Federal Register / Vol. 82, No. 209 / Tuesday, October 31, 2017 / Notices 50447 

1Offline systems is defined as other IT systems 

not connected or linked to the core data processing 

system or third party vendors with loan, deposit, 

and investment data. These may include, but are 

not limited to, credit cards, mortgage loans, student 

loans, indirect loans, etc. 

2https://www.ncua.gov/About/Documents/examflexibility/exam-flexibility-initiative-report-2016- 

oct.pdf 

3A standard data format will not replace or 

eliminate all examiner data requests occurring 

during an examination. NCUA encourages 

responders to recommend other data sources that 

NCUA could standardize to improve exam 

efficiency. 

4 Implemented in 2014, NCUA’s Office of 

National Examination and Supervision (ONES) 

collects detailed loan level data and select share 

data to run stress test scenarios and loan portfolio 

analytics for supervisory purpose. Currently, these 

credit unions send monthly data to NCUA on a 

quarterly basis using standard templates with 191 

unique data fields relevant to each data type 

including automobile, credit cards, student, real 

estate, member business loans, and other consumer 

loans. The sample formats in this RFI include 53 

similar fields to those collected by ONES. 

Estimated Total Annual Burden 

Hours: 2,404. 

Request for Comments: Comments 

submitted in response to this notice will 

be summarized and included in the 

request for Office of Management and 

Budget approval. All comments will 

become a matter of public record. The 

public is invited to submit comments 

concerning: (a) Whether the collection 

of information is necessary for the 

proper performance of the function of 

the agency, including whether the 

information will have practical utility; 

(b) the accuracy of the agency’s estimate 

of the burden of the information 

collection, including the validity of the 

methodology and assumptions used; (c) 

ways to enhance the quality, utility, and 

clarity of the information to be 

collected; and (d) ways to minimize the 

burden of the information collection on 

respondents, including the use of 

automated collection techniques or 

other forms of information technology. 

By Gerard Poliquin, Secretary of the 

Board, the National Credit Union 

Administration, on October 25, 2017. 

Dated: October 26, 2017. 

Dawn D. Wolfgang, 

NCUA PRA Clearance Officer. 

[FR Doc. 2017–23610 Filed 10–30–17; 8:45 am] 

BILLING CODE 7535–01–P 

NATIONAL CREDIT UNION 

ADMINISTRATION 

Electronic Loan, Deposit, and 

Investment Data Collection 

AGENCY: National Credit Union 

Administration (NCUA). 

ACTION: Request for Information (RFI) 

SUMMARY: The National Credit Union 

Administration is conducting a 

comprehensive review of the loan, 

deposit, and investment information 

collected electronically during 

examinations of federally insured credit 

unions from the core data processing 

and offline systems used by credit 

unions. 

DATES: Comments must be received on 

or before January 2, 2018. 

ADDRESSES: Comments may be 

submitted using one of the methods 

below (Please do not send comments via 

multiple methods). Include [Your name 

and company name (if any)]—Electronic 

Data Collection Modernization in all 

correspondence. 

• Email: Address to BIMail@

NCUA.gov. Include ‘‘[Your name] 

Comments on Electronic Data Collection 

Modernization’’ in the email subject 

line. Any of the following formats is 

acceptable: HTML, ASCII, Word, RTF, 

or PDF. 

• Mail: Please direct written 

comments to Amber Gravius, National 

Credit Union Administration, 1775 

Duke Street, Alexandria, Virginia 22314. 

NCUA will post all comments 

received by the deadline on the agency 

Web site (www.ncua.gov) without 

alteration or redaction, so commenters 

should not include information they do 

not wish public (e.g., personal or 

confidential business information). 

SPAM or marketing materials will be 

discarded without publication. 

FOR FURTHER INFORMATION CONTACT: 

Kelly Lay, Business Innovation Director 

or Amber Gravius, Special Assistant for 

Business Innovation, Office of the 

Executive Director, at 1775 Duke Street, 

Alexandria, VA 22314 or telephone 

(703) 518–6313 (Ms. Lay) or (703) 548– 

2411 (Ms. Gravius). Media inquiries 

should be directed to the NCUA Office 

of Public and Congressional Affairs at 

(703) 518–6671 or pacamail@ncua.gov. 

SUPPLEMENTARY INFORMATION: The 

National Credit Union Administration 

(NCUA) is conducting a comprehensive 

review of the loan, deposit, and 

investment information collected 

electronically during examinations of 

federally insured credit unions (FICUs). 

The overarching goal is to modernize, 

formalize, and standardize data formats 

collected during examinations from the 

core data processing and offline 

systems 1 used by credit unions. The 

purpose of this modernization effort is 

to: 

a. Achieve a more consistent 

examination process; 

b. Promote agency efficiencies and 

reduce burden on credit unions; 

c. Reduce onsite time by streamlining 

agency efforts to sort, organize, and 

format data; 

d. Improve data reliability and quality 

to enable more offsite work; 

e. Enhance the objectivity of 

examination conclusions with a more 

thorough and advanced portfolio 

analysis; and 

f. Support the Exam Flexibility 

Initiative’s 2 longer examination cycle, 

consistency between examiners, better 

communication, more efficient 

examination planning process, and 

better offsite monitoring tools. 

This RFI is a major step in NCUA’s 

internal modernization efforts. After 

considerable research and analysis, the 

agency is now at a point where it can 

outline the scope of its planned 

improvements. In turn, NCUA seeks the 

views of the public on this initiative and 

is eager to gain input from interested 

stakeholders on a number of aspects 

related to the future data collection by 

NCUA. Specifically, this RFI explains 

NCUA’s objectives and seeks insights 

from stakeholders in identifying the 

interrelated considerations and 

challenges that could arise if NCUA 

adopts a new standardized data format 

for loan, deposit, and investment data.3

NCUA will use information furnished 

by stakeholders to help further define 

data fields to collect electronically, 

develop a standard data format 

(including field names and definitions), 

and comprise an implementation 

strategy that reduces burden without 

compromising the agency’s ability to 

safeguard the National Credit Union 

Share Insurance Fund (NCUSIF). 

Separate and apart from the normal 

examination data download process, 

FICUs with assets greater than $10B 

must comply with 12 CFR 702, subpart 

E which implements capital planning 

and stress testing.4 The information 

collected as part of this process is not 

the focus of this RFI as it differs 

significantly in timing, purpose, and 

content. 

In addition to this RFI, the agency 

may seek clearance from the Office of 

Management and Budget to conduct 

stakeholder calls and form workgroups 

to gather additional information about 

barriers and benefits to this 

modernization initiative. NCUA invites 

interested parties to respond generally 

to this modernization initiative and 

specifically to the questions included in 

this RFI. 


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50448 Federal Register / Vol. 82, No. 209 / Tuesday, October 31, 2017 / Notices 

5NCUA Letter to Credit Unions Number 179, 

(September 1995). 

6The download file for both loans and shares 

include the 12 member profile fields. 

7NCUA Letter to Credit Unions 00–CU–09 

(November 2000). 

8NCUA Letter to Credit Unions 03–CU–05 (April 

2003). 

9NCUA combined the member name, first name, 

last name, and middle initial into one field. 

Additionally, the zip code fields were consolidated 

and social security number was added to the share 

download resulting in the number of unique 

member profile fields to decline from 12 to 8. The 

member profile fields are currently included in 

each loan and each share download. 10NCUA Letter to Federal Credit Unions 09– 

FCU–03 (January 2009). 11 Includes unsecured loans, lines of credit, 

vehicle loans, short-term, small dollar amount 

loans, and leases receivable. This number may 

include some overlap with indirect, participation, 

and commercial/MBLs based on categories of 

reporting on the 5300 Call Report. 12The December 31, 2003 5300 Call Report only 

collected Indirect Loans Granted Year-To-Date. 

