Other
9 = Forbearance
Plan

Numeric

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.
In cases where loss mitigation efforts fail, report 61-Workout
Type Completed =0 and 89-Loss Mitigation Status=3 (Broken).

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description
If in the proceeding month a new effort begins, code 120Workout Type Started and 89-Loss Mitigation Status to the
relevant allowable values.

Allowed Values

Format, Line
Item Length

16 = Refinance
17 = Partial
Claim/Junior Lien

Code 1 Modification - Populate in the month that the
modification is completed and the new loan terms are in effect.
Do not include modifications, such as those performed under
the Home Affordable program that were completed following a
trial or stipulated repayment period – these should receive a
value of 5 (see below).
Codes 3 and 4 – Deeds In Lieu and Short Sales – Populate in the
month the loan is liquidated through a deed in lieu, short sale
(or payoff) negotiated settlement.
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
96

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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
changes to scheduled balloon-payments that do not operate
under modification agreements.
Code 16 Refinance – Code this line item in the month a
refinance resulting from loss mitigation was completed.
Code 17 – Code this line item in the month that a loan a partial
claim or the origination of a junior lien resulting from loss
mitigation was completed.
62

First
Mortgage
Serviced In
House

M253

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

M254

Settlement Negotiated Amount – Report the settlement amount
(portion of the outstanding unpaid principal balance) agreed to
be paid by the customer.

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

Character(1)

Whole Number

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.
97

Line
Item
No.
64

Line Item
Name
Credit Line
Frozen Flag

MDRM
(CCHE)
M255

Detailed Description
Credit Line Frozen Flag – Report whether the line of credit
frozen in the reporting month.
Identifies any line of credit that is in its draw period where the
credit line has been temporarily frozen, allowing no further
draws or increase in principal balance outstanding, in the
reporting month. This line item should continue to be coded as
“Y” for any month the credit line remains frozen until paid in
full or the line is reinstated. Important: Leave blank for home
equity loans.

Allowed Values

Format, Line
Item Length

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

Character(1)

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

Whole Number

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

Whole Number

Note: Credit line frozen and credit line closed are separate
actions and need to be coded as such. Do not code a closed
account as frozen unless that specific action was taken.

Locked
Amount –
Amortizing –
LOC

M256

Locked
Amount –
Interest Only
– LOC

M257

Frozen is meant to be a temporary situation due to a decrease
in property value or short term delinquency. The line can
eventually be “unfrozen”.
Locked Amount – Amortizing – LOC – Report the amount of
credit line that has been locked and is now amortizing.
For lines of credit, populate this line item with the total dollar
amount of the outstanding principal balance that has been
“locked’ and is now amortizing under independent loan terms.
Important: Leave blank for any home equity loan. Also leave
blank for any line of credit that does not have a lockout feature.
If a line of credit has a lockout feature and no balance is locked,
the line item should contain a zero.
Locked Amount – Interest Only – LOC – Report the amount of
credit line that has been locked. (Interest Only)
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

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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.
67

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

M258

M259

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

M260

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

N = No
Y = Yes

Character(1)

N = No
Y = Yes

Character(1)

Credit Line
Closed Flag

M261

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

Interest Rate
Reduced
(Retired

M262

Line
Item
No.
72

Line Item
Name
September
2022)
Term
modification

Principal
Write-down

MDRM
(CCHE)

M263

M229

Detailed Description

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.

Allowed Values

Format, Line
Item Length

N = No
Y = Yes

Character(1)

N = No
Y = Yes

Character(1)

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

Character(1)

If adjustment to the unpaid principal balance has occurred
through a modification or loss mitigation activity, this line item
should be “Y”; otherwise, it should be “N”.

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.
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.

100

Line
Item
No.

Line Item
Name

Loan
Extension

MDRM
(CCHE)

M265

Detailed Description

Allowed Values

Note: The Line items 74 Line Re-age and 75 Loan Extension)
should be populated with a “Y” value if the line or loan has ever
been re-aged or extended. These line items should carry
forward from month to month and reflect the inventory of reages and extensions. Please do not count holiday extensions as
“Y” for this variable.
Report whether the home equity loan has been extended, but
the terms have not been formally modified. This line item
should be “Y” for loans that have been extended but are not in
active loss mitigation. Loans that are in loss mitigation where
the amortization term of the loan is being changed should be
“N”. If the loan is neither modified nor extended, or this is a line
of credit, this value should be left blank. A re-age is defined as a
situation when an account's delinquency status is changed by
collections or customer service as part of a loss mitigation
effort.

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

Format, Line
Item Length

Character(1)

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.
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.
101

Line
Item
No.
76

Line Item
Name

MDRM
(CCHE)

Current
Combined
LTV

M266

Modification
Type

M215

Detailed Description

Allowed Values

Format, Line
Item Length

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
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.

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

Numeric, to 2
decimals

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

Numeric

Modification Type should be filled out for all months the loan is
currently operating under modified terms (including the month
where Workout Type Completed =1).
If a loan is not operating under modified terms, this field should
be populated as "0 = Loan has not been modified".
Active loss mitigation refers to instances where the loan is
currently in loss mitigation, and the servicer is actively
pursuing loss mitigation.
Report the code that reflects the current modification
arrangement using all information available. If no information
is available, code as 99=Other.

14 = HELOC Line
Renewal (loss
mitigation strategy)
21 = Principal
deferral
22 = Rate change
23 = Term
extension
24 = Principal
forgiveness
102

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description
This field will be filled out if Workout Type Completed = 1
(Modification)
Code 21 Principal deferral – code this line item if the
modification results in deferred principal.
Code 22 Rate change – code this line item if the modification
results in a change in interest rate.
Code 23 Term extension - code this line item if the modification
results in a term extension.
Code 24 Principal forgiveness – code this line item if the
modification results in principal forgiveness.
Code 25 Recapitalization – code this line item if the
modification results in recapitalization. Recapitalization referes
to instances where accrued and/or deferred principal, interest,
servicing advances, expenses, fees, etc. are capitalized into the
unpaid principal balance of the modified loan.
Codes 27-34 are to be used if a combination of modifications
are applied to a loan.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 new contractual obligation with the lender
and the HELOC terms have changed.

