Version as of August 27, 2015

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OMB No. 7100-0341

Expiration Date: October 31, 2017

Instructions for the

Capital Assessments and Stress Testing information collection 

(Reporting Form FR Y-14M)

This Report is required by law: section 165 of the Dodd-Frank Act (12 U.S.C. § 5365) and section 5 of the Bank

Holding Company Act (12 U.S.C. § 1844). Public reporting burden for this information collection is estimated to be 

approximately 510 hours per response, including time to gather and maintain data in the required form and to 

review instructions and complete the information collection. Commentsregarding this burden estimate or any other

aspect of this information collection, including suggestionsfor reducing the burden, may be sent to Secretary, Board

of Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551, and to the Office of

Management and Budget, Paperwork Reduction Project (7100-0341), Washington, DC 20503.
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General Instructions......................................................................................................................................................... 3

Schedule A: Domestic First Lien Closed-end 1-4 Family Residential Loan Data Dictionary............................................ 7

A.1 LOAN LEVEL TABLE ...................................................................................................................................................................... 10

A.2 PORTFOLIO LEVEL TABLE .............................................................................................................................................................. 95

Schedule B: Domestic Home Equity Loan and Home Equity Line Data Dictionary ....................................................... 96

B.1 LOAN/LINE LEVEL TABLE .............................................................................................................................................................. 99

B.2 PORTFOLIO LEVEL TABLE ............................................................................................................................................................ 136

Schedule C: Address Matching Loan Level Data Collection......................................................................................... 137

C.1 DATA TABLE............................................................................................................................................................................. 139

Schedule D: Domestic Credit Card Data Collection Data Dictionary............................................................................ 143

D.1 LOAN LEVEL TABLE.................................................................................................................................................................... 145

D.2 PORTFOLIO LEVEL TABLE ............................................................................................................................................................ 183
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INSTRUCTIONS FOR PREPARATION OF

Capital Assessments and Stress Testing Report

FR Y-14M

General Instructions

The Capital Assessments and Stress Testing Report (FR Y-14M report) collects detailed data on bank holding

companies’ (BHCs) loan portfolios, which will be used to support supervisory stress testing models and for 

continuous monitoring efforts. The FR Y-14M report is comprised of three loan- and portfolio-level 

collections, and one detailed address matching collection. These consist of Domestic First Lien Closed-end 1-

4 Family Residential Loan, Domestic Home Equity, Address Matching, and Domestic Credit Card data 

collections. The number of schedules a BHC must complete is subject to materiality thresholds and certain 

other criteria. 

The FRY-14M report instructions are in data dictionary format. The individual report instructions contain 

specifications of line item names and formats, item descriptions, and indicate whether items are mandatory 

or optional. For information regarding technical specifications please see “How to Prepare the Reports” 

below, as well as the general instructions for individual collections.

Who Must Report

A. ReportingCriteria

Bank holding companies (BHCs) with total consolidated assets of $50 billion or more, as

defined by the capital plan rule (12 CFR 225.8), are required to submit the Capital

Assessment and Stress Testing report (FR Y-14A/Q/M)to the Federal Reserve. The capital

plan rule defines total consolidated assets as the average of the company’s total consolidated

assets over the course of the previous four calendar quarters, as reflected on the BHC’s

Consolidated Financial Statement for Bank Holding Companies (FR Y-9C). Total assets shall

be calculated based on the due date of the bank holding company’s most recent FR Y-9C. If 

the BHC has not filed an FR Y-9C for each of the four most recent quarters, the average of the 

BHC’s total consolidated assets in the most recent consecutive quarters as reported quarterly 

on the BHC’s FR Y-9C should be used in the calculation. 

Certain data elements within the schedules are subject to materiality thresholds. The

instructions to these data schedules provide details on how to determine whether a BHC must 

submit a specific data collection or data element. Material portfolios are defined as those with 

asset balances greater than five billion or asset balances greater than five percent of Tier 1 

capital on average for the four quarters preceding the reporting quarter. For schedules that 

require the institutions to report information on serviced loans, the materiality threshold is 

based on the asset balances associated with the BHC’s owned portfolio. All data used to 

determine materiality should be measured as of the close of business of the last calendar day of 

the quarter, and assets included in a given portfolio are defined in the instructions for each 

schedule. BHCs also have the option to complete the data schedules for immaterial portfolios. 

B. Exemptions 
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BHCs that do not meet the reporting criteria listed above are exemptfrom reporting. The 

following institutions are also exempt:

(1) BHCs, savings and loan holding companies (SLHCs) and state member banks 

(SMBs) with average total consolidated assets of greater than $10 billion but less 

than $50 billion subject to the final rule on annual company-run stress tests (12 

CFR 252(h)) are not required to file this report. However, institutions meeting this 

threshold should review the reporting requirements and instructions for the 

Annual Company-Run Stress Test Projections (FR Y-16) on the Board’s public 

website. 

(2) SLHCs are currently not required to comply with FR Y-14 reporting 

requirements. Further information regarding reporting for SLHCs will be 

provided in the future.0F

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Where to Submitthe Reports

All bank holding companies subject to these reporting requirements must submit their completed reports 

electronically. Bank holding companies will be provided information on how to transmit data directly to the 

Federal Reserve or to the Federal Reserve through data aggregators.

When to Submitthe Reports

BHCs must file the FR Y-14M schedules monthly as-of the last business day of each calendar month. The

reported data is to be submitted by the 30th calendar day after the last business day of the preceding 

calendar month. All submissions will be due on or before the end of the submission date (unless that day falls

on a weekend (subject to timely filing provisions)). 

If the submission date falls on a weekend or holiday,the data must be received on the first business day after

the weekend or holiday. No other extensions of time for submitting reports will be granted. Early submission, 

including submission of schedules on a flow basis prior to the due date, aids the Federal Reserve in reviewing

and processing data and is encouraged.

For new reporters of the FR Y-14M schedules, the initial deadline will be 90 days after the end of the reporting 

month, at which time data for all three intervening months would be due. For example, a new respondent for 

the September 30 reporting period will be expected to submit data corresponding to the September 30, 

October 31, and November 30 reporting periods by December 31. 

How to Prepare the Reports:

A. Applicability of GAAP

BHCs are required to prepare and file the FR Y-14M schedules in accordancewith generally accepted

accounting principles (GAAP) and these instructions. The financial records of the BHCs should be

maintained in such a manner and scope to ensure the FR Y-14M is prepared in accordance with these

 

1 SLHCs would not be subject to Dodd-Frank annual company-run stress testing requirements until the next 

calendar year after the SLHCs become subject to regulatory capital requirements.
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instructions and reflects a fair presentation of the BHCs' financial condition and assessment of performance 

under stressed scenarios.

B. Rules of Consolidation

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

C. Technical Details

The following instructions apply generally to the FR Y-14M schedules, unless otherwise specified. Please 

refer to the general instructions for each data dictionary and data collection for further information on the 

technical specifications.

 Ensure that any internal consistency checks are complete prior to submission.

• Dates should be entered in an YYYYMMDD format (unless otherwise indicated).

• Report negative numbers with a minus sign (-).

• An amount, zero or null should be entered for all items, except in those cases where other 

options such as “not available” or “other” are specified. If information is not available or not 

applicable and no such options are offered, the line item should be left blank.

• In the case of the First Lien, Home Equity, and Address Matching Schedules, the BHCs should

provide the data each month in a single pipe‐delimited text file. Line items should be delimited 

with a vertical bar (|, ASCII decimal 124, ASCII hexadecimal 7C).

D. Other Instructional Guidance

BHCs should review the following published documents (in the order listed below) when determining the 

precise definition to be used in completing the schedules. Where applicable, references to the FR Y-9C have 

been provided in the instructions and templates noting associations between the reporting series.

1) The FR Y-14M instructions;

2) The FR Y-14Q/A instructions;

3) The latest available FR Y-9C instructions published on the Federal

Reserve’spublic 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 exemptfrom 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 Reservewill 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.
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If resubmissions are required, institutions should contact the appropriate Reserve Bank, as well as the 

FR Y-14 mailbox at info@ccar.frb.org, and resubmit data via the Intralinks website.

G. Legal Considerations for International Exposures

A BHC is not required to report a particular data item if a foreign law prohibits the BHC from providing the 

information to the Federal Reserve. However, the Federal Reserve is authorized by law to collect 

information from a BHC regarding its exposures, including foreign exposures. 

A BHC must include with its data submission a legal analysis of the foreign law that prohibits reporting the 

data to the Federal Reserve. The legal analysis must include, but is not limited to: a detailed description and 

analysis of the law(s) prohibiting the reporting of the information to the Federal Reserve, a summary 

description of the exposures omitted, any other information the BHC deems relevant to justifying omission 

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

H. Questions and Requests for Interpretations

BHCs should submit any questions or requests for interpretations by e-mail to info@CCAR.frb.org.

Definition of Commercially Available Credit Bureau Score:

For the purposes of the FR Y-14M, a credit score is a numerical value or a categorization derived from a 

statistical tool or modeling system that characterizes the credit risk of a borrower used by a person who 

makes or arranges a loan to predict the likelihood of credit default. A credit bureau score is a credit score 

based solely on the borrower’s credit history available through one of the three national credit reporting 

agencies (Equifax, Experian, and TransUnion).

A commercially available credit bureau score is a credit bureau score which is available to all commercial 

lenders. For example, FICO 08 and VantageScore 3.0 are commercially available credit scores, while 

internally developed credit scores and custom scores tailored to a lender’s own portfolio and provided by 

third parties are not commercially available credit scores.

For a commercially available credit bureau score to qualify for submission in this schedule, the Federal 

Reserve must be able to obtain sufficient information from the credit score vendor to (a) determine 

whether the credit score is empirically derived and demonstrably sound (b) evaluate the performance of 

the credit score and (c) compare that performance to other commercially available credit bureau scores. 

The Federal Reserve reserves the right to determine whether a credit score qualifies as a commercially 

available credit bureau score for the purposes of this schedule.

Most Recent Capital Framework:

For all items and instructions related to regulatory capital, particularly where the “most recent capital 

framework” is referenced, respondents should refer to 12 CFR parts 208, 217, and 225.
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Schedule A: Domestic First Lien Closed-end 1-4 Family Residential Loan Data 

Dictionary

Loan Population

 The relevant loan population includes all loans directly held on the BHC’s portfolio and all loans 

serviced by the BHC in that period. Loans should be reported based on their classification on the FR Y9C, Schedule HC-C (i.e. based on the loans security, counterparty, or purpose). Refer to the FR Y-9C 

instructions for Schedule HC-C for guidance on loan classification. Please note, lien status (first, junior, 

etc.) is considered an origination attribute. Below is a list of FR Y-9C items that are considered 

applicable loans for this schedule:

o Portfolio loans are defined as all loans meeting the definition of FR Y-9C, Schedule HC-C, item 

1.c.(2)(a) (first lien closed-end loans secured by 1-4 family residential real estate).

o Serviced loans include those meeting the definition of first lien loans reported in FR Y-9C, 

Schedule HC-S, item 1 column A, Schedule HC-S item M.2.a, Schedule HC-S, item M.2.b, Schedule 

HC-S, item M.2.c, and Schedule HC-S, item M.2.d.

 In addition to loans that are currently active during the reporting period, the following loans should 

also be included:

o All inventory that has been transferred to another servicer, but only if transferred during the 

reporting month.

o All inventory that was liquidated, but only if liquidated during the reporting month. For 

purposes of this schedule, liquidated is defined as inventory that has been sold or has been 

otherwise disposed of.

 Starting with the March 2013 data submission, BHCs are required to continue reporting data on loans 

which become Real Estate Owned (REO). If a loan is submitted under the FR Y-14M First Lien data 

schedule through a certain period and becomes an REO, then this loan will be reported through the 

time the loan terminates as a REO sale or otherwise. BHCs are required to report all REO loans – either 

serviced by them or sub-serviced by other institutions on their behalf. However, REO balances should 

not be included in the Portfolio Level Table.

 Please note that BHCs will continue to report data on the loans which become REO loans using a 

consistent loan number throughout the history of the loan. Please ensure that the loan number, once 

assigned to a loan, is not changed as a result of sub servicing or any related aspects. 

 For loans secured by multiple pieces of collateral, only report the loan as REO when all the collateral 

backing the loan has become REO and the loan has been terminated.

 For commercial real estate (CRE) or business purpose loans collateralized by multiple 1-4 family 

residential properties, place values to the best of your ability. 

 If the loan is a commercial purpose loan then only report attributes that are unique to the facility as a 

whole. 

 For loans serviced for others, report the full outstanding balance on the loan. Participated loans should 

be included in this schedule and institutions should report the total loan balance as bank owned. 

 For all line items, institutions should enter an amount, enter zero, or leave blank except in those cases 

where other options such as “not available” or “other” are specified. If information is not available or 

not applicable and no such options are offered, the line item should be left blank.

 We require that a loan number uniquely identify a loan through its entire life. If a BHC is also 

submitting data to the OCC as part of the OCC Mortgage Metrics Data or OCC Home Equity Data, it is 
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required that the BHC use the same loan number for the FR Y-14M data schedules for all loans that are 

being reported for the first time in the current reporting period. In the case that a BHC has been 

submitting different loan numbers for the same loan in the FR Y-14M collection versus OCC data 

collection, the BHC should continue reporting using the same loan numbers as they have been 

submitting for the FR Y-14M submissions. There may be instances where the FR Y-14M data population 

includes additional loans which are not part of the OCC data sample, and for such loans a unique loan 

number should be reported. Overall, the data file sent by a BHC should have unique loan numbers

across the entire submission. 

Additional Formatting

 The collection includes both loan level and portfolio level variables. 

 The institutions should provide the loan level data each month in a single text file. This will be a 

“month-end” file produced each month and reported no later than thirty (30) calendar days after the 

end of the reporting month. This file will contain one record per active loan in the contributor’s 

inventory. 

 Institutions should provide a separate text file for the portfolio level variables. This will be a “monthend” file produced each month and reported no later than thirty (30) calendar days after the end of the 

reporting month. This file will contain one record per portfolio segment. Portfolio segments are 

defined as:

1. Serviced – All serviced loans.

2. Portfolio HFI Purchased Impaired – All portfolio loans/lines acquired with deteriorated 

credit quality and accounted for in accordance with ASC subtopic 310-30 (formerly AICPA 

statement of position 03-3), as defined in the FR Y-9C, Schedule HC-C, item M.5.

3. Portfolio HFI FVO / HFS – All portfolio loans held for investment measured at fair value 

under a fair value option or held for sale.

4. Other Portfolio – All portfolio loans that are not measured at fair value, not purchase 

impaired, and not serviced.

 Options for all line items are comprehensive in identifying a valid value for all loans regardless of status. 

If a mandatory line item is unknown or unavailable and the line item definition does not indicate 

‘Unknown’ as a valid line item option, the line item should be left blank and it will be treated as missing 

data. Also, if a line item does not apply to the loan, the line item should be left blank.

 For loan level variables representing monetary value please use the U.S. Dollar ($) as the reporting

monetary unit.

 For portfolio level variables representing monetary value please use millions of dollars ($ Millions) as

the reporting monetary unit.

 Optional and best efforts line items are noted in the instructions in the table below.

 No quotation marks should be used as text identifiers.

 Please do not provide a header row.

 For any line item with a format of ‘character’, please provide the code values as listed in the data 

dictionary. Do not add a leading or trailing zero or any other character to the data unless specified. It is 

required that the data formats and code values as listed in this document be strictly followed.

o Example: For a data item defined as Character (2), if the respondent is to report the value ‘1’, 

then the respondent should submit only the character ‘1.’ The respondent should not submit 

‘01’, ‘<space>1’, ‘1<space>’, or any other combination that includes a second character.
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 Inactive inventory that was paid off in one manner or another (servicing transfer, involuntary 

liquidation or paid-in-full by borrower) before the beginning of the reporting month should not be 

included. REO loans as described above will now be included in the data. This holds even if the REO 

loans were transferred to another servicer.

 The tables on the following pages give more information regarding the line items that should be 

contained in each of the files.

File Naming Convention:

BHCs must use the following naming convention when submitting data files to the data aggregator.

FRY14_FIRSTLIEN_LOANLEVEL_<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 has to resubmit the same file, then use ‘02’ for the next submission, 

and so on.

In the case of the First Lien Schedule, BHCs should provide the data each month in a single pipe‐delimited 

text file. Line items should be delimited with a vertical bar (‘|’, ASCII decimal 124, ASCII hexadecimal 7C).

Example:

Institution A has ID_RSSD equal to 999999. For the First Lien Loan level data file submitted for period 

201206, the file would be named as FRY14_FIRSTLIEN_LOANLEVEL_999999_201206_01.TXT. Any 

subsequent revised First Lien Loan level file submitted by the institution for the same period will be named 

as FRY14_FIRSTLIEN_LOANLEVEL_999999_201206_02.TXT, and so on
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A.1 Loan Level Table

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

1 Loan Number M142 Loan Number - Report an 

identifier for a loan that will be 

the same from month to month. 

Reference numbers may be 

used in lieu of actual loan 

numbers as long as it meets 

these criteria. 

This loan identifier must 

uniquely identify any loan in 

the file. It must identify the loan 

for its entire life and must be 

unique (piggy-backs should be 

separated).

If the BHC is already submitting 

data to the OCC as part of the 

OCC Mortgage Metrics Data or 

OCC Home Equity Data, it is 

required that the BHC use the 

same loan number for the FR Y‐

14M data schedules. However, 

if a BHC has already been 

submitting different loan 

numbers for the same loan for 

the FR Y-14M and the OCC 

collections, the BHC should 

continue submitting the same 

loan number it has been using 

for the FR Y-14M.

Note that the FR Y‐14M data 

A contributor-defined alphanumeric value up to 32 

characters. Please refer to 

additional details listed on Page 

8 of this document.

Character (32)
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Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

population may include 

additional loans, which may not 

be part of the OCC data sample, 

and for such loans the general 

requirements listed in the 

schedule instructions will be

applicable. Overall, the entire 

data file sent by a BHC should 

have unique loan numbers 

across the entire submission. 

2 Loan Closing Date M143 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.

YYYYMMDD YYYYMMDD

3 First Payment Date M144 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.

YYYYMMDD YYYYMMDD
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Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

4 Property State 9200 Property State – Report the 

state in which the property is 

located.

Two-letter postal codes for the 

state.

Character (2)

5 Property ZIP Code 9220 Property Zip Code – Report the 

five-digit ZIP code. 

Five-digit, Include leading 

zeroes, e.g.: 00901, 10101

Character(5)

6 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.

Amount of loan rounded to the 

nearest whole dollar.

e.g., 125000 for $125,000.00

Use banker’s rounding.

Whole Number

7 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

8 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
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Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

9 Original Combined 

LTV

M150 Original Combined LTV –

Report the original combined 

loan-to-value (CLTV) ratio, 

which is the original first loan 

amount and any junior liens at 

the time of origination divided 

by the lesser of the selling price 

or the appraised value of the 

property securing the mortgage 

at origination.

This line item may be provided 

on a best efforts basis for loans 

serviced for others and loans 

acquired through mergers and 

acquisitions.

Provide as a fraction. E.g.:

0.8 for 80%

1.05 for 105%

Numeric, to 2 

decimals

10 Income 

Documentation

M151 Report how the borrower’s 

income levels were 

documented at time of 

origination.

• Full – The borrower provided 

full verification of income levels 

via W2, pay stubs, tax returns, 

etc.; assets were verified; and 

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 

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)
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Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

and/or DTI (debt to income 

ratio) of the borrower. This 

categorization applies to any 

combination of the 

aforementioned limited 

documentation standards, 

excluding Stated Income 

programs.

• Stated - Stated Income 

includes all mortgages where 

the borrower was qualified for 

approval based on 

representation of income, 

without direct verification of 

either the source or amount of 

said income by the lender. 

Assets were not verified.

This line item may be provided 

on a best efforts basis for loans 

serviced for others and loans 

acquired through mergers and 

acquisitions.

Note: 

The “Alt/Low - Lender” or 

"Stated - Lender" categories 

should be used for those 

situations in which the BHC’s 

automated underwriting 

system suggested to a 

particular customer a low/no 

doc or stated income loan. 
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Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

“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. 

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.

11 Debt to Income 

(DTI) Back-End at 

Origination

M152 Debt to Income (DTI) – Report 

the DTI ratio. This ratio is the 

percent of a borrower’s total 

monthly debt payments 

(including proposed housing 

expenses) divided by his or her 

gross monthly income, used to 

determine the mortgage 

amount that qualifies a 

borrower.

This line item may be provided 

on a best efforts basis for loans 

serviced for others and loans 

acquired through mergers and 

acquisitions.

Back-end DTI ratios give the 

percentage of monthly income 

necessary to cover all of the 

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

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

borrower’s debt obligations.

12 Debt to Income 

(DTI) Front-End at 

Origination

M153 DTI Ratio (Front-end) at 

origination – Report the Frontend DTI (PITI Housing Ratio) at 

origination of the mortgage. 

Front-end DTI ratios give the 

percentage of a borrower's 

monthly income that would go 

toward housing (PITI) 

expenses. The total liabilities of 

the borrower, including the 

monthly principal, interest, 

taxes, insurance, association 

dues, etc., should be divided by 

the total monthly income of the 

borrower. This line item

should be measured at 

origination.

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

13 Origination Credit 

Bureau Score

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.

Provide as a whole number,

e.g.:759

Whole Number
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Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

14 Occupancy M155 Report Occupancy related 

information available on the 

mortgage at the time of 

origination.

Occupancy Coding

1 = Primary

2 = Second Home

3 = Non Owner / Investment

U = Unknown

Character(1)

15 Credit Class M156 Credit Class – Report the 

servicer defined Prime, Alt-A, 

and Non-prime designation.

Please note that this is a 

servicer defined line item.

Note: Many government 

programs are constructed 

outside the conventional 

market where these definitions 

apply. For this reason, we have 

added a new code value of '4' 

for government loans, since 

they are difficult to classify 

within these definitions.

Although the Credit Class line 

items in the FR Y-14M First 

Lien and Home Equity 

schedules allow servicerdefined categories of Prime, 

Non-Prime and Alt-A 

mortgages, these definitions 

should be consistent across 

time periods within a single FR 

Y-14M submission and 

consistent across multiple FR 

Y-14M submissions over time.

1 = Prime

2 = Alt-A

3 = Non-prime

4 = Government Owned

Character(1)
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Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

16 Loan Type M157 Report the product group (i.e. 

loan type). Loan type should 

reflect the loan type at the time 

of origination.

• FHA Residential - Loans 

insured by the Federal Housing 

Administration

• VA Residential - Loans 

insured by the Department of 

Veterans Affairs

• Conventional without Private 

Mortgage Insurance -

Conventional w/o PMI –

Mortgages with neither 

government nor private 

mortgage insurance

• CRA (Community 

Reinvestment Act)

•FHA Project

•Conventional with Private 

Mortgage Insurance -

Conventional with PMI – Nongovernment insured mortgages 

insured by a private (nonLoan Type Coding

1 = FHA Residential

2 = VA Residential

3 = Conventional without 

Private Mortgage Insurance

4 = CRA

5 = FHA Project

6 = Conventional with Private 

Mortgage Insurance

7 = HUD 235 Loans

Y = Other

U = Unknown

Character(1)
19

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

government) insurer

• HUD 235 Loans

• 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)

18 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.

• 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 

1 = Retail (Branch, Internet)

2 = Wholesale

3 = Correspondent

4 = Servicing Rights Purchased

5 = Bulk Purchased

6 = Wealth Management / 

Private Banking

U = Unknown

Character(1)
20

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

production channel. Report as 

broker originated all thirdparty originated loans where 

the bank cannot distinguish 

between broker and 

correspondent originated.

• Correspondent - Mortgages 

acquired through the reporting 

institution's correspondent 

production channel. This 

includes all mortgage whole 

loans purchased on a recurring 

basis (flow) from another 

correspondent institution, 

eligible for securitization into 

the secondary markets or 

portfolio retention on the 

bank's balance sheet. Report as 

broker originated all thirdparty originated loans when 

the bank cannot distinguish 

between broker and 

correspondent originated.

• Bulk Purchase – Pools of 

mortgage whole loans 

purchased from a third party 

originator for the right to 

securitize or retention in the 

bank-owned portfolio. 

Residential Mortgages acquired 

for the Servicing Portfolio in 

this manner are typically 

negotiated as one-time 
21

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

transactions between a 

Mortgage Institution and an 

independent third party 

originator (Mortgage Company 

or Correspondent). Report all 

bulk acquisitions and 

correspondent flow 

acquisitions as correspondent 

originated when the institution 

cannot distinguish between 

these categories. Do not label 

bank acquisitions as Bulk 

Purchases.