NCUA first started collecting total outstanding 

indirect loans with the March 31, 2014 Call Report. 

Credit unions reported a total of $97.35B indirect 

loans as of March 31, 2014. Since that initial 

reporting, indirect loans have increased 77.3%. 

13Total real estate loans includes commercial/ 

MBLs secured by real estate. 

14Non-federally guaranteed student loans as 

reported on the 5300 Call Report. NCUA first 

started collecting this information with the March 

31, 2014 Call Report. Credit unions reported a total 

of $2.84B non-federally guaranteed student loans as 

of March 31, 2014. Since that initial reporting, these 

loans have increased 40.49%. 

I. Background 

Examiners obtain electronic data at 

the beginning of every examination, 

during some supervision contacts, and 

on an ad hoc basis from credit unions. 

This raw data, sometimes from multiple 

sources and in multiple data files, 

provides examiners with essential 

information in evaluating credit and 

deposit risks in FICUs and is integral to 

risk supervision which is central to 

safeguarding the integrity of the 

NCUSIF. Before 1995, this data was in 

written format. In 1995, NCUA initiated 

the first electronic data collection 5

encouraging FICUs to provide member 

data to examiners through standard 

download routines made available by 

their information processing vendor or 

written in-house instead of paper 

listings and reports. In this letter, NCUA 

requested 12 member profile, 24 loan 

and 4 share fields electronically for each 

member record.6

In November 2000, NCUA encouraged 

adherence to the share and loan data 

record layout specifications to facilitate 

the import functions into NCUA’s 

examination software, Automated 

Integrated Regulatory Examination 

System (AIRES).7 NCUA did not 

increase the electronic data fields or 

modify the data format with this 

communication. 

NCUA last changed the loan and 

share download in April 2003.8

Beginning June 30, 2003, the member 

profile fields were consolidated and one 

new field was added for a total of eight 

fields.9 The unique loan fields increased 

by eight and the unique share fields 

increased by nine to total 39 loan and 

20 share data fields in the electronic 

download. Although NCUA did not 

make electronic data collection a 

requirement, NCUA did identify fields 

as ‘‘critical’’ and ‘‘optional.’’ NCUA 

requested FICUs provide all critical 

fields for successful import and use in 

the examination process. The letter 

identifies 15 critical fields in the share 

file and 25 critical fields in the loan file. 

In 2009, NCUA informed federal 

credit unions (FCUs) of the membership 

data collection and information 

extracted from the electronic loan and 

share download gathered during 

examinations.10 NCUA did not increase 

the electronic data fields or modify the 

data format with this communication. 

II. Reason for Modernization Initiative 

The credit union industry is dynamic, 

with FICUs growing larger and more 

complex each year. NCUA must ensure 

its data collection vehicles evolve with 

industry practices and examination/ 

supervision procedures so: 

a. All material FICU risk exposures 

are captured; 

b. data offering little insight into these 

exposures are no longer solicited; and 

c. the reporting burden on supervised 

institutions—particularly small or noncomplex credit unions—is minimized. 

Increasing industry complexity, a 

desire for more effective offsite 

supervision, and evolving technologies 

necessitated a review of the current 

process in favor of opportunities to 

improve efficiencies and reduce the 

examination burden on credit unions. 

Table 1 illustrates the evolution of the 

FICU industry since NCUA last changed 

the electronic data collection in April 

2003. Although the number of 

institutions has declined, FICUs 

continue to grow in assets, loans, shares, 

membership, and complexity. 

TABLE 1—FICU TRENDS SINCE THE LAST CHANGE IN ELECTRONIC DATA COLLECTION

12/31/2003 3/31/2017 Change (%) 

FICUs ......................................................................................................................... 9,369 5,737 (63.33) 

Total Assets ............................................................................................................... $610.16B $1.34T 119.62 

Total Loans ................................................................................................................ $376.11B $884.58B 135.20 

Consumer Loans 11 ............................................................................................. $187.53B $390.07B 108.00 

Credit Card Loans .............................................................................................. $21.84B $51.59B 136.21 

Indirect Loans ..................................................................................................... 12 Not collected $172.56B Not available 

Participation Loans ............................................................................................. $4.5B $29.97B 566.00 

Real Estate Loans 13 .......................................................................................... $168.26B $438.93B 160.86 

Commercial/MBL ................................................................................................ $9.32B $68.89B 639.16 

Student Loans 14 ................................................................................................. Not collected $3.99B Not available 

Total Shares .............................................................................................................. $528.34B $1.13T 113.88 

Average Assets .......................................................................................................... $65.10M $233.0M 257.91 

Median Assets ........................................................................................................... $10.55M $29.97M 184.08 

# Loans ...................................................................................................................... 40.92M 61.01M 49.10 

# Shares Accounts .................................................................................................... 142.34M 204.44M 43.63 

Today, examiners frequently request 

additional reports and data 

electronically during examinations 

above and beyond the loan and share 

download including, but not limited to: 

Investment data, credit cards, indirect 

loans, participation loans, and 

commercial/member business loans. 

These requests are compelled by 

increased complexity, more services, 

and extensive loan products offered to 

credit union members. These requests 

may be made before an examination 

begins or throughout the process. As 

NCUA has not defined a standard data 


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Federal Register / Vol. 82, No. 209 / Tuesday, October 31, 2017 / Notices 50449 

15Most credit unions must obtain reports from 

other systems and third party vendors for real 

estate, commercial/member business loans, student 

loans, credit cards, participation, and indirect 

loans. Examiners primarily receive consumer and 

real estate loan information in the current loan and 

share download limited to the data fields defined 

in NCUA Letter to Credit Unions 03–CU–05. 

16FIPS Publication 199, Standards for Security 

Categorization of Federal Information and 

Information Systems; FIPS Publication 200, 

Minimum Security Requirements for Federal 

Information and Information Systems. 

17NIST Special Publication 800–53 (Rev. 4), 

Security and Privacy Controls for Federal 

Information Systems and Organizations. 

18The results of these audits are reported both 

internally and externally to ensure completion of all 

remedial findings. Credit Unions and their members 

can review OIG Audit Reports, Semiannual Reports 

and Letter to Congress at https://www.ncua.gov/ 

About/Pages/inspector-general/reports.aspx. 

19NCUA is modernizing our examination 

platform and analytics. The new data format will 

be used with these technological advancements. 

Until the current systems that use the existing 

download are retired, examiners will need the 

current download file as existing tools may not be 

able to accommodate a new download data format. 

structure and fields for different loan 

types,15 the characteristics of data 

presented in these files often differs 

from credit union to credit union and 

vendor to vendor. The unique formats 

can result in credit union resources to 

produce and explain their individual 

reports to examiners. This also creates 

examination inefficiencies for credit 

unions and examiners as the reports 

may not contain all information 

requested by the examiner and 

additional information requests may be 

made. Further, data limitations and 

inconsistency results in disparate 

evaluations of risk at different credit 

unions and across all FICUs. 

As part of the broader enterprise 

modernization effort, NCUA desires to 

improve loan and deposit portfolio 

analytics used during FICU 

examinations to provide for more 

consistent analysis of risk within and 

across institutions to mitigate losses to 

the NCUSIF. Data standardization is 

paramount to effectively use more 

robust analytic tools and will also 

benefit credit unions outside of the 

examination context, as credit unions 

have been known to use the download 

when two credit unions are merging to 

transfer records. It has also been used 

with some third party vendors for 

analytics, reporting, and data processing 

conversions. 