Allowed Values

Format, Line
Item Length

25 =
Recapitalization
27 = Principal
deferral+ Rate
change
28 = Principal
deferral+ Term
extension
29 = Principal
deferral+ Rate
change + Term
extension
30 = Rate change +
Term extension
31 = Rate change +
Principal
forgiveness
32 = Rate change +
Term extension +
Principal
forgiveness
33 = Term
extension +
Principal
forgiveness
34 = Term
extension +
Recapitalization
99 = Other

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
103

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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.
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.

104

Line
Item
No.
80

Line Item
Name
Refreshed
Property
Valuation
Method

MDRM
(CCHE)
M210

Detailed Description
Report the valuation method for any refreshed values in line
item 79. Identifies the method by which the value of the
property was determined.
• Full appraisal – Prepared by a certified appraiser and must
involve both interior and exterior inspections of the subject
property by a licensed appraiser
• Limited appraisal – Prepared by a certified appraiser that
obtains characteristics of the property without the licensed
appraiser performing a full interior and exterior inspection
• Broker Price Opinion “BPO” – Prepared by a real estate broker
or agent
• Desktop Valuation – Prepared by bank employee
• Automated Valuation Model “AVM”

Refreshed
Property
Valuation
Date
Escrow
Amount
Current

M267

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

Allowed Values

Format, Line
Item Length

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

Character(1)

YYYYMMDD

M268

105

Line
Item
No.
83

Line Item
Name
(Retired
March 2013)
Loan Purpose
Coding

Remaining
Term

MDRM
(CCHE)

Detailed Description

M161

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

M198

Report the remaining term of the loan in months.

Allowed Values

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

Format, Line
Item Length

Character(1)

Whole Number

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 ,

106

Line
Item
No.

Line Item
Name

Bankruptcy
Chapter

MDRM
(CCHE)

M195

Accrual
Status

M957

Foreclosure
Suspended

M204

Detailed Description
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
Method at
Origination
(appraisal
method)

M940

Report the method used to determine the property value at
time of origination.
Full Appraisal – Prepared by a certified appraiser and must
involve both interior and exterior inspections of the subject
property by a licensed appraiser

Allowed Values

Format, Line
Item Length

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
2 = Limited
appraisal
3 = Broker Price
Opinion “BPO”
4 = Desktop
Valuation –

Character(1)

107

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

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

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

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”.
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.
108

Line
Item
No.

Line Item
Name

Other
Modification
Action Type
(Retired)

MDRM
(CCHE)

M958

Detailed Description

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.

Allowed Values

Format, Line
Item Length

N = No
Y = Yes

Character(1)

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

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
92

Reason for
Default
Third Party
Sale Flag

This item has been removed and should not be reported.
M941

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

109

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

(or servicer), this would not be considered a Third Party Sale,
and this line item should be coded with a zero.
93

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 (ACL) 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
systems and not back out any other adjustments they may have
made.

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

Whole Number

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.
110

Line
Item
No.
96

Line Item
Name

MDRM
(CCHE)

Performance
of First Lien
(Retired June
2016)

M961

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

M950

Entity
Serviced

M945

Total Debt at
Time of any
Involuntary
Termination

M235

Detailed Description

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 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).
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

1 = FRB
2 = OCC
3 = FDIC

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

Format, Line
Item Length

Character(1)

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
111

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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

Whole Number

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.

100

Net Recovery
Amount

M236

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.)
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

112

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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

Whole Number

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

Character(1)

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.

102

Commercial
Loan Flag

M951

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

113

Line
Item
No.
103

104

105

Line Item
Name
Probability of
Default – PD

Loss Given
Default – LGD

Expected
Loss Given
Default –
ELGD

MDRM
(CCHE)
M114

M115

M116

Detailed Description

Allowed Values

Format, Line
Item Length

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

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

Numeric, up to 5
decimals

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

Numeric, up to 5
decimals

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

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

114

Line
Item
No.
106

Line Item
Name

Exposure at
Default – EAD

MDRM
(CCHE)

M117

107

Entity Type

M952

108

HFI FVO/HFS
Flag

M953

Detailed Description
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.’

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.

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

Whole number

Character(1)
Y= Yes
N = No

115

Line
Item
No.
109

Line Item
Name

MDRM
(CCHE)

Origination
Credit
Bureau Score
Vendor

R036

110

Origination
Credit
Bureau Score
Version

R037

111

Current
Credit
Bureau Score
Vendor

R038

112

Current
Credit
Bureau Score
Version

R039

Detailed Description
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.
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 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”).

Allowed Values

Format, Line
Item Length

1=FICO
2=VantageScore
3=Other

Character(1)

Text String

Character(30)

1=FICO
2=VantageScore
3=Other

Character(1)

Text String

Character(30)

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.
116

Line
Item
No.
113

Line Item
Name
Current
Credit
Bureau Score
Date

MDRM
(CCHE)
S382

Detailed Description
Provide the date on which the commercially available credit
bureau score reported in item 14 was obtained.

Allowed Values

Format, Line
Item Length

YYYYMMDD

Y-Yes
N-No

Character(1)

YYYYMM

1=
Balloon: Outstandin
g principal is
immediately due at
the end of the

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

115

116

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.

Reporting As
of Month
Date

R623

Payment
Type at the
end of draw
period

R624

If the loan is serviced by the BHC or IHC or SLHC or its
subsidiary, use a code of N.
Indicate the reporting as of month date.
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

117

Line
Item
No.