• Servicing Rights Purchased -

Refers to a separately 

negotiated purchase of 

mortgage servicing rights 

(PMSR) from a third party. 

When the servicer cannot 

distinguish between bulk whole 

loan and bulk servicing 

acquisitions, the servicer 

should report all of these 

acquisitions consistently in the 

category that represents the 

majority of the servicer's 

acquisitions. Note: This 

reporting category applies 

exclusively to the Servicing 

Portfolio.

• Wealth Management/Private 

Banking – report all loans 

originated through a servicer’s 
22

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

private wealth management or 

private banking division.

19 Product Type -

Current

M160 Product Type –Report the 

product type as of the reporting 

month.

Identifies the product type of 

the mortgage including the 

interest type, amortization 

term and initial fixed period for 

hybrid products.

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.

Fixed 10 – Fixed rate 

Product Type 

1 = Fixed 30

2 = Fixed 20

3 = Fixed 15 

4 = ARM 2

5 = ARM 3

6 = ARM 5

7 = ARM 7

8 = ARM 10

9 = ARM Other

10 = Other

11 = Fixed 40

12 = Fixed Greater than 40

13 = Fixed Other

14 = Fixed 10

15 = ARM 1

16 = ARM 15

Character(2)
23

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

amortizing loans with a 10 year 

loan term. Also include fixed 

rate loans where loan term is 

less than 10 years.

Fixed 40 – Fixed rate 

amortizing loans with a 40 year 

term. Also include fixed rate 

loans where loan term is 

greater than 30 and less than 

40 years.

Fixed Greater than 40 - Fixed 

rate loans with loan term 

greater than 40 years.

Fixed Other – Fixed rate loan 

where the loan term does not 

fall under any of the categories 

(Fixed 30, Fixed 20, Fixed 15, 

Fixed 10, Fixed 40, Fixed 

Greater than 40). Use this code 

where the loan is not simply a 

fixed-rate amortizing term 

loan. Some examples include 

balloon, interest only or fixed 

rate pay option loans.

ARM 1 – Adjustable rate 

mortgage where the initial rate 

reset is less than or equal to 1 

year.

ARM 2 – Adjustable rate 

mortgage where the initial rate 
24

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

reset is greater than 1 year and 

less than or equal to 2 years.

ARM 3 – Adjustable rate 

mortgage where the initial rate 

reset is greater than 2 years 

and less than or equal to 3 

years. 

ARM 5 – Adjustable rate 

mortgage where the initial rate 

reset is greater than 3 years 

and less than or equal to 5 

years.

ARM 7- Adjustable rate 

mortgage where the initial rate 

reset is greater than 5 years 

and less than or equal to 7 

years.

ARM 10 – Adjustable rate 

mortgage where the initial rate 

reset is greater than 7 years 

and less than or equal to 10 

years.

ARM 15 – Adjustable rate 

mortgage where the initial rate 

reset is greater than 10 years 

and less than or equal to 15 

years.

ARM Other – Adjustable rate 

loan where the loan term does 
25

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

not fall under any of the 

categories (ARM 1, ARM 2, ARM 

3, ARM 5, ARM 7, ARM 10, ARM 

15). An example would be an 

option ARM.

Other – Use this code to capture 

loans which do not fall into any 

of the categories listed above. 

An example would be 

graduated payment mortgages 

(GPMs).

20 Loan Purpose 

Coding

M161 Report the purpose for the loan 

origination. If the loan has 

multiple purposes, report the 

primary purpose.

Commercial real estate (CRE) 

or commercial business 

purpose loans collateralized by 

1-4 family residential 

mortgages should be coded as a 

“Y”.

Loan Purpose Coding

1 = Purchase

4 = Rate / Term Refinance

5 = Cash-Out Refinance

6 = Other Refinance

7 = Home Improvement

8 = Debt Consolidation

9 = Education

A = Medical

R = Reverse Mortgage, 

including Home Equity 

Conversion Mortgage (HECM) 

loans

Y = Other

U = Unknown

Character(1)

21 Number of Units M162 Number of units to the 

property financed by the loan –

Report the number of units of 

the property. If the actual 

number of units is not available 

for multi-family or 1-4 family 

1 = one unit

2 = two units

3 = three units

4 = four units

U = Unknown

Y = Other

Character(1)
26

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

properties, please code this line 

item with a “U”.

For CRE or commercial purpose 

mortgage loans on multiple 

properties that are submitted 

under this schedule, please 

code this line item with a “Y”.

22 Mortgage 

Insurance 

Coverage Percent 

at Origination

M163 Report the mortgage insurance 

coverage percent at origination 

for loans with loan level 

mortgage insurance coverage.

Provide as a fraction. E.g.:

0.8 for 80%

1.05 for 105%

Numeric, to 2 

decimal places

23 Property Type M164 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).

1 = Single Family Residential

2 = Condo

3 = Co-Op

4 = 2-4 Units

5 = Townhouse

6 = Planned Unit Development

7 = 5+ Units

E = Commercial

F = Mixed Use

M = Manufactured Housing

Z = Other

U = Unknown

Character(1)

24 Balloon Flag M165 Balloon Flag-Report whether

the mortgage has a balloon 

payment.

Y=Yes

N=No

U=Unknown

Character(1)
27

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

25 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).

Whole Number Whole Number

26 Buy down Flag M167 Report whether loans are buy 

downs.

Y=Yes

N=No

U=Unknown

Character(1)

27 Interest Only at 

Origination

M168 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.

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.

Y=Yes

N=No

U=Unknown

Character(1)
28

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

28 Recourse Flag M169 Report whether there is 

recourse on a loan. Recourse on 

a loan refers to terms in the 

mortgage contract that give the 

owner of the note the right to 

pursue additional claims 

against the borrower beyond 

possession of the property.

Y=Yes

N=No

U=Unknown

Character(1)

29 ARM Initial Rate M170 Report the initial interest rate 

on the loan.

Provide as a fraction. E.g.:

0.0575 for 5.75% 

Numeric, up to 

5 decimals

30 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.

Whole Number Whole Number

31 ARM Periodic 

Interest Reset 

Period

M172 Report the ARM Periodic 

Interest Reset Period (in 

Months).

Identifies the term, in months, 

from the end of the initial reset 

period to the next for the 

remaining life of the mortgage.

Whole Number Whole Number
29

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

32 ARM Index M173 ARM Index – Report the index 

used as the basis for 

determining the monthly 

interest rate.

A BHC using the Wall Street 

Journal prime rate should 

report the value ’50’ for Bank 

Prime Rate.

07 = COSI - Cost of Savings 

Index

10 = Tbill Unknown Type

11 = Tbill 3mo

12 = Tbill 6mo

13 = Tbill 1yr

14 = Tbill 3yr

15 = Tbill 5yr

1Z = Tbill Other

20 = COFI Unknown Type

21 = COFI 11th District

22 = COFI NM

2Z = COFI Other

30 = LIBOR Unknown Type

31 = LIBOR 3mo

32 = LIBOR 6mo

33 = LIBOR 1yr

3Z = LIBOR other

40 = FHLBB Ntl Mtg Rt

50 = Bank Prime Rate

60 = Certificate of Deposit

70 = FNMA/FHLMC

80 = MTA (Moving Treasury 

Avg)

81 = LAMA(LIBOR Annual 

Moving Avg)

ZZ = Other

UU = Unknown

Character(2)
30

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

33 ARM Margin at 

Origination

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.

Provide as a fraction. E.g.:

0.0575 for 5.75% 

Numeric, up to 

5 decimals

34 ARM Negative 

Amortization % 

Limit

M175 ARM negative amortization % 

limit.

Report the negative 

amortization limit expressed as 

a percent of original loan 

amount.

Provide as a fraction. E.g.:

0.0575 for 5.75% 

Numeric, up to 

5 decimals

35 ARM Periodic Rate 

Cap

M176 ARM periodic rate cap – Report 

the periodic interest rate cap 

for adjustable rate loans.

Absolute rate cap (not spread 

from original)

Provide as a fraction. E.g.:

0.0175 for 1.75% 

Numeric, up to 

5 decimals

36 ARM Periodic Rate 

Floor

M177 ARM Periodic Rate FloorReport the periodic interest 

rate floor for adjustable rate 

loans.

Absolute rate floor (not spread 

from original)

Provide as a fraction. E.g.:

0.0175 for 1.75% 

Numeric, up to 

5 decimals
31

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

37 ARM Lifetime Rate 

Cap

M178 ARM Lifetime Rate Cap

Report the lifetime interest rate 

for adjustable rate mortgages. 

Absolute rate cap (not spread 

from original).

Provide as a fraction. E.g.:

0.0575 for 5.75% 

Numeric, up to 

5 decimals

38 ARM Lifetime Rate 

Floor

M179 ARM Lifetime Rate Floor

Report the minimum lifetime 

interest rate for adjustable rate 

mortgages. Absolute rate floor 

(not spread from original).

Provide as a fraction. E.g.:

0.0575 for 5.75% 

Numeric, up to 

5 decimals

39 ARM Periodic Pay 

Cap

M180 Report the cap on monthly 

payments for adjustable rate 

mortgages.

Note: The periodic pay cap 

refers to the maximum 

percentage point increase over 

the previous payment. So for a 

$1,000 principal and interest 

(P&I) payment in the previous 

month, a 7.5% pay cap implies 

that the P&I payment next 

month cannot exceed $1,075 at 

the adjustment. Note that the 

7.5% pay cap should be 

reported as a fraction, in this 

case 0.0750.

Provide as a fraction. E.g.:

0.0575 for 5.75% 

Numeric, up to 

5 decimals
32

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

40 ARM Periodic Pay 

Floor

M181 Report the floor on monthly 

payments for adjustable rate 

mortgages.

Provide as a fraction. E.g.:

0.0575 for 5.75% 

Numeric, up to 

5 decimals

41 Option ARM Flag M182 Option ARM at Origination –

Report whether the loan is a 

payment Option ARM at

origination. A payment Option 

ARM is a nontraditional 

mortgage that allows the 

borrower to choose from a 

number of different payment 

options. 

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 

Y=Yes

N=No

Character(1)
33

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

provide for principal 

amortization. After a specified 

number of years, or if the loan 

reaches a certain negative 

amortization cap, the required 

monthly payment amount is 

recast to require payments that 

will fully amortize the 

outstanding balance.

42 Negative 

Amortization Flag

M183 Negative Amortization Flag - 

Report all mortgages that, as 

part of their contract, have or 

potentially can have a feature 

that allows the borrower to pay 

an amount that is less than the 

interest accruing on the 

mortgage, resulting in negative 

amortization.

Y=Yes

N=No

Character(1)

43 Original Loan Term M184 Original Loan Term – Report 

the term in months on the 

original loan.

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.

Whole Number

Allowable values: 0 – 600

Whole Number

44 Original Interest 

Rate

M185 Original Interest Rate – Report 

the annual percentage rate as 

specified on the mortgage note 

at the time of origination.

Provide as a fraction. E.g.:

0.0575 for 5.75% 

Numeric, up to 

5 decimal 

places
34

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

45 Principal and 

Interest (P&I) 

Amount at 

Origination

M186 Principal and Interest (P&I) 

Amount at Origination (in 

dollars) – Report the scheduled 

principal and interest amount 

at the origination of the loan.

This line item may be provided 

on a best efforts basis for loans 

serviced for others and loans 

acquired through mergers and 

acquisitions.

Whole Number

e.g.,

5123 for $5,122.81

Use banker’s rounding.

Whole Number

46 Pre-Payment 

Penalty Flag

M187 Pre-payment Penalty Flag –

Report whether the loan 

carries a penalty if the 

borrower prepays the loan 

during a specified period of 

time.

Y=Yes

N=No

U=Unknown

Character(1)

47 Pre-Payment 

Penalty Term 

M188 Pre-Payment Penalty Term (In 

Months)

Report the time period from 

loan origination that a 

prepayment penalty applies (if 

applicable).

This is an origination line item

and should specify the time 

period from origination for 

which a prepayment penalty 

would have applied. It should 

not change with the reporting 

month.

Whole number in months. E.g.,

36 for 36 months (3 years).

Whole Number
35

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

48 Current Credit 

Bureau Score

M189 Report the current credit score 

of the borrower using a

commercially available credit

bureau score (for a definition of 

a commercially available credit 

bureau score, see the general 

instructions). Provide the most 

recently determined 

commercially available credit 

score of the borrower. Report 

the credit score vendor in item 

136 and the credit score version 

in item 137. 

Provider as a whole number, 

e.g.:723

Whole Number

49 Interest Only in 

Reporting Month

M190 Interest Only in Reporting 

Month – Report whether the 

minimum payment in the 

reporting month represents 

only the interest due on the 

loan.

That is, at end-of-month for the 

reporting month, was the 

minimum monthly payment for 

the loan just interest.

N = Was not I/O in reporting 

month

Y = Was I/O in reporting month

U = Unknown

Character(1)

50 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

Investor Coding

1 = GNMA

2 = FNMA

3 = FHLMC

4 = Private Securitized

5 = GNMA Buyout Loans

6 = Local Housing Authority

7 = Portfolio

Character(1)
36

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

• FHLMC - Serviced mortgages 

that are owned by FHLMC

• Private Securitized - Loans 

securitized by private-label 

(non-Government, non-GSE) 

issuers. Please include serviced 

loans.

• GNMA Buyout Loans-- Loans 

bought out of GNMA securities 

pools

• Local Housing AuthorityLoans bought by LHAs

• Portfolio - Mortgages owned 

and held on the bank’s balance 

sheet. Include both Held for 

Sale or Held for Investment in 

this category.

• Federal Home Loan Bank 

(FHLB)-Loans or securities 

bought by FHLBs

• Unknown

‘Other Unrelated Entity’ refers 

to investors that do not include 

any of the major investor types 

listed in values 0-7, and can 

include portfolio loans serviced 

for others.

8 = Serviced for Other 

Unrelated Entity

0 = Federal Home Loan Bank 

(FHLB)

U = Unknown
37

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

51 Servicer Advances M192 Servicer Advances – Report the 

total delinquent advances made 

by the servicer on past due 

mortgages. Include both 

corporate (including 

maintenance and property 

preservation costs) and escrow 

advances in this amount.

e.g., 125000 for $125,000.00

If no servicer advances exist, 

please populate as 0.

Whole Number

52 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. 

N = Was not Option ARM in the 

reporting month

Y = Was Option ARM in the 

reporting month

Character(1)

53 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.

N = Not in bankruptcy in 

reporting month

Y = In bankruptcy in reporting 

month

Character(1)

54 Bankruptcy 

Chapter

M195 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 

7 = Chapter 7

9 = Chapter 9

11 = Chapter 11

12 = Chapter 12

13 = Chapter 13

U = Unknown

Character(2)
38

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

value. Do not populate this line 

item with any other value.

55 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.

In cases where the debtor is in 

Chapter 13 bankruptcy, the 

contractual due date should be 

reported.

YYYYMMDD YYYYMMDD

56 Current Interest 

Rate

M197 Current Interest Rate – Report 

the annual percentage rate of 

the mortgage as of the last day 

of the reporting month.

Provide as a fraction. E.g.:

0.1075 for 10.75%

Numeric, up to 

5 decimals
39

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

57 Remaining Term M198 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.

Whole Number Whole Number

58 Scheduled 

Principal Balance 

Amount

M199 Report the scheduled principal 

balance amount for the 

borrower

Note: The scheduled principal 

balance amount should reflect 

the balance outstanding based 

on the scheduled payment 

which is due from the borrower 

in the reporting month (not the 

actual payment made by the 

borrower). There will be a 

difference in the scheduled 

versus actual only in cases of 

delinquency or curtailments. 

Whole Number

e.g.,5123 for $5,122.81

Use banker’s rounding.

Whole Number

59 Principal and 

Interest (P&I) 

Amount Current

M200 Principal and Interest (P&I) 

Amount Current – Report the 

scheduled principal and 

interest due from the borrower 

in the reporting month. 

In the case where mortgage 

bills quarterly rather than 

monthly, report the line item

Whole Number

e.g.,

5123 for $5,122.81

Use banker’s rounding.

Whole Number
40

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

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.

60 Unpaid Principal 

Balance

M201 Unpaid Principal Balance –

Report the total principal 

amount outstanding as of the 

end of the month. The UPB 

should not reflect any 

accounting based write-downs 

and should only be reduced to 

zero when the loan has been 

liquidated – either paid-in-full, 

charged-off, REO sold or 

Service transferred .

Current unpaid balance at end 

of the reporting month 

rounded to the nearest dollar.

e.g., 32123 for $32,122.81

Use banker’s rounding

Whole Number
41

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

61 Foreclosure Sale 

Date

M202 Report the date that the 

foreclosure sale occurs on the 

subject property. This is 

typically the end of the 

foreclosure process, unless the 

borrower is in a state that 

allows for the right of 

redemption. 

Note: If a loan is not in 

foreclosure, then the 

Foreclosure Sale Date line item

(Line item 61), Foreclosure 

Referral Date line item (Line 

item 62) should be blank, i.e. 

null value. Do not populate this 

line item with a 0 date value, or 

with any other value.

Populate the date for any loan 

that has completed foreclosure 

sale whether or not the title 

was acquired by the bank. For 

the borrower that is in a state 

that allows for right of 

redemption, you should still 

report the appropriate 

foreclosure sale date on that 

loan.

YYYYMMDD YYYYMMDD
42

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

62 Foreclosure 

Referral Date

M203 Foreclosure Referral Date –

Report the date that the 

mortgage was referred to an 

attorney for the purpose of 

initiating foreclosure 

proceedings. This date should 

reflect the referral date of 

currently active foreclosure 

process. Loans cured from 

foreclosure should not have a 

referral date.

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.

YYYYMMDD YYYYMMDD

63 Foreclosure 

Suspended

M204 Foreclosure Suspended –

Report all loans where 

foreclosure activities are being 

suspended due to loss 

mitigation or bankruptcy 

proceedings.

Active loss mitigation refers to 

instances where the loan is 

currently in loss mitigation, and 

the servicer is actively pursuing 

loss mitigation.

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)
43

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

Flag indicating an active 

foreclosure suspension

Note: The code value for this 

line item should follow public 

reporting of this item.

64 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.

• 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 

0 = Not paid-in-full

1 = Voluntary payoff

2 = Involuntary liquidation 

(foreclosure)

3 = Servicing transfer

Character(1)
44

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

liquidations. This includes 

loans active in the month prior 

to the reporting month that 

were sold at a foreclosure sale 

and taken into REO in the 

reporting month. Also include 

all instances where credit has 

been resolved (i.e. no longer 

pursuing collection) but not 

through foreclosures, servicing 

transfers, or payments made by 

the home owner (i.e. not sale, 

settlement for less than full 

amount, short sales, or Deeds in 

Lieu).

• Servicing Transfer – Code all 

instances where the servicing 

of the loan has been transferred 

or sold to another institution 

during the reporting month.

65 Foreclosure Status M206 Foreclosure Status – Report the 

current foreclosure status as of 

the end of the reporting month.

• 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 

Allowable Code values -

0 = Not in foreclosure

1 = In foreclosure, pre-sale

2 = Post-sale foreclosure, 

Redemption, non-REO (if 

available, otherwise REO)

3 = REO

Character(1)
45

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

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.

• 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.

66 Repurchase Type M207 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 

Code values:

0 = None

1 = In Process

2 = Complete & Repurchased

3 = Complete and NO 

Repurchase

Character(1)
46

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

not yet occurred.

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.

67 Repurchase 

Request Date

M208 Repurchase Request DateReport the repurchase request 

date.

The repurchase request date is 

the date of repurchase 

requested by the counterparty.

YYYYMMDD YYYYMMDD
47

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

68 Refreshed Property 

Value

M209 Refreshed property value –

Report the most current 

property value if updated 

subsequent to loan origination. 

Only provide a refreshed value 

when it is based on a propertyspecific valuation method (i.e., 

do not provide a refreshed 

property value based solely on 

applying a broad valuation 

index to all properties in 

geographic area.)

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 

e.g. 125000 for $125,000.00 Whole Number
48

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

not obtained within the last 

year.

69 Refreshed Property 

Valuation Method

M210 The valuation method for any 

refreshed values. Report the 

method by which the value of 

the property was determined. 

Options are:

• Full appraisal – Prepared by 

a certified appraiser

• Limited appraisal –

Prepared by a certified 

appraiser

• Broker Price Opinion “BPO”

– Prepared by a real estate 

broker or agent

• Desktop Valuation –

Prepared by bank employee

• Automated Valuation Model 

“AVM”

The Refreshed Property Value, 

Refreshed Property Valuation 

Method, Property Method at 

Modification, and

Most Recent Property 

Valuation Date line items refer 

to the same refreshed property 

valuation instance. If the 

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)
49

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

property has been valued 

subsequent to origination, 

provide the most recent 

property valuation date, the 

valuation method, and the 

property value.

70 Most Recent 

Property Valuation 

Date

M211 Report the date on which the 

most recent refreshed property 

value was obtained.

YYYYMMDD YYYYMMDD

71 Refreshed CLTV 

After Modification

M212 Refreshed CLTV After 

Modification – Report the 

calculated combined loan-tovalue 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.

Provide the CLTV that was used 

Provide as a decimal. E.g.:

0.85 for 85%

Numeric, up to 

2 decimals
50

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

to evaluate and approve the 

modification. The reported 

value should reflect the CLTV

used during the modification 

process or soon afterward. This 

value should not be updated 

with subsequent CLTV values.

72 Refreshed DTI 

Ratio (Back-end)

M213 Refreshed DTI Ratio (Back-end) 

– Report the refreshed Back -

end DTI Ratio.

Back-end DTI ratios give the 

percentage of monthly income 

necessary to cover all of the 

borrower’s debt obligations.

Whole Number Whole Number

73 Refreshed DTI 

Ratio (Front-end)

M214 Refreshed DTI Ratio (Frontend) – Report the refreshed 

Front-end DTI (PITI Housing 

Ratio).

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.)

Whole Number Whole Number
51

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

74 Modification Type M215 Report the modification type. 

This line item should be 

populated for any loan that is 

currently operating under 

modified terms and identifies 

the specific terms that were 

altered through loss mitigation 

efforts. 

Active loss mitigation refers to 

instances where the loan is 

currently in loss mitigation, and 

the servicer is actively pursuing 

loss mitigation.

This line item is independent of 

investor and speaks only to the 

nature of the program. For 

example a FNMA loan may be 

modified under either a FDIC or 

proprietary modification 

program – in these cases this 

line item would be populated 

with either the FDIC or 

proprietary codes while the 

Investor line item would 

identify the modification as 

being performed on a FNMA 

loan.

• Loan has not been modified.

• ASF Streamline - Report all 

loan modifications in 

conformance with the ASF's 

0 = Loan has not been modified

6 = ASF Streamline

8 = FHFA Streamline (Specific 

to program announced 

12/15/08)

9 = FDIC Streamline (“Mod in a 

Box”)

10 = Proprietary Systematic 

Program

11 = Proprietary Other

12 = Home Affordable 

Modification

Numeric
52

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

December 6, 2007 “Streamlined 

Foreclosure and Loss 

Avoidance Framework for 

Securitized Subprime 

Adjustable Rate Mortgage 

Loans.”

• FHFA Streamline – Report all 

loan modifications pursuant to 

the FHFA streamline 

modification program that 

became effective 12/15/08. 

FHFA investor loans modified 

under an alternative plan 

should be coded in accordance 

with those plans.

• FDIC Streamline (“Mod in a 

Box”) – Report all loan 

modifications that include any 

third party investor and/or 

proprietary systematical 

modifications that are 

patterned on the FDIC program.

• Proprietary Systematic 

Program – Report all other 

proprietary systematic 

programs target at applicable 

segments of mortgage 

borrowers. The “proprietary” 

nature of this line item

references the modification 

program and not the investor, 

any loan modified under a 
53

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

proprietary systematic 

program should receive this 

code regardless of investor.

• Proprietary Other – Report 

any modification type not 

covered by the previous 

categories. As with the 

proprietary systematic 

modifications, this line item is 

independent of the investor.

• Home Affordable Modification 

Program – Report any loans 

modified under the Home 

Affordable Modification 

Program Guidelines released 

March 4, 2009. Do not report 

the transaction as a modified 

loan until successful 

completion of the stipulated 

trial plan.

75 Last Modified Date M216 Last Modified Date – Report the 

date on which the loan terms 

were most recently modified.

YYYYMMDD

Do not populate for loans that 

have not been modified.

YYYYMMDD
54

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

76 Active Repayment 

Plan Flag

M217 Report whether there is an 

active repayment plan. Code as 

"Y" all loans that are active and 

performing according to the 

terms of a repayment plan as of 

the end of the reporting month. 