NCUA acknowledges there are 

challenges with a standard data format. 

Credit unions use dozens of data 

processing systems and third party 

vendors for originating, recording, and 

monitoring loans, deposits, and 

investments. Additionally, there are 

many variations and platforms, 

including credit union developed 

information technology systems, with 

varying data content and formats. 

Responses to the questions in this RFI 

will inform NCUA of the extent to 

which FICUs can provide data 

electronically in a standard format and 

identify data fields available for 

electronic collection. Additionally, 

NCUA welcomes suggested 

implementation strategies that reduce 

burden without compromising the 

agency’s ability to safeguard the 

NCUSIF. 

III. Information Security 

NCUA exercises great care in 

protecting sensitive and personally 

identifiable information. As a federal 

agency, NCUA must comply with 

mandatory security standards for federal 

information and information systems 16

and must meet these minimum 

information security requirements by 

using security and privacy controls 

recommended by the National Institute 

of Standards and Technology (NIST).17

In addition to NIST standards and 

guidelines, NCUA is subject to federal 

statutes such as the Federal Information 

Security Modernization Act (FISMA) of 

2014, the E-Government Act of 2002, the 

Privacy Act of 1974 and various OMB 

policies and guidance concerning 

federal information management, 

FISMA reporting, and privacy. 

NCUA uses administrative, technical, 

and physical controls, including but not 

limited to: Periodic review and 

authorization of information systems; 

proactive threat assessment and 

continuous monitoring; and annual 

general and role-based security training 

for employees and contractors. We also 

leverage independent tests and 

evaluations from other government 

agencies and third-party assessors. 

The Office of the Inspector General 

(OIG) conducts independent audits, 

investigations and other activities to 

verify NCUA’s compliance with 

applicable standards, laws and 

regulations related to privacy and 

information security and keeps the 

NCUA Board and U.S. Congress fully 

and currently informed of their work. 

The OIG conducts a FISMA and Federal 

Managers’ Financial Integrity Act 

(FMFIA) audit annually to ensure 

NCUA has effectively implemented all 

appropriate security and privacy 

controls.18

Request for Comment: NCUA is 

providing questions about major aspects 

of this electronic data modernization to 

target issues the public would like 

addressed by the effort. The questions 

are not intended to limit discussion. 

Indeed, responders may explore an 

issue relevant to this initiative. 

Responses containing references to 

studies, research, or data not widely 

available to the public should include 

copies of referenced materials. A 

description of the commenter’s 

organization and its interest in the 

electronic data will help NCUA use the 

input provided. 

a. Electronic Data Collection 

Modernization Questions 

1. To the extent an FICU offers the 

loan and deposit services and has the 

investment instruments identified in the 

section b, are there any example data 

fields listed in this RFI that cannot be 

reasonably provided electronically? 

What other data fields could be 

provided that NCUA should consider 

collecting electronically? 

2. For electronic data, what file 

formats (e.g., Microsoft Excel, CSV, etc.) 

are available? 

3. If a FICU cannot provide data 

electronically, to what extent is the 

limitation due to the IT systems (e.g., 

the field is not available in the IT 

system to be captured electronically)? 

To what extent is the limitation because 

a credit union is not electronically 

collecting the data now (e.g., loan 

underwriting information captured in 

the loan file, such as a calculated debt 

to income ratio, but is not stored in an 

IT system that can capture that data)? 

4. What is the number of vendors, 

systems, or service providers the FICU 

uses for loans (all types), deposits, and 

investments you currently can or would 

extract data for examination purposes? 

Specifically, how many are used for 

each category (e.g., loans, deposits, and 

investments)? 

5. To what extent does the FICU rely 

on a third party vendor to create and 

produce raw data downloads? Does the 

vendor provide the credit union with 

the flexibility to self-customize 

reporting for data attributes? 

6. What are the technological 

challenges NCUA should consider with 

a standardized data format (e.g., specific 

file names, format, etc.)? 

7. What additional initial and annual 

costs would you estimate a FICU could 

incur to generate and provide data 

electronically in a standard format (e.g., 

pass through costs from vendors, inhouse development resources, etc.)? 

8. Does the credit union or vendor 

have the ability to retain and create the 

current loan and share download data 

format (with no changes) as well as new 

download data formats? 19

9. Should NCUA eliminate the 

‘‘critical’’ and ‘‘optional’’ data 


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50450 Federal Register / Vol. 82, No. 209 / Tuesday, October 31, 2017 / Notices 

20These data formats include 9 member profile, 

18 deposit, 120 loan, and 12 investment unique 

data files. They include all data fields listed in 

Letter to Credit Unions 03–CU–05, except three data 

fields that would be overlapping with new data 

fields—Date of Last Activity, Last Activity Code, 

and Credit Limit at origination. 

21As of March 31, 2017, FICUs reported the 

following investments: Securities: 40.9% of all 

FICUs; Non-negotiable CDs: 83.7%. 

22Loan types include consumer, indirect, 

participations, residential real estate, student loans, 

and commercial/member business loans. As of 

March 31, 2017, FICUs reported the following loan 

services: Consumer: 100% of FICUs; Indirect: 

33.1%; Participation: 27.2%; Real estate: 75.6%; 

Non-guaranteed federal student Loans: 12.1%; 

Commercial/MBL: 37.9%. 

23 Identifies fields requested in NCUA Letter to 

Credit Unions 03–CU–05 (April 2003). Fields 

identified with an asterisk (*) are categorized as 

‘‘critical’’ fields by NCUA in Letter to Credit Unions 

03–CU–05. 

categorizations discussed in NCUA 

Letter to Credit Unions 03–CU–05? If 

yes, what approaches would you 

propose NCUA use to collect 

standardized data for better analytics 

and examination efficiencies? 

10. With the exception of the example 

data formats based on data type 

discussed in this RFI, what alternatives 

would you propose for NCUA to collect 

data in a standardized format that 

minimizes the credit union burden? 

11. What implementation strategies 

and timeline should NCUA consider 

with this modernization? For example, 

what is the anticipated timeframe for a 

FICU or vendor to provide the sample 

data fields and the associated format? 

How should NCUA ensure FICUs use 

the standard data format? 

12. What specific information security 

controls or assurances are expected from 

NCUA to reasonably safeguard the 

electronic loan, share, and investment 

data? 

Commenters are also encouraged to 

discuss any other relevant issues they 

believe NCUA should consider with 

respect to the electronic collection of 

loan, deposit, and investment data. 

b. Sample Loan, Deposit, and 

Investment Electronic Data Collection 

NCUA is requesting input and 

feedback on sample data fields and the 

associated format.20 The information in 

tables 2–9 is preliminary and is 

presented for discussion and input 

purposes only. For sample purposes 

only, NCUA is presenting one data 

format for all deposit types, one for 

investment data,21 and different data 

formats for loans based on the loan 

type.22 To the extent the FICU offers 

these loan and deposit services and has 

these investment instruments, NCUA is 

asking stakeholders to identify if FICUs 

can provide these and other data fields 

electronically in their response to the 

RFI. Similar to the download process 

today, credit unions would be permitted 

to submit multiple data files 

electronically for loans, deposits, and 

investments. 

TABLE 2—DEPOSIT ELECTRONIC FIELDS

Number Applies to Field Description Example Data 

format 

Current 

NCUA 

standard 

field 23

D1 ............ All Share Accounts Effective date of 

the download.