117

Line Item
Name

National
Bank RSSD ID

MDRM
(CCHE)

JA26

Detailed Description

Allowed Values

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

Format, Line
Item Length

Whole Number

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

Format, Line
Item Length

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

119

120

Charge-off
Date

Workout
Type Started

LE96

PG60

Report the date of the most recent charge-off event for the
account.
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.
Report the workout type started. This line item should be coded
for any loan where a loss mitigation effort has started in the
current month.
The line item should be coded in the reporting month when the
workout type was started and in subsequent months up to, but
not including, the month the workout type was completed. If a

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

YYYYMMDD

0 = No Active
Workout Plan
1 = Modification
2 = Payment Plan
3 = Deed in Lieu
4 = Short Sale
6 = Do not Use

Numeric

119

Line
Item
No.

Line Item
Name

MDRM
(CCHE)

Detailed Description

Allowed Values

loan has never been in loss mitigation or if the loan was coded
as 0 in the previous month and there has not been any new loss
mitigation activity, the value should be left blank.

7 = Settlement
8 = Other
9 = Forbearance
Plan
16 = Refinance
17 = Partial
Claim/Junior Lien
Y=Yes
N=No

If the workout plan began and ended in the same month, code
this field as 0 and fill out Line 61 – Workout Type Completed.
121

Loan
Modification
to Borrower
Experiencing
Financial
Difficulty Flag

Report whether a loan was modified due to the borrower
experiencing financial difficulty, as described in ASU 2022-02.

Format, Line
Item Length

Character(1)

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

B.2 Portfolio Level Table
Line
Item
No.
1

Line Item
Name
Portfolio
Segment ID

MDRM
(CCHE)
M240

Detailed Description
Report the portfolio segment.

Allowed Values

Format, Line
Item Length

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

Character(1)

120

Line
Item
No.
2

Line Item
Name
Unpaid
Principal
Balance

Loss / Writedown Amount

MDRM
(CCHE)
M201

M241

Detailed Description

Allowed Values

Format, Line
Item Length

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

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

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

Whole Number

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

121

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_<ID_RSSD>_<AS_OF_MON_ID>_<SUBMISSION_NUMBER>.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.
122

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)

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)

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.

123

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.
If the Property State is an international address, then use
a code value of “FF” to represent the Property State
information.
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).
If the Property Zip code is an international address, then
report the two letter country code in this field.

Mailing Street
Address

9110

Mailing City

F206

Note: Provide the zip code as 9 digits when available.
Report the borrower’s mailing street address. May be the
same as the Property Street Address. Must include
street prefixes, suffixes, and unit number for condos
and co-ops.

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

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, or
two characters.
Include leading
zeroes WITH
NO DASHES,
e.g., 00901,
101015271

Character(9)

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.

Text(100)

Text(50)

124

Line
Item
No.
8

Line Item Name

MDRM
(CCAM)

Mailing State

F207

Mailing ZIP
Code

F208

Detailed Description

Allowed Values

Format, Line
Item Length

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

Two-letter postal
codes for the state.

Character(2)

Five-digit or ninedigit number, or
two characters.
Include leading
zeroes WITH
NO DASHES,
e.g., 00901,
101015271

Character(9)

If the Mailing State is an international address, then use
a code value of "FF" to represent the Mailing State
information.
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 Property Zip code is an international address, then
report the two letter country code in this field.
If the Mailing zip code is an international address, and
greater than 9 characters, leave the foreign mailing zip
code blank.

125

Line
Item
No.
10

Line Item Name

MDRM
(CCAM)

Liquidation
Status

M252

Detailed Description

Allowed Values

Format, Line
Item Length

Liquidation Status – Report the liquidation method for
any loan that was liquidated during the reporting month.

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

Character(1)

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

Character(1)

• Not Paid In Full – Coded for any home equity loans
having an outstanding balance as of month-end as well as
all active lines of credit.
• Voluntary Payoff – Code all instances where the loan
has been paid in full by the borrower either through
refinance, sale of the property or principal payment in
full.
• Involuntary Liquidation – Code all instances where the
loan has been liquidated either through foreclosure
proceedings or another settlement option resulting in
incomplete repayment of principal. Include short-sales,
charge-offs, as well as REO liquidations.

Lien
Position at
Origination

M158

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

126

Line
Item
No.
12

Line Item Name

MDRM
(CCAM)

Census Tract

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)

127

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 $1 million in
committed balances then report on the FR Y-14Q Corporate Loan Schedule. Report at the control
account level or the individual pay level (not at the sub-account level). This includes SME credit card
loans that are those reported on the FR Y-9C, Schedule HC-C, item 4.a and 4.b, and domestic business
cards reported in other FR Y-9C lines.
d. Corporate Credit Cards: Employer-sponsored credit cards for use by a company's employees. If the
commercial card account is classifiably managed, and either there is any individual/joint liability or
performance is reported to a credit bureau then report as a corporate card. This includes US
corporate credit card loans that are those reported on the FR Y-9C, Schedule HC-C, item 4.a and 4.b,
and domestic corporate cards reported in other FR Y-9C lines.
e. Other: Other cards accounts to consumers, small business, or corporations reported in the FR Y-9C
in line items not represented above. Please do not include home equity lines of credit or other
revolving consumer loans other than credit cards.
Do not report data from international cards but include domestic cards, as defined by the FR Y-9C glossary
entry for “domestic offices”.
For all variables reported please report as blank if information is missing or unknown. Also, if a line item
does not apply to the loan, the line item should be left blank.
Account and loan-level files should sum up to the portfolio level. An amount, zero or null (be left blank)
should be entered for all items, except in those cases where other options such as “not available” or “other”
are specified. If information is not available or not applicable and no such options are offered, the line item
should be left blank. If the totals from the loan level are not equal to the totals from the portfolio level, BHCs
IHCs, and SLHCs should provide explanations.
Avoid account duplications.
For account level variables representing monetary value please use the U.S. Dollar ($) 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
128

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.