Do not code as active any loan 

currently operating under a 

stip-to-mod plan where the 

loan is scheduled to be 

modified if the terms of the 

stipulated repayment plan are 

met.

N = No repayment plan is in 

effect in the reporting month.

Y = The loan is actively 

performing under a repayment 

plan.

Character(1)

77 Workout Type 

Completed

M218 Report the workout type 

completed. This line item

should be coded for any loan 

where a loss mitigation effort 

has been successfully 

completed in the current 

month. Successful completion 

is defined as the closing of loss 

mitigation activities where the 

borrower has no remaining 

delinquent obligations to the 

servicer. The line item should 

be coded in only the reporting 

month when the workout type 

was completed and not in 

subsequent months. For the 

cases where loss mitigation 

efforts are ongoing but not 

completely resolved, this line 

item should be left blank. Also, 

if a loan has never been in loss 

mitigation, the value should be 

0 = No workout completed or 

unsuccessful resolution of a 

loss mitigation effort.

1 = Modification

2 = Repayment Plan

3 = Deed in Lieu

4 = Short Sale

5 = FHA Partial Claim

6 = FHA Secured

7 = VA Refund

8 = Stipulated Repayment / 

Stip-to-Mods

9 = Forbearance plan

10 = MI Claim Advance

11 = FHA Refinances - Other

12 = Other

13 = 

Reaged/Deferred/Extended

14 = Home Affordable 

Refinance

15 = FNMA HomeSaver 

Forbearance, Payment 

Numeric
55

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

left blank.

Specific coding instructions 

follow:

Code 0 - Enter in the case 

where no workout is completed 

or there is an unsuccessful 

resolution of a loss mitigation 

effort. Do not enter a code 

value of 0 if loss mitigation 

efforts are ongoing but not 

completely resolved.

Code 1 Modification - Populate 

in the month that the 

modification is completed and 

the new loan terms are in 

effect. Do not include 

modifications, such as those 

performed under the Home 

Affordable program that were 

completed following a trial or 

stipulated repayment period –

these should receive a value of 

8 (see below).

Code 2 Repayment Plan -

Populate in the month that the 

repayment plan was completed 

successfully and the borrower 

has been returned to a current 

and performing status.

Codes 3 and 4 – Deeds In Lieu 

Reduction Plan, or other GSEsponsored forbearance 

program.
56

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

and Short Sales – Populate in 

the month the loan is liquidated 

through a deed in lieu, short 

sale (or payoff) negotiated 

settlement.

Code 6, 11, 14 – FHA and Home 

Affordable Refinances –

Populate these line items in the 

month that the loan was 

liquidated under an FHA or 

Home Affordable refinance 

program. This line item should 

be coded in the same month the 

loan has a Voluntary Payoff / 

Refinance.

Code 8 – Stipulated Repayment 

/ Stip to Mods – Code this line 

item in the month that a loan is 

modified after having 

completed a stipulated or trial 

payment period. This should 

include loans modified under 

the Home Affordable 

Modification program.

Code 13 –

Reaged/Deferred/Extended –

include loans where there has 

been an agreement with the 

borrower to defer principal and 

interest but with no other 

terms to enhance affordability.
57

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

Code 15 – FNMA HomeSaver 

Forbearance, Payment 

Reduction Plan, or other GSEsponsored forbearance 

program - Include loans that 

have made the initial payment 

in the FNMA HomeSaver 

Forbearance program or 

similar program.

78 Repayment Plan 

Performance 

Status

M219 Report the repayment plan 

performance status. This line 

item tracks the performance of 

repayment and stip-to-mod 

plans. If a repayment plan or 

stip-to-mod was completed 

successfully during the month 

it should be coded as such in 

the work-out type completed 

line item. This line item is only 

to be populated for repayment 

plans that were active as of the 

end of the month or broken 

during the month. A plan is 

broken when the borrower fails 

to fulfill conditions needed for a 

loan modification to be made 

permanent. Broken plans 

should only be reported in the 

month the plan breaks. 

Institutions should report a '0' 

value in months following a 

broken plan. This line item

should not be left blank if the 

0 = No active plan as of monthend and did not have a plan 

broken or cancelled during the 

month.

1 = Stip to Mod Active

2 = Stip to Mod Broken

3 = Repayment Plan Active

4 = Repayment Plan Broken

5 = Repayment Plan Cancelled 

by Servicer

6 = Repayment Plan Cancelled 

at borrower’s request

7 = Home Affordable Trial 

Period Active

8 = Home Affordable Trial 

Period Broken

9 = Home Affordable Trial 

Cancellation

10 = Home Affordable Trial 

Extended / Mod Pending

Numeric
58

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

plan was broken in previous 

months. 

• Stip-to-Mod Active – The 

borrower is performing as 

scheduled on a stipulated 

repayment agreement that, if 

successful will result in a 

modification.

• Stip-to-Mod Broken – The 

borrower has broken the terms 

specified by a stip-to-mod 

agreement and the 

modification was not executed.

• Repayment Plan Active – The 

borrower is performing as 

scheduled according to the 

terms of an executed 

repayment plan.

• Repayment Plan Broken – The 

borrower has defaulted on the 

terms of an executed 

repayment plan during the 

month.

• Repayment Plan Cancelled by 

Servicer – The borrower was 

on a repayment plan that was 

cancelled by the mortgage 

servicer during the month.

• Repayment Plan Cancelled at 
59

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

Borrower’s Request – The 

borrower was on a repayment 

plan that was cancelled at their 

request during the month.

• Home Affordable Modification 

Trial Period Active – Report all 

Home Affordable program premodifications that are 

performing as scheduled under 

a trial period plan and the plan 

is not broken.

• Home Affordable Modification 

Trial Period Broken – Report all 

Home Affordable program premodifications where the 

borrower has not complied 

with the terms of the schedule 

such that the modification will 

not be executed.

• Home Affordable Trial 

Cancellation – The Home 

Affordable Trial was cancelled 

due to borrower ineligibility or 

other reason.

• Home Affordable Trial 

Extended / Mod Pending – All 

payments made as agreed and 

performing but awaiting 

documentation and/or a final 

underwriting decision.
60

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

79

“Home Affordable 

Refinance” 

Program Flag

M220 Report whether a loan was 

originated under the Home 

Affordable Refinance program. 

HAMP loans should not be 

included in this population.

“Home Affordable Refinance” 

Program Flag - Identify all 

loans originated as part of the 

Home Affordable Refinance 

Program announced March 4, 

2009. Loans should be flagged 

as such regardless of whether 

the loan was serviced in-house 

prior to refinance.

Y=Yes

N=No

Character(1)

80 HAMP Loan 

Number

M221 HAMP(Home Affordable 

Modification Program) Loan 

Number –

Report any loans modified 

under the Home Affordable 

Modification Program 

Guidelines released March 4, 

2009. The HAMP Loan Number 

provided should be identical to 

the Servicer Loan Number 

provided to the data aggregator 

for HAMP submissions to the 

Treasury.

The HAMP Loan Number 

provided should be identical to 

the Servicer Loan Number 

provided to the data aggregator 

for HAMP submissions to the 

Treasury.

Character(32)
61

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

81 Capitalization M222 Capitalization – Report 

whether a delinquent amount 

(PITI or fees) was capitalized 

and added to the outstanding 

principal balance.

Capitalization – Capitalization 

is defined as instances where 

accrued and/or deferred 

principal, interest, servicing 

advances, expenses, fees, etc. 

are capitalized into the unpaid 

principal balance of the 

modified loan. If accrued 

and/or deferred principal, 

interest, servicing advances, 

expenses, fees, etc. are 

capitalized into the unpaid 

principal balance during 

modification this line item

should be “Y” otherwise it 

should be “N”. 

This line item should only be 

populated for loans with a 

value in Line item 74 

Modification Type indicating 

that a loan has been modified.

Y=Yes

N=No

Character(1)

82 Delinquent 

Amount 

Capitalized

M223 Delinquent Amount Capitalized 

– Report the total amount in 

dollars of the delinquent 

amount that was capitalized 

and added to the principal 

balance through loss 

Whole Number

e.g.,

5123 for $5,122.81

Use banker’s rounding.

Whole Number
62

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

mitigation.

83 Duration of 

Modification

M224 Duration of Modification –

Report the number of months 

the modified terms will be in 

effect.

If the duration of the 

modification is permanent, 

then the duration is the full 

maturity of the loan (e.g., 360 

months for a 30-year

modification).

Whole Number Whole Number

84 Step Modification 

Flag

M225 Step Modification Flag – Report 

whether a rate modification has 

a “stepped” or gradual return to 

non-modified rate. 

This line item should be 

reported as “N” if the loan 

immediately returns to the 

contract rate at expiration of 

the modification.

Y=Yes

N=No

Character(1)

85 Loss Mitigation 

Performance 

Status

M226 Loss Mitigation Performance 

Status – Report whether a loan 

is being actively handled by the 

servicer’s loss mitigation 

department. Refers to all loans 

where the servicer has initiated 

loss mitigation procedures 

whether or not a particular 

0 = No loss mitigation action in 

place.

1 = Active and Performing

2 = Active and Non-performing

3 = Broken

Character(1)
63

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

course of action or workout 

type has been executed. Active 

loss mitigation refers to 

instances where the loan is 

currently in loss mitigation, and 

the servicer is actively pursuing 

loss mitigation.

• Active and performing –

Refers to any mortgage that is 

currently in loss mitigation and 

is performing to the terms of a 

selected plan.

• Active and Non-performing –

Refers to instances where a 

servicer is actively pursuing 

loss mitigation with a borrower 

who is not currently making all 

payments on the mortgage. 

Include situations where loss 

mitigation efforts have been

initiated but no plan has been 

executed as of month-end.

• Broken – Populated for 

situations where the borrower 

has defaulted on the terms of 

loss mitigation plan and the 

servicer has removed the loan 

from loss mitigation and is 

proceeding with the default 

process.

Note: If loss mitigation efforts 
64

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

have been initiated but no plan 

has been executed as of the 

month‐end, the Loss Mitigation 

Performance Status should be 

coded as 2: Active and Non‐

Performing.

If a loan is not in loss 

mitigation, then it should be 

coded as 0: No loss mitigation 

action in place. 

86 Principal Deferred

(Retired March 

2013)

M227

87 Principal Deferred 

Amount

M228 Principal Deferred Amount: 

Report the total amount in 

dollars of the principal that was 

deferred through loss 

mitigation.

In cases where the principal 

deferral is monthly, they should 

be reported as aggregated. 

Principal deferrals are 

generally done at once. Only 

the amount of principal that is 

deferred should be reported. 

Report the aggregate amount of 

deferred principal provided 

over the life of the loan 

assuming that the borrower 

performs as agreed.

This line item should only be 

populated for loans with a 

Whole Number

e.g.,

5123 for $5,122.81

Use banker’s rounding.

Whole Number
65

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

value in Line item 74 

Modification Type indicating 

that a loan has been modified.

88 Principal Writedown (Retired 

March 2013)

M229

89 Principal WriteDown AmountM230 Principal Write-Down Amount–

Report the principal writedown amount for the loans 

where the principal was 

forgiven through loss 

mitigation.

This line item should only be 

populated for loans with a 

value in Line item 74 

Modification Type indicating 

that a loan has been modified

Note: Report the aggregate 

amount of principal writedown provided over the life of 

the loan assuming that the 

borrower performs as agreed. 

Performance incentive 

payments offered to all 

borrowers should not be 

included as principal writedowns (i.e., the annual HAMP 

forgiveness payments should 

not be flagged as principal 

reductions).

Whole Number

e.g.,

5123 for $5,122.81

Use banker’s rounding.

Whole Number
66

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

90 Property Valuation 

Method at 

Modification

M231 Property Valuation Method at 

Modification – Report the 

method used to determine the 

property value prior to loan 

modification.

• Full appraisal – Prepared by a 

certified appraiser

• Limited appraisal – Prepared 

by a certified appraiser

• Broker Price Opinion “BPO” –

Prepared by a real estate 

broker or agent

• Desktop Valuation – Prepared 

by bank employee

• Automated Valuation Model 

“AVM”

This line item should only be 

populated for loans with a 

value in Line item 74 

Modification Type indicating 

that a loan has been modified.

1 = Full Appraisal

2 = Limited Appraisal

3 = Broker Price Opinion

4 = Desktop Valuation

5 = Automated Valuation Model

6 = Unknown

Character(1)
67

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

91 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.

0 = Not converted to Fixed Rate

1 = Converted to Fixed Rate for 

1-36 Months

2 = Converted to Fixed Rate for 

37-60 Months

3 = Converted to Fixed Rate for 

61-120 Months

4 = Converted to Fixed Rate for 

Greater than 120 Months

Character(1)

92 SOP 03-3 Status M234 SOP-03-03 – Report whether

any loans are accounted for 

under SOP-03-03 purchase 

accounting. If the loan is 

accounted for under SOP-03-03 

purchase accounting this line 

item should be “Y” otherwise it 

should be “N”. Note: None of 

the records should be left 

blank.

N = No

Y = Yes

Character(1)
68

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

93 Total 

Debt at Time of any 

Involuntary 

Termination

M235 Report total debt at the time of 

any involuntary termination. 

Total debt should be reported 

at gross, not net values, and is 

comprised of:

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.

Whole Number

e.g.,

2123 for $2,122.81

Use banker’s rounding.

Whole Number

94 Net Recovery 

Amount

M236 Report the sales price net of 

costs of sales (e.g., sales 

Whole Number

e.g.,

Whole Number
69

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

commissions and buyer 

concessions).

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. 

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.

2123 for $2,122.81

Use banker’s rounding.

95 Credit Enhanced 

Amount

M237 Report the total amount of 

credit enhancement received 

that offset the loss. Could come 

from mortgage insurance 

proceeds, pool arrangements in 

deals, or other features of 

securities structures. 

Note: This line item is a 

required line item for Investor 

Type code values 4 (Private 

Whole Number

e.g.,

2123 for $2,122.81

Use banker’s rounding.

Whole Number
70

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

Securitized) and 7 (Portfolio) 

and best efforts for all others.

96 Troubled Debt 

Restructure Flag

M238 Troubled Debt Restructure Flag 

– Report whether a loan was 

modified as a Troubled Debt 

Restructuring (TDR), as defined 

in the FR Y-9C Glossary entry 

for “Troubled Debt 

Restructuring”. All TDRs must 

be evaluated for impairment 

under Statement of Financial 

Accounting Standards No. 114 

(Accounting by Creditors for 

Impairment of a Loan), as part 

of the Allowance for Loan and 

Lease Losses analysis.

Y=Yes

N=No

Character(1)
71

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

97 Reported as Bank 

Owned Flag

M239 Reported as Bank-Owned Flag 

– Report whether the serviced 

for others loan is recorded on 

the bank's own balance sheet 

for accounting purposes. 

Applies only to loans with an 

Investor Code other than 

"Portfolio". Should be coded as 

Y for the following loans:

• GNMA Eligible Repurchases –

In accordance with FAS 140, 

GNMA loans that are subject to 

Removal of Accounts 

Provisions (ROAPs) and eligible 

for repurchase.

• Other Loans Reported OnBalance Sheet under FAS 140 –

To reflect bank-supported 

securitizations and/or other 

indemnifications.

Y=Yes

N=No

Character(1)

98 Interest Rate 

Reduced

M262 Report whether the interest 

rate has been reduced to be 

less than the scheduled value 

through loss mitigation.

For example, if a fixed-rate loan 

with a rate of 6% is reduced to 

2% as a result of loss 

mitigation, the BHC would 

report ‘Y’ for this line item.

This line item should only be 

Y=Yes

N=No

Character(1)
72

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

populated for loans with a 

value in Line item 74 

(Modification Type).

99 Interest Rate 

Frozen

M232 Report whether the interest 

rate was frozen and at a lower 

rate than if allowed to adjust 

through loss mitigation

For example, if a loan resetting 

from 4% to 6% is frozen at the 

4% rate, the BHC would report 

‘Y’ for this line item.

This line item should only be 

populated for loans with a 

value in Line item 74 

(Modification Type).

Y=Yes

N=No

Character(1)

100 Term Extended M929 Report whether the remaining 

term of the loan was extended 

through loss mitigation. 

This line item should only be 

populated for loans with a 

value in Line item 74 

(Modification Type).

Y=Yes

N=No

Character(1)
73

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

101 P&I Amount Before 

Modification

M930 Report the scheduled principal 

and interest amount in the 

month prior to loan 

modification. 

This line item should only be 

populated for loans with a 

value in Line item 74 

(Modification Type).

Whole Number

e.g., 5123 for $5,122.81

Use banker’s rounding.

Whole Number

102 P&I Amount After 

Modification

M931 Report the scheduled principal 

and interest amount in the 

month following loan 

modification. 

This line item should only be 

populated for loans with a 

value in Line item 74 

(Modification Type).

Whole Number

e.g., 5123 for $5,122.81

Use banker’s rounding.

Whole Number

103 Interest Rate 

Before 

Modification

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).

Provide as a decimal. E.g.:

0.0575 for 5.75%

Numeric, up to 

5 decimals

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).

Provide as a decimal. E.g.:

0.0575 for 5.75%

Numeric, up to 

5 decimals
74

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

105 Remaining Term 

Before 

Modification

M934 Report the remaining term in 

the month prior to loan 

modification.

This line item should only be 

populated for loans with a 

value in Line item 74 

(Modification Type).

Whole Number Whole Number

106 Remaining Term 

After Modification

M935 Report the remaining term in 

the month after loan 

modification.

This line item should only be 

populated for loans with a 

value in Line item 74 

(Modification Type).

Whole Number Whole Number

107 Escrow Amount 

Before 

Modification

M936 Report the escrow amount in 

the month prior to loan 

modification. This should be 

the escrow portion of the 

monthly payment and not the 

full escrow balance.

This line item should only be 

populated for loans with a 

value in Line item 74 

(Modification Type).

Whole Number

e.g., 

5123 for $5,122.81

Use banker’s rounding.

Whole Number
75

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

108 Escrow Amount 

After Modification

M937 Report the escrow amount in 

the month after loan 

modification. This should be 

the escrow portion of the 

monthly payment and not the 

full escrow balance.

This line item should only be 

populated for loans with a 

value in Line item 74 

(Modification Type).

Whole Number

e.g., 

5123 for $5,122.81

Use banker’s rounding.

Whole Number

109 Alternative Home 

Liquidation Loss 

Mitigation Date

M938 Report the date on which the 

most recent Alternative Home 

Liquidation Loss Mitigation 

strategy was executed (when 

the program was completed). 

Alternative Home Liquidation 

Loss Mitigation Strategies 

include the new and evolving 

strategies that are designed to 

minimize loan losses and avert 

loan foreclosures. These 

strategies include, but are not 

limited to, other alternative 

programs intended to limit the 

costs and losses related to the 

sale of the home, deed in lieu, 

or foreclosure, but which result 

in the borrower forfeiting 

ownership of the home. These 

new strategies are in addition 

to traditional home liquidation 

loss mitigation strategies, such 

as short sales and deeds in lieu 

YYYYMMDD YYYYMMDD
76

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

of foreclosure. 

This line item should only be 

populated for loans with a 

value of 12 in Line item 77 

(Workout Type Completed), 

indicating a workout type of 

“Other”.

Note: This line item should be 

used only for programs that 

cannot be coded under any 

other plan. Loans coded in 

traditional plans should not be 

coded here as well.

110 Alternative Home 

Retention Loss 

Mitigation Date

M939 Report the date on which the 

most recent Alternative Home 

Retention Loss Mitigation 

strategy was executed (when 

the program was completed). 

Alternative Home Retention 

Strategies include the various 

new and evolving loss 

mitigation strategies that are 

designed to minimize loan 

losses, avert loan foreclosures, 

and enable borrowers to retain 

their residence. These 

strategies include, but are not

limited to, "short refinances" 

(servicer facilitates a loan 

refinance, with the investor 

accepting a short payoff of the 

existing first mortgage), and 

other refinance or alternative 

YYYYMMDD YYYYMMDD
77

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

programs intended to prevent 

the sale of the home, a deed in 

lieu, or a foreclosure.

Note: This line item should be 

used only for programs that 

cannot be coded under any 

other plan. Loans coded in 

traditional plans should not be 

coded here. If alternative loss 

mitigation does not apply to the 

loan, leave this line item blank.

111 Original Property 

Valuation 

Method(appraisal 

method)

M940 Report the method by which 

the value of the property was 

determined at the time the loan 

was originated. 

Options are:

•Full appraisal – Prepared by a 

certified appraiser

•Limited appraisal – Prepared 

by a certified appraiser

•Broker Price Opinion “BPO” –

Prepared by a real estate 

broker or agent

•Desktop Valuation – Prepared 

by bank employee

•Automated Valuation Model 

“AVM”

1=Full Appraisal

2=Limited Appraisal

3=Broker Price Opinion

4=Desktop Valuation

5=Automated Valuation Model

6=Unknown

Character(1)
78

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

112 Third Party Sale 

Flag

M941 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.

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 Escrow Amount 

Current

M268 Report the scheduled escrow 

amount (including taxes and 

insurance) due from the 

borrower scheduled for the 

reporting month.

For non-escrow loans, report a 

value of zero.

Whole Number

e.g., 

5123 for $5,122.81

Use banker’s rounding.

Whole Number

114 Escrow Amount at 

Origination

M942 Report the escrow amount 

(including taxes and insurance) 

due from the borrower at 

origination of the loan 

(included in the first payment).

For non-escrow loans, report a 

value of zero.

Whole Number

e.g., 

5123 for $5,122.81

Use banker’s rounding.

Whole Number
79

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

115 Remodified Flag M943 Report whether the loan has 

been modified more than once 

in the last 24 months.

Code with a “Y” if the loan has 

been modified more than once 

in the last 24 months.

N = No

Y = Yes

Character(1)

116 Mortgage 

Insurance 

Company

M944 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.

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

99 = Unknown whether has MI

Note: List subject to change for 

new MI Company entrants. 

Numeric
80

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

117 Interest Type at 

Origination

M244 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.

1 = Fixed

2 = Variable

Character(1)

118 Entity Serviced M945 Report the federal regulator of 

the BHC subsidiary that is 

servicing the loan. If the loan is 

a commercial loan secured by 

residential real estate loans, 

report the Federal Regulator of 

the entity servicing the 

commercial loan.

Example: The ‘Entity Serviced’ 

should be segmented out by the 

entities within the BHC. 

Examples: If the loan is 

serviced by a national bank, 

then the Entity Serviced is OCC 

(code value = 2). If the loan is 

serviced by a state nonmember 

bank, then the ‘Entity Serviced’ 

is FDIC (code value = 3). If the 

loan is serviced by a state 

1 = FRB

2 = OCC

3 = FDIC

Character(1)
81

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

member bank or a subsidiary of 

a BHC that is not a federally 

insured bank, then the ‘Entity 

Serviced’ is FRB (code value = 

1).

119 Loss/Write down 

Amount

M241 NOTE: This line item is only 

required for firms with bank 

subsidiaries regulated by the 

OCC and is optional for all 

others.

Report losses and principal 

write downs incurred during 

the month, including all writeoffs of principal, interest, 

receivables, or accruals that are 

deemed uncollectible. If the 

charge off is positive, then 

reversals should be reported as 

a negative value.

Report all write-downs and 

reversals of loan principal and 

interest recorded as charge-offs 

against the Allowance for Loan 

and Leases Losses (ALLL), as 

defined in the FR Y-9C glossary 

entry for “allowance for loan 

and lease losses”. Also include 

all reversals of accrued but not 

collected interest, not directly 

charged against the ALLL. This 

should include accounting 

adjustments to fair market 

e.g, 125000 for $125,000.00 Whole Number
82

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

value.

If multiple write-downs 

occurred in a given month, 

report the total amount of 

write-downs for that month.

The Loss/Write-down Amount 

is intended to parallel the 

amount and timing of loss 

recognized under regulatory 

accounting rules prior to, upon 

and following foreclosure of the 

property securing the loan. As 

a general rule, the amount of 

recognized loss is the 

difference between the 

recorded amount of the loan

and the fair market value of the 

asset (less cost to sell). The 

Loss/Write-down Amounts 

recognized in subsequent 

months after foreclosure are 

the adjustments, if any, to the 

on-balance sheet value of the 

foreclosed asset. Include in the 

Loss/Write-down Amount 

items charged directly to the 

Allowance for Loan and Lease 

Losses as well as items charged 

to unearned interest, any

valuation allowance 

established against the asset 

and accounts related to item 5.j 

on Schedule RI – “Net gains 
83

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

(losses) on sales of other real 

estate owned”.