Effective date of the data .................... 03312017 .............. Date ....... No. 

D2 ............ All Share Accounts Record Code ........ Indicate D for Deposits, L for Loans, I 

for Investment.

D ........................... D/L/I ....... Yes .* 

D3 ............ All Share Accounts Taxpayer ID .......... Nine digit code used by the U.S. Government (TIN). For individuals use 

Social Security number.

123456789 ............ Number .. Yes .* 

D4 ............ All Share Accounts Member ID ............ Primary key identifier for the entity. 

This is the number used to uniquely 

identify the member/non-member 

such as an account number.

ABC123456 .......... Text ........ Yes .* 

D5 ............ All Share Accounts Member Name ...... Full legal name. Format: Last Name, 

Suffix (if applicable), First Name, 

Middle Initial for individuals. For 

business provide full legal name.

Long Sr., John, S Text ........ Yes .* 

D6 ............ All Share Accounts Address Line 1 ..... Street address ..................................... 7247 Circle Sun .... Text ........ Yes .* 

D7 ............ All Share Accounts Address Line 2 ..... Address line 2 ..................................... P.O. Box 858 ........ Text ........ Yes 

D8 ............ All Share Accounts City ....................... City where borrower resides. For business account, provide the city of the 

main or head office.

Fairfax ................... Text ........ Yes .* 

D9 ............ All Share Accounts State ..................... Post office state code where borrower 

resides. For business accounts, 

provide the state of the main or 

head office.

NM ........................ Text ........ Yes .* 

D10 .......... All Share Accounts Zip Code ............... Zip code where borrower resides. For 

business accounts, provide the zip 

code of the main or head office.

80521 .................... Number .. Yes .* 

D11 .......... All Share Accounts Insiders and Employees.If data supports, report ‘‘D’’ for directors, supervisory committee, and 

credit committee members, ‘‘O’’ for 

executive officers, and ‘‘E’’ for employees who are not executive officers. If the CEO is also the Board 

Treasurer, report as an executive 

officer—‘‘O’’. If the credit union or 

vendor data does not support this 

scheme, simply identify insider status with Y/N.

E ........................... Text ........ Yes. 


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24NCUA has not previously published a standard 

structure for investment data. This will facilitate 

robust analytics with a dynamic, quantitative thirdparty service platform for interest rate risk 

assessment of individual securities and portfolios 

without requiring the examiner to reformat data 

files or request additional data from the credit 

union. 

TABLE 2—DEPOSIT ELECTRONIC FIELDS—Continued 

Number Applies to Field Description Example Data 

format 

Current 

NCUA 

standard 

field 23

D12 .......... All Share Accounts Non-member ......... Indicator to identify non-member 

share accounts.

Y ........................... Y/N ......... No. 

D13 .......... All Share Accounts Share Balance ...... Current balance of the share account, 

signed with two decimal places.

156.45 ................... Number .. Yes .* 

D14 .......... All Share Accounts Share Type Code System code to identify certificates, 

regular, draft, IRA, money market 

and other share deposit accounts.

R ........................... Text ........ Yes .* 

D15 .......... All Share Accounts Dividend Rate ....... Current dividend rate for each share 

account.

2 ............................ Number .. Yes .* 

D16 .......... All Share Accounts Date of Last Activity.Date of last deposit or withdrawal ....... 03312017 .............. Date ....... Yes .* 

D17 .......... All Share Accounts Share Amount Frozen.Dollar amount of the account the 

member cannot access.

5000.00 ................. Number .. Yes .* 

D18 .......... All Share Accounts Last Activity Code Identifies the type of account activity 

that occurred last by code.

FM ........................ Text ........ Yes. 

D19 .......... All Share Accounts Accrued Dividend 

Interest.

Dollar amount of accrued dividends ... 25.36 ..................... Number .. Yes. 

D20 .......... All Share Accounts Last File Maintenance Date.Last date of any non-financial modification to the account (e.g., dividend rate, member address, etc.).03312017 .............. Date ....... Yes. 

D21 .......... All Share Accounts Last File Maintenance User ID 

or Initials.

Approving official or employee’s transaction code or initials.AH ......................... Text ........ Yes. 

D22 .......... All Share Accounts Date Negative 

Shares.

The date the share account first went 

negative without cure.

03312017 .............. Date ....... No. 

D23 .......... All Share Accounts Joint Owner .......... Provide the name of the joint owner’s 

full legal name. Format: Last Name, 

Suffix (if applicable), First Name, 

Middle Initial for individuals. For 

businesses, provide full legal name.

Long Sr., John, S Text ........ No. 

D24 .......... All Share Accounts Membership Type Provide the membership type using 

the following identifiers: Single ownership, Joint ownership, Trustee, or 

Business.

Business ............... Text ........ No. 

D25 .......... All Share Accounts Last Statement 

Date.

Date the member statement was last 

generated.

03312017 .............. Date ....... No. 

D26 .......... Share Certificate 

Accounts.

Step/Bump Dividend Rate.Indicator if the share certificate product has a term that allows the member to ‘‘step-up’’ or ‘‘bump-up’’ the 

dividend rate.

Y ........................... Y/N ......... No. 

D27 .......... Share Certificate 

Accounts.

Certificate Date 

Granted.

Date member opened the share certificate account.03312017 .............. Date ....... Yes .* 

D28 .......... Share Certificate 

Accounts.

Certificate Maturity 

Date.

Date the share certificate will mature 03312017 .............. Date ....... Yes .* 

D29 .......... Business Accounts Name of Beneficiaries.Full legal name of individuals who are 

beneficiaries on business accounts. 

Format: Last Name, Suffix (if applicable), First Name, Middle Initial.

Long Sr., John, S Text ........ No. 

TABLE 3—SECURITY AND NON-NEGOTIABLE CD INVESTMENT ELECTRONIC FIELDS 24

Number Field Description Example Data 

format 

Current 

NCUA 

standard 

field 

I1 ................ Download Cut-off date Effective date of the data .................................... 03312017 ...................... Date ....... No. 

I2 ................ Record Code ................ Report D for Deposits, L for Loans, I for Investment.L .................................... D/L/I ....... No. 

I3 ................ CUSIP Number ............. Committee on Uniform Securities Identification 

Procedures number. Security identifier.

23345abcd .................... Text ........ No. 


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25 Identifies fields requested in NCUA Letter to 

Credit Unions 03–CU–05 (April 2003). Fields 

identified with an asterisk (*) are categorized as 

‘‘critical’’ fields by NCUA in Letter to Credit Unions 

03–CU–05. 

26NCUA reviewed the Interagency Loan Data 

Request (ILDR) issued in March 2013. The ILDR 

provides a standard format for banks to 

electronically provide loan data. In comparison to 

the 82 data fields in the ILDR, the sample loan 

formats include 61 similar loan fields. https://

www.fdic.gov/news/news/financial/2013/fil

13012.html. 

TABLE 3—SECURITY AND NON-NEGOTIABLE CD INVESTMENT ELECTRONIC FIELDS 24—Continued 

Number Field Description Example Data 

format 

Current 

NCUA 

standard 

field 

I4 ................ Original Face Value ...... Original face value of the investment .................. 100,000 ......................... Number .. No. 

I5 ................ Current Face Value ...... Current face value of the investment .................. 100,000 ......................... Number .. No. 

I6 ................ Book Value ................... Current book value of the investment ................. 102,000 ......................... Number .. No. 

I7 ................ Fair Value ..................... Current fair value of the investments .................. 102,000 ......................... Number .. No. 