129

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.
130

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 the account
originated in a foreign country with no
subsequent domestic billing address,
report as “FF”. 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

131

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
132

FR Y-14M

Line
Item
No.

Line Item
Name

Product
Type

Technical Line
Item Name

ProductType

MDRM
(CCRS)

M051

Description

repayment of the balance. If loans have
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
133

FR Y-14M

Line
Item
No.

Line Item
Name

Lending
Type

Technical Line
Item Name

LendingType

MDRM
(CCRS)

M052

Description

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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

134

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

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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

135

FR Y-14M

Line
Item
No.

Line Item
Name

Loan
Source/Chan
nel

Technical Line
Item Name

LoanChannel

MDRM
(CCRS)

M056

Description

1 = Yes
0 = No
Report the source or channel by which the
lender solicited or otherwise acquired the
account. The method of solicitation could
include direct mail, the internet, take-one
applications, or telemarketing. Report each
account in one of the following categories:

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

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.
136

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Purchased
Credit
Deteriorated
Status

PCDFlag

M234

Cycle Ending
Balance

CycleEndingBala
nce

M058

Cycle Ending
Balance Flag
(Retired
March 2018)
Accounts
Under
Promotion

CycleEndingBala
nceFlag

M059

PromotionFlag

M060

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

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

Mandatory

N12.2

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.

Mandatory

5 = Other loan source known and not
included in 0– 4 above.
6 = Loan source unknown.
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”.

137

FR Y-14M

Line
Item
No.

Line Item
Name

Cycle Ending
Balances
Mix Promotio
nal

Technical Line
Item Name

CycleEndingBala
ncePromotional

MDRM
(CCRS)

M061

Description

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

Mandatory

N12.2

Mandatory

N12.2

Mandatory

N12.2

If cycle ending balance information is not
available, report information at the
month-end reporting date.

Cycle Ending
Balances
Mix Cash

CycleEndingBala
nceCash

M062

Cycle Ending
Balances
Mix Penalty

CycleEndingBala
ncePenalty

M063

Cycle Ending

CycleEndingBala
nceOther

M064

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

138

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Balance
s Mix Other
22

Average
Daily
Balance
(ADB)
Total
Reward Cash

AverageDailyBala
nce

M065

TotalRewardCash

M066

Description

date not included in line item No. 18, 19,
and 20. If cycle ending balance information
is not available, report information at the
month-end reporting date. Include balances
under a workout program in this line item.
Report the average daily balance in the
reporting month or cycle.
For accounts that offer cash, miles or other
Rewards, report the total equivalent dollar
amount of cash rewards accumulated as of
the reporting month.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

N12.2

If the institution does not have access to
reward information owned by a partner,
the institution is not required to report
that information.
Institutions should report the cumulative
reward available to the customer as of the
reporting month.
The institution should report Net Cash
Reward. For purposes of this report, Net
Cash Award = Cumulative earned cash (or
cash equivalent) ‐ redeemed/forfeited
cash (or cash equivalent)

139

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Date
YYYYMMDD

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

Account
Cycle
Date

RewardType

AccountCycleEnd
Date

M067

M068

Do not include merchant loyalty points If a
merchant houses the loyalty points on its
own system and they are not available to
institution.
Report reward type in one of the following
categories.
1 = Cash
2 = Miles
3 = None
4 = Other
Report the date in which transactions were
accumulated for billing in the reporting
month. For accounts that cycle more than
one time during the reporting month report
the last cycle information for the reporting
month. All data elements related to
account balances and status should be as of
the last cycle end date; all data elements
related to account activities and fees should
be aggregated from the last reporting cycle
end date in the previous FR Y-14M month
to the current reporting cycle end date in

140

FR Y-14M

Line
Item
No.

Line Item
Name

Account
Origination
Date

Technical Line
Item Name

AccountOriginati
onDate

MDRM
(CCRS)

M069

Acquisition
Date

AcqDate

M070

Multiple
Banking
Relationship
s

MultipleBanking
RelationshipFlag

M071

Description

the current FR Y-14M month. Leave blank
if the account does not have a statement
date in the current reporting month.
Report the date on which the original credit
card was issued. If unknown due to
acquisition or merger, leave blank.
In cases where an account was closed (for
example, card loss or theft) and reopened,
report the original account origination date
and not subsequent issuance date(s).
For accounts resulting from acquisition or
merger, report the loan’s acquisition or
merger date. If the date of
acquisition/merger is unknown report
19000101, if the loan was not acquired,
report 19000102.
Report accounts that currently have
other non-credit card banking
relationships with the bank. 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.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Date
YYYYMMDD

Mandatory

Date
YYYYMMDD

Mandatory

1 = Deposit
2 = Trust or investment account
141

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

Multiple
Credit
Card
Relationship
s

MultipleCardRela
tionshipFlag

Joint
Account

JointAccount

MDRM
(CCRS)

M072

M073

Authorized
Users

AuthorizedUsers

M074

Flagged as
Securitized

SecuritizedFlag

M075

Description

3 = Mortgage
4 = Home Equity
5 = Auto
6 = Student Loans
7 = Installment Loans
8 = More than one types
9 = Unknown
0 = No other products or cross-sellings
Report accounts where the bank has
issued more than one credit card to the
primary or joint account holder(s).
1 = Yes
0 = No
Report whether the account has more than
one primary obligor. Exclude other
authorized users.
1 = Yes
0 = No
Report total number of authorized users
including primary obligors. 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).

