Developer Resources
Details
| SoapAction | http://jackhenry.com/ws/AcctInq |
| Input Name | AcctInq |
| Output Name | AcctInqResponse |
| Input Namespace | http://jackhenry.com/jxchange/TPG/2008 |
| Group Name | Inquiry |
| Container | TPG_InquiryMaster.xsd |
Operation Summary
Detailed information about the operation of this API may be found here.
XML Examples
AcctInq Deposit Request
<?xml version="1.0" encoding="UTF-8"?>
<SOAP-ENV:Envelope
xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/"
xmlns:xsd="http://www.w3.org/2001/XMLSchema"
xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<SOAP-ENV:Header>
</SOAP-ENV:Header>
<SOAP-ENV:Body>
<AcctInq
xmlns="http://jackhenry.com/jxchange/TPG/2008">
<MsgRqHdr>
<jXchangeHdr>
<JxVer/>
<AuditUsrId>{}</AuditUsrId>
<AuditWsId>{}</AuditWsId>
<AuthenUsrId/>
<ConsumerName/>
<ConsumerProd/>
<Ver_1/>
<jXLogTrackingId>{}</jXLogTrackingId>
<Ver_2/>
<InstRtId>011001276</InstRtId>
<InstEnv>TEST</InstEnv>
<Ver_3/>
<BusCorrelId/>
<Ver_4/>
<WorkflowCorrelId/>
<Ver_5/>
<ValidConsmName>{VALIDCONSMNAME}</ValidConsmName>
<ValidConsmProd>{VALIDCONSMPROD}</ValidConsmProd>
<Ver_6/>
</jXchangeHdr>
<Ver_1/>
<Ver_2/>
<Ver_3/>
</MsgRqHdr>
<InAcctId Rstr="">
<AcctId>8318033</AcctId>
<AcctType>D</AcctType>
<Ver_1/>
</InAcctId>
<IncXtendElemArray>
<IncXtendElemInfo>
<XtendElem>x_AcctBenf</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_ACHPmtInfo_CType</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepAcctInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepBalDtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepInfoRec</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepNSFODInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepRateIntInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepRegRptInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepStmtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepTaxInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_IdVerify</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
</IncXtendElemArray>
<SvcPrvdInfo/>
<Custom/>
<Ver_1/>
<AvlBalCalcCode/>
<Ver_2/>
<ActIntent/>
<Ver_3/>
</AcctInq>
</SOAP-ENV:Body>
</SOAP-ENV:Envelope>
AcctInq Loan Request
<?xml version="1.0" encoding="UTF-8"?>
<SOAP-ENV:Envelope xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/"
xmlns:xsd="http://www.w3.org/2001/XMLSchema"
xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<SOAP-ENV:Header>
</SOAP-ENV:Header>
<SOAP-ENV:Body>
<AcctInq xmlns="http://jackhenry.com/jxchange/TPG/2008">
<MsgRqHdr>
<jXchangeHdr>
<JxVer></JxVer>
<AuditUsrId></AuditUsrId>
<AuditWsId></AuditWsId>
<AuthenUsrId></AuthenUsrId>
<ConsumerName></ConsumerName>
<ConsumerProd></ConsumerProd>
<Ver_1/>
<jXLogTrackingId>{Insert}</jXLogTrackingId>
<Ver_2/>
<InstRtId>011001276</InstRtId>
<InstEnv>TEST</InstEnv>
<Ver_3/>
<BusCorrelId></BusCorrelId>
<Ver_4/>
<WorkflowCorrelId></WorkflowCorrelId>
<Ver_5/>
<ValidConsmName>{Insert}</ValidConsmName>
<ValidConsmProd>{Insert}</ValidConsmProd>
<Ver_6/>
</jXchangeHdr>
<Ver_1/>
<Ver_2/>
<Ver_3/>
</MsgRqHdr>
<InAcctId>
<AcctId>78802</AcctId>
<AcctType>L</AcctType>
<Ver_1/>
</InAcctId>
<IncXtendElemArray>
<IncXtendElemInfo>