I8 ................ Maturity Date ................ Maturity date of investment ................................. 12312017 ...................... Date ....... No. 

I9 ................ Coupon/Rate ................ Stated coupon or rate of investment ................... 5 .................................... Number .. No. 

I10 .............. Floating Rate ................ Indicator if the investment has floating rate ........ Y ................................... Y/N ......... No. 

I11 .............. Issuer ............................ Name of issuer of the investment ....................... Wells Fargo Bank ......... Text ........ No. 

I12 .............. Settlement Date ............ Date funds are exchanged .................................. 10312015 ...................... Date ....... No. 

TABLE 4—CONSUMER AND CREDIT CARD LOAN ELECTRONIC FIELDS

Number Field Description Example Data 

format 

Current 

NCUA 

standard 

field 25

ILDR Field 26

C1 ............ Effective date of the 

download.

Effective date of the data ........................ 03312017 ................ Date ....... No ................ No. 

C2 ............ Record Code .......... Indicate D for Deposits, L for Loans, I for 

Investment.

L .............................. D/L/I ....... Yes* ............ No. 

C3 ............ Taxpayer ID ............ Nine digit code used by the US Government (TIN). For individuals use social 

security number.

123456789 .............. Number .. Yes* ............ Yes. 

C4 ............ Borrower ID ............ Primary key identifier for the entity. This 

is the number used to uniquely identify 

the member/non-member such as an 

account number.

ABC123456 ............ Text ........ Yes* ............ Yes. 

C5 ............ Member Name ........ Full legal name. Format: Last Name, 

Suffix (if applicable), First Name, Middle Initial for individuals. For business 

provide full legal name.

Long Sr., John, S ... Text ........ Yes* ............ Yes. 

C6 ............ Address Line 1 ....... Street address ......................................... 7247 Circle Sun ...... Text ........ Yes* ............. Yes. 

C7 ............ Address Line 2 ....... Address line 2 .......................................... PO Box 858 ............ Text ........ Yes .............. Yes. 

C8 ............ City .......................... City where borrower resides. For business accounts, provide the city of the 

main or head office.

Fairfax ..................... Text ........ Yes* ............ Yes. 

C9 ............ State ....................... Post office state code where borrower 

resides. For business accounts, provide the state of the main or head office.

NM .......................... Text ........ Yes* ............. Yes. 

C10 .......... Zip Code ................. Zip code where borrower resides. For 

business accounts, provide the zip 

code of the main or head office.

80521 ...................... Number .. Yes* ............ Yes. 

C11 .......... Insiders and Employees.If data supports, report ‘‘D’’ for directors, 

supervisory committee, and credit 

committee members, ‘‘O’’ for executive 

officers, and ‘‘E’’ for employees who 

are not executive officers. If the CEO 

is also the Board Treasurer, report as 

an executive officer—‘‘O’’. If the credit 

union or vendor data does not support 

this scheme, simply identify insider 

status with Y/N.

E ............................. Text ........ Yes .............. Yes. 

C12 .......... Business Type ........ Provide the member’s North American 

Industry Classification System (NAICS) 

code where majority of their revenue is 

generated from.

54194 ...................... Text ........ No ................ Yes. 

C13 .......... Branch ID ................ Identifies the originating service facility ... 01C ......................... Text ........ Yes .............. Yes. 

C14 .......... Loan ID ................... Unique identifier for each loan ................ A ............................. Text ........ No ............... Yes. 


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TABLE 4—CONSUMER AND CREDIT CARD LOAN ELECTRONIC FIELDS—Continued 

Number Field Description Example Data 

format 

Current 

NCUA 

standard 

field 25

ILDR Field 26

C15 .......... Loan Category ........ The type of loan. Provide ‘‘Commercial/ 

MBL’’, ‘‘Residential Real Estate’’, or 

‘‘Consumer’’.

Commercial ............. Text ........ No ................ No. 

C16 .......... Loan Type ............... The type of loan product as defined by 

the vendor or credit union (e.g. New or 

Used Auto, Credit Card Fixed, Credit 

Card Variable, etc.).

Capital LOC ............ Text ........ Yes* ............. Yes. 

C17 .......... Purpose Code ......... Description of what the proceeds will be 

used for; Reason for loan.

Auto purchase ........ Text ........ Yes* ............. Yes. 

C18 .......... Origination Date ...... The note date; date the loan was originated. Do not report the date of last 

advance.

03312017 ................ Date ....... Yes* ............. Yes. 

C19 .......... Original Loan 

Amount.

The original principal amount of the loan 1500.45 ................... Number .. Yes* ............ Yes. 

C20 .......... Payment Amount .... Amount of regularly scheduled payment 780.25 ..................... Number .. Yes* ............ Yes. 

C21 .......... Loan Term .............. The contractual number of payments required by the note or modification of 

the note.

60 ............................ Number .. Yes* ............ Yes. 

C22 .......... Payment Frequency The interval of time payments are contractually required (monthly, quarterly, 

annually, balloon/maturity, etc.).

M ............................. Text ........ Yes* ............. Yes. 

C23 .......... Balloon Flag ............ Indicator the loan is a balloon loan ......... Y ............................. Y/N ......... No ................ No. 

C24 .......... Balloon Term .......... Number of months from origination until 

balloon date.

84 ............................ Number .. No ................ No. 

C25 .......... Interest Only Flag ... Indicator the borrower pays only the interest on the principal balance for a 

set period of time, with the principal 

balance unchanged.

Y ............................. Y/N ......... No ................ No. 

C26 .......... Interest Only Term .. The length of time (in months) during 

which the borrower pays only interest 

on the principal balance.

12 ............................ Number .. No ................ No. 

C27 .......... First Payment Date Date the first payment was/is due ........... 03312017 ................ Date ....... No ................ No. 

C28 .......... Maturity Date .......... Date when full payment on the loan is 

contractually due. For balloon loans, 

this should be the same as the balloon 

expiration date.

03312017 ................ Date ....... No ................ Yes. 

C29 .......... Interest Rate ........... The contractual rate of interest currently 

applied to this loan at origination.

5.000 ....................... Number .. Yes* ............. Yes. 

C30 .......... Loan Type ............... The type of loan product as defined by 

the vendor or credit union (e.g. New or 

Used Auto, Credit Card Fixed, Credit 

Card Variable, etc.).

Capital LOC ............ Text ........ Yes .............. Yes. 

C31 .......... Current Interest 

Rate.

The contractual rate of interest currently 

applied to this loan.

5 .............................. Number .. No ................ Yes. 

C32 .......... First Rate Adjustment Date.Initial date the interest rate will/did adjust 

on variable rate loans.

03312017 ................ Date ....... No ............... No. 

C33 .......... Next Rate Adjustment Date.Future date interest rate will adjust on 

variable rate loans.

03312017 ................ Date ....... No ................ No. 

C34 .......... Lifetime Interest 

Rate Cap.

The maximum rate the loan can reach 

over its contractual term.

18.000 ..................... Number .. No ................ Yes. 

C35 .......... Interest Rate Floor .. The minimum rate the loan can reach 

over its contractual term.

4.000 ....................... Number .. No ................ No. 

C36 .......... Variable Rate Index Interest rate base index used when the 

loan’s rate varies with an index.

Prime ...................... Text ........ No ................ Yes. 

C37 .......... Variable Rate Margin.The margin added or subtracted from the 

index to get the rate.

2 .............................. Number .. No ................ No. 

C38 .......... Current Credit Limit The maximum a borrower can currently 

incur.

2500.00 ................... Number .. No ............... No. 