120 Loss/Write down 

Date

M947 Report the date on which the 

loss or write-down was 

incurred. If multiple writedowns occurred in a given 

month, report the date of most 

recent write-down for that 

month. Specific dates should 

be reported. However, if the 

BHC can only identify the 

month, then the ‘DD’ portion 

should be reported as ‘01’ (e.g. 

20120301 for March of 2012).

YYYYMMDD YYYYMMDD

121 Sales Price of 

Property

M948 Report the final sales price at 

which the property was 

disposed by the BHC in the case 

of involuntary termination. 

Provide the same price as the 

BHC would submit to public 

records data. Net proceeds 

from short sales or third party 

sales should be reported in 

Line item 94.

Note: This line item is a 

required line item for Investor 

Type code values 4 (Private 

Securitized) and 7 (Portfolio) 

and best efforts for all others.

Whole Number

e.g.,

2123 for $2,122.81

Whole Number

122 Performance of M949 Report whether the junior 0 = No junior lien on property Character(1)
84

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

Junior Lien(s) lien(s) are performing or not.

Note: This line item is a 

required line item for 

“Portfolio” and “Serviced By 

Others” loans, and best efforts 

line item for “Serviced For 

Others”. This includes junior 

liens not held by the BHC.

A loan is considered nonperforming if the loan is not 

current (30 days or more past 

due by the MBA method).

1 = One or more junior liens are 

on the property and all are 

performing

2 = One or more junior liens are 

on the property and one or 

more junior liens are not 

performing

3 = One or more junior liens are 

on the property and status is 

unknown

4 = Presence of junior lien is 

unknown.

123 Ever 90+ DPD in 

the Past 12 months

M950 Report whether the loan has 

delinquent history information 

in the past 12 months. Use the 

Mortgage Bankers Association 

delinquency method.

 “Y” if ever in 90 or more 

than 90 days past due in the 

past 12 months

 “N” if not ever in 90 or 

more than 90 days past due 

in the past 12 months

 “U” if unknown

N = No

Y = Yes

U=Unknown

Character(1)
85

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

124 Commercial Loan 

Flag

M951 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 Y9C as 1-4 residential mortgage 

loans. While the purpose of the 

transaction is commercial, Y-9C 

requires any 1-4 family 

residential loans securing the 

transaction to be reported as a 

1-4 residential property. 

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)

125 Probability of 

Default – PD

M114 Report the Probability of 

Default (PD) for the account as 

defined in the most recent 

capital framework. More 

specifically, report the PD 

associated with the account’s 

corresponding segment. 

Note: Applicable only to firms 

subject to the advanced 

approaches rule. This item is 

required for BHC-owned loans 

only.

A one in ten probability of 

default should be reported as 

0.1.

Numeric, up to 

5 decimals
86

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

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-owned loans 

only.

A ninety percent loss given 

default should be reported as 

0.9.

Numeric, up to 

5 decimals

127 Expected Loss 

Given Default –

ELGD

M116 Report the Expected Loss Given 

Default (ELGD) parameter for 

the account as defined in the 

most recent capital framework. 

More specifically, report the 

ELGD associated to the 

account’s corresponding 

segment. Missing or 

unavailable values should be 

left blank.

Note: Applicable only to firms 

subject to the advanced 

approaches rule. This item is 

required for BHC-owned loans 

only.

A ninety percent expected loss 

given default should be 

reported as 0.9.

Numeric, up to 

5 decimals
87

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

128 Exposure at 

Default – EAD

M117 Report the dollar Exposure at 

Default (EAD) for the account

as defined in the most recent 

capital framework. More 

specifically, report the EAD 

associated to the account’s 

corresponding segment. In 

particular, for open-ended 

exposures assign to all the 

accounts in a particular 

segment the corresponding 

LEQ, CCF, or related 

parameters, associated with 

that segment. After the 

corresponding parameter is 

assigned to each account, 

calculate the account EAD and 

report this as the variable 

value. 

Note: Applicable only to firms 

subject to the advanced 

approaches rule. This item is 

required for BHC-owned loans 

only.

Abbreviations:

LEQ: Loan-equivalentexposure

CCF: Credit Conversion Factor

Whole Number, e.g. 5123 for 

$5,122.81

Whole Number
88

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

129 Entity Type M952 Report the registered entity 

type of the BHC subsidiary that 

owns the reported loan. If the 

loan is not owned by the BHC 

or its subsidiaries, report the 

entity type as ‘Other.’

1 = National Bank

2 = State Member Bank

3 = Nonmember Bank

4 = State Credit Union

5 = Federal Credit Union

6 = Non-bank Subsidiary

0 = Other

Whole number

130 HFI FVO/HFS Flag M953 Portfolio HFI FVO / HFS Flag –

Report whether all portfolio 

loans are held for investment 

(HFI) measured at fair value 

under a fair value option (FVO) 

or held for sale (HFS).

Note: For non-portfolio loans 

leave this line item blank.

Y= Yes

N = No

Character(1)

131 Interest Only Term 

– Original

M954 Report the number of months 

where the loan payment is 

interest only. Provide this 

information based on the 

original loan terms.

Whole Number Whole Number

132 Interest Type -

Current

M248 Report the loan interest type in 

the current reporting month.

• Fixed – Loans where the 

interest rate is fixed for the 

entire term.

• Variable – Loans where the 

interest rate fluctuates based 

on a spread to an index. Include 

all variable rate loans 

regardless of whether there is 

1 = Fixed

2 = Variable

Character(1)
89

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

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 

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)
90

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

rate loans where loan term is 

less than 10 years.

Fixed 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.
91

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

ARM 3 – Adjustable rate

mortgage where the initial rate 

reset is greater than 2 year and 

less than or equal to 3 years. 

ARM 5 – Adjustable rate 

mortgage where the initial rate 

reset is greater than 3 year and 

less than or equal to 5 years. 

ARM 7- Adjustable rate 

mortgage where the initial rate 

reset is greater than 5 year and 

less than or equal to 7 years.

ARM 10 – Adjustable rate 

mortgage where the initial rate 

reset is greater than 7 year and 

less than or equal to 10 years.

ARM 15 - Adjustable rate 

mortgage where the initial rate 

reset is greater than 10 years 

and less than or equal to 15 

years.

ARM Other – Adjustable rate 

loan where the loan term does 

not fall under any of the 

categories (ARM 1, ARM 2, ARM 

3, ARM 5, ARM 7, ARM 10, ARM 

15). An example would be an 

Option ARM.

Other – Use this code to capture 
92

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

loans which do not fall into any 

of the categories listed above. 

An example would be 

Graduated Payment Mortgages 

(GPMs).

134 Origination Credit 

Bureau Score 

Vendor

R036 List the vendor of the 

commercially available credit 

bureau score reported in item 

13. If the vendor of the 

commercially available credit 

score reported in item 13 is not 

among those listed, please 

select “Other” and report the 

vendor in item 135. List the 

version of the credit score in 

item 135. Note that scores 

which do not meet the 

definition of a commercially 

available credit bureau score as 

set forth in the General 

Instructions may be treated as 

missing data by the Federal 

Reserve.

1=FICO

2=VantageScore

3=Other

Character(1)
93

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

135 Origination Credit 

Bureau Score 

Version

R037 Provide the version of the 

commercially available credit 

bureau score reported in item 

13 (for example, FICO 08 or 

VantageScore 3.0). If “Other” 

was selected in item 134, 

please report the vendor name 

along with the schedule version 

(in the format “vendor name –

score version”).

Text String Character(30)

136 Current Credit 

Bureau Score 

Vendor

R038 List the vendor of the 

commercially available credit 

bureau score reported in item 

48. If the vendor of the 

commercially available credit 

score reported in item 48 is not 

among those listed, please 

select “Other” and report the 

vendor in item 137. List the 

version of the credit score in 

item 137. Note that scores 

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

2=VantageScore

3=Other

Character(1)
94

Line Item 

No.

Line Item Name MDRM (CCFL) Detailed Description Allowed Values Format, Line 

Item Length

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)

138 Current Credit 

Bureau Score Date

S382 Provide the date on which the 

commercially available credit 

bureau score reported in item 

48 was obtained.

YYYYMMDD YYYYMMDD
95

A.2 Portfolio Level Table

Line 

item 

No.

Line Item

Name 

MDRM 

(CCFP)

Detailed Description Allowed Values Format

1 Portfolio 

Segment ID

M240 Report the portfolio segment. 1 = Serviced

2 = Portfolio HFI 

Purchased Impaired

3 = Portfolio HFI FVO / 

HFS 

4 = Other Portfolio

Character(1)

2 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.

Report in millions of 

dollars.

Whole 

Number

3 Loss / 

Writedown 

Amount

M241 Loss / Write-down Amount – For all active loans, report 

all cumulative lifetime write-downs and reversals of loan 

principal and interest recorded as charge-offs against the 

Allowance for Loan and Leases Losses (ALLL) pursuant to 

FFIEC Call Report instructions. Also include all reversals 

of accrued but not collected interest, not directly changed 

against the ALLL.

The loss-write down amount is the cumulative loss or 

principal write-down, and will equal the charge-offs 

incurred over the life of the loan.

Cumulative lifetime loss 

or principal write-down 

on loans in the portfolio 

segment for all active 

loans in that segment. 

Principal Write downs 

and Losses should be 

expressed as positive 

numbers.

Report in millions of 

dollars.

Whole 

Number
96

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

Loan Population

 The relevant loan population includes all loans directly held on the BHC’s portfolio and all loans 

serviced by the BHC in that period. Loans should be reported based on their classification on the FR Y9C, Schedule HC-C (i.e. based on the loans security, counterparty, or purpose). Refer to the FR Y-9C 

instructions for Schedule HC-C for guidance on loan classification. Please note, lien status (first, junior, 

etc.) is considered an origination attribute. Below is a list of FR Y-9C items that are considered 

applicable loans for this schedule:

o Portfolio loans/lines are defined as all loans meeting the definition of FR Y-9C, Schedule HC-C, 

items 1.c.(1) (revolving, open-end loan secured by 1-4 family residential properties and 

extended lines of credit) and 1.c.(2)(b) (junior lien closed-end loans secured by 1-4 family 

residential real estate) shall be reported. 

o Serviced loans/lines include those meeting the definition of home equity loans/lines reported 

in FR Y-9C, Schedule HC-S, item 1.(columns A and B), Schedule HC-S item M.2.a, Schedule HC-S, 

item M.2.b, 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.

 In addition to loans that are currently active during the reporting period, the following loans should 

also be included:

o All inventory that has been transferred to another servicer, but only if transferred during the 

reporting month.

o All inventory that was liquidated, but only if liquidated during the reporting month. For 

purposes of this schedule, liquidated is defined as inventory that has been sold or has been 

otherwise disposed of.

 Starting with the March 2013 data submission, BHCs are required to continue reporting data on loans 

which become Real Estate Owned (REO). If a loan is submitted under the FR Y-14M Home Equity data 

schedule through a certain period and becomes an REO, then this loan will be reported through the 

time the loan terminates as a REO sale or otherwise. BHCs are required to report all REO loans – either 

serviced by them or sub-serviced by other institutions on their behalf. However, REO balances should 

not be included in the Portfolio Level Table.

 Please note that BHCs will continue to report data on the loans which become REO loans using the same 

consistent loan number throughout the history of the loan. Please ensure that the loan numbers once 

assigned to a loan is not changed as a result of sub servicing or any related aspects.

 For loans secured by multiple pieces of collateral, only report the loan as REO when all the collateral 

backing the loan has become REO and the loan has been terminated.

 For commercial real estate (CRE) or business purpose loans collateralized by properties, place values to 

the best of your ability. 

 If the loan is a commercial purpose loan then only report attributes that are unique to the facility as a 

whole.

 For loans serviced for others, report the full outstanding balance on the loan. Participated loans should 

be included in this schedule and institutions should report the total loan balance as bank owned. 

 An amount, zero or null (be left blank) should be entered for all items, except in those cases where 

other options such as “not available” or “other” are specified. If information is not available or not 

applicable and no such options are offered, the line item should be left blank.
97

 We require that a loan number uniquely identify a loan through its entire life. If a BHC is also 

submitting data to the OCC as part of the OCC Mortgage Metrics Data or OCC Home Equity Data, it is 

required that the BHC use the same loan number for the FR Y-14M data schedules for all loans that are 

being reported for the first time in the current reporting period. In the case that a BHC has been 

submitting different loan numbers for the same loan in the FR Y-14M collection versus OCC data 

collection, the BHC should continue reporting using the same loan numbers as they have been 

submitting for the FR Y-14M submissions. There may be instances where the FR Y-14M data population 

includes additional loans which are not part of the OCC data sample, and for such loans a unique loan 

number should be reported. Overall, the data file sent by a BHC should have unique loan numbers 

across the entire submission. 

Additional Formatting

 The collection includes both loan/line level and portfolio level variables. 

 The institutions should provide the loan/line level data each month in a single text file. This will be a 

“month-end” file produced each month and reported no later than thirty (30) calendar days after the 

end of the reporting month. This file will contain one record per active loan/line in the contributor’s 

inventory. 

 Institutions should provide a separate text file for the portfolio level variables. This will be a “monthend” file produced each month and reported no later than thirty (30) calendar days after the end of the 

reporting month. This file will contain one record per portfolio segment. Portfolio segments are 

defined as:

1. Serviced – All serviced loans/lines.2. Portfolio HFI Purchased Impaired –All portfolio 

loans/lines acquired with deteriorated credit quality and accounted for in accordance with ASC 

subtopic 310-30 (formerly AICPA statement of position 03-3), as defined in the FR Y-9C, 

Schedule HC-C, item M.5.

3. Portfolio HFI FVO / HFS – All portfolio loans/lines held for investment measured at fair 

value under a fair value option or held for sale.

4. Other Portfolio – All portfolio loans/lines that are not measured at fair value, not purchase 

impaired, and not serviced.

 Options for all line items are comprehensive in identifying a valid value for all loans regardless of status. 

If a mandatory line item is unknown or unavailable and the line item definition does not indicate 

‘Unknown’ as a valid line item option, the line item should be left blank and it will be treated as missing 

data. Also, if a line item does not apply to the loan, the line item should be left blank.

 For loan/line level variables representing monetary value please use the U.S. Dollar ($) as the reporting

monetary unit.

 For portfolio level variables representing monetary value please use millions of dollars ($ Millions) as

the reporting monetary unit. For any line item with a format of ‘character’, please provide the code 

values as listed in the data dictionary. Do not add a leading or trailing zero or any other character to the 

data unless specified. It is required that the data formats and code values as listed in this document be 

strictly followed.

o Example: A variable listed as Character(2) with a data value of 1 will be made available with a 

value of 1. It will not be coded as 01 or <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 
98

included. REO loans as described above will now be included in the data. This holds even if the REO 

loans were transferred to another servicer.

 The tables on the following pages give more information the line items that should be contained in each 

of the files.

File Naming Convention:

BHCs must use the following naming convention when submitting data files to the data aggregator.

FRY14_HOMEEQUITY_LOANLEVEL_<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 has to resubmit the same file, then use ‘02’ for the next submission, and so on.

In the case of the Home Equity Schedule, BHCs should provide the data each month in a single pipe‐delimited 

text file. Line items should be delimited with a vertical bar (|, ASCII decimal 124, ASCII hexadecimal 7C).

Example:

Institution A has ID_RSSD equal to 999999. For the Home Equity Loan level data file submitted for period 

201206, the file would be named as FRY14_HOMEEQUITY_LOANLEVEL_999999_201206_01.TXT. Any 

subsequent revised Home Equity Loan level file submitted by the institution for the same period will be named 

as FRY14_HOMEEQUITY_LOANLEVEL_999999_201206_02.TXT, and so on.
99

B.1 Loan/Line Level Table

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

1 Loan Number M142 Loan Number – Report an identifier for a loan that will be the 

same from month to month. Reference numbers may be used in 

lieu of actual loan numbers as long as it meets these criteria.

An identifier for this loan that will be the same from month to 

month. It must identify the loan for its entire life and must be 

unique (piggy-backs should be separated).

If the BHC is already submitting data to the OCC as part of the 

OCC Mortgage Metrics Data or OCC Home Equity Data, it is 

required that the BHC use the same loan number for the FR Y‐

14M data schedules. However, if a BHC has already been 

submitting different loan numbers for the same loan for the 

FR Y-14M and the OCC collections, the BHC should continue 

submitting the same loan number it has been using for the 

FR Y-14M.

Please note that the FR Y‐14M data population may include 

additional loans, which may not be part of the OCC data sample, 

and for such loans the general requirements listed in the 

schedule instructions will be applicable. Overall, the entire data 

file sent by a BHC should have unique loan numbers across the 

entire submission.

A contributordefined alphanumeric value up to 

32 characters. 

Please refer to 

additional details 

listed on Page 95 of 

the document.

Character (32)

2 Loan Closing 

Date

M143 Loan Closing Date – Report the date the loan originally closed. 

Will use this date to determine the loan’s vintage. If the loan 

closing date is not available, then the origination date on the 

loan can be used instead to populate this line item.

YYYYMMDD YYYYMMDD

3 First 

Payment 

Date

M144 First Payment Date – Report the date the borrower was 

scheduled to make the first payment on the loan, or first started 

making payments on the loan. For lines with a zero balance and 

no draws, this line item should be left blank.

YYYYMMDD YYYYMMDD
100

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

4 Property 

State

9200 Property State – Report the state in which the property is 

located. 

Two-letter postal 

codes for the state

Character(2)

5 Property ZIP 

Code

9220 Property Zip Code – Report the five-digit ZIP code. Five-digit number.

Include leading 

zeroes, e.g.:

00901, 10101

Character(5)

6 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.

Amount of loan rounded to the nearest whole dollar.

This data should be available either in BHCs' loan origination 

systems or loan servicing systems, and must be populated.

e.g. 125000 for 

$125,000.00

Whole Number

7 Original Loan 

/ Line 

Commitment

M242 Original Loan / Line Commitment- Report the total credit line 

available at origination (i.e., the total commitment), not the 

actual amount drawn (amount drawn is reported in Line Item 

6). For lines with a zero balance and no draws, report ‘0’ for 

this item. 

Note: For HELOANSs, Line items 6 and 7 will be the same value.

e.g. 125000 for 

$125,000.00

Use banker’s 

rounding.

Whole Number

8 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 

loan at origination.

e.g. 125000 for 

$125,000.00

Whole Number

9 Original 

Combined 

LTV

M150 Original Combined LTV – Report the original combined loanto-value (LTV) ratio is the original amount of the home equity 

loan (or credit line) taken from Line Item 7 (Original Loan/Line 

Commitment), in addition to any senior or other junior liens, 

divided by the property value at the time of loan origination.

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"

10 Income 

Documentati

on

M151 Report how the borrower’s income levels were documented at

the time of origination.

Income 

Documentation 

Coding

Character (1)
101

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

• 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.

The “Alt/Low - Lender” or "Stated - Lender" categories should 

be used for those situations in which the BHC’s automated 

underwriting system suggested to a particular customer a 

low/no doc or stated income loan. 

“Alt/Low - Borrower” or "Stated - Borrower" refers to 

situations in which a borrower him/herself requested a low/no 

doc loan or a broker suggested one. 

Please sub‐classify. If you do not know how to sub-classify, 

report using the "7 Stated Unknown" or “4 Alt/Low –

Unknown” option, as appropriate.

This line item may be provided on a best efforts basis for loans 

serviced for others and loans acquired through mergers and 

acquisitions.

1 Full

2 Alt/Low –Lender

3 Alt/Low –

Borrower

4 Alt/Low -

Unknown

5 Stated – Lender

6 Stated –

Borrower

7 Stated –

Unknown

11 Debt to 

Income (DTI) 

M152 Debt to Income (DTI) - Report the back-end DTI ratio, which is 

the percent of a borrower’s total monthly debt payments 

Whole Number Whole Number
102

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

Back-End at 

Origination

(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.

12 Debt to 

Income (DTI) 

Front-End at 

Origination

M153 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.

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. 

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. 

Whole Number Whole Number

13 Origination 

Credit Bureau 

Score

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 109 and the

credit score version in item 110.

Provide as a whole 

number, e.g.:759

Whole Number

14 Current Credit 

Bureau Score

M189 Report the current credit score of the borrower using a

commercially available credit bureau score (for a definition of a 

commercially available credit bureau score, see the general 

instructions). Provide the most recently determined commercially 

available credit score of the borrower. Report the credit score

vendor in item 111 and the credit score version in item 112. 

Provide as a whole 

number, e.g.: 723

Whole Number

15 Occupancy M155 Owner Occupancy Flag – Report Occupancy related information 

available on the mortgage at the time of origination.

Occupancy Coding

1 = Primary

Character(1)
103

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

2 = Second Home

3 = Non Owner / 

Investment

U = Unknown

16 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, the loan is in first position. If the 

lien position is greater than third, then code as “3”.

1 = First lien

2 = Second lien

3 = Third lien or 

greater

U = Unknown

Character(1)

17 Home Equity 

Line Type

M243 Report the home equity line type.

• Home Equity Loan – Traditional fixed term second mortgages 

with no draw feature

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

available credit line through draw features. Lines of credit 

balances may have fixed term, locked or amortizing portions.

1 = Home Equity 

Loan

2 = Home Equity 

Line of Credit

3 = Other

Character(1)

18 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”.

1 = one unit

2 = two units

3 = three units

4 = four units

Y = Other

U = Unknown

Character(1)

19 Property 

Type

M164 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).

1 = Single Family 

Resident

2 = Condo

3 = Co-Op

4 = 2-4 Units

5 = Townhouse

6 = Planned Unit 

Development

7 = 5+Units

Character(1)
104

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

E = Commercial

F = Mixed Use

M = Manufactured 

Housing

Z = Other

U = Unknown

20 Interest Type 

at Origination

M244 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.

1 = Fixed

2 = Variable

Character(1)

21 Interest Only 

at Origination

M168 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.

Y=Yes

N=No

U=Unknown

Character(1)

22 Interest Only 

in Reporting 

Month

M190 Interest Only in Reporting Month – Report whether the 

minimum payment in the reporting month represents only the 

interest due on the loan.

That is, at end-of-month for the reporting month, was the 

minimum monthly payment for the loan just interest.

N = Was not I/O in 

reporting month

Y = Was I/O in 

reporting month

U = Unknown

Character(1)

23 Loan Source M159 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 

1 = Retail (Branch, 

Internet)

2 = Wholesale

3 = Correspondent

Character(1)
105

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

available.

• Retail – Report all loans originated through the reporting 

institution’s retail, including branch or internet, production 

channel.

• Wholesale (Broker) - Report all loans originated through the 

reporting institution's wholesale/broker production channel. 

Report as broker originated all third-party originated loans 

where the bank cannot distinguish between broker and 

correspondent originated.

• Correspondent - Loans acquired through the reporting 

institution's correspondent production channel. This includes 

all whole loans purchased on a recurring basis (flow) from 

another correspondent institution, eligible for securitization 

into the secondary markets or portfolio retention on the bank's 

balance sheet. Report as broker originated all third-party 

originated loans when the bank cannot distinguish between 

broker and correspondent originated.

• Servicing Rights Purchased - Refers to a separately negotiated 

purchase of mortgage servicing rights (PMSR) from a third 

party. When the servicer cannot distinguish between bulk 

whole loan and bulk servicing acquisitions, the servicer should 

report all of these acquisitions consistently in the category that 

represents the majority of the servicer's acquisitions. Note: This 

reporting category applies exclusively to the servicing portfolio.

• Bulk Purchase – Pools of whole loans purchased from a third 

party originator either to securitize or retain in the bankowned portfolio. Acquisitions for the servicing portfolio in this 

manner are typically negotiated as one-time transactions 

between a mortgage institution and an independent third party 

4 = Servicing Rights 

Purchased

5 = Bulk Purchased

6 = Wealth 

Management / 

Private Banking

U = Unknown
106

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

originator (mortgage company or correspondent). Report all 

bulk acquisitions and correspondent flow acquisitions as 

correspondent originated when the institution cannot

distinguish between these categories. Do not label bank 

acquisitions as Bulk Purchases.

• Wealth Management/Private Banking – report all loans 

originated through a servicer’s private wealth management or 

private banking division.

24 Credit Class M156 Report the credit class, which is the servicer defined Prime, AltA, and Non-prime designation.

Please note that this is a servicer defined line item.

Note: Many government programs are constructed outside the 

conventional market where these definitions apply. For this 

reason, we have added a new code value of '4' for government 

loans, since they are difficult to classify within these definitions.

Although the Credit Class line items in the FR Y-14M First Lien 

and Home Equity schedules allow servicer-defined categories 

of Prime, Non-Prime and Alt-A mortgages, these definitions 

should be consistent across time periods within a single FR Y14M submission and consistent across multiple FR Y-14M 

submissions submitted over time.