<XtendElem>x_ACHPmtInfo_CType</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_IdVerify</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnAcctInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnBalDtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnDlrInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnInfoRec</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnMtgInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnPastDueInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnPmtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnProtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnRateInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnRealEstateInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnRegRptInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnRenExtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_LnStopInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
</IncXtendElemArray>
<SvcPrvdInfo/>
<Custom/>
<Ver_1/>
<AvlBalCalcCode/>
<Ver_2/>
<ActIntent/>
<Ver_3/>
</AcctInq>
</SOAP-ENV:Body>
</SOAP-ENV:Envelope>
AcctInq Loan Response
<s:Envelope
xmlns:s="http://schemas.xmlsoap.org/soap/envelope/"
xmlns:u="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-utility-1.0.xsd">
<s:Header>
<o:Security s:mustUnderstand="1"
xmlns:o="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd">
<u:Timestamp u:Id="_0">
<u:Created>2021-10-01T18:48:20.796Z</u:Created>
<u:Expires>2021-10-01T18:53:20.796Z</u:Expires>
</u:Timestamp>
</o:Security>
</s:Header>
<s:Body>
<AcctInqResponse
xmlns="http://jackhenry.com/jxchange/TPG/2008"
xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<MsgRsHdr>
<jXchangeHdr>
<JxVer>R2017.4</JxVer>
<AuditUsrId>PA</AuditUsrId>
<AuditWsId>IDG</AuditWsId>
<AuthenUsrId></AuthenUsrId>
<ConsumerName></ConsumerName>
<ConsumerProd></ConsumerProd>
<Ver_1></Ver_1>
<jXLogTrackingId>122222222</jXLogTrackingId>
<Ver_2></Ver_2>
<InstRtId>011001276</InstRtId>
<InstEnv>TEST</InstEnv>
<Ver_3></Ver_3>
<BusCorrelId>bd337a12-9a47-439b-8db3-f210770bcfe3</BusCorrelId>
<Ver_4></Ver_4>
<WorkflowCorrelId></WorkflowCorrelId>
<Ver_5></Ver_5>
<ValidConsmName></ValidConsmName>
<ValidConsmProd></ValidConsmProd>
</jXchangeHdr>
<Ver_1></Ver_1>
</MsgRsHdr>
<LnAcctInqRec>
<x_LnInfoRec>
<LnInfoRec>
<UnusedCrAccr>.00000</UnusedCrAccr>
<UEInsurAccr>.00000</UEInsurAccr>
<Term>
<TermCnt>60</TermCnt>
<TermUnits>Months</TermUnits>
<Ver_1></Ver_1>
</Term>
<RemPmtCnt>60</RemPmtCnt>
<PmtTermUnits>Months</PmtTermUnits>
<PmtTerm>1</PmtTerm>
<PmtDayOfMonth>30</PmtDayOfMonth>
<PmtCode>0</PmtCode>
<PmtAmtDue>.00</PmtAmtDue>
<PmtAmt>405.69</PmtAmt>
<PIAmt>405.69</PIAmt>
<PastDueAmt>.00</PastDueAmt>
<PartPmtAmt>.00</PartPmtAmt>
<OrigBal>20000.00</OrigBal>
<OpenDt>2021-09-30</OpenDt>
<OffCode>JMJTST</OffCode>
<NxtSchedPmtDt>2021-10-30</NxtSchedPmtDt>
<NxtPayDt>2021-10-30</NxtPayDt>
<MatDt>2026-09-30</MatDt>
<LateChgAmt>.00</LateChgAmt>
<IntRate>.08000000</IntRate>
<IntBasis>0</IntBasis>
<CrLifeInsurAccr>.00000</CrLifeInsurAccr>
<BrCode>1</BrCode>
<ProdCode>10</ProdCode>
<AvailCr>.00</AvailCr>
<AHInsurAccr>.00000</AHInsurAccr>
<AcctStat>4</AcctStat>
<AccrBal>.00</AccrBal>
<Ver_1></Ver_1>
<CustId>R000027</CustId>
<SalesPerson>KALAIMANI</SalesPerson>
<Ver_2></Ver_2>
<OddDaysIntBasis>B</OddDaysIntBasis>
<Ver_3></Ver_3>
<Ver_4></Ver_4>
<Ver_5></Ver_5>
<Ver_6></Ver_6>