C39 .......... Date Closed ............ Date a line of credit was closed .............. 03312017 ................ Date ....... No ................ No. 

C40 .......... Credit Score at 

Origination.

Credit score of the primary borrower 

(e.g. FICO or Beacon) obtained from a 

credit bureau that was used in the underwriting of the credit. If two bureau 

scores were used, provide the highest 

score. If the credit union obtains all 

three bureau scores, provide the middle score.

825 .......................... Number .. Yes* ............ Yes. 

C41 .......... Original Credit 

Score Date.

Date of the primary borrower’s credit 

score at origination.

03312017 ................ Date ....... No ................ No. 


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TABLE 4—CONSUMER AND CREDIT CARD LOAN ELECTRONIC FIELDS—Continued 

Number Field Description Example Data 

format 

Current 

NCUA 

standard 

field 25

ILDR Field 26

C42 .......... Current Credit Score Most recent primary borrower credit 

score obtained by the credit union.

745 .......................... Number .. No ................ No. 

C43 .......... Current Credit Score 

Date.

Most recent date of updated credit score 

for the primary borrower.

03312017 ................ Date ....... No ............... No. 

C44 .......... Guarantor ................ Name of entity/person that guarantees 

the loan. With multiple guarantors, give 

the primary one.

Long Sr., John, S ... Text ........ No ................ Yes. 

C45 .......... Co-Maker/Co-Borrower/Guarantor.The name of the co-maker/co-borrower 

whose signature(s) appears on the 

promissory note or loan agreement. 

Provide the first one when there are 

multiple co-makers/co-borrowers.

Long Sr., John, S ... Text ........ No ................ Yes. 

C46 .......... Co-Maker/Co-Borrower Credit 

Score at Origination.

Credit score of the co-maker/co-borrower 

at the time of origination.

680 .......................... Number .. No ................ No. 

C47 .......... Current Credit Score 

Date of Co-Borrower.

Most recent date of updated credit score 

of the co-borrower/co-maker.

03312017 ................ Date ....... No ................ No. 

C48 .......... Original Credit 

Score Date of CoBorrower.

Credit score of the co-borrower/co-maker 

(e.g. FICO or Beacon) obtained from a 

credit bureau that was used in the underwriting of the credit. If two bureau 

scores were used, provide the highest 

score. If the credit union obtains all 

three bureau scores, provide the middle score.

800 .......................... ................ No ................ No. 

C49 .......... Loan Officer ............ Code or loan officer name responsible 

underwriting and/or borrower relationship.

BB ........................... Text ........ No ................ Yes. 

C50 .......... Loan Approver ........ Code or name of approving official. Indicate if approved by the Credit Committee or Board of Directors.AG ........................... Text ........ Yes .............. No. 

C51 .......... Loan Risk Grade .... Credit union internal risk rating at origination. The credit union’s internal loan 

risk grade (e.g., A, B, C, or D paper).

A ............................. Text ........ Yes .............. Yes. 

C52 .......... Collateral Protection 

Insurance.

Indicator loan has coverage for when insurance coverage lapses.Y ............................. Y/N ......... No ................ No. 

C53 .......... GAP Indicator ......... Indicator the member purchased gap insurance on the collateral.Y ............................. Y/N ......... No ................ No. 

C54 .......... Credit Life ............... Indicator loan has a life insurance policy 

designed to pay off the borrower’s 

debt if they die.

Y ............................. Y/N ......... No ................ No. 

C55 .......... Credit Disability ....... Indicator loan has disability insurance 

designed to pay the borrower’s debt if 

they become disabled.

N ............................. Y/N ......... No ................ No. 

C56 .......... Loan Collateral ....... The narrative description of the collateral 

(e.g., year, make and model; 38 unit 

apartment building, etc.).

1996 Ford Mustang Text ........ No ................ Yes. 

C57 .......... Collateral Code ....... The system code associated with the 

collateral type (e.g., residential real estate, etc.).

Residential real estate.Text ........ Yes* ............ Yes. 

C58 .......... Origination Collateral Value.Total value of collateral at loan origination.50000.00 ................. Number .. No ................ Yes. 

C59 .......... Collateral Valuation/ 

Appraisal Date 

(Origination).

Date collateral was appraised or valued 

at loan origination.

20170313 ................ Date ....... No ............... Yes. 

C60 .......... Current Collateral 

Value.

Dollar value of collateral when last assessed by the credit union.45150.65 ................. Number .. No ................ No. 

C61 .......... Most Recent Collateral Value/Appraisal Date.Date collateral was last appraised or valued.03312017 ................ Date ....... No ................ Yes. 

C62 .......... Lien Position ........... The credit union’s lien position on the 

collateral (e.g., 1st, 2nd, 3rd, etc.). If 

more than one collateral, identify the 

primary collateral’s lien position.

1 .............................. Number .. No ................ Yes. 

C63 .......... VIN Number ............ Vehicle Identification Number/unique 

identifier for collateral.

1GTV2TEH8EZ173

011.

Text ........ No ................ No. 


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TABLE 4—CONSUMER AND CREDIT CARD LOAN ELECTRONIC FIELDS—Continued 

Number Field Description Example Data 

format 

Current 

NCUA 

standard 

field 25

ILDR Field 26

C64 .......... Current Loan Balance.Current outstanding principal balance of 

the loan. If the member has overpaid 

the note and the credit union is carrying a credit balance, provide the 

number as a negative balance with a 

minus sign as the first character (e.g., 

¥33.56).

84500.01 ................. Number .. Yes* ............ Yes. 

C65 .......... Date of Last Payment.Date the last payment was made ............ 03312017 ................ Date ....... No ................ Yes. 

C66 .......... Number of Remaining Payments.The remaining contractual number of 

payments required by the loan.

24 ............................ Number .. Yes* ............ No. 

C67 .......... Next Payment Due 

Date.

The date the next payment, principal or 

interest, is due. For delinquent loans, 

this will be in the past.

03312017 ................ Date ....... Yes* ............ Yes. 

C68 .......... Accrued Interest ..... Total amount of interest accrued and not 

yet received on a loan.

180.32 ..................... Number .. Yes* ............ Yes. 

C69 .......... Late Charges .......... Late charges currently due and unpaid ... 95.06 ....................... Number .. No ................ Yes. 

C70 .......... Debt to Income 

Ratio.

Debt payments divided by gross or net 

income calculated at time of loan origination.

35.670 ..................... Number .. No ................ No. 

C71 .......... Days Past Due ....... Number of days the note is past due beyond the due date as of the effective 

date of the download. If loan is current 

or paid ahead, report as zero.

75 ............................ Number .. Yes* ............ Yes. 

C72 .......... Delinquency 

Counter 30–59 

Days.

Number of times past due 30–59 days 

since origination date.

2 .............................. Number .. Yes .............. Yes. 

C73 .......... Delinquency 

Counter 60–89 

Days.

Number of times past due 60–89 days 

since origination date.

4 .............................. Number .. Yes .............. Yes. 

C74 .......... Delinquency 

Counter 90–119 

Days.

Number of times past due 90–119 days 

or more since the origination date.

0 .............................. Number .. Yes .............. Yes. 

C75 .......... Delinquency 

Counter 120 Days 

+.

Number of times past due 120+ days or 

more since the origination date.

1 .............................. Number .. Yes .............. Yes. 

C76 .......... Last Renewal Date The date the loan was last renewed ....... 03312017 ................ Date ....... No ................ Yes. 

C77 .......... Loan Modification ... Indicator if the loan has been modified. A 

loan modification permanently restructures the terms of an existing loan. A 

loan modification is not a new loan, 

but a renegotiation of an existing loan.