1 = Prime

2 = Alt-A

3 = Non-prime

4 = Government 

Owned

Character(1)

25 Loan / Line 

Owner

M245 Loan / Line Owner – Report the investor of the loan.

• Securitized – Loans securitized by private or public issuers.

• Portfolio – Loans owned and held on the bank’s balance sheet. 

Include both held for sale and held for investment in this 

category.

• Serviced For Others – Loans that are not contained in 

1 = Securitized

2 = Portfolio

3 = Serviced For 

Others

4 = Other

Character(1)
107

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

securitizations and are owned by a party other than the bank.

26 ARM Initial 

Rate Period

M171 ARM initial rate adjustment period (In months)- Report the 

term, in months, from the time of origination to the first 

interest rate change date for ARMs.

Report the initial fixed principal and interest payment period in 

months for adjustable rate hybrid loans.

Whole Number Whole Number

27 ARM 

Payment 

Reset 

Frequency

M246 Report the payment reset frequency for adjustable rate loans in 

months.

Whole Number Whole Number

28 Allowable 

Draw Period

M247 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.

1 – 480; 

999

Whole Number

29 ARM Index M173 Report the published financial index name used to determine 

the interest rate.

If a firm is using the Wall Street Journal prime rate, the firm 

should use code ‘50’.

Line items 29-36: For HELOCs in particular, use these line items 

to report caps and floors on the line's interest rate, as well as 

margins and rate indexes that are used to calculate the line's 

monthly interest rate.

07 = COSI - Cost of 

Savings Index

10 = Tbill Unknown 

Type

11 = Tbill 3mo

12 = Tbill 6mo

13 = Tbill 1yr

14 = Tbill 3yr

15 = Tbill 5yr

1Z = Tbill Other

20 = COFI Unknown 

Type

21 = COFI 11D

22 = COFI NM

2Z = COFI Other

30 = LIBOR 

Character(2)
108

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

Unknown Type

31 = LIBOR 3mo

32 = LIBOR 6mo

33 = LIBOR 1yr

3Z = LIBOR other

40 = FHLBB Ntl Mtg 

Rt

50 = Bank Prime 

Rate

60 = Certificate of 

Deposit

70 = FNMA/FHLMC

80 = MTA(Moving 

Treasury Avg)

81 = LAMA(LIBOR 

Annual Moving 

Avg)

ZZ = Other

UU = Unknown 

30 ARM Margin 

at Origination

M174 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.

Provide as a 

fraction. E.g.:

0.0575 for 5.75% 

Numeric, to 5 

decimals

31 ARM Periodic 

Rate Cap

M176 ARM Periodic Rate Cap- Report the periodic interest rate cap 

for adjustable rate loans.

Absolute rate cap (not spread from original)

Provide as a 

fraction. E.g.:

0.0175 for 1.75%

Numeric, to 5 

decimals

32 ARM Periodic 

Rate Floor

M177 ARM Periodic Rate Floor- Report the periodic interest rate floor 

for adjustable rate loans.

Absolute rate floor (not spread from original)

Provide as a 

fraction. E.g.:

0.0175 for 1.75%

Numeric, to 5 

decimals

33 ARM Lifetime 

Rate Cap

M178 ARM Lifetime Rate Cap- Report the lifetime interest rate for 

adjustable rate mortgages. Absolute rate cap (not spread from 

original)

Provide as a 

fraction. E.g.:

0.0575 for 5.75% 

Numeric, to 5 

decimals

34 ARM Lifetime 

Rate Floor

M179 ARM Lifetime Rate Floor- Report the minimum lifetime interest 

rate for adjustable rate mortgages. Absolute rate floor (not 

Provide as a 

fraction. E.g.:

Numeric, to 5 

decimals
109

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

spread from original) 0.0575 for 5.75% 

35 ARM Periodic 

Pay Cap

M180 Report the cap on monthly payments for adjustable rate 

mortgages.

Note: The periodic pay cap refers to the maximum percentage 

point increase over the previous payment. So for a $1,000 

principal and interest (P&I) payment in the previous month, a 

7.5% pay cap implies that the P&I payment next month cannot 

exceed $1,075 at the adjustment. Note that the 7.5% pay cap 

should be reported as a fraction, in this case 0.0750.

Provide as a 

fraction. E.g.:

0.0575 for 5.75% 

Numeric, to 5 

decimals

36 ARM Periodic 

Pay Floor

M181 Report the floor on monthly payments for adjustable rate 

mortgages.

Provide as a 

fraction. E.g.:

0.0575 for 5.75% 

Numeric, to 5 

decimals

37 Original 

Loan/Line 

Term

M184 Report the term in months on the original loan/line.

This line item is intended to be reported for both home equity 

loans and lines of credit.

For a line of credit, the original loan term should be the 

combined draw period and the amortized repayment period.

Note: Do not change the original loan term in the case of loan 

modifications. This line item is intended to capture the loan 

term at loan origination.

For loans in which there is no end date for the draw period 

(e.g., "Evergreen" loans) use the value '999'.

Whole Number

Allowable values: 0 

– 600, 999

Whole Number

38 Bankruptcy 

Flag

M194 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.

N = Not in 

bankruptcy in 

reporting month

Y = In bankruptcy 

in reporting month

Character(1)

39 Next M196 Next payment due date – Report the due date for the next YYYYMMDD YYYYMMDD
110

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

Payment Due 

Date

outstanding payment on the loan. For delinquent loans, this 

date will be in the past.

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

current month.

In cases where the debtor is in Chapter 13 bankruptcy, the 

contractual due date should be reported.

40 Original 

Interest Rate

M185 Original Interest Rate – Report the annual percentage rate as 

specified on the note at the time of origination.

Provide as a 

fraction. E.g.:

0.0575 for 5.75% 

Numeric, to 5 

decimals

41 Current 

Interest Rate

M197 Current Interest Rate – Report the annual percentage rate of 

the loan as of the last day of the reporting month.

Provide as a 

fraction. E.g.:

0.0575 for 5.75% 

Numeric, to 5 

decimals

42 Interest Type 

- Current

M248 Interest Type in Current Month – Report the interest type in the 

reporting month.

1 = Fixed

2 = Variable

Character(1)

43 Principal and

Interest (P&I) 

Amount 

Current

M200 Principal and Interest (P&I) Amount Current – Report the 

scheduled principal and interest due from the borrower in the 

reporting month. 

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.

Whole Number

e.g.,

5123 for $5,122.81

Use banker’s 

rounding.

Whole Number

44 Unpaid 

Principal 

Balance

M201 Unpaid Principal Balance – Report the current unpaid balance 

at the end of the reporting month rounded to the nearest dollar. 

This amount does not include any charge-offs, discounts or 

other accounting marks. It should only be reduced to zero 

e.g, 125000 for 

$125,000.00

Use banker’s 

rounding.

Whole Number
111

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

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.

45 Monthly 

Draw 

Amount

M249 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.

e.g, 125000 for 

$125,000.00

Use banker’s 

rounding.

Whole Number

46 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.

e.g, 125000 for 

$125,000.00

Use banker’s 

rounding.

Whole Number

47 Loan Status 

(MBA 

method)

M251 Report the status of borrower payments (Current, 30, 60, 90 

etc.) of the loan. PLEASE NOTE: Indicators of Foreclosure, 

Bankruptcy and REO are also carried in this line item.

Note: The code value of T=Terminated Reporting is intended to 

keep track of loans which were part of the previous month’s 

submission, and no longer available in current month’s file. 

Such missing loans which are neither paid off nor liquidated in 

the current month will be captured by this code. As an example, 

if a loan has been sent to a collections agency in the reporting 

period, but not charged off or transferred to other servicer, it 

would be captured under this code value.

If a loan has been liquidated by means of a short sale or has 

been sold to a third party at a foreclosure sale in the reporting 

month, then report a “0”.

In the case of loan which has been charged off and not moved to 

REO, the following codes will apply ‐ Liquidation Status (Line 

C = Current

3 = 30 days

6 = 60 days

9 = 90+ days

F = FC

R = REO

T = Terminated 

Reporting

S = Servicing Sold 

Release

0 = Paid off

U = Unknown

Character(1)
112

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

item 54) will have a code value of 2: involuntary liquidation, 

which includes charge off.

48 Foreclosure 

Referral Date

M203 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.

YYYYMMDD YYYYMMDD

49 Foreclosure 

Sale Date

M202 Report the date that the foreclosure sale occurs on the subject 

property. This is typically the end of the foreclosure process, 

unless the borrower is in a state that allows for the right of 

redemption. 

Note: If a loan is not in foreclosure, then the Foreclosure Sale 

Date line item (Line item 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.

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.

YYYYMMDD YYYYMMDD

50 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)

51 Pre-Payment 

Penalty Term 

M188 Pre-Payment Penalty Term (In Months)-Report the time period 

from loan origination that a prepayment penalty applies (if 

applicable).

This is an origination line item and should specify the time 

period from origination for which a prepayment penalty would 

have applied. It should not change with the reporting month.

Whole number in 

months. E.g.,

36 for 36 months (3 

years).

Whole Number

52 Paid-in-full M205
113

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

Coding

(Retired 

March 2013)

53 Foreclosure 

Status

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.

• 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.

0 = Not in 

foreclosure

1 = In foreclosure, 

pre-sale

2 = Post-sale 

foreclosure, 

Redemption, nonREO (if available, 

otherwise REO)

3 = REO

Character(1)

54 Liquidation 

Status

M252 Liquidation Status – Provide the liquidation method for any 

loan that was liquidated during the reporting month.

• Not Paid In Full – Coded for any home equity loans having an 

outstanding balance as of month-end as well as all active lines 

of credit.

• Voluntary Payoff – Code all instances where the loan has been 

paid in full by the borrower either through refinance, sale of the 

property or principal payment in full.

• Involuntary Liquidation – Code all instances where the loan 

0 = Not paid-in-full

1 = Voluntary 

payoff

2 = Involuntary 

liquidation 

(foreclosure)

3 = Servicing 

transfer

Character(1)
114

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

has been liquidated either through foreclosure proceedings or 

another settlement option resulting in incomplete repayment of 

principal. Include short-sales, charge-offs, as well as REO 

liquidations. When the credit has been resolved (i.e. no longer 

pursuing collection) but not through foreclosure, servicing 

transfer or paid by home owner, please use the following code 

values.

• Servicing Transfer – Code all instances where the servicing of 

the loan has been transferred or sold to another institution 

during the reporting month.

55 Troubled 

Debt 

Restructure 

Date

N185 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 YYYYMMDD

56 Repayment 

Plan 

Performance 

Status

M219 Repayment Plan Performance Status – Report the performance 

of repayment and stip-to-mod plans. If a repayment plan or 

stip-to-mod was completed successfully during the month it 

should be coded as such in the work-out type completed line 

item and under the following:

• Code as a “0’ any loan that does not have an active repayment 

plan as of month-end and did not have the terms of a 

repayment plan cancelled or broken during the month.

• Stip-to-Mod Active – The borrower is performing as 

scheduled on a stipulated repayment agreement that, if 

successful will result in a modification.

• Stip-to-Mod Broken – The borrower has broken the terms 

specified by a stip-to-mod agreement and the modification was 

0 = Loan does not 

have an active 

repayment plan as 

of month-end and 

did not have the 

terms of a 

repayment plan 

broken or cancelled

1 = Stip to Mod 

Active

2 = Stip to Mod 

Broken

3 = Repayment Plan 

Active

4 = Repayment 

Plan Broken

Numeric
115

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

not executed.

• Repayment Plan Active – The borrower is performing as 

scheduled according to the terms of an executed repayment 

plan.

• Repayment Plan Broken – The borrower has defaulted on the 

terms of an executed repayment plan during the month.

• Repayment Plan Cancelled by Servicer – The borrower was on 

a repayment plan that was cancelled by the servicer during the 

month.

• Repayment Plan Cancelled at Borrower’s Request – The 

borrower was on a repayment plan that was cancelled at his or 

her request during the month.

• 2MP/HAMP Trial Period Active – Report all 2MP or HAMP 

program pre-modifications that are performing as scheduled 

under a trial period plan and the plan is not broken. The trial is 

defined as Active when the borrower makes the first required 

trial payment.

• 2MP/HAMP Trial Broken – Report all 2MP or HAMP program 

pre-modifications where the borrower has not complied with 

the terms of the schedule such that the modification will not be 

executed.

• 2MP/HAMP Trial Cancellation – The 2MP or HAMP Trial was 

cancelled due to borrower ineligibility or other reason.

5 = Repayment Plan 

Cancelled by 

Servicer

6 = Repayment 

Plan Cancelled at 

borrower’s request

7 = 2MP/HAMP 

Trial Period Active

8 = 2MP/HAMP 

Trial Broken

9 = 2MP/HAMP 

Trial Cancellation

57 Capitalization M222 Capitalization – Report whether the loan has been through 

capitalization. Capitalization is defined as instances where 

accrued and/or deferred principal, interest, servicing advances, 

expenses, fees, etc. are capitalized into the unpaid principal 

N = No

Y = Yes

Character(1)
116

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

balance of the modified loan. If accrued and/or deferred 

principal, interest, servicing advances, expenses, fees, etc. are 

capitalized into the unpaid principal balance during 

modification, this line item should be “Y”; otherwise, it should 

be “N.

This line item should only be populated for loans with a value 

in Line item 77 Modification Type indicating that a loan has 

been modified.

58 Interest Rate 

Frozen

M232 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.

N = No

Y = Yes

Character(1)

59 Principal 

Deferred

M227 Principal Deferred - Report on any loans where principal 

payment or amortization has been deferred to a later date. If 

where principal payment or amortization has been deferred to 

a later date during modification process, this line item should 

be “Y”; otherwise, it should be “N.

This line item should only be populated for loans with a value 

in Line item 77 Modification Type indicating that a loan has 

been modified.

N = No

Y = Yes

Character(1)

60 SOP 03-3 

Status 

M234 SOP-03-03 - Report whether any loans are accounted for under 

SOP-03-03 purchase accounting. If the loan is accounted for 

under SOP-03-03 purchase accounting, this line item should be 

“Y”; otherwise, it should be “N.

Note: None of the records should be left blank.

N = No

Y = Yes

Character(1)

61 Workout 

Type 

Completed 

M218 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 

0 = No Workout 

Plan Performed

1 = Modification

2 = Payment Plan

3 = Deed in Lieu

4 = Short Sale

5 = Stipulated 

Numeric
117

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

delinquent obligations to the servicer. The line item should be 

coded in only the reporting month when the workout type was 

completed and not in subsequent months. For the cases where 

loss mitigation efforts are ongoing but not completely resolved, 

this line item should be left blank. Also, if a loan has never been 

in loss mitigation, the value should be left blank.

Code 1 Modification - Populate in the month that the 

modification is completed and the new loan terms are in effect. 

Do not include modifications, such as those performed under 

the Home Affordable program that were completed following a 

trial or stipulated repayment period – these should receive a 

value of 5 (see below).

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.

Repayment / stip to 

mod

6 = Do not Use

7 = Settlement

8 = Other

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.

N = No the first 

mortgage is not 

serviced in house

Y = Yes, the first 

mortgage is 

serviced in house.

Character(1)

63 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.

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

e.g., 125000 for 

$125,000.00

Use Banker’s 

Rounding 

Whole Number
118

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

under the Workout Type Completed / Executed line item, 

populate the total outstanding portion of the UPB that the 

borrower has agreed to pay.

64 Credit Line 

Frozen Flag

M255 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.

Note: Credit line frozen and credit line closed are separate 

actions and need to be coded as such. Do not code a closed 

account as frozen unless that specific action was taken.

Frozen is meant to be a temporary situation due to a decrease 

in property value or short term delinquency. The line can 

eventually be “unfrozen”. 

N = No the line of 

credit was not 

frozen

Y = Yes the line of 

credit was frozen in 

the reporting 

month

Character(1)

65 Locked 

Amount –

Amortizing –

LOC

M256 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.

e.g, 125000 for 

$125,000.00

Use Banker’s 

Rounding 

Whole Number

66 Locked 

Amount –

Interest Only 

M257 Locked Amount – Interest Only – LOC – Report the amount of 

credit line that has been locked. (Interest Only) 

e.g, 125000 for 

$125,000.00

Use Banker’s 

Whole Number
119

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

– LOC For lines of credit, populate this line item with the total dollar 

amount of the outstanding principal balance that has been 

locked as an interest only loan operating under independent 

terms. Important: Leave blank for any home equity loan. Also 

leave blank for any line of credit that does not have a lockout 

feature. If a line of credit has a lockout feature and no balance 

is locked, the line item should contain a zero.

Rounding 

67 Repayment 

Plan Start 

Date

M258 Repayment Plan Start Date – Report the date the repayment 

plan was entered into.

Indicates the date on which the terms of a loss mitigation 

repayment plan were agreed upon and initiated between the 

borrower and servicer.

YYYYMMDD YYYYMMDD

68 Actual 

Payment 

Amount

M259 Actual Payment Amount – Report the actual dollar amount of 

the payment received in the reporting month.

e.g, 125000 for 

$125,000.00

Use Banker’s 

Rounding 

Whole Number

69 Lockout 

Feature Flag

M260 Lockout Feature Flag – Report whether the line of credit that 

has a lockout feature.

Report any line of credit that contains a “lock-out” feature 

whereby a portion of the outstanding principal balance on a 

line may be locked into an amortizing or interest only loan with 

separate terms. Important: This line item should be left blank 

for home equity loans. For home equity lines of credit this line 

item should only contain the values “Y’ or ‘N’.

N = No

Y = Yes

Character(1)

70 Credit Line 

Closed Flag

M261 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.

N = No

Y = Yes

Character(1)
120

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

71 Interest Rate 

Reduced

M262 Report whether the interest rate has been reduced to be less 

than the scheduled value through loss mitigation.

For example, if a fixed-rate loan with a rate of 6% is reduced to 

2% as a result of loss mitigation, the BHC would report ‘Y’ for 

this line item.

This line item should only be populated for loans with a value 

in Line item 77 (Modification Type).

N = No

Y = Yes

Character(1)

72 Term 

modification

M263 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.

N = No

Y = Yes

Character(1)

73 Principal 

Write-down

M229 Principal Write-down - Report all loans where an adjustment to 

the unpaid principal balance has occurred. 

If adjustment to the unpaid principal balance has occurred 

through a modification, this line item should be “Y”; otherwise, 

it should be “N.

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.

N = No

Y = Yes

Character(1)

74 Line Re-age M264 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 

N = No

Y = Yes

If record is loan 

please leave blank 

Character(1)
121

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

but are not in active loss mitigation. This line item should be 

“N” for lines of credit that have been modified but not re-aged.

If the line is not either modified or re-aged, or this is a loan this 

value should be left blank.

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.

75 Loan 

Extension

M265 Report whether the home equity loan has been extended, but

the terms have not been formally modified. This line item

should be “Y” for loans that have been extended but are not in 

active loss mitigation. Loans that are in loss mitigation where 

the amortization term of the loan is being changed should be 

“N”. If the loan is neither modified nor extended, or this is a line 

of credit, this value should be left blank. A re-age is defined as a 

situation when an account's delinquency status is changed by 

collections or customer service as part of a loss mitigation 

effort.

If the original contract allows for the periodic re-underwriting 

of an extension, then this renewal is part of the product 

structure, and it would not constitute an extension under the 

regulatory definition.

Note: The Line items (74 Line Re-age, 75 Loan Extension) 

should be populated with a “Y” value if the line or loan has ever 

been re-aged or extended. These line items should carry 

forward from month to month and reflect the inventory of reages and extensions. Please do not count holiday extensions as 

“Y” for this variable.

N = No

Y = Yes

If record is line 

please leave blank 

Character(1)

76 Current 

Combined 

M266 Report the current combined LTV. The current combined LTV 

includes the updated loan-to-value using the current 

Provide as a 

decimal. E.g.:

Numeric, to 2 

decimals
122

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

LTV commitment of the HE loan or line. The bank may use an 

updated 1st mortgage balance, if available (serviced in house), 

but is not required to do so. For property value, the bank 

should use the most recent estimate of property value. If the 

bank has not refreshed the value since loan origination, then 

use the origination value. Basically, this is reporting the 

current CLTV that the bank is aware of to understand the 

profile of the portfolio.

0.51 for 51.1%

Please leave blank

if unavailable

77 Modification 

Type

M215 Report the modification type. This line item should be 

populated for any loan that is currently operating under 

modified terms and identifies the specific terms that were 

altered through loss mitigation efforts.

Active loss mitigation refers to instances where the loan is 

currently in loss mitigation, and the servicer is actively 

pursuing loss mitigation.

Proprietary Systematic Program – Report all other proprietary 

systematic programs targeted at applicable segments of 

mortgage borrowers. The “proprietary” nature of this line item

references the modification program and not the investor. Any 

loan modified under a proprietary systematic program should 

receive this code regardless of investor.

Proprietary Other – Report any modification type not covered 

by the previous categories. As with the proprietary systematic 

modifications, this line item is independent of the investor. 

These definitions are consistent with definitions in analogous 

OCC data collections.

Home Affordable Modification Program – Report any loans 

modified under the Home Affordable Modification Program 

Guidelines released March 4, 2009. Do not report the 

transaction as a modified loan until successful completion of 

0 Not Modified

7 2MP

8 Proprietary 

Systematic

9 Proprietary Other

10 HAMP

Numeric
123

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

the stipulated trial plan.

78 Last Modified 

Date

M216 Report the date of the most recent modification.

This line item should only be populated for loans with a value 

in Line item 77 Modification Type, indicating that a loan has 

been modified.

YYYYMMDD YYYYMMDD

79 Refreshed 

Property 

Value

M209 Refreshed property value – Report the most current property 

value if updated subsequent to loan origination. Only provide a 

refreshed value when it is based on a property-specific 

valuation method (i.e., do not provide a refreshed property 

value based solely on applying a broad valuation index to all 

properties in geographic area.)

The refreshed LTV refers to the servicer periodically updating 

the estimate of value to recalculate loan-to-value using the 

current loan balance. 

Do not report where the refreshed property value was not 

obtained with the last year.

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.

e.g. 125000 for 

$125,000.00

Whole Number

80 Refreshed 

Property 

Valuation 

Method

M210 Report the valuation method for any refreshed values in line 

item 79. Identifies the method by which the value of the 

property was determined.

• Full appraisal – Prepared by a certified appraiser

• Limited appraisal – Prepared by a certified appraiser

0=Not Refreshed

1=Full Appraisal –

Prepared by a 

licensed appraiser

2=Limited 

appraisal-Drive-by 

-Prepared by a 

Character(1)
124

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

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

broker or agent

• Desktop Valuation – Prepared by bank employee

• Automated Valuation Model “AVM”

The Refreshed Property Value, Refreshed Property Valuation 

Method, Property Method at Modification, and Most Recent 

Property Valuation Date line items refer to the same refreshed 

property valuation instance. If the property has been valued 

subsequent to origination, then provide the most recent 

property valuation date, the valuation method, and the 

property value.

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

81 Refreshed 

Property 

Valuation 

Date

M267 Report the date of the most recent property valuation. YYYYMMDD YYYYMMDD

82 Escrow 

Amount 

Current

(Retired 

March 2013)

M268

83 Loan Purpose 

Coding

M161 Report the purpose for the loan origination. If the loan has 

multiple purposes, report the primary purpose.

Loan Purpose 

Coding

1 = Purchase

4 = Rate / Term 

Refinance

5 = Cash-Out 

Refinance

6 = Other Refinance

Character(1)
125

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

7 = Home 

Improvement

8 = Debt 

Consolidation

9 = Education

A = Medical

R = Reverse 

Mortgage, including 

Home Equity 

Conversion 

Mortgage (HECM) 

loans

Y = Other

U = Unknown

84 Remaining 

Term

M198 Report the remaining term of the loan in months.

For HELOC it should be the combined draw period and the 

repayment period.

Note: For the Remaining Term line items in the FR Y‐14M First 

Lien and Home Equity schedules, a value of 0 should be 

assigned if a loan is past maturity.

Whole Number Whole Number

85 Bankruptcy 

Chapter

M195 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.

7 = Chapter 7

9 = Chapter 9

11 = Chapter 11

12 = Chapter 12

13 = Chapter 13

U = Unknown

Character(2)

86 Accrual 

Status

M957 Report the accrual status of the loan or line of credit as of the 

reporting month.

0 = Accrual

1 = Non-Accrual

2 = Serviced for 

Others/Securitized

Character(1)

87 Foreclosure M204 Foreclosure Suspended – Report all loans where foreclosure N = Foreclosure Character(1)
126

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

Suspended activities are being suspended due to loss mitigation or 

bankruptcy proceedings.