<Ver_7></Ver_7>
<Ver_8></Ver_8>
</LnInfoRec>
<LoanAcctId>
<AcctId>78802</AcctId>
<AcctType>L</AcctType>
<Ver_1></Ver_1>
</LoanAcctId>
<PersonName>
<ComName>Susan Leigh Robbins</ComName>
<Ver_1></Ver_1>
</PersonName>
<OffDesc>JUDY JENKINS</OffDesc>
<NxtPayOffAmt>.00</NxtPayOffAmt>
<PmtCodeDesc>Int. included</PmtCodeDesc>
<IntBasisDesc>365/365</IntBasisDesc>
<DailyAccrAmt>.00000</DailyAccrAmt>
<CurPayOff>.00</CurPayOff>
<CurBal>.00</CurBal>
<BrDesc>Monett Office</BrDesc>
<Addr>
<FreeFormAddrArray>
<AddrLineInfo>
<AddrLine>Susan Leigh Robbins</AddrLine>
<Ver_1></Ver_1>
</AddrLineInfo>
<AddrLineInfo>
<AddrLine>****************************************</AddrLine>
<Ver_1></Ver_1>
</AddrLineInfo>
<AddrLineInfo>
<AddrLine>HOLD IT - TEST</AddrLine>
<Ver_1></Ver_1>
</AddrLineInfo>
<AddrLineInfo>
<AddrLine>****************************************</AddrLine>
<Ver_1></Ver_1>
</AddrLineInfo>
</FreeFormAddrArray>
<StreetAddr1>1037 MILL STREET</StreetAddr1>
<City>MONETT</City>
<StateProv>Missouri</StateProv>
<StateCode>MO</StateCode>
<PostalCode>657080000</PostalCode>
<County>0</County>
<Cntry>United States</Cntry>
<CntryType>USA</CntryType>
<FornAddr>N</FornAddr>
<InvAddr>N</InvAddr>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
</Addr>
<AcctStatDesc>New Loan</AcctStatDesc>
<AccrInt>.00000</AccrInt>
<ProdDesc>Installment Loan</ProdDesc>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
<SalesPersonDesc>Name used for vendor testing</SalesPersonDesc>
<Ver_4></Ver_4>
<Ver_5></Ver_5>
<Ver_6></Ver_6>
</x_LnInfoRec>
<x_LnAcctInfo>
<LnAcctInfo>
<UserDefInfoArray>
<UserDefInfo>
<UserDefTxt>User code #1</UserDefTxt>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>User code #2</UserDefTxt>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Beacon Score</UserDefTxt>
<UserDefCode>123</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Right to Cure</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Special Pricing Loan</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>4/13 Loan Promotion</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Final Phase</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Exception</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Cross Collateralized</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Reg - Z</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Spec Home</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Model Home</UserDefTxt>
<UserDefCode>Y</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Rental Property</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Investment Property</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Canadian</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>Referral</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>American Dream W/PMI</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>1st Time Homebuyer</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
<UserDefInfo>
<UserDefTxt>FHLBSIC</UserDefTxt>
<UserDefCode>N</UserDefCode>
<Ver_1></Ver_1>
</UserDefInfo>
</UserDefInfoArray>
<TitleNeeded>false</TitleNeeded>
<SubPrimeLnCode>N</SubPrimeLnCode>
<State>MO</State>
<RstrAdvaOvrLmt>false</RstrAdvaOvrLmt>
<RstrAdva>NA</RstrAdva>
<RewriteToLnAcctId>0</RewriteToLnAcctId>
<RestructuredDr>false</RestructuredDr>