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

1 = Yes
0 = No
142

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Borrower's
Income at
Origination

BorrowerIncome

M076

Income
Source at
Origination

BorrowerIncome
Type

M077

Updated
Borrower’s
Income
(Retired
March 2020)
Updated
Income
Source
(Retired
March 2020)
Date
Refreshed
Income
Obtained
(Retired
March 2020)

Description

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
N12

Mandatory

1 = Individual
2 = Household
3 = Other

UpdatedBorrowe
rIncome
M078
UpdatedBorrowe
rIncomeType
M079
DateUpdatedBorr
owerIncome
M080

143

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Originatio
n Credit
Bureau
Score for
the
primary
account
holder

OriginalCreditSco
rePrimaryBorro
wer

M081

Description

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.

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C:
Character
N3

If the underwriting decision was based on
an internal score and a commercially
available credit bureau score was not
available at origination, please map this
internal score to an industry standard
credit 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
144

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

be treated as missing data by the Federal
Reserve.

Originatio
n Credit
Bureau
Score for
the coborrower
(if any)

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
Bureau Score for the primary account
holder” (see line item 38).
A co-borrower is a person who jointly
borrows using the credit card and is
responsible for repayment of the loan. The
primary borrower will receive a credit card
to make charges but the co-borrower may
or may not receive a credit card.
Report the 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.

145

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Refreshed
Credit
Bureau
Score

RefreshedCreditS
corePrimaryBorr
ower

M083

Description

Report the most recently updated credit
score available for the primary account
holder using a commercially available
credit bureau score (for a definition of a
commercially available credit bureau score,
see general instructions, section H).
Report the credit score name in item 110
and list the credit score version in item 117.
Report the date on which the credit score
was refreshed in item 41.

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C:
Character
N3

If a commercially available credit bureau
score is not available, please map an
internal score to an industry standard
credit 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,
146

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Date
YYYYMMDD

Optional

N10.6

Mandatory

N12.2

which are not mapped to such scores, may
be treated as missing data by the Federal
Reserve.

Credit
Bureau
Score
Refresh Date

CreditScoreRefre
shDate

M084

Behavioral
Score(Retire
d)

BehavioralScore

M085

Original
Credit
Limit

OriginalCreditLi
mit

M086

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

147

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

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
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.

148

FR Y-14M

Line
Item
No.

45
46

Line Item
Name

Current Cash
Advance
Limit
Line Frozen
in the
current
month

Line
Increase or
Decrease in
the
current
month

Minimum
Payment
Due

Technical Line
Item Name

MDRM
(CCRS)

CurrentCashAdva
nceLimit

M088

LineFrozenFlag

M089

LineIncreaseDecr
easeFlag

MinimumPaymen
tDue

M090

M091

Description

For Corporate accounts, report the limit
at the account level and not the
relationship credit limit.
Report the maximum cash advance amount
available to the borrower. Report at the
reporting month’s end.
Report whether the account's credit line is
involuntarily frozen and authorizations are
prohibited on the account in the current
reporting month.
1 = Yes
0 = No
Report whether the account remains open
but the credit line has been increased or
reduced in the current reporting month.
Report if the line change is proactive or
reactive in line item 113. 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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

N12.2

149

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Total
Payment
Due

TotalPaymentDu
e

M092

Next
Payment
Due Date

NextPaymentDue
Date

M093

Actual
Payment
Amount

ActualPaymentA
mount

M094

Description

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.
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.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

Date
YYYYMMDD

Mandatory

N12.2

150

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Total Past
Due

TotalPastDue

M095

Days Past
Due

DaysPastDue

M096

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

Account60PlusDP
DLastThreeYears
Flag

M097

Description

Report the dollar amount of past due
required payments at the end of the current
month’s cycle.
Institutions should report the dollar
amount of total required minimum
payments past due at the end of the current
month’s cycle.
Report the actual number of days the
account is past due as of the current
reporting month's cycle date. If cycle
ending information is not available, report
information at the month-end reporting
date.
Report whether an account was ever 60+
Days Past Due in the last 3 years.

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C:
Character
N12.2

Mandatory

N6.3

1 = Yes
0 = No
InterestType

M098

CycleEndingRetai
lAPR

M099

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

151

FR Y-14M

Line
Item
No.

Line Item
Name

Fee Type

Technical Line
Item Name

FeeTypeFlag

Month-end
Account
Status Active

MonthEndActive
Flag

Month-end
Account
Status Closed

MonthEndClosed
RevokedFlag

MDRM
(CCRS)

M100

M101

M102

Description

(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.
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

152

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Date
YYYYMMDD

Mandatory

either a 1 or 2, whichever is appropriate.
Report cases where company
representatives request the closure of an
employee credit card (a corporate card
under consideration) as 1.
0 = No, the account is not closed and not
charged‐off.
1 = Yes, closed, at the request of the
borrower.
2 = Yes, closed, not at the request of the
borrower.
3 = Yes, closed, borrower deceased.
4 = Yes, closed due to charge off.

Collection
Re-age
Date

CollectionReageD
ate

M103

Charge-off
Reason

ChargeOffReason
Code

M104

Charged off loans or closed loans are
required to be included up to twelve
months after they are closed or charged off.
Report the date of the last account re-age
performed by the collections department,
or in relation to any performance-related
delinquency.
Report the reason for charge-off and loss
recognition on an account in the current
month. This line item should be left blank
for accounts that have not been charged off.
1= Contractual - losses incurred as a
result of borrower's inability to make
full repayment under the contractual
terms of the account.

153

FR Y-14M

Line
Item
No.

Line Item
Name

Gross
Charge-off
Amount –
Current
Month

Recovery
Amount
– Current
Month

Technical Line
Item Name

GrossChargeOffIn
CurrentMonthAm
ount

RecoveryAmount

MDRM
(CCRS)

M105

M106

Description

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
charge-offs, including those related to
acquired impaired loans. Value will only be
populated in the month charged-off.
Value will only be populated in the month
charged-off.
Report the dollar amount of any balance
recovery from a previously charged-off
account collected during the month.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

N12.2

When possible assign recoveries at
account level, including bulk recoveries.
For example, in some instances it may be
reasonable to establish a relationship
between recoveries (or recovery rate) at
the account level, exposure at default, and
potentially other account characteristics.
154

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N12.2

Mandatory

N12.2

This stated relationship can be used in
conjunction with observed losses at a
higher level of aggregation in order to
generate consistent losses at the account
level. This established relationship may
be model based in some cases or
judgmentally based in others.