Active loss mitigation refers to instances where the loan is 

currently in loss mitigation, and the servicer is actively 

pursuing loss mitigation.

Flag indicating an active foreclosure suspension.

Note: The code value for this line item should follow public 

reporting (SEC 10-K, etc.) of this item.

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.

88 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 licensed appraiser

Limited Appraisal-Drive-by prepared by a licensed appraiser

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

agent

Desktop Valuation –Prepared by a bank employee or nonappraiser

1 = Full Appraisal 

2 = Limited 

appraisal

3 = Broker Price 

Opinion “BPO”

4 = Desktop 

Valuation –

5 = Automated 

Valuation Model 

“AVM”

6 = Unknown

7 = TAV – tax 

assessed value

8 = Purchase Price

9 = Other

Character(1)

89 Loss 

Mitigation 

Performance 

Status

M226 Loss Mitigation Performance Status – Report whether a loan is 

being actively handled by the servicer’s loss mitigation 

department. Refers to all loans where the servicer has initiated 

loss mitigation procedures whether or not a particular course 

of action or workout type has been executed. Active loss 

mitigation refers to instances where the loan is currently in loss 

mitigation, and the servicer is actively pursuing loss mitigation.

0 = No loss 

mitigation action in 

place.

1 = Active and 

Performing

2 = Active and 

Nonperforming

3 = Broken

Character(1)
127

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

Applies to all loans regardless of workout type (Line item 61 

Workout Type Completed/Executed)

The code values indicate:

Not in loss mitigation -If a loan is not in loss mitigation, then it 

should be coded as “0”.

Active and performing – Refers to any loan that is currently in 

loss mitigation and is performing to the terms of a selected 

plan.

Active and non-performing – Refers to instances where a loan is 

under a workout plan, as identified in Line item 61 Workout 

Type Completed/Executed, but borrower has missed at least 

one payment under the terms of the agreement.

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.

90 Other 

Modification 

Action Type

M958 Report any modification type not covered by the previous 

categories.

If the loan was modified and none of the categories reflect how 

the loan was modified, this line item should be “Y”; otherwise, it 

should be “N.

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 

N = No

Y = Yes

Character(1)
128

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

71 (Rate Reduction), 72 (Term Modification), 73 (Principal 

write-down), 57 (Capitalization), 58 (Interest Rate Frozen), 59 

(Principal Deferred). If the loan was modified and none of these 

categories reflect how the loan was modified, this line item 

should be “Y”; otherwise, it should be “N.

91 Reason for 

Default

This item has been removed and should not be reported.

92 Third Party 

Sale Flag

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 

(or servicer), this would not be considered a Third Party Sale, 

and this line item should be coded with a zero.

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)

93 Loss/Write 

down 

Amount

M241 NOTE: This item is mandatory for firms with bank subsidiaries 

regulated by the OCC and optional for all others.

Report home equity credit related losses and principal write 

downs incurred during the month, including all write-offs of 

principal, interest, receivables, or accruals that are deemed 

uncollectible.

Report all write-downs and reversals of loan principal and 

interest recorded as charge-offs against the Allowance for Loan 

and Leases Losses (ALLL), as defined in the FR Y-9C glossary 

entry for “allowance for loan and lease losses”. Also include all 

reversals of accrued but not collected interest, not directly 

charged against the ALLL. This should include accounting 

adjustments to fair market value.

If the charge off is positive, then reversals will get reported as a 

e.g, 125000 for 

$125,000.00

can be a positive or 

a negative value

Whole Number
129

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

negative value.

If multiple write-downs occurred in a given month, report the 

total amount of write-downs for that month.

The Loss/Write-down Amount is intended to parallel the 

amount and timing of loss recognized under regulatory 

accounting rules prior to, upon and following foreclosure of the 

property securing the loan. As a general rule, the amount of 

recognized loss is the difference between the recorded amount 

of the loan and the fair market value of the asset (less cost to 

sell). The Loss/Write-down Amounts recognized in subsequent 

months after foreclosure are the adjustments, if any, to the onbalance sheet value of the foreclosed asset. Include in the 

Loss/Write-down Amount items charged directly to the 

Allowance for Loan and Lease Losses as well as items charged 

to unearned interest, any valuation allowance established 

against the asset and accounts related to item 5.j on Schedule 

HI – “Net gains (losses) on sales of other real estate owned”.

94 Loss/Write 

down Date

M947 Report the date on which the loss or write-down was incurred. 

If multiple write-downs occurred in a given month, report the 

date of most recent write-down for that month. Specific dates 

should be reported. However, if the BHC can only identify the 

month, then the ‘DD’ portion should be reported as ‘01’ (e.g. 

20120301 for March of 2012).

YYYYMMDD YYYYMMDD

95 Unpaid 

Principal 

Balance (Net) 

M960 Report the current net unpaid balance at end of the reporting 

month rounded to the nearest dollar.

Net Unpaid Principal Balance for a Home Equity loan is the 

Gross Unpaid Principal Balance minus any charge-offs taken 

against the loan loss reserve (ALLL) for that same loan. The 

charge-off amount for Net Unpaid Balance is the cumulative 

lifetime loss for the loan and not the partial charge-off amount 

for the given reporting month. The net amount does not include 

e.g, 125000 for 

$125,000.00

Use banker’s 

rounding.

Whole Number
130

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

SOP-03-03 purchase accounting marks. Net UPB is rounded to 

the nearest dollar. If Net UPB is unknown because the loan is 

Serviced for Others or for any other reason, this value should be 

left blank. This value should equal the book value on regulatory 

filings.

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

item.

96 Performance 

of First Lien

M961 Report whether the first lien is performing or not. This 

includes first liens that are not held by the BHC.

Note: This line item is a required line item for “Portfolio” and 

“Serviced By Others” loans, and best efforts line item for 

“Serviced For Others”.

A loan is considered non-performing if the loan is not current 

(30 days or more past due by MBA method).

0 = First Lien Not 

Performing

1 = First Lien 

Performing

U = Status of First 

Lien not known

Character(1)

97 Ever 90+ 

DPD in the 

Past 12 

months

M950 Report whether the loan/line has delinquent history 

information in the past 12 months. Use the Mortgage Bankers 

Association’s delinquency method.

 “Y” if ever in 90 or more than 90 days past due in the past 12 

months

 “N” if not ever in 90 or more than 90 days past due in the past 

12 months

 “U” if unknown

N = No

Y = Yes

U=Unknown

Character(1)

98 Entity 

Serviced

M945 Report the Federal Regulator of the BHC subsidiary that is 

servicing the loan. If the loan is a commercial loan secured by 

residential real estate loans, report the Federal Regulator of the 

entity servicing the commercial loan.

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

1 = FRB

2 = OCC

3 = FDIC

Character(1)
131

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

entities within the BHC. Examples: If the loan is serviced by a 

national bank, then the Entity Serviced is OCC (code value = 2). 

If the loan is serviced by a state nonmember bank, then the 

‘Entity Serviced’ is FDIC (code value = 3). If the loan is serviced 

by a state member bank or a subsidiary of a BHC that is not a 

federally insured bank, then the ‘Entity Serviced’ is FRB (code 

value = 1).

99 Total Debt at 

Time of any 

Involuntary 

Termination

M235 Report the total debt at the time of any involuntary 

termination. Total debt should be reported at gross, not net 

values, and is comprised of:

1) Unpaid Principal Balance;

2) Interest pass through Amount (interest paid to the Investor 

to purchase loan out of pool or any prior years interest 

charged-off at non-accrual status);

3) Total Corporate Advance (incl. Property Preservation and 

Attorney’s fees);

4) Total Escrow Advance (taxes and insurance paid)

Note: Any involuntary termination includes REO, short sale, 

deed-in-lieu of foreclosure, third party sale or charge-off. Do 

not include any write-downs prior to termination. If a loan 

goes through a foreclosure sale and comes into REO, report the 

aggregate of the various stages of the process.

This line item is a required line item for portfolio loans and best 

efforts for all others.

Whole Number

e.g.,

2123 for $2,122.81

Use banker’s 

rounding.

Whole Number

100 Net Recovery 

Amount

M236 Report the cumulative recovery amount at the time the loan 

terminates. For first lien, this is computed as sales price net of 

costs of sales (e.g., sales commissions and buyer concessions.)

For junior lien the value is the amount recovered on the loan. 

Whole Number

e.g.,

2123 for $2,122.81

Use banker’s 

rounding.

Whole Number
132

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

For junior liens, termination may not coincide with property 

sale but rather when the loan stops being reported on the 

servicing system. If the loan continues to be reported post-sale 

then it could include recoveries after the sale of the property.

Note: Since net proceeds should be the same as Net Recovery 

Amount, report net proceeds in this line item for short sales 

and third party sales, along with all other involuntary 

terminations. Since the net recovery amount cannot be 

computed until the loan has been sold (or charged off), you 

need to also obtain the sales price the property sold at and 

place the sales price of the property in Line item ‘Sales Price of 

Property’. 

This line item is a required line item for portfolio loans and best 

efforts for all others.

101 Sales Price of 

Property

M948 Report the final sales price at which the property was disposed 

by the BHC in the case of involuntary termination. Provide the 

same price as the BHC would submit to public records data.

Note: This line item is a required line item for portfolio loans 

and best efforts for all others.

Whole Number

e.g.,

2123 for $2,122.81

Whole Number

102 Commercial 

Loan Flag

M951 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. 

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)

103 Probability of 

Default – PD

M114 Report the Probability of Default (PD) for the account as 

defined in the most recent capital framework. More specifically, 

A one in ten 

probability of 

Numeric, up to 5 

decimals
133

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

report the PD associated with the account’s corresponding 

segment. 

Note: Applicable only to firms subject to the advanced 

approaches rule. This item is required for BHC-owned loans 

only.

default should be

reported as 0.1.

104 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-owned loans 

only.

A ninety percent 

loss given default 

should be reported 

as 0.9.

Numeric, up to 5 

decimals

105 Expected 

Loss Given 

Default –

ELGD

M116 Report the Expected Loss Given Default (ELGD) parameter for 

the account as defined in the most recent capital framework. 

More specifically, report the ELGD associated to the account’s 

corresponding segment. 

Note: Applicable only to firms subject to the advanced 

approaches rule. This item is required for BHC-owned loans 

only.

A ninety percent 

expected loss given 

default should be 

reported as 0.9.

Numeric, up to 5 

decimals

106 Exposure at 

Default – EAD

M117 Report the dollar Exposure at Default (EAD) for the account as 

defined in the most recent capital framework. More specifically, 

report the EAD associated to the account’s corresponding 

segment. In particular, for open-ended exposures assign to all 

the accounts in a particular segment the corresponding LEQ, 

CCF, or related parameters, associated with that segment. After 

the corresponding parameter is assigned to each account, 

calculate the account EAD and report this as the variable value. 

Note: Applicable only to firms subject to the advanced 

approaches rule. This item is required for BHC-owned loans 

only.

Abbreviations:

Whole Number, e.g. 

5123 for $5,122.81

Whole Number
134

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

LEQ: Loan-equivalent-exposure

CCF: Credit Conversion Factor

107 Entity Type M952 Report the registered entity type of the BHC subsidiary that 

owns the reported loan. If the loan is not owned by the BHC or 

its subsidiaries, report the entity type as ‘Other.’

1 = National Bank

2 = State Member 

Bank

3 = Nonmember 

Bank

4 = State Credit 

Union

5 = Federal Credit 

Union

6 = Non-bank 

Subsidiary

0 = Other

Whole number

108 HFI FVO/HFS 

Flag

M953 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.

Y= Yes

N = No

Character(1)

109 Origination 

Credit 

Bureau Score 

Vendor

R036 List the vendor of the commercially available credit bureau 

score reported in item 13. If the vendor of the commercially 

available credit score reported in item 13 is not among those 

listed, please select “Other” and report the vendor in item 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.

1=FICO

2=VantageScore

3=Other

Character(1)

110 Origination 

Credit 

Bureau Score 

Version

R037 Provide the version of the commercially available credit bureau 

score reported in item 13 (for example, FICO 08 or 

VantageScore 3.0). If “Other” was selected in item 109, please 

report the vendor name along with the schedule version (in the 

format “vendor name – score version”).

Text String Character(30)

111 Current 

Credit 

Bureau Score 

R038 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 

1=FICO

2=VantageScore

3=Other

Character(1)
135

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

Vendor 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.

112 Current 

Credit 

Bureau Score 

Version

R039 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”).

Text String Character(30)

113 Current 

Credit 

Bureau Score 

Date

S382 Provide the date on which the commercially available credit 

bureau score reported in item 14 was obtained.

YYYYMMDD YYYYMMDD
136

B.2 Portfolio Level Table

Line 

Item 

No.

Line Item 

Name

MDRM 

(CCHE)

Detailed Description Allowed Values Format, Line 

Item Length

1 Portfolio 

Segment ID

M240 Report the portfolio segment. 1 = Serviced

2 = Portfolio HFI 

Purchased 

Impaired

3 = Portfolio HFI 

FVO / HFS 

4 = Other Portfolio

Character(1)

2 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.

Report in millions 

of dollars.

Whole Number

3 Loss / Writedown AmountM241 Loss / Write-down Amount – For active loans, report all 

cumulative lifetime write-downs and reversals of loan principal 

and interest recorded as charge-offs against the allowance for 

loan and leases losses (ALLL), as defined in the FR Y-9C 

glossary entry for “allowance for loan and lease losses”. Also 

include all reversals of accrued but not collected interest, not 

directly changed against the ALLL.

Cumulative lifetime 

loss or principal 

write-down on 

loans in the 

portfolio segment 

for all active loans 

in that segment. 

Principal Write 

downs and Losses 

should be 

expressed as 

positive numbers.

Report in millions 

of dollars.

Whole Number
137

Schedule C: Address Matching Loan Level Data Collection

Data Format

This will be a “month-end” file produced each month and reported no later than thirty (30) calendar

days after the end of the reporting month. This file will contain one record per active loan in the

contributor’s inventory.

For every loan reported on the FR Y-14M First Lien Closed-end 1-4 Family Loan or Home Equity Loan and

Home Equity Line of Credit Schedules, the BHCs shall provide the information set forth in this schedule. 

Starting with the March 2013 data submission, these schedules have been expanded to include REO loans, and

such loans will also be included in the Address Matching data collection.

Additional Formatting:

 Options for all line items are comprehensive identifying a valid value for all loans regardless

of status. If a value is Unknown or Unavailable, the line item should be left blank - populated

with a sequence of two vertical bars (|, ASCII decimal 124, ASCII hexadecimal 7C) with no

intervening spaces or explicit N/A coding.

 No quotation marks should be used as text identifiers.

 Please do not provide a header row.

Inactive inventory that was paid off in one manner or another (servicing transfer, involuntary

liquidation or paid-in-full by borrower) before the beginning of the reporting month should not be

included.

File Naming Convention

The standard data files which the Federal Reserve will receive from the data aggregator will follow the 

following file naming conventions. BHCs will use this naming convention to send the data files to the data 

aggregator.

FRY14_ADDRESSMATCH_<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 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 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 
138

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.
139

C.1 Data Table

Line 

Item 

No.

Line Item Name MDRM 

(CCAM)

Detailed Description Allowed Values Format, Line 

Item Length

1 Loan Number M142 Report an identifier for this loan that will be the same

from month to month. It must identify the loan for its

entire life and most be unique (piggy-backs should be

separated).

Provide the same loan number identifier that is 

provided in the FR Y‐14M First Lien and Home Equity 

schedule submissions. The loan number identifier 

should be consistent across the Address Match, First 

Lien, and Home Equity schedules.

If the BHC is already submitting data to the OCC as 

part of the OCC Mortgage Metrics Data or OCC Home 

Equity Data, it is required that the BHC use the same 

loan number for the FR Y‐14M data schedules. Please 

note that the FR Y‐14M data population may include 

additional loans, which may not be part of the OCC 

data sample, and for such loans the general 

requirements listed in the schedule instructions will 

be applicable. Overall, the entire data file sent by a 

BHC should have unique loan numbers across the 

entire submission.

A contributordefined

alpha-numeric value

up to

32 characters.

Character(32)

2 Property

Street

Address

9028 Report the street address associated with the property.

Must include street direction prefixes, direction

suffixes, and Unit Number for condos and co-ops.

Text line item.

Include street

prefixes, suffixes, 

and unit number,

e.g.: 123 E Main St #

123, 123 Highway

79 South

Unit 567

Text(100)
140

Line 

Item 

No.

Line Item Name MDRM 

(CCAM)

Detailed Description Allowed Values Format, Line 

Item Length

3 Property City 9130 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).

Text line item Text(50)

4 Property State 9200 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.

Two-letter postal 

codes for the state.

Character(2)

5 Property ZIP

Code

9220 Report the nine-digit ZIP code of the property or five-digit

ZIP code if nine-digit is not available. Please be sure to

provide the property ZIP code (not the mailing ZIP 

code).

Note: Provide the zip code as 9 digits when available.

Five-digit or ninedigit number. 

Include leading

zeroes WITH 

NO DASHES, 

e.g.: 00901,

101015271

Character(9)

6 Mailing Street

Address

9110 Report the borrower’s mailing street address. May be the

same as the

Property Street Address. Must include street

prefixes, suffixes, and unit number for condos and

co-ops.

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(100)

7 Mailing City F206 Report the borrower’s mailing city. May be the same as

the Property City.

Text line item. Text(50)

8 Mailing State F207 Report the borrower’s mailing state. May be the same as

the Property State.

If the Mailing State is an international address, then use

a code value of "FF" to represent the Mailing State

information.

Two-letter postal 

codes for the state.

Character(2)
141

Line 

Item 

No.

Line Item Name MDRM 

(CCAM)

Detailed Description Allowed Values Format, Line 

Item Length

9 Mailing ZIP

Code

F208 Report the nine-digit ZIP code of the mailing address or

five-digit ZIP code if nine-digit is not available. This may 

be the same as the Property ZIP Code.

If the Mailing zip code is an international address, and

greater than 9 characters, leave the foreign mailing zip

code blank.

Five-digit or ninedigit number. 

Include leading

zeroes WITH 

NO DASHES, 

e.g.: 00901, 

101015271

Character(9)

10 Liquidation

Status

M252 Liquidation Status – Report the liquidation method for 

any loan that was liquidated during the reporting month.

• Not Paid In Full – Coded for any home equity loans 

having an outstanding balance as of month-end as well as 

all active lines of credit.

• Voluntary Payoff – Code all instances where the loan has 

been paid in full by the borrower either through 

refinance, sale of the property or principal payment in 

full.

• 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.

• Servicing Transfer – Code all instances where the 

servicing of the loan has been transferred or sold to 

another institution during the reporting month.

0 =Not paid-in-full

1 = Voluntary 

Payoff/Refinance

(includes 

Property Sale)

2 = Involuntary

liquidation

3 = Servicing

transfer

Character(1)

11 Lien

Position at 

Origination

 M158 Report the lien position at origination (1st

, 2

nd

, 3

rd

, etc.). 1 = First Lien

2 = Second Lien

3 = Third Lien

Character(1)
142

Line 

Item 

No.

Line Item Name MDRM 

(CCAM)

Detailed Description Allowed Values Format, Line 

Item Length

12 Census Tract M275 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.

Census tract

number, provided

in text format 

including any

leading zeroes and

the decimal points if 

applicable.

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. 

Character(10)

13 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.

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)
FR Y-14M

143

Schedule D: Domestic Credit Card Data Collection Data Dictionary

Loan Population

 Loans should be reported based on their classification on the FR Y-9C, Schedule HC-C (i.e. based on the 

loans security, counterparty, or purpose). Refer to the FR Y-9C instructions for Schedule HC-C for 

guidance on loan classification. Below is a list of FR Y-9C items that are considered applicable loans for 

this schedule:

a. General Purpose Credit Cards: These are credit cards that can be used at a wide variety of 

merchants, including any who accept MasterCard, Visa, American Express or Discover credit cards.

Include affinity, co-brand cards in this category, and student cards if applicable. This includes loans

reported on the FR Y-9C, Schedule HC-C, item 6.a, and domestic general purpose cards reported in 

other FR Y-9C lines.

b. Private Label Credit Cards: These credit cards, also known as Proprietary Credit Cards, are tied to

the retailer issuing the card and can only be used in that retailer's stores. Include oil & gas cards in 

this loan type, and student cards if applicable. This includes loans reported on the FR Y-9C, 

Schedule HC-C, item 6.a, and domestic private label cards reported in other FR Y-9C lines.

c. Business Card: Include small business credit card accounts where the loan is underwritten with the 

sole proprietor or primary business owner as applicant. Report at the control account level or the

individual pay level (not at the sub-account level). This includes SME credit card loans that are 

those reported on the FR Y-9C, Schedule HC-C, item 4.a, and domestic business cards reported in 

other FR Y-9C lines.

d. Corporate Credit Cards: Employer-sponsored credit cards for use by a company's employees. This

includes US corporate credit card loans that are those reported on the FR Y-9C, Schedule HC-C, item 

4.a, and domestic corporate cards reported in other FR Y-9C lines.

e. Other: Other cards accounts to consumers, small business, or corporations reported in the FR Y-9C

in line items not represented above. Please do not include home equity lines of credit or other 

revolving consumer loans other than credit cards.

 Do not report data from international cards but include domestic cards, as defined by the FR Y-9C glossary 

entry for “domestic offices”. 

 For all variables reported please report as blank if information is missing or unknown. Also, if a line item

does not apply to the loan, the line item should be left blank.

 Account and loan-level files should sum up to the portfolio level. An amount, zero or null (be left blank) 

should be entered for all items, except in those cases where other options such as “not available” or “other” 

are specified. If information is not available or not applicable and no such options are offered, the line item

should be left blank. If the totals from the loan level are not equal to the totals from the portfolio level, BHCs 

should provide explanations.

 Avoid account duplications.

 For account level variables representing monetary value please use the U.S. Dollar ($) as the reporting

monetary unit.

 For portfolio level variables representing monetary value please use millions of dollars ($ Millions) as

the reporting monetary unit.

 In the case of closed or charged-off accounts, account information should be reported up to twelve 

months after the account's closure or charge off. There is a separate flag for charge‐off that can be 

used to identify such accounts.

 All accounts managed (including accounts tagged as securitized) should be reported as managed accounts. 

All accounts owned but not tagged as securitized should be reported as booked accounts.
FR Y-14M

144

 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.
FR Y-14M

145

D.1 Loan Level Table

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

1 Reference

Number

ReferenceNumber M046 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.

S Mandatory C18

2 Customer

ID

CustomerId M047 Report a unique customer identifier that

will be the same across loan records for the

same customer from month to month. The

Aggregator will recommend a best practice

for the identification or generation of this

identifier and the safeguarding of account 

privacy information.

Customer ID does not need to be 

consistent across all FR Y-14M schedules.

S Mandatory C18

3 Bank ID BankId 9001 Report the RSSD ID of the BHC. S Mandatory N10

4 Period ID PeriodId 9999 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.

D Mandatory Date

YYYYMMDD
FR Y-14M

146

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

5 State AccountState M048 Report the state the cardholder currently

reports as their billing address. If account

originated in the US and the card member

has subsequently moved to a foreign

country, report as NU. If there are multiple 

cardholders for one account, report the 

state of the primary borrower.

a. State postal code or 

b. Report as NU or

c. Report as AP - if Army Post Office

address.

D Mandatory C2

6 Zip Code AccountZipCode M049 Report the nine-digit zip code the

cardholder reported as their billing

address. If nine-digit zip code is not

available, report five-digit zip code. If 

there are multiple cardholders for one 

account, report the zip code of the primary 

borrower.

Data Format should include leading zeroes

WITH NO DASHES, e.g.: 00901 and

101015271.

D Mandatory C9

7 Credit

Card Type

CreditCardType M050 Report each account in one of the following

categories:

1 = General Purpose - can be used at a 

wide variety of merchants, including any

who accept MasterCard, Visa, American

Express or

Discover credit cards. Include affinity, cobrand cards in this category, and student

card if applicable.

2 = Private Label - also known as

D Mandatory N1
FR Y-14M

147

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

Proprietary Credit Cards, are tied to the

retailer issuing the card and can only be

used in that retailer's stores. Include oil & 

gas cards in this loan type, and student

cards if applicable.

3 = Business Card - Include small business

credit card accounts where the loan is

underwritten with the sole proprietor or

primary business owner as applicant.

Report at the control account level or the

individual pay level (not at the subaccount level).

4 = Corporate Card -Employer-sponsored

credit cards for use by a company's

employees. Report cards for which the

employees are financially responsible for

repayment of the balance. If the

employers are ultimately responsible for 

repayment of the balances, then report

under the FR Y-14Q corporate loan

schedule.