Y ............................. Y/N ......... No ................ No. 

C78 .......... Date of Loan Modification.Date of last loan modification .................. 20170313 ................ Date ....... No ................ Yes. 

C79 .......... Capitalized Interest 

Amount.

Amount of interest added to the loan 

principal balance.

259.63 ..................... Number .. No ................ Yes. 

C80 .......... Amount of last advance.Dollar amount of the last advance .......... 55000.00 ................. Number .. No ............... No. 

C81 .......... Interest rate reset 

interval.

Time between periodic reset dates for 

variable or adjustable rate loans expressed in days..

30 ............................ Number .. No ................ Yes. 

C82 .......... Troubled Debt Restructure.Indicates if a loan is currently a troubled 

debt restructure as defined by GAAP.

Y ............................. Y/N ......... No ................ Yes. 

C83 .......... Nonaccrual .............. Indicate if the loan is currently on nonaccrual.N ............................. Y/N ......... No ................ Yes. 

C84 .......... Charge-Off Flag ...... Indicator if entire loan has been charged 

off.

Y ............................. Y/N ......... No ............... No. 

C85 .......... Charge Off Amount Amount of principal charged off this loan 5000.00 ................... Number .. Yes .............. Yes. 

C86 .......... Charge Off Date ..... Date the loan was charged off ................ 03312017 ................ Date ....... No ................ No. 

C87 .......... Last File Maintenance Date.Date of last file maintenance change on 

this loan.

03312017 ................ Date ....... Yes .............. No. 

C88 .......... Last File Maintenance User ID or 

Initials.

User ID of person who made last file 

maintenance change.

JB100 ...................... Text ........ Yes .............. No. 

C89 .......... Last File Maintenance action 

Code.

Description of what was last changed on 

the member loan (e.g., due date, 

name, loan status, etc.).

DD ........................... Text ........ No ................ No. 


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TABLE 4—CONSUMER AND CREDIT CARD LOAN ELECTRONIC FIELDS—Continued 

Number Field Description Example Data 

format 

Current 

NCUA 

standard 

field 25

ILDR Field 26

C90 .......... Interest Rate 

Spread.

Interest rate variance from the index rate 

changed on the note. Express in terms 

of a percentage. For example, the premium of a note written at Prime 

+2.25% would be expressed as 2.25.

2.25 ......................... Number .. No ................ Yes. 

TABLE 5—INDIRECT LOAN ELECTRONIC DATA FIELDS

Number Field Description Example Data 

format 

Current 

NCUA field ILDR field 

Includes all fields from Table 4: Consumer and Credit Card Loan Electronic Data Fields and the following: 

ID1 ........... Dealer Code ........... Name of sales agent for indirect auto 

loans.

Hanks Auto Sales ... Text ........ No ................ Yes. 

ID2 ........... Indirect Loan Flag ... Indicator if the loan was originated 

through an indirect loan program.

Y ............................. Y/N ......... No ............... No. 

ID3 ........... Dealer Reserve Balance.Current dealer reserve against the note 3,000 ....................... Number .. No ................ Yes. 

TABLE 6—PARTICIPATION LOAN ELECTRONIC DATA FIELDS

Number Field Description Example Data 

format 

Current 

NCUA field ILDR field 

Includes all fields from Table 4: Consumer and Credit Card Loan Electronic Data Fields and the following: 

P1 ............ Participation Sold 

(Original Amount).

The original amount of this note that was 

sold.

9,000,000 ................ Number .. No ................ Yes. 

P2 ............ Participation Sold 

(Current Balance).

The current balance of the amount sold 8,750,000 ................ Number .. No ................ Yes. 

P3 ............ Participation Purchases (Original 

Amount).

The original amount of this note that was 

purchased.

9,000,000 ................ Number .. No ................ No. 

P4 ............ Participation Purchases (Current 

Balance).

The current balance of the amount purchased.8,750,000 ................ Number .. No ................ No. 

P5 ............ Purchase percentage.Shows the percentage of the total participation loan owned by the credit union 

for individual loan purchases.

20.000 ..................... Number .. No ............... No. 

P6 ............ Originating/Lead 

Lender.

Shows the name of the originating/lead 

lender in the participation.

ABC FCU ................ Text ........ No ............... No. 

P7 ............ Sold Percentage ..... Identify the percentage of total participation loan the credit union sold.90.999 ..................... Number .. No ................ No. 

TABLE 7—RESIDENTIAL REAL ESTATE LOAN ELECTRONIC DATA FIELDS

Number Field Description Example Data 

format 

Current 

NCUA field ILDR field 

Includes all fields from Table 4: Consumer and Credit Card Loan Electronic Data Fields and the following: 

R1 ............ Property Type ......... Indicate the property type (e.g., Single, 

Multi, Condominium, etc.).

Condo ..................... Text ........ No ................ No. 

R2 ............ Collateral State ....... Post office state code where collateral 

property is located.

AZ ........................... Text ........ No ................ No. 

R3 ............ Collateral City ......... City where collateral property is located Phoenix ................... Text ........ No ................ No. 

R4 ............ Collateral County .... County where collateral property is located.Maricopa ................. Text ........ No ................ No. 

R5 ............ Collateral Zip Code Zip code where collateral property is located.85255 ...................... Number .. No ................ No. 

R6 ............ Property in Flood 

Zone.

Indicator if the collateral securing the 

loan is in a designated flood zone.

Y ............................. Y/N ......... No ............... No. 

R7 ............ Draw Period ............ Remaining period of time (in months) a 

borrower can withdraw funds from a 

credit account.

120 .......................... Number .. No ................ No. 


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TABLE 7—RESIDENTIAL REAL ESTATE LOAN ELECTRONIC DATA FIELDS—Continued 

Number Field Description Example Data 

format 

Current 

NCUA field ILDR field 

R8 ............ Current Escrow Balance.Amount currently in escrow for payment 

to third parties such as insurance and 

real estate taxes. In the case of a negative escrow balance, report the data 

in this field with a minus sign in the 

first character position (e.g., ¥350).

2,585 ....................... Number .. No ................ Yes. 

R9 ............ Number of Renewals.Indicate the number of times the loan 

has been renewed.

2 .............................. Number .. No ............... Yes. 

TABLE 8—COMMERCIAL/MEMBER BUSINESS LOAN ELECTRONIC DATA FIELDS

Number Field Description Example Data 

format 

Current 

NCUA field ILDR field 

Includes all fields from Table 4: Consumer and Credit Card Loan Electronic Data Fields and the following: 

CL1 .......... Current Loan Risk 

Grade Commercial/MBL.

Credit union internal risk rating at recent 

review/evaluation of commercial/MBL; 

Number or letter grade determined 

based on the level of risk.

1 .............................. Text ........ No ............... Yes. 

CL2 .......... Date of Current 

Loan Risk Grade 

Commercial/MBL.

Date the most recent internal risk rating 

at recent review/evaluation of commercial/MBLs.

03312017 ................ Date ....... No ............... Yes. 

CL3 .......... Debt Service Coverage Ratio 

(DSCR).

Debt service coverage ratio calculated 

for the loan at origination.

1.05 ......................... Number .. No ............... No. 

CL4 .......... Personal guaranty 

status.

Identify the level of personal guaranty of 

the principals (e.g., full, limited, or 

none).

Full .......................... Text ........ No ................ No. 

CL5 .......... Environmental Review Level at 

origination.

Identify the level of environmental review 

at origination (e.g., borrower questionnaire, record search, phase 1, or 

phase 2).