64
65
66
67
68

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

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.
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.

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

155

FR Y-14M

Line
Item
No.

Line Item
Name

Bankruptcy
Flag

Loss sharing

Technical Line
Item Name

BankruptcyFlag

LossShare

MDRM
(CCRS)

M112

M113

Probability of
Default - PD

Basel2PD

M114

Loss Given
Default LGD

Basel2LGD

M115

Description

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.
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

Optional

N6.5

Optional

N6.5

156

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Expected
Loss Given
Default ELGD

Basel2ELGD

M116

Exposure at
Default EAD

Basel2EAD

M117

EAD id
segment

Basel2EADid

M118

Description

percent loss given default should be
reported as 0.9. This item is mandatory for
firms subject to the advanced approaches
rule.
Report the Expected Loss Given Default
parameter for the account as defined in the
most recent capital framework. More
specifically, report the ELGD associated
with the account’s corresponding segment.
For example, a ninety percent expected loss
given default should be reported as 0.9.
This item is mandatory for firms subject to
the advanced approaches rule.
Report the Exposure at Default for the
account as defined in the most recent
capital framework. More specifically, report
the EAD associated with the account’s
corresponding segment. In particular, for
open-ended exposures assign to all the
accounts in a particular segment the
corresponding LEQ, CCF, or related
parameters, associated with that segment.
After the corresponding parameter is
assigned to each account, calculate the
account EAD and report this as the variable
value. This item is mandatory for firms
subject to the advanced approaches rule.
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Optional

N6.5

Optional

N12.2

Optional

157

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Corporate ID

CorporateID

N031

Variable
Rate
Index

InterestRateInde
x

N032

Description

mandatory for firms subject to the
advanced approaches rule.
For corporate cards, report a unique
identifier that will be the same for a given
corporation from month to month. The
Aggregator will recommend a best practice
for the identification or generation of this
identifier and the safeguarding of account
privacy information.
For non-corporate card, leave blank.
Report variable purchase APR (variable 55)
index, if a loan has a fixed purchase APR,
report as 0.
0 – Fixed APR
1 – Prime Rate
2 – 1 month LIBOR (Retired)
3 – 2 month LIBOR (Retired)
4 – 3 month LIBOR (Retired)
5 – 6 month LIBOR (Retired)
6 – 12 month LIBOR (Retired)
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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

C18

Mandatory

158

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Variable
Rate
Margin
Maximum
APR

InterestRateMarg
in

6271

MaxAPR

N033

Rate Reset
Frequenc
y

RateResetFreq

N034

Description

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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N6.3

Mandatory

N6.3

Mandatory

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
159

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Promotional
APR

PromotionalAPR

N035

Cash APR

CashAPR

N036

Loss Share
ID

LossShareId

N037

Description

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
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

Mandatory

Format
N: Numeric
C:
Character
N6.3

Mandatory

N6.3

Mandatory

The institution should also provide a
written summary of the relevant terms of
each loss sharing agreement along with
the corresponding LossShareId number.
160

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N7.5

Mandatory

N12.2

Additional supporting documentation
may be requested if necessary.

Loss Share
Rate

LossShareRate

N038

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

Other
Credits

OtherCredits

N039

2 = Report the number two if the account
is associated with a loss sharing
agreement that is too complex to be
characterized by a simple loss share rate.
It is particularly important in this case
that the institution provides a written
summary of the relevant terms of each
loss sharing agreement. Additional
supporting documentation may be
requested if necessary.
Report the dollar amount of all credits
(other than cardholder payments) received
during the current month's cycle, including
merchandise returns and reward cash

161

FR Y-14M

Line
Item
No.

89
90

Line Item
Name

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

Technical Line
Item Name

MDRM
(CCRS)

Description

credits. Exclude fee reversals or waivers,
which are accounted for in the "Fees
Incurred" line item.
Report the number of cycles the account is
past due as of the current month's cycle
date

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

AccountCycleEnd
Delinquency

N129

AccountMonthEn
dDelinquency

N130

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

Mandatory

FinanceCharge

N131

Report the dollar amount of the net finance
charges assessed on the reporting month's
statement. If the account did not have
finance charges on the statement, report as
zero.

Mandatory

N12.2

FeeNetLateAmou
nt

N132

Mandatory

N12.2

FeeNetOverLimit
Amount

N133

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

FeeNetNSFAmou
nt

N134

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.

Mandatory

N12.2

162

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

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

FeeNetCashAdva
nceAmount

N135

FeeNetMonthlyA
nnualAmount

N136

FeeNetDebtSuspe
nsionAmount

N137

Fees
Incurred –
Balance
Transfer

FeeNetBalanceTr
ansferAmount

N138

Fees
Incurred Other

FeeNetOtherAmo
unt

N139

Debt
Suspension
/Cance
llation
Program
Enrollment

DebtWaiverProgr
amEnrolFlag

N140

Description

Static or
Dynamic

Mandatory
or Optional

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

Mandatory

Format
N: Numeric
C:
Character
N12.2

Mandatory

N12.2

Mandatory

N12.2

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

Mandatory

N12.2

Mandatory

N12.2

Mandatory

163

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Debt
Suspension
/Cance
llation
Program
Active

DebtWaiverProgr
amActiveFlag

N141

Cycle-end
Account
Status Active

CycleEndActiveFl
ag

N142

100

Cycle-end
Account
Status Closed

CycleEndClosedR
evokedFlag

N143

Description

Static or
Dynamic

Mandatory
or Optional

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

Mandatory

Format
N: Numeric
C:
Character
N1

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

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

164

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

the account does not cycle in the current
month report the last known status.