5 = Others - Other cards accounts to

consumers, small business, or

corporations reported in the FR Y-9C in

line items not represented above. For

small business or corporate cards report 

cards for which employees are financially 

responsible for repayment of balances.

8 Product

Type

ProductType M051 Report each account in one of the following

product types:

1 = Co-brand (typically related to

products and services, including retail

D Mandatory N1
FR Y-14M

148

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

stores, airlines, etc. Excluding Oil and

Gas cards)

2 = Oil and Gas Co-Brand

3 = Affinity (having affiliations such as

Unions, Universities, etc. These cards

typically do not offer rewards from these

organizations)

4 = Student (if internally identified as

a student card)

5 = Other

6 = Health Care Card (a card that can

only be used specifically with the chosen

medical providers and carry terms not

typically available to general purpose

cards or private label cards).

9 Lending

Type

LendingType M052 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

D Mandatory N1
FR Y-14M

149

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

repaid in full in each billing cycle.

3 = Non Consumer Bank Card - Include

small business credit card accounts

where the loan is underwritten with the

sole proprietor or primary business

owner as applicant. Also report Corporate

Card Employer-sponsored credit cards

for use by a company's employees.

4 = Non Consumer Charge Card – Small

business credit card or corporate credit

card for which the balance is repaid in full

in each billing cycle. A purchase charge

card issued by a corporation should be

categorized as a corporate card and it will

be categorized as a non-consumer charge 

card based on the appropriate ‘lending

type’ categorizations.

10 Revolve

Feature

RevolveFlag M053 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

D Mandatory N1

11 Network

ID

NetworkId M

05

4

Report each account in one of the

following categories:

1 = Visa

2 = MasterCard

3 = American Express

4 = Discover

5 = Other

D Mandatory N1

12 Secured CreditCardSecured M055 Report whether the card is included in a D Mandatory N1
FR Y-14M

150

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

Credit

Type

Flag program where any portion of the line is

secured by collateral.

1 = Yes

0 = No

13 Loan

Source/Ch

annel

LoanChannel M056 Report the source or channel by which the

lender solicited or otherwise acquired the

account. The method of solicitation could

include direct mail, the internet, take-one

applications, or telemarketing. Report each

account in one of the following categories:

0 = Take-One Other application -

unsolicited accounts based on a 

customer completing an internet,

magazine insert or event marketing 

application.

1 = Pre-approved - accounts originated

under a program where the issuer solicits a 

list of potential customers to which it will

make an offer of credit.

2 = Invitation to Apply "ITA" - accounts

originated based on a solicitation that

required a customer to undergo a full

credit review prior to approval.

3 = Take-One Branch application –

unsolicited accounts based on customer

completing an application obtained at bank.

4 = Accounts Purchased from a 3rd Party –

accounts added as a result of portfolio

acquisition or mergers. Do not include here

if already included in one of the above

channels.

5 = Other loan source known and not

included in 0– 4 above.

S Mandatory N1
FR Y-14M

151

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

6 = Loan source unknown.

14 SOP-03-03

flag

SOP0303Flag M234 Report whether the loan is accounted for 

under SOP 03-03 accounting. SOP 03‐3 

accounting is now referenced in GAAP as

ASC 310‐30 accounting, as defined in the 

FR Y-9C, Schedule HC-C, item M.5. Loans

subject to this accounting treatment are

purchased credit impaired loans or loans

acquired in a transfer for which there is 

evidence of deterioration of credit quality

since origination for which it is probable,

at acquisition, that the investor will be

unable to collect all contractually

required payments receivable.

1 = Yes

0 = No

D Mandatory N1

15 Cycle

Ending

Balance

CycleEndingBalan

ce

M058 Report the total outstanding balance for the

account at the end of the current month's

cycle. If cycle ending balance is not

available, report the total balance

outstanding on the account as of the monthend reporting date.

D Mandatory N12.2

16 Cycle

Ending

Balance

Flag

CycleEndingBalan

ce

Flag

M059 Report any loans where

CycleEndingBalance reports the total

outstanding balance for the account at the

end of the current month's cycle.

1 = Yes

0 = No

D Mandatory N1

17 Accounts

Under

Promotion

PromotionFlag M060 Report accounts under promotion (i.e.

subject to promotional pricing) in the

current month’s cycle. This may include 

purchase or any other type of teasers as 

D Mandatory N1
FR Y-14M

152

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

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.

1 = Yes

0 = No

18 Cycle

Ending

Balan

ces

Mix -

Prom

otiona

l

CycleEndingBalan

ce

Promotional

M061 Balances at a Promotional Rate - Report any

amount outstanding priced at rates below

the account's normal purchase APR at the

end of the current month’s cycle.

If cycle ending balance information is not

available, report information at the

month-end reporting date.

Do not include balances under a workout

program.

D Mandatory N12.2

19 Cycle

Ending

Balan

ces

Mix -

Cash

CycleEndingBalan

ce

Cash

M062 Balances at a Cash Advance Rate - Report

any amount outstanding priced at cash

advance APR at the end of the current

month’s cycle. If cycle ending balance

information is not available, report 

information at the month-end reporting

date.

D Mandatory N12.2

20 Cycle

Ending

Balan

ces

Mix -

Penalt

y

CycleEndingBalan

ce

Penalty

M063 Balances Subject to Default or Penalty

Pricing - Report any amount outstanding

subject to default or penalty pricing due to

performance at the end of the current

month’s cycle. If cycle ending balance 

information is not available, report

information at the month-end reporting

date.

D Mandatory N12.2

21 Cycle

Ending

CycleEndingBalan

ce

M064 Report all other balances outstanding at the

end of the current month's cycle ending

D Mandatory N12.2
FR Y-14M

153

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

Balan

ces

Mix -

Other

Other 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.

22 Average

Daily

Balance

(ADB)

AverageDailyBala

nc

e

M065 Report the average daily balance in the

reporting month or cycle.

D Mandatory N12.2

23 Total

Reward

Cash

TotalRewardCash M066 For accounts that offer cash, miles or other

Rewards, report the total equivalent dollar

amount of cash rewards accumulated as of

the reporting month.

If the institution does not have access to 

reward information owned by a partner, 

the institution is not required to report 

that information.

Institutions should report the cumulative 

reward available to the customer as of the 

reporting month.

The institution should report Net Cash 

Reward. For purposes of this report, Net 

Cash Award = Cumulative earned cash (or 

cash equivalent) ‐ redeemed/forfeited 

cash (or cash equivalent)

For Cards that do not offer rewards, 

institutions should report “0”. For cards

that offer rewards but the net 

accumulative balance for the month is 

negative, institutions should report the 

D Mandatory N12.2
FR Y-14M

154

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

negative values as‐is.

Do not include merchant loyalty points If a 

merchant houses the loyalty points on its 

own system and they are not available to 

institution.

24 Reward

Type

RewardType M067 Report reward type in one of the following 

categories.

1 = Cash

2 = Miles

3 = None

4 = Other

D Mandatory N1

25 Account

Cycle

Date

AccountCycleEndD

a

te

M068 Report the date in which transactions were

accumulated for billing in the reporting

month. Leave blank if the account does not

have a statement date in the current

reporting month.

D Mandatory Date

YYYYMMDD

26 Account

Originatio

n Date

AccountOriginatio

n

Date

M069 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).

S Mandatory Date

YYYYMMDD

27 Acquisitio

n Date

AcqDate M070 For accounts resulting from acquisition or

merger, report the loan’s acquisition or

merger date. If the date of

acquisition/merger is unknown report

19000101, if the loan was not acquired,

report 19000102.

S Mandatory Date

YYYYMMDD

28 Multiple

Banking

Relationsh

MultipleBankingR

el

ationshipFlag

M071 Report accounts that currently have

other non- credit card banking

D Mandatory N1
FR Y-14M

155

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

ips relationships with the bank.

1 = Deposit

2 = Trust or investment account

3 = Mortgage

4 = Home Equity

5 = Auto

6 = Student Loans

7 = Installment Loans

8 = More than one types

9 = Unknown

0 = No other products or cross-sellings

29 Multiple

Credit

Card

Relationsh

ips

MultipleCardRelati

o

nshipFlag

M072 Report accounts where the bank has

issued more than one credit card to the

primary or joint account holder(s).

1 = Yes

0 = No

D Mandatory N1

30 Joint

Account

JointAccount M073 Report whether the account has more than

one primary obligor. Exclude other

authorized users.

1 = Yes

0 = No

D Mandatory N1

31 Authorize

d Users

AuthorizedUsers M074 Report total number of authorized users

including primary obligors.

D Mandatory N5

32 Flagged as

Securitize

d

SecuritizedFlag M075 Report whether the account has been

securitized (designated for inclusion in a 

master trust).

1 = Yes

0 = No

D Mandatory N1

33 Borrower'

s

BorrowerIncome M076 Report the borrower’s total annual income

obtained at the account's origination

S Mandatory N12
FR Y-14M

156

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

Income at

Originatio

n

(annualized if monthly income was

provided).

34 Income

Source at

Originatio

n

BorrowerIncomeT

y

pe

M077 Income Source at Origination -- Report

whether the original income information

was for the primary cardholder only or for

joint or household members also.

1 = Individual

2 = Household

3 = Other

S Mandatory N1

35 Updated

Borrower'

s

Income

UpdatedBorrower

In

come

M078 Report the amount of total income if new

income information was obtained

subsequent to the initial application or

acquisition.

D Optional N12

36 Updated

Income

Source

UpdatedBorrower

In

comeType

M079 Report whether the updated income

information was for the primary cardholder

only or for joint or household members

also.

1 = Individual

2 = Household

3 = Other

D Optional N1

37 Date

Refreshed

Income

Obtained

DateUpdatedBorro

werIncome

M080 Report the date the new income

information was received.

D Optional Date

YYYYMMDD

38 Originati

on 

Credit 

Bureau 

Score 

for the 

OriginalCreditScor

ePri

maryBorrower

M081 Report the credit score value of the primary 

account holder at origination using a 

commercially available credit bureau score 

(for a definition of a commercially available 

credit bureau score, see general instructions, 

section H). Report the credit score name in 

S Mandatory N3
FR Y-14M

157

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

primary 

account 

holder

item 109 and list the credit score version in 

item 116.

If, and only if, a commercially available credit 

bureau score was not obtained during the 

origination process, map the internal credit 

score used to evaluate the primary account 

holder’s creditworthiness at origination to a 

commercially available credit bureau score. 

Report that mapped score here and provide a 

separate document describing the mapping 

methodology. Report the name of the credit 

score to which the internal credit score was 

mapped in item 109 and list the credit score 

version in item 116. Indicate that an internal 

score is being mapped to the specified 

commercially available credit score in item 

118 and report the value assigned by the 

internal credit score in item 119. Note that 

scores which do not meet the definition of a 

commercially available credit bureau score as 

set forth in section H of the general 

instructions, including internal scores which 

are not mapped to such scores, may be 

treated as missing data by the Federal 

Reserve.

For Small Business Cards, provide the score 

for the proprietor or primary business owner. 

For Corporate Cards, provide the score for 

the primary cardholder if available. If the 

original Industry standard score is not 
FR Y-14M

158

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

available, leave this line item blank.

39 Originati

on Credit 

Bureau 

Score for 

the coborrowe

r (if any)

OriginalCreditScor

eCo

borrower

M082 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).

S Mandatory N3

40 Refreshed 

Credit 

Bureau 

Score

RefreshedCreditSc

ore

PrimaryBorrower

M083 Report the most recently updated credit 

score available for the primary account 

holder using a commercially available credit 

bureau score (for a definition of a 

commercially available credit bureau score, 

see general instructions, section H). . Report 

the credit score name in item 110 and list the 

credit score version in item 117. Report the 

date on which the credit score was refreshed 

in item 41.

If, and only if, an updated commercial credit 

bureau score is not available or is not 

currently being used by the institution to 

evaluate the primary account holder’s 

creditworthiness, map the most current 

internal credit score used to evaluate the 

primary account holder’s creditworthiness to 

a commercially available credit bureau score. 

Report that mapped score here and provide a 

separate document describing the mapping 

methodology. Report the name of the credit 

score to which the internal credit score was 

mapped in item 110 and list the credit score 

D Mandatory N3
FR Y-14M

159

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

version in item 117. Indicate that an internal 

score is being mapped to the specified 

commercially available credit score in item 

120 and report the value assigned by the 

internal credit score in item 121. Report the 

date on which the internal credit score was 

refreshed in item 41. Note that scores which 

do not meet the definition of a commercially 

available credit bureau score as set forth in 

section H of the general instructions, 

including internal scores which are not 

mapped to such scores, may be treated as 

missing data by the Federal Reserve.

For Small Business Cards, provide the score 

for the proprietor or primary business 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.

41 Credit 

Bureau

Score

Refresh

Date

CreditScoreRefres

hDate

M084 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.

D Mandatory Date

YYYYMMDD

42 Behavioral

Score

BehavioralScore M085 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.

D Optional N10.6

43 Original

Credit

Limit

OriginalCreditLimi

t

M086 Report the amount of the credit line set by

the card issuer at origination. If no credit

limit, report the purchase or shadow limit.

S Mandatory N12.2
FR Y-14M

160

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

If credit limit is not available, then leave

blank. A Shadow Limit is the maximum total

outstanding balance allowed on an account

and is not advertised to the account holder.

A Shadow Limit can fluctuate based on the

outstanding balance of the account holder

during the course of a billing cycle.

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.

44 Current

Credit

limit

CurrentCreditLimi

t

M087 Report the maximum dollar amount that

may be borrowed on the account during the

reporting month. Report at the reporting

month's end. If no credit limit, report the

purchase or shadow limit. Report the type

of credit limit in line item 112. If unknown,

leave blank.

A Shadow Limit is the maximum total

outstanding balance allowed on an

account and is not advertised to the

account holder. A Shadow Limit can

fluctuate based on the outstanding

balance of the account holder during the

course of a billing cycle.

A Purchase Limit is the maximum

amount that can be purchased on an

account in a given billing cycle and is not

advertised to the account holder.

D Mandatory N12.2
FR Y-14M

161

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

For Corporate accounts, report the limit

at the account level and not the

relationship credit limit.

45 Current

Cash

Advance

Limit

CurrentCashAdvan

ceLimit

M088 Report the maximum cash advance amount

available to the borrower. Report at the 

reporting month’s end.

D Mandatory N12.2

46 Line

Frozen in

the

current

month

LineFrozenFlag M089 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

D Mandatory N1

47 Line

Increase

or

Decrease

in the

current

month

LineIncreaseDecre

aseFlag

M090 Report whether the account remains

open but the credit line has been

increased or reduced in the current

reporting month. Report if the line

change is proactive or reactive in line 

item 113.

2 = Increase

1 = Decrease

0 = No change

D Mandatory N1

48 Minimum

Payment

Due

MinimumPayment

Due

M091 Report the current minimum dollar amount

due that will make the account roll into the

first delinquency bucket if not paid. For this 

item, the first delinquency bucket is 

defined as 1-29 days past due, with the 

general definition of past due taken from 

the FR Y-9C General Instructions for 

schedule HC-N. Use the most recent cycle

date of the current reporting month. This is

generally referred to as minimum payment 

D Mandatory N12.2
FR Y-14M

162

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

due on cardholder's statement. 

49 Total

Payment

Due

TotalPaymentDue M092 Report the dollar amount of the total

payment due for the cycle ending in the

current reporting month. This generally

includes current minimum due, past due

payments and any amount reported as

over the credit limit.

D Mandatory N12.2

50 Next

Payment

Due Date

NextPaymentDue

Date

M093 Report the date the cardholder is told a 

payment must reach the bank for the cycle

in the current reporting month to keep the

account in a current status.

D Mandatory Date

YYYYMMDD

51 Actual

Payment

Amount

ActualPaymentA

mount

M094 Report the dollar amount of all payments

received during the current month’s

cycle. Aggregate multiple payments.

Report net of checks returned for nonsufficient funds, account closed, etc. (even 

if related to prior cycles). If a statement

was not generated or a payment was not

made, report as zero.

D Mandatory N12.2

52 Total Past

Due

TotalPastDue M095 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.

D Mandatory N12.2

53 Days Past

Due

DaysPastDue M096 Report the actual number of days the

account is past due as of the current

reporting month's cycle date. If cycle

ending information is not available, 

report information at the month-end

reporting date.

D Mandatory N3

54 Account Account60PlusDP M097 Report whether an account was ever 60+ D Mandatory N1
FR Y-14M

163

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

60 Plus

DPD Last

Three

Years Flag

DL

astThreeYearsFlag

Days Past Due in the last 3 years.

1 = Yes

0 = No

55 Interest

Type in

current

month

InterestType M098 Report whether the purchase (not

promotional) APR is fixed or variable rate.

If the account is in temporary workout

program, report pre-workout terms. If the

account is in permanent workout program,

report the workout terms.

1 1 = Fixed - accounts where the

purchase (not promotional) APR is

fixed.

2 = Variable - loans where the purchase

APR rate fluctuates based on a spread to an

index. Report accounts as variable even if

there is a temporary initial fixed period.

Include as variable even if the APR is at its

floor or cap.

D Mandatory N1

56 APR at

Cycle End

CycleEndingRetail

APR

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

(temporary or permanent), report the

workout APR.

D Mandatory N6.3

57 FeeType FeeTypeFlag M100 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

D Mandatory N1

58 Month- MonthEndActiveFl M101 Report whether the account has had any D Mandatory N1
FR Y-14M

164

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

end

Account

Status -

Active

ag 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.

59 Monthend

Account

Status -

Closed

MonthEndClosedR

evokedFlag

M102 Report whether, in the current reporting

month, the account is closed or revoked

and has no further charging privileges.

Include accounts in default, in credit

management programs and expired 

accounts. The account may or may not

have a balance. Report cases of 

bankruptcy as either a 1 or 2, whichever 

is appropriate. Report cases where 

company representatives request the 

closure of an employee credit card (a 

corporate card under consideration) as 

1.

0 = No, the account is not closed

and not charged‐off.

1 = Yes, closed, at the request of the

borrower.

2 = Yes, closed, not at the request of the

borrower.

D Mandatory N1
FR Y-14M

165

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

3 = Yes, closed, borrower deceased.

4 = Yes, closed due to charge off.

Charged off loans or closed loans are

required to be included up to twelve

months after they are closed or charged

off.

60 Collection

Re-age

Date

CollectionReageDa

te

M103 Report the date of the last account re-age

performed by the collections department,

or in relation to any performance-related

delinquency.

D Mandatory Date

YYYYMMDD

61 Charge-off

Reason

ChargeOffReasonC

ode

M104 Report the reason for charge-off and loss

recognition on an account in the current

month. This line item should be left blank 

for accounts that have not been charged off. 

 1= Contractual - losses incurred as a 

result of borrower's inability to make

full repayment under the contractual

terms of the account.

 2= Bankruptcy - losses incurred as a 

r result of borrower's bankruptcy 

p proceedings.

 3= Deceased - losses incurred as a 

e result of death of account holder.

 4= Other - any other known reason.

 5=Charge-off Reason Unknown - any other

c charge- off, reason unknown.

6 = Fraud – losses as a result of fraud,

whether by account holder or a third party.

D Mandatory N1

62 Gross

Charge-off

Amount –

Current

GrossChargeOffIn

C

urrentMonthAm

ou nt

M105 Report the total amount of gross chargeoffs on the account during the reporting

month, including charge-offs related to

principal, interest and fees. Record all

D Mandatory N12.2
FR Y-14M

166

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

Month charges against Allowance for Loan and 

Lease Losses the as defined in the FR Y-9C 

Glossary entry for “allowance for loan and 

lease losses”.

Value will only be populated in the month

charged-off.

63 Recovery

Amount

– Current

Month

RecoveryAmount M106 Report the dollar amount of any balance

recovery from a previously charged-off

account collected during the month.

When possible assign recoveries at

account level, including bulk recoveries.

For example, in some instances it may be

reasonable to establish a relationship

between recoveries (or recovery rate) at

the account level, exposure at default, and 

potentially other account characteristics. 

This stated relationship can be used in

conjunction with observed losses at a 

higher level of aggregation in order to

generate consistent losses at the account 

level. This established relationship may

be model based in some cases or

judgmentally based in others.

If it is not possible to reasonably assign

recoveries at the account level for any

reason, leave blank as indicated in the

schedule's instructions.

D Mandatory N12.2

64 Purchase

Amount

PurchaseVolume M107 Report the net purchase dollar volume

during the current month’s cycle.

D Mandatory N12.2

65 Cash

Advance

CashAdvanceVolu

m

M108 Report the net cash advance dollar volume

during the current month’s cycle.

D Mandatory N12.2
FR Y-14M

167

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

Amount e

66 Balance

Transfer

Amount

BalanceTransferV

ol

ume

M109 Report the balance transfer dollar volume

during the current month’s cycle.

D Mandatory N12.2

67 Convenien

ce

Check

amount

ConvenienceCheck

Amount

M110 Report the convenience check dollar

volume during the current month’s cycle.

D Mandatory N12.2

68 Account

Sold Flag

AccountSoldFlag M111 Report accounts that have been sold during

the current month. Identifier should persist

while the account is reported. 

1 = Yes

0 = No

D Mandatory N1

69 Bankruptc

y Flag

BankruptcyFlag M112 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

D Mandatory N1

70 Loss

sharing

LossShare M11

3

Report accounts that are part of a loss

sharing agreement, as defined in the 

FR Y-9C, Schedule HC-M, item 6.

1 = Yes

0 = No

D Mandatory N1

71 Probability 

of Default -

PD

Basel2PD M114 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

D Optional N6.5
FR Y-14M

168

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

reported as 0.1. This item is mandatory for 

firms subject to the advanced approaches 

rule.

72 Loss Given 

Default -

LGD

Basel2LGD M115 Report the Loss Given Default for the

account as defined in the most recent 

capital framework. More specifically, report

the LGD associated with the account’s

corresponding segment. Example, a ninety

percent loss given default should be

reported as 0.9. This item is mandatory for 

firms subject to the advanced approaches 

rule.

D Optional N6.5

73 Expected 

Loss Given 

Default -

ELGD

Basel2ELGD M116 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.

D Optional N6.5

74 Exposure 

at Default

- EAD

Basel2EAD M117 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.

D Optional N12.2
FR Y-14M

169

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

75 EAD id

segment

Basel2EADid M118 Report the unique EAD segment Id

identifier- A unique number identifying

the EAD segment where the loan record

resides in the current month. This item is 

mandatory for firms subject to the 

advanced approaches rule.

D Optional N7

76 Corporate

ID

CorporateID N031 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.

S Mandatory C18

77 Variable

Rate

Index

InterestRateIndex N032 Report variable purchase APR (variable

55) index, if a loan has a fixed purchase

APR, report as 0.

0 – Fixed APR

1 – Prime Rate

2 – 1 month LIBOR

3 – 2 month LIBOR

4 – 3 month LIBOR

5 – 6 month LIBOR

6 – 12 month LIBOR

7 – 1 month Treasury Bill

8 – 3 month Treasury Bill

9 - 6 month Treasury Bill

10 – 12 month Treasury

11 – Others

D Mandatory N2

78 Variable

Rate

Margin 

InterestRateMargi

n

6271 Report variable purchase APR (variable 55)

margin, if a loan has a fixed purchase APR,

leave blank.

D Mandatory N6.3

79 Maximum MaxAPR N033 Report the maximum APR (rate cap D Mandatory N6.3
FR Y-14M

170

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

APR applying to purchase APR and cash APR)

allowed for the account during the 

reporting month.

80 Rate Reset

Freque

ncy 

RateResetFreq N034 Report the frequency for resetting the APR.

If the BHC does not have a reset schedule,

report 6.

0 – Fixed rate no reset

1 – Monthly

2 – Every 2 months

3 – Every 3 months

4 – Every 6 months

5 – Every 12 months

6 - Others

D Mandatory N1

81 Promotion

al APR

PromotionalAPR N035 Report the APR for the balance under

promotion. If there are multiple APRs,

report the weighted average promotional

APR corresponding to Line item 18 Cycle

Ending Balances Mix ‐ Promotional.

D Mandatory N6.3

82 Cash APR CashAPR N036 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.

D Mandatory N6.3

83 Loss Share

ID

LossShareId N037 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

D Mandatory C7
FR Y-14M

171

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

sharing agreement.

The institution should also provide a 

written summary of the relevant terms of

each loss sharing agreement along with

the corresponding LossShareId number.

Additional supporting documentation

may be requested if necessary.

Leave blank if the account is not

associated with a loss sharing agreement.

84 Loss Share

Rate

LossShareRate N038 If the account is associated with a loss

sharing agreement, report the percentage of

credit loss that the reporting institution will

bear in the case of default. For example, if

the reporting institution bears 20.8% of the

credit losses in this portfolio report 0.208.