Phase 1 .................. Text ........ No ............... No. 

CL6 .......... Environmental Review Date.Date of environmental review at origination.03312017 ................ Date ....... No ................ No. 

CL7 .......... Last Periodic Review.Date of last periodic/annual file review ... 03312017 ................ Date ....... No ................ No. 

CL8 .......... Property Type ......... Indicate the property type (e.g., Single, 

Multi, Condominium, etc.).

Condo ..................... Text ........ No ............... No. 

CL9 .......... Collateral State ....... Post office state code where collateral 

property is located.

AZ ........................... Text ........ No ............... No. 

CL10 ........ Collateral City ......... City where collateral property is located Phoenix ................... Text ........ No ................ No. 

CL11 ........ Collateral County .... County where collateral property is located.Maricopa ................. Text ........ No ................ No. 

CL12 ........ Collateral Zip Code Zip code where collateral property is located.85255 ...................... Number .. No ................ No. 

CL13 ........ Property in Flood 

Zone.

Indicator if the collateral securing the 

loan is in a designated flood zone.

Y ............................. Y/N ......... No ................ No. 

CL14 ........ Draw Period ............ Remaining period of time (in months) a 

borrower can withdraw funds from a 

credit account.

120 .......................... Number .. No ................ No. 

CL15 ........ Current Escrow Balance.Amount currently in escrow for payment 

to third parties such as insurance and 

real estate taxes. In the case of a negative escrow balance, report the data 

in this field with a minus sign in the 

first character position (e.g., ¥350).

2,585 ....................... Number .. No ................ Yes. 

CL16 ........ Policy Exception ..... Indicator if the loan is an exception to 

policy.

Y ............................. Y/N ......... No ................ No. 

CL17 ........ Number of Renewals.Indicate the number of times the loan 

has been renewed.

2 .............................. Number .. No ................ Yes. 

CL18 ........ Specific Reserve ..... Amount of specific reserve for loan 

losses on this note which is not available to offset losses on any other loan.

50,000 ..................... Number .. No ................ Yes. 


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TABLE 9—STUDENT LOAN ELECTRONIC DATA FIELDS

Number Name Description Example Data 

format 

Current 

NCUA field ILDR field 

Includes all fields from Table 4: Consumer and Credit Card Loan Electronic Data Fields and the following: 

S1 ............ Time to Repayment For deferred loans: Amount of time, in 

months, until repayment period begins.

65 ............................ Number .. No ................ No. 

S2 ............ Deferred Status ...... Indicator if student loan is in deferred 

status.

Y ............................. Y/N ......... No ................ No. 

By the National Credit Union 

Administration Board on October 19, 2017. 

Gerard Poliquin, 

Secretary of the Board. 

[FR Doc. 2017–23219 Filed 10–30–17; 8:45 am] 

BILLING CODE 7535–01–P 

NATIONAL FOUNDATION ON THE 

ARTS AND THE HUMANITIES 

Proposed Collection; Comment 

Request; 30-Day Notice for Generic 

Clearance for the Collection of 

Qualitative Feedback on Agency 

Service Delivery 

AGENCY: National Endowment for the 

Arts. 

ACTION: Notice. 

SUMMARY: As part of a Federal 

Government-wide effort to streamline 

the process to seek feedback from the 

public on service delivery, The National 

Endowment for the Arts (NEA) has 

submitted a Generic Information 

Collection Request (Generic ICR): 

‘‘Generic Clearance for the Collection of 

Qualitative Feedback on Agency Service 

Delivery’’ to OMB for approval under 

the Paperwork Reduction Act (PRA). 

Copies of this ICR, with applicable 

supporting documentation, may be 

obtained by visiting www.Reginfo.gov. 

DATES: Comments should be sent to the 

Office of Information and Regulatory 

Affairs, Attn: OMB Desk Officer for the 

National Endowment for the Arts, Office 

of Management and Budget, Room 

10235, Washington, DC 20503, 202/395– 

7316, within 30 days from the date of 

this publication in the Federal Register. 

SUPPLEMENTARY INFORMATION: The 

proposed information collection activity 

provides a means to garner qualitative 

customer and stakeholder feedback in 

an efficient, timely manner, in 

accordance with the Administration’s 

commitment to improving service 

delivery. By qualitative feedback we 

mean information that provides useful 

insights on perceptions and opinions, 

but are not statistical surveys that yield 

quantitative results that can be 

generalized to the population of study. 

This feedback will provide insights into 

customer or stakeholder perceptions, 

experiences and expectations, provide 

an early warning of issues with service, 

or focus attention on areas where 

communication, training or changes in 

operations might improve delivery of 

products or services. These collections 

will allow for ongoing, collaborative and 

actionable communications between the 

Agency and its customers and 

stakeholders. It will also allow feedback 

to contribute directly to the 

improvement of program management. 

The solicitation of feedback will target 

areas such as: Timeliness, 

appropriateness, accuracy of 

information, courtesy, efficiency of 

service delivery, and resolution of 

issues with service delivery. Responses 

will be assessed to plan and inform 

efforts to improve or maintain the 

quality of service offered to the public. 

If this information is not collected, vital 

feedback from customers and 

stakeholders on the Agency’s services 

will be unavailable. 

The Agency will only submit a 

collection for approval under this 

generic clearance if it meets the 

following conditions: 

• The collections are voluntary; 

• The collections are low-burden for 

respondents (based on considerations of 

total burden hours, total number of 

respondents, or burden-hours per 

respondent) and are low-cost for both 

the respondents and the Federal 

Government; 

• The collections are noncontroversial and do not raise issues of 

concern to other Federal agencies; 

• Any collection is targeted to the 

solicitation of opinions from 

respondents who have experience with 

the program or may have experience 

with the program in the near future; 

• Personally identifiable information 

(PII) is collected only to the extent 

necessary and is not retained; 

• Information gathered is used only 

internally for general service 

improvement and program management 

purposes and is not intended for release 

outside of the agency; 

• Information gathered is not used for 

the purpose of substantially informing 

influential policy decisions; and 

• Information gathered yields 

qualitative information; the collections 

are not designed or expected to yield 

statistically reliable results or used as 

though the results are generalizable to 

the population of study. 

Feedback collected under this generic 

clearance provides useful information, 

but it does not yield data that can be 

generalized to the overall population. 

This type of generic clearance for 

qualitative information will not be used 

for quantitative information collections 

that are designed to yield reliably 

actionable results, such as monitoring 

trends over time or documenting 

program performance. Such data uses 

require more rigorous designs that 

address: The target population to which 

generalizations will be made, the 

sampling frame, the sample design 

(including stratification and clustering), 

the precision requirements or power 

calculations that justify the proposed 

sample size, the expected response rate, 

methods for assessing potential nonresponse bias, the protocols for data 

collection, and any testing procedures 

that were or will be undertaken prior to 

fielding the study. Depending on the 

degree of influence the results are likely 

to have, such collections may still be 

eligible for submission for other generic 

mechanisms that are designed to yield 

quantitative results. 

As a general matter, information 

collections will not result in any new 

system of records containing privacy 

information and will not ask questions 

of a sensitive nature, such as sexual 

behavior and attitudes, religious beliefs, 

and other matters that are commonly 

considered private. 

Title of Collection: Generic Clearance 

for the Collection of Qualitative 

Feedback on Agency Service Delivery. 

OMB Control Number: 3135–0130. 

Type of Review: Extension of approval 

for a collection of information. 

Affected Public: Individuals and 

Households, Businesses and 

Organizations, State, Local or Tribal 

Government. 


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