101

Skip-apayment

SkipaPaymentFla
g

N144

102

Credit Card
Workout
Program

WorkoutProgram
Flag

N145

103

Workout
Program
Type

WorkoutProgram
Type

N146

0 = No, the account is not closed and not
charged‐off.
1 = Yes, closed, at the request of the
borrower.
2 = Yes, closed, not at the request of the
borrower.
3 = Yes, closed, borrower deceased.
4 = Yes, closed due to charge off.
Report whether the account holder opted
for a promotional skip-a-payment during
the reporting month.
1 – Yes
0 – No
Report whether the account entered into
any type of workout program during the
current reporting month.
1 – Yes
0 – No
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.

165

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

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

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

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

N12.2

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.

105

Settlement
Portion
Forgiven

SettlementPortio
nForgivenAmoun
t

N148

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
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.

167

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

106

Customer
Service
Re-age
Date

CustomerService
ReageDate

N149

107

Principal
Chargeoff
Amount –
Current
Month

PrincipalChargeO
ffInCurrentMonth
Amount

N150

108

Fraud in the

FraudFlag

N151

Description

Report the date of the last re-age
performed by any customer service rep (for
example, in response to an erroneous
payment posting or other similar nonperformance issue.) Customer service reages occur anytime an account's
delinquency status is changed by someone
or through some program outside of the
established collections program - this
includes moving a current account to
delinquent (i.e. due to NSF insufficient
funds) or moving a delinquent account to
current.
Report the total amount of any principal
write-downs (or principal reversals) on the
account during the reporting month.
Record all charges against the Allowance
for Credit Losses on Loans and Leases, as
defined in the FR Y-9C glossary entry for
“allowance for credit losses on loans and
leases”. Do not report write-downs related
to fees, finance charges and other nonprincipal 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

Static or
Dynamic

Mandatory
or Optional

Mandatory

N12.2

Mandatory

Format
N: Numeric
C:
Character
Date
YYYYMMDD

168

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

current
month
109

Original
Credit
Bureau
Score
Name

OriginalCreditSco
reName

N152

110

Refreshed
Credit
Bureau
Score
Name

RefreshedCreditS
coreName

N153

Description

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

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

169

FR Y-14M

Line
Item
No.

111

112

Line Item
Name

Behavioral
Score
Name/Ve
rsion(Ret
ired)
Credit Limit
Type

Technical Line
Item Name

MDRM
(CCRS)

BehavioralScore
NameVersion

N154

CreditLimitType

N155

Description

provided was not mapped to a
commercially available credit score, please
select “None”.
1 - FICO
2 - VantageScore
3 - Other
4 – None
Report the name and version of the
behavior score reported in line item 42.

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

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.
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

Optional

Date
YYYYMMDD

Mandatory

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

113

114

115

Credit Line
Change
Type

Date CoBorrower
Was
Added(Retir
ed)
Entity Type

CreditLineChange
Type

N156

CoBorrowerAddD
ate

N157

EntityType

M952

1 = Purchase Limit
2 = Shadow Limit
Report the line change reported in line item
47 as proactive (bank-initiated) or reactive
(borrower request). Pre-qualified offers
sent by the bank where the customer must
take action to accept the offer should be
reported as bank-initiated.
1 = Proactive
2 = Reactive
3 = Unknown
0 = No line change
Report the date the co-borrower was added
to the account.

Report the entity type that owns the
reported loan.
Entity type refers to the legal form or
charter of the subsidiary of the BHC or
IHC or SLHC that owns the reported loan.
1 = National Bank
2 = State Member Bank

171

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

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

Origination
Credit
Bureau
Score
Version

OriginalCreditScor
eVersion

R037

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

Description

3 = Nonmember Bank
4 = State Credit Union
5 = Federal Credit Union
6 = Non-bank Subsidiary
0 = Other
Provide the version of the commercially
available credit bureau score reported or
mapped to in item 38 using the format
“score-name score-version” (for example,
“FICO 08” or “FICO Classic” or “FICO
NextGen” or “FICO Industry” or
“VantageScore 3.0”, or the corresponding
score name and version using the specified
format if “Other” was selected in item 109).
Provide the version of the commercially
available credit bureau score reported or
mapped to in item 40 using the format
“score-name score-version” (for example,
“FICO 08” or “FICO Classic” or “FICO
NextGen” or “FICO Industry” or
“VantageScore 3.0”, or the corresponding
score name and version using the specified
format if “Other” was selected in item 110).
Indicate if an internal score was used to
map to a commercially available credit
bureau score in item 38, or if a
commercially available credit bureau score
was reported directly. If none of these
options were selected, leave this field blank.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

C30

Mandatory

C30

Mandatory

172

FR Y-14M

Line
Item
No.

119

120

121

122
123

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Internal
Origination
Credit Score
Value
Internal
Refreshed
Credit Score
Flag

InternalOrigScore
Value

R041

InternalRefrScore
Flag

R042

Internal
Refreshed
Credit Score
Value
MonthEnding
Balance
National
Bank RSSD
ID

InternalRefrScore
Value

R043

MonthEndingBala
nce

JA25

NationalBankRSSD
ID

JA26

Description

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

Mandatory

N6.3

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

Mandatory

N6.3

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

Mandatory

N12.2

Mandatory

N10

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.

173

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Description

loan if it owns the loan and/or services the
loan.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C:
Character

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.

174

FR Y-14M

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

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Bank Id
Period Id

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).
175

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.
176

FR Y-14M

Technical Line
Item Name

MDRM
(CCRS)

Line
Item
No.