0 = Report the number zero if the

account is not associated with a loss

sharing agreement.

2 = Report the number two if the account

is associated with a loss sharing

agreement that is too complex to be

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.

D Mandatory N7.5

85 Other

Credits

OtherCredits N039 Report the dollar amount of all credits

(other than cardholder payments)

D Mandatory N12.2
FR Y-14M

172

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

received during the current month's

cycle, including merchandise returns and 

reward cash credits. Exclude fee

reversals or waivers, which are

accounted for in the "Fees Incurred"line

item.

86 Cycles

Past Due

at

Cycle

Date 

AccountCycleEndD

e

linquency

N129 Report the number of cycles the account is

past due as of the current month's cycle

date

D Mandatory N2

87 Cycles

Past Due

at

MonthEnd 

AccountMonthEnd

Delinquency

N130 Report the number of cycles the account is

past due on the last day of the current

reporting month

D Mandatory N2

88 Finance

Charge

(Effective

for

submissio

n of

June 2013

data)

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.

D Mandatory N12.2

89 Fees

Incurred -

Late

FeeNetLateAmoun

t

N132 Report the net late fees assessed for late or

nonpayment. Report fees posted during

current month's cycle.

D Mandatory N12.2

90 Fees

Incurred -

Over

Limit 

FeeNetOverLimitA

mount

 N133 Report the over limit fees assessed for an 

account exceeding its credit limit. Report

fees posted during current month's cycle.

D Mandatory N12.2

91 Fees

Incurred -

NSF

FeeNetNSFAmoun

t

N134 Report the non-sufficientfunds fees (NSF)

assessed against an account when payment

is returned unpaid because of nonD Mandatory N12.2
FR Y-14M

173

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

sufficient funds. Report fees posted during 

current month's cycle.

92 Fees

Incurred -

Cash

Advanc

e 

FeeNetCashAdvan

c

eAmount

N135 Report the cash advance fees assessed for

cash advances made on the credit card.

Report fees posted during current month's

cycle.

D Mandatory N12.2

93 Fees

Incurred –

Monthly

/Annual 

FeeNetMonthlyAn

n

ualAmount

N136 Report the monthly/annual fees assessed

for the privilege of holding the credit card.

Report fees posted during current month's

cycle.

D Mandatory N12.2

94 Fees

Incurre

d - Debt

Suspens

ion

FeeNetDebtSuspe

ns ionAmount

N137 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.

D Mandatory N12.2

95 Fees

Incurred -

Balance

Transfer

FeeNetBalanceTra

n

sferAmount

N13

8

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.

D Mandatory N12.2

96 Fees

Incurred -

Other

FeeNetOtherAmou

nt

N139 Report all other fees not included

elsewhere in this report. Examples include

convenience check fees and foreign

currency fees.

D Mandatory N12.2

97 Debt

Suspensi

on/Cance 

llation

Program 

Enrollme

nt 

DebtWaiverProgra

mEnrolFlag

N140 Report whether the account is enrolled in a 

debt waiver/cancellation program,

including payment protection plans.

1 = Yes

0 = No

D Mandatory N1

98 Debt DebtWaiverProgra N141 Report whether the borrower is receiving D Mandatory N1
FR Y-14M

174

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

Suspensi

on/Cance 

llation

Program 

Active

mActiveFlag benefits under a debt

suspension/cancellation program, including

payment protection plans.

1 – Yes

0 – No

99 Cycle-end

Account

Status -

Active 

CycleEndActiveFla

g

N142 Report whether the account has had any

debit, credit, or balance activity in the last

twelve months as of cycle end. If the

account does not cycle in the current 

month, leave blank.

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.

D Mandatory N1

100 Cycle-end

Account

Status -

Closed 

CycleEndClosedRe

v

okedFlag

N143 Report whether, in the current reporting

cycle, the account is closed or revoked and

has no further charging privileges. Include

accounts in default, in credit management

programs and expired accounts. The

account may or may not have a balance.

0 = No, the account is not closed and not

charged‐off.

1 = Yes, closed, at the request of the

borrower.

2 = Yes, closed, not at the request of the

D Mandatory N1
FR Y-14M

175

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

borrower.

3 = Yes, closed, borrower deceased.

4 = Yes, closed due to charge off.

101 Skip-apaymentSkipaPaymentFlag N144 Report whether the account holder opted

for a promotional skip-a-payment during

the reporting month.

1 – Yes

0 – No

D Mandatory N1

102 Credit

Card

Workout

Program 

WorkoutProgramF

l

ag

N145 Report whether the account entered into

any type of workout program during the

current reporting month.

1 – Yes

0 – No

Report “No” if the BHC does not offer a 

workout program.

D Mandatory N1

103 Workout

Program

Type

WorkoutProgram

Ty

pe

N146 For accounts in a workout program at

month-end, report the type of program in

one of the options below:

1 - External Program - a permanent

external program, often administered by a 

Consumer Credit Counseling Service

(CCCS).

2 - Internal Long-Term Program - an

internal program where terms have been

modified and the account holder is paying

off outstanding balances over an extended

period. Include all programs with 

enrollment durations in excess of 12

months.

3 - Internal Temporary Programs - an

internal program where terms are

temporarily modified, not to exceed 12

D Mandatory N1
FR Y-14M

176

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

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

Leave blank if the BHC does not offer

workout option.

104 Workout

Program

Perfo

rman

ce 

Statu

s 

WorkOutProgram

P

erformanceStatus

N147 Report the performance of borrowers in all

workout plans. These plans include the

external Consumer Credit Counseling

Programs, as well as, internal long-term and

temporary programs. Report performance

as of the reporting date in one of the

following categories:

1 - Active and Performing - the

borrower is performing as scheduled

under the terms of an executed

workout program.

2 - Active and Non-Performing - the

borrower is in a workout plan but is

currently delinquent but not yet has

defaulted

3 - Broken - the borrower has defaulted

on the terms of an executed plan during

the month. Use the bank's internal

definition of broken.

Leave blank if the BHC does not offer

D Mandatory N1
FR Y-14M

177

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

workout option.

105 Settlement

Portion

Forgive

n 

SettlementPortion

F

orgivenAmount

 N148 For any account for which the "Settlement"

option has been selected under the

Workout Program type, report the total

amount of the outstanding balance forgiven

in the current month. Leave blank if the

BHC does not offer workout options or the 

‘Settlement’ option has not been selected.

D Mandatory N12.2

106 Customer

Service

Re-age

Date 

CustomerServiceR

e

ageDate

N149 Report the date of the last re-age performed

by any customer service rep (for example,

in response to an erroneous payment

posting or other similar non- performance

issue.) Customer service re-ages occur

anytime an account's delinquency status is

changed by someone or through some

program outside of the established

collections program - this includes moving a 

current account to delinquent(i.e. due to 

NSF insufficient funds) or moving a 

delinquent account to current.

D Mandatory Date

YYYYMMDD

107 Principal

Chargeoff

Amoun

t –

Current

Month 

PrincipalChargeOff

I

nCurrentMonthA

m ount

N150 Report the total amount of any principal

write-downs (or principal reversals) on the

account during the reporting month.

Record all charges against the Allowance

for Loan and Lease Losses (ALLL), as 

defined in the FR Y-9C glossary entry for 

“allowance for loan and lease losses”. Do 

not report write-downs related to fees,

finance charges and other non-principal

write-downs that are included in Gross

Charge-off Amount – CurrentMonth.

Value will only be populated in month

charged-off.

D Mandatory N12.2

108 Fraud in FraudFlag N151 Report whether the account is currently D Mandatory N1
FR Y-14M

178

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

the

current

month 

frozen due to potential fraud or has been 

closed for cause at the conclusion of a fraud

investigation. month.

1 - Yes

2 – No

109 Original

Credit

Bureau 

Score 

Name

OriginalCreditScor

e

Name

N152 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

D Mandatory N2

110 Refreshed

Credit

Bureau 

Score 

Name

RefreshedCreditSc

o

reName

N153 List the name of the commercially available 

credit score provided or mapped to in item 

40. If the name of the commercially 

available credit bureau score reported or 

mapped to in item 40 is not among those 

listed, please select “Other” and report the 

name in item 117. List the version of the 

credit score in item 117. . If, and only if, a 

commercially available credit score was not 

provided in item 40 and the internal score 

provided was not mapped to a 

commercially available credit score, please 

D Mandatory N2
FR Y-14M

179

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

select “None”. 

1. 1 - FICO

2. 2 - VantageScore

3. 3 - Other

4 - None

111 Behavioral

Score

Name/

Version 

BehavioralScoreN

a

meVersion

N154 Report the name and version of the

behavior score reported in line item 42.

S Optional C30

112 Credit

Limit Type

CreditLimitType N155 Report the type of credit limit reported

in line item 44 when there is no credit

limit.

A Shadow Limit is the maximum total

outstanding balance allowed on an

account and is not advertised to the

account holder. A Shadow Limit can

fluctuate based on the outstanding

balance of the account holder during the

course of a billing cycle.

A Purchase Limit is the maximum

amount that can be purchased on an

account in a given billing cycle and is not

advertised to the account holder.

If the credit limit reported in line item 44

(Current Credit Limit)is not a shadow or

purchase limit, leave the line item blank.

For Corporate accounts, report the limit

type at the account level and not the

D Mandatory N1
FR Y-14M

180

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

relationship credit limit.

1 = Purchase Limit

2 = Shadow Limit

113 Credit Line

Change

Type 

CreditLineChange

Ty

pe

N156 Report the line change reported in line item

47 as proactive (bank-initiated) or reactive

(borrower request).

1 = Proactive

2 = Reactive

3 = Unknown

0 = No line change

D Mandatory N1

114 Date CoBorrower

Was

Added

CoBorrowerAddD

at

e

N157 Report the date the co-borrower was

added to the account.

D Optional Date

YYYYMMDD

115 Entity

Type

EntityType M952 Report the entity type that owns the

reported loan.

Entity type refers to the legal form or

charter of the subsidiary of the BHC that

owns the reported loan.

1 = National Bank

2 = State Member Bank

3 = Nonmember Bank

4 = State Credit Union

5 = Federal Credit Union

6 = Non-bank Subsidiary

0 = Other

D Mandatory N1

116

(Effecti

ve for 

submis

sion of 

Originatio

n Credit 

Bureau 

Score

Version

OriginalCreditScore

Version

R037 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 

D Mandatory C30
FR Y-14M

181

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

June 

2014 

data)

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).

117

(Effecti

ve for 

submis

sion of 

June 

2014 

data)

Refreshed 

Credit 

Bureau 

Score 

Version

RefreshedCreditSco

reVersion

R039 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).

D Mandatory C30

118

(Effecti

ve for 

submis

sion of 

June 

2014 

data)

Internal 

Originatio

n Credit 

Score Flag

InternalOrigScoreFl

ag

R040 Indicate if an internal score was used to 

map to a commercially available credit 

bureau score in item 38, or if a 

commercially available credit bureau 

score was reported directly. If none of 

these options were selected leave this field 

blank. 

1. An internal score was used to map 

to a commercially available credit bureau 

score.

2. A commercially available credit 

bureau score was reported directly.

D Mandatory N1

119 Internal 

Originatio

n Credit 

Score 

Value

InternalOrigScoreV

alue

R041 If an internal score was used in any way in 

item 38, report the corresponding value of 

the internal score here.

D Mandatory N6.3

120 Internal 

Refreshed 

Credit 

InternalRefrScoreFl

ag

R042 Indicate if an internal score was used to 

map to a commercially available credit 

bureau score in item 40, or if a 

D Mandatory N1
FR Y-14M

182

Line 

Item

No.

Line Item

Name

Technical Line 

Item Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C:

Character

Score Flag 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.

121 Internal 

Refreshed 

Credit 

Score 

Value

InternalRefrScoreV

alue

R043 If an internal score was used in any way in 

item 40, report the corresponding value of 

the internal score here.

D Mandatory N6.3
FR Y-14M

183

D.2 Portfolio Level Table 

Line 

Item

No.

Line Item

Name

Technical Line Item 

Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C: Character

1 BankId BankId (PK) 9001 Identify the bank. S Mandatory C18

2 PeriodId PeriodId (PK) 9999 Identify the reporting period. Reporting

period is the period (month) over which

account metrics are reported.

D Mandatory Date

YYYYMMDD

3 Credit Card

Type

CreditCardType (PK) M050 Report portfolio level information in

one of the following

categories:

1 = General Purpose - can be used at a 

wide variety of merchants, including

any who accept MasterCard, Visa, 

American Express or Discover credit

cards. Include affinity, co-brand cards

in this category, and student card if

applicable.

2 = Private Label - also known as

Proprietary Credit Cards, are tied to

the retailer issuing the card and can

only be used in that retailer's stores.

Include oil & gas cards in this loan type,

and student cards if applicable.

3 = Business Card - Include small

business credit card accounts where

the loan is underwritten with the sole 

proprietor or primary business owner

as applicant. Report at the control

account level or the individual pay 

level (not at the sub-account level).

4 = Corporate Card -Employersponsored credit cards for use by a 

company's employees.

D Mandatory N1

4 Lending LendingType(PK) M052 Report portfolio level information in D Mandatory N
FR Y-14M

184

Line 

Item

No.

Line Item

Name

Technical Line Item 

Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C: Character

Type one of the following

categories:

1 = Consumer Bank Card - Regular

general purpose credit cards that can

be used at a wide variety of 

merchants, including any who accept

MasterCard, Visa, American Express

or Discover credit cards. Include

affinity and co- brand cards in this

category, and student cards if 

applicable. This product type also

includes private label or propriety

credit cards, which are tied to the

retailer issuing the card and can only

be used in that retailer’s stores.

Include oil & gas cards in this loan

type, and student cards if applicable.

2 = Consumer Charge Card -

Consumer credit cards for which the

balance is repaid in full in each

billing cycle.

3 = Non Consumer Card - Include small

business credit card accounts where

the loan is underwritten with the sole 

proprietor or primary business owner

as applicant. Also report Corporate

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.

1

5 End of MonthEndManagedRec M119 Report the end of month managed D Mandatory N12.4
FR Y-14M

185

Line 

Item

No.

Line Item

Name

Technical Line Item 

Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C: Character

Month

Managed

Receivables

eivables 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.

6 End of

Month

Book

Receivables

MonthEndBookReceiva

bles

M120 Report the end of month book 

receivables. Include the amount of

outstanding credit card receivables,

bank owned only (not securitized, not

serviced for others), to individuals for

household, family and other personal 

expenditures arising from charges on

General Purpose or Private Label Credit

Cards. For Business Cards, this would 

be the amount of extensions of credit to

individuals for business purposes. For

Corporate Cards this will be the amount

outstanding on Employer-sponsored

credit cards for use by a company's

employees.

Report total receivables of the booked 

accounts.

D Mandatory N12.4

7 Number of

Accounts

NumberAccount M121 Report in millions the total number of

non-charge-off accounts as of the

reporting month.

D Mandatory N12.4
FR Y-14M

186

Line 

Item

No.

Line Item

Name

Technical Line Item 

Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C: Character

8 Total

Number

of New

Accounts

NumberNewAccounts M

1

2

2

Report in thousands total

number of new accounts 

originated in the reporting

month.

D Mandatory N12.4

9 ALLL

Managed

Balance

ALLLManagedBalance M123 Report the amount of the ALLL assigned

to the managed credit card portfolio at

the end of the month; include reserves 

maintained for securitized assets, if any.

The managed portfolio is defined as all 

the credit card loans institutions own, 

service, or manage for others on and/or 

off their balance sheets.

D Mandatory N12.4

10 ALLL

Booked

Balance

ALLLBookedBalance M124 Report the amount of the ALLL assigned

to the bank-owned credit card portfolio

at the end of the month.

D Mandatory N12.4

11 Projected

Managed

Losses

ProjectedManagedLoss

es

M125 Report the estimated dollar amount of

losses for the next

12 months (rolling basis each

reporting month)for the entire

managed portfolio.

D Mandatory N12.4

12 Projected

Booked

Losses

ProjectedBankownedL

osses

M126 Report the estimated dollar amount of

losses for the next

12 months (rolling basis each reporting

month)for the bank-owned portfolio

only.

D Mandatory N12.4

13 Managed

Gross

Chargeoffs for the 

current

month

ManagedGrossChargeO

ffs

M127 Report the dollar amount of gross

charge-offs recognized in the reporting

month for the entire managed portfolio 

(including, the total amount of any

write-downs, fee waivers or reversal of

loan interest and fees on the credit card

receivables).

D Mandatory N12.4

14 Booked

Gross

Chargeoffs for

OnBalanceSheetGrossC

har geOffs

M128 Report the dollar amount of gross

charge-offs recognized in reporting

month for bank-owned receivables. 

D Mandatory N12.4
FR Y-14M

187

Line 

Item

No.

Line Item

Name

Technical Line Item 

Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C: Character

the 

current 

month

(Including, the total amount of any

write-downs, fee waivers or reversal of

loan interest and fees on the credit card

receivables).

15 Managed

Bankrup

tcy 

Chargeoff 

Amount

for 

Current 

Month

ManagedBankruptcyCh

arg eOffAmount

M129 Report the dollar amount of gross

charge-offs recognized in the reporting

month that was due to bankruptcy for

the entire managed portfolio. 

D Mandatory N12.4

16 Booked

Bankrup

tcy 

Chargeoff 

Amount

for 

Current 

Month

OnBookBankruptcyCha

rgeOffAmount

M130 Report the dollar amount of gross

charge-offs recognized in the reporting

month that was due to bankruptcy for 

bank owned receivables.

D Mandatory N12.4

17 Managed

Recoveries

ManagedRecoveries M131 Report amounts recovered on credit

card loans previously charged-off for

the entire managed portfolio in the

current reporting month.

D Mandatory N12.4

18 Booked

Recoveries

BookedRecoveries M132 Report all recoveries for prior

charge-offs on bank-owned 

receivables, recognized through the

ALLL, in the current reporting month.

D Mandatory N12.4

19 Manag

ed

Princi

pal 

ManagedPrincipalReco

veryAmount

M133 Report amounts recovered attributed as

principal recovery on credit card loans

previously charged-off for the entire 

managed portfolio in the current

reporting month.

D Mandatory N12.4
FR Y-14M

188

Line 

Item

No.

Line Item

Name

Technical Line Item 

Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C: Character

Recov

ery 

Amou

nt

20 Managed

Interest and

Fees 

Recov

ery 

Amou

nt

ManagedInterestRecov

eryAmount

M134 Report amounts recovered attributed as

any interest and fees recoveries on

credit card loans previously charged-off

for the entire managed portfolio in the

current reporting month.

D Mandatory N12.4

21 Booked

Principal

Recovery

Amount

BookedPrincipalRecove

ryAmount

M135 Report amounts recovered attributed

as principal recovery on credit card

loans previously charged-off for the

entire booked portfolio in the current

reporting month.

D Mandatory N12.4

22 Booked

Interest

and Fees 

Recovery 

Amount

BookedInterestRecover

yAmount

M136 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.

D Mandatory N12.4

23 Interest and

Fees

Chargeoff/Reversa

l

Amount

InterestAndFeeCharge

OffAmount

M137 Report the total amount of any writedowns, fee waivers or reversal of loan

interest and fees on the credit card 

receivables during the reporting

month. Interest and fee reversals,

waivers or write-downs can include

those charged against the allowance

for loan and lease losses (ALLL), or a 

separate valuation reserve, or

reversed against current period

income during the reporting period.

D Mandatory N12.4

24 Loan Loss

Provision

LoanLossProvisionExp

ense

M138 Report loan loss provision expenses

during the month for credit cards only.

D Mandatory N12.4
FR Y-14M

189

Line 

Item

No.

Line Item

Name

Technical Line Item 

Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C: Character

Expense

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).

25 Loan Loss

Provision

Taken

ProvisionExpenseTake

n

M139 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).

D Mandatory N12.4

26 Loan Loss

Provision

Build

ProvisionExpenseBuild M140 Report the additional provision built up

during the month for credit cards only.

Provision build equals: provision

expense + recoveries - charge-offs

against the ALLL.

Reporting procedures may vary across

Banks. Typically

Loan Loss Provision Expense (Line 

item 24) will be the sum of Loan Loss

Provision Taken (Line item 25) and

Loan Loss Provision Build (Line item

26).

This value should be the additional 

loss provision made during the 

month according to the approved loss 

reserve methodology.

D Mandatory N12.4

27 Extraordina

ry

Items

ExtraOrdinaryItems M141 Report extraordinary items, which are

categorized as material and infrequent,

such as gains and/or losses on the sale

of credit card portfolios during the

month.

D Mandatory N12.4

28 Interest InterestExpense N158 Report the total interest expenses D Mandatory N12.4
FR Y-14M

190

Line 

Item

No.

Line Item

Name

Technical Line Item 

Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C: Character

Expense accrued for the month to fund credit

card receivables.

29 Total NonInterest

Expense 

TotalNonInterestExpen

se

N159 Report the total non-interest expenses. D Mandatory N12.4

30 Total NonInterest 

Expense -

Interchang

e Expense 

InterchangeExpense N160 Report the interchange expense fees

paid to the card associations.

D Mandatory N12.4

31 Total NonInterest 

Expense -

Rewards/

Rebates

Expense 

RewardsExpense N161 Report the rewards/rebates expenses

associated with reward and rebate

programs for credit cards.

D Mandatory N12.4

32 Total NonInterest 

Expense -

Collections 

Expense 

CollectionsExpense N162 Report costs incurred to collect

problem credits.

D Mandatory N12.4

33 Total NonInterest

Expense -

Fraud 

Expense 

(Effective

for

submissio

n of June

2013 data)

FraudExpense N163 Report losses incurred as a result of

fraudulent activity.

D Mandatory N12.4

34 Total NonInterest 

Expense -

OtherNonInterestExpe

nse

N164 Report all other operating and other

expenses associated with card

operations. This includes servicing,

D Mandatory N12.4
FR Y-14M

191

Line 

Item

No.

Line Item

Name

Technical Line Item 

Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C: Character

All Other 

Expenses 

cardholder billing, processing

interchange, processing payments, card

issuing, authorizations, card 

administration and outside

services/outsourcing expenses, etc.

35 Interest

Income 

InterestIncome N165 Report total interest accrued and billed

on credit card receivables for the

month, less any interest waived or 

reversed as uncollectible or any amount

added to a contra- asset account for

uncollectible interest that the bank 

maintains and reports separately from

the ALLL. Do not include fee income in

this category.

D Mandatory N12.4

36 Fee Income TotalFeeIncome N166 Report total fees assessed on credit card

accounts during the month, less any fee

waived or reversed as uncollectible or

any amount added to a contra-asset

account for uncollectible fees that the

bank maintains and reports separately

from the ALLL. Interchange, annual and

debt suspension/cancellation fees

should not be reported here.

D Mandatory N12.4

37 Fee Income

-

Late Fee 

Income 

LateFeeIncome N167 Report net fees assessed for late or

nonpayment accounts.

D Mandatory N12.4

38 Fee Income

-

Over Limit 

Fee

Income 

OverLimitFeeIncome N168 Report fees assessed for accounts going

over established credit limits.

D Mandatory N12.4

39 Fee Income

-

Balance 

Transfer

BalanceTransferFeeInc

ome

N169 Report fees assessed for transferring

balances from another source outside

the bank, such as another financial

institution's credit card to a credit card

D Mandatory N12.4
FR Y-14M

192

Line 

Item

No.

Line Item

Name

Technical Line Item 

Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C: Character

Fee at this bank.

40 Fee Income

-

Convenienc

e

Check Fee 

ConvenienceCheckFeeI

ncome

N170 Report fees assessed for the use of

checks provided to assess available

credit on the account.

D Mandatory N12.4

41 Fee Income

-

Cash

Advance

Fee

(Effective

for

submissio

n of June

2013 data)

CashAdvanceFeeIncom

e

N171 Report fees assessed for cash advances

on the account.

D Mandatory N12.4

42 Fee Income

-

NSF Fee 

NSFFeeIncome N172 Report fees assessed for payments

returned unpaid.

D Mandatory N12.4

43 Fee Income

-

Other Fee 

Income 

OtherFeeIncome N173 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.

D Mandatory N12.4

44 Interchange

Income 

InterchangeIncome N174 Report interchange fees received from

the card associations.

D Mandatory N12.4

45 All Other

NonInterest

Income 

OtherNonInterestInco

me

N175 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.

D Mandatory N12.4

46 Taxes Taxes N176 Report tax expenses applicable to credit D Mandatory N12.4
FR Y-14M

193

Line 

Item

No.

Line Item

Name

Technical Line Item 

Name

MDRM 

(CCRS)

Description Static or

Dynamic

Mandatory 

or Optional

Format

N: Numeric

C: Character

card income.