Line Item
Name

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

177

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
ACL
Managed
Balance

NumberNewAccounts

M122

ACLManagedBalance

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 allowance for
credit losses on loans and leases (ACL)
assigned to the managed credit card
portfolio at the end of the month;
include reserves maintained for
securitized assets, if any. The managed
portfolio is defined as all the credit card
loans institutions own, service, or

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

178

FR Y-14M

MDRM
(CCRS)

Line
Item
No.

Line Item
Name

ACL Booked
Balance6

ACLBookedBalance

M124

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

ProjectedManagedLos
ses

M125

ProjectedBankowned
Losses

M126

ManagedGrossCharge
Offs

M127

Booked Gross
Charge-offs
for the
current
month

OnBalanceSheetGross
ChargeOffs

M128

12
13

Technical Line
Item Name

Description
manage for others on and/or off their
balance sheets.
Report the amount of the allowance for
credit losses on loans and leases
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.
(Including, the total amount of any
write-downs, fee waivers or reversal of

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

6 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.

179

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

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

Managed

ManagedPrincipalRec
overyAmount

M133

Description
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
through the allowance for credit
losses on loans and leases, in the
current reporting month.
Report amounts recovered attributed as
principal recovery on credit card loans

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4
180

FR Y-14M

Line
Item
No.

Line Item
Name
Principal
Recovery
Amount
Managed
Interest and
Fees
Recovery
Amount
Booked
Principal
Recovery
Amount

Technical Line
Item Name

MDRM
(CCRS)

ManagedInterestReco
veryAmount

M134

BookedPrincipalReco
veryAmount

M135

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

BookedInterestRecov
eryAmount

M136

InterestAndFeeCharg
eOffAmount

M137

Loan Loss
Provision

LoanLossProvisionEx
pense

M138

Description
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
month. Interest and fee reversals,
waivers or write-downs can include
those charged against the allowance
for credit losses on loans and leases,
or a separate valuation reserve, or
reversed against current period
income during the reporting period.
Report loan loss provision expenses
during the month for credit cards only.

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
181

FR Y-14M

Line
Item
No.

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

Expense

Loan Loss
Provision
Taken

ProvisionExpenseTak
en

Loan Loss
Provision
Build

ProvisionExpenseBuil
d

M139

M140

Description

Typically Loan Loss Provision Expense
will be the sum of Loan Loss Provision
Taken (Line item 25) and Loan Loss
Provision Build (Line item 26).
Report provision expenses taken during
the month for credit cards only.
This value should equal the total
amount that is charged against the loss
provision during the current month
(charged‐off – recovery).
Report the additional provision built up
during the month for credit cards only.
Provision build equals: provision
expense + recoveries - charge-offs
against the allowance for credit
losses on loans and leases.
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).

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4

This value should be the additional
loss provision made during the
month according to the approved loss
reserve methodology.
182

FR Y-14M

Line
Item
No.
27

Line Item
Name

Technical Line
Item Name

MDRM
(CCRS)

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

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

M141

Interest
Expense

InterestExpense

N158

Total NonInterest
Expense
Total NonInterest
Expense Interchange
Expense
Total NonInterest
Expense Rewards/Re
bates
Expense
Total NonInterest
Expense Collections
Expense
Total NonInterest
Expense Fraud

TotalNonInterestExpe
nse

N159

InterchangeExpense

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character
N12.4

Extraordinary ExtraOrdinaryItems
Items

Description

183

FR Y-14M

Line
Item
No.

Line Item
Name
Expense
(Effective
for
submission
of June 2013
data)
Total NonInterest
Expense - All
Other
Expenses

Technical Line
Item Name

MDRM
(CCRS)

OtherNonInterestExp
ense

N164

Interest
Income

InterestIncome

N165

Fee Income

TotalFeeIncome

N166

Description

Report all other operating and other
expenses associated with card
operations. This includes servicing,
cardholder billing, processing
interchange, processing payments, card
issuing, authorizations, card
administration and outside
services/outsourcing expenses, etc.
Report total interest accrued and billed
on credit card receivables for the
month, less any interest waived or
reversed as uncollectible or any
amount added to a contra- asset
account for uncollectible interest that
the bank maintains and reports
separately from the allowance for
credit losses on loans and leases. 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 allowance for credit losses on

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Mandatory

N12.4

Mandatory

N12.4

184

FR Y-14M

Line Item
Name

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

LateFeeIncome

N167

OverLimitFeeIncome

N168

BalanceTransferFeeIn
come

N169

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

CashAdvanceFeeInco
me

N171

NSFFeeIncome

N172

OtherFeeIncome

N173

38
39

40
41

42
43

Technical Line
Item Name

MDRM
(CCRS)

Line
Item
No.

Description
loans and leases. Interchange, annual
and debt suspension/cancellation fees
should not be reported here.
Report net fees assessed for late or
nonpayment accounts.

Static or
Dynamic

Mandatory
or Optional

Format
N: Numeric
C: Character

Mandatory

N12.4

Report fees assessed for accounts going
over established credit limits.

Mandatory

N12.4

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

Mandatory

N12.4

Mandatory

N12.4

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.

Mandatory

N12.4

Mandatory

N12.4

185

FR Y-14M

Line
Item
No.
44

MDRM
(CCRS)

Line Item
Name

Technical Line
Item Name
InterchangeIncome

N174

Interchange
Income
All Other
Non-Interest
Income

OtherNonInterestInco
me

N175

Taxes

N176

Description
Report interchange fees received from
the card associations.
Report any other non-interest
income as a part of total income
that is not reported in line items
35, 36 (summation of 37-43), and,
including annual fees, debt
suspension/cancellation product
fees, etc., associated with card
operations.
Report tax expenses applicable to credit
card income.

Static or
Dynamic

Mandatory
or Optional

Mandatory

Format
N: Numeric
C: Character
N12.4

Mandatory

N12.4

Mandatory

N12.4

186