<RelAcctId>0</RelAcctId>
<PurpCode>2</PurpCode>
<PtPaid>.00</PtPaid>
<PrtRcpt>false</PrtRcpt>
<PrtPastDueNotCode>Y</PrtPastDueNotCode>
<PrtCouponBook>true</PrtCouponBook>
<PrtBilNotCode>Y</PrtBilNotCode>
<PrevStat>0</PrevStat>
<PayoffPend>false</PayoffPend>
<OrigPartPct>.0000000000000000</OrigPartPct>
<OrigLnToValRatio>1.0000</OrigLnToValRatio>
<LateChgCode>1</LateChgCode>
<IncCombStmt>false</IncCombStmt>
<HighRiskCust>false</HighRiskCust>
<ForcedPlaceInsur>N</ForcedPlaceInsur>
<ExclAutoNonAccr>false</ExclAutoNonAccr>
<DeptCode>I</DeptCode>
<CurLnToValRatio>.0000</CurLnToValRatio>
<CrRatingCode>1</CrRatingCode>
<CouponBookTerm>60</CouponBookTerm>
<CollatCode>500</CollatCode>
<ClsOnZeroBal>true</ClsOnZeroBal>
<CalcPartPct>.0000000000000000</CalcPartPct>
<AnnIncmAmt>.00</AnnIncmAmt>
<AcctClsfCode>I</AcctClsfCode>
<HldAcctId>0</HldAcctId>
<Ver_1></Ver_1>
<BorwInfoArray>
<BorwInfo>
<BorwInfoTxt>Borrower</BorwInfoTxt>
<BorwRaceCode>0</BorwRaceCode>
<BorwRaceDesc>Unknown</BorwRaceDesc>
<BorwEthnicCode>0</BorwEthnicCode>
<BorwEthnicDesc>Unknown</BorwEthnicDesc>
<BorwFICOId>0</BorwFICOId>
<BorwIncmAmt>.00</BorwIncmAmt>
<BorwSelfEmpl>false</BorwSelfEmpl>
<BorwGender>0</BorwGender>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
<AddlBorwRaceArray>
<BorwRaceInfo>
<BorwRaceType>2</BorwRaceType>
<BorwRaceCode>0</BorwRaceCode>
<Ver_1></Ver_1>
<BorwRaceDesc>Unknown</BorwRaceDesc>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</BorwRaceInfo>
</AddlBorwRaceArray>
<Ver_3></Ver_3>
</BorwInfo>
<BorwInfo>
<BorwInfoTxt>Co Borrower</BorwInfoTxt>
<BorwRaceCode>0</BorwRaceCode>
<BorwRaceDesc>Unknown</BorwRaceDesc>
<BorwEthnicCode>0</BorwEthnicCode>
<BorwEthnicDesc>Unknown</BorwEthnicDesc>
<BorwFICOId>0</BorwFICOId>
<BorwIncmAmt>.00</BorwIncmAmt>
<BorwGender>0</BorwGender>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
<AddlBorwRaceArray>
<BorwRaceInfo>
<BorwRaceType>2</BorwRaceType>
<BorwRaceCode>0</BorwRaceCode>
<Ver_1></Ver_1>
<BorwRaceDesc>Unknown</BorwRaceDesc>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</BorwRaceInfo>
</AddlBorwRaceArray>
<Ver_3></Ver_3>
</BorwInfo>
</BorwInfoArray>
<LnClsInfoArray>
<LnClsInfo>
<LnClsInfoTxt>Closing Information 1</LnClsInfoTxt>
<ClsCost>0</ClsCost>
<ClsCostSrcCode>0</ClsCostSrcCode>
<DownPmtAmt>0</DownPmtAmt>
<DownPmtSrcCode>0</DownPmtSrcCode>
<SecdLnAmt>0</SecdLnAmt>
<SecdLnCode>0</SecdLnCode>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
</LnClsInfo>
<LnClsInfo>
<LnClsInfoTxt>Closing Information 2</LnClsInfoTxt>
<ClsCost>0</ClsCost>
<ClsCostSrcCode>0</ClsCostSrcCode>
<DownPmtAmt>0</DownPmtAmt>
<DownPmtSrcCode>0</DownPmtSrcCode>
<SecdLnAmt>0</SecdLnAmt>
<SecdLnCode>0</SecdLnCode>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
</LnClsInfo>
</LnClsInfoArray>
<LOCAcctId>0</LOCAcctId>
<CombLTV>.0000</CombLTV>
<CrScoreId>0</CrScoreId>
<TotDownPmtAmt>.00</TotDownPmtAmt>
<ExcLndPlcyCode>0</ExcLndPlcyCode>
<LnPmtToIncmPct>.0000</LnPmtToIncmPct>
<ATMCard>false</ATMCard>
<MoDebtAmt>0</MoDebtAmt>
<MinBilAmt>.00</MinBilAmt>
<MoIncmAmt>0</MoIncmAmt>
<NumBorw>1</NumBorw>
<PrtcpAcctId>0</PrtcpAcctId>
<TotDebtPct>.0000</TotDebtPct>
<TotOtherDebtAmt>.00</TotOtherDebtAmt>
<Ver_2></Ver_2>
<CrBureauRptCode>Y</CrBureauRptCode>
<PrePmtPenInfoRec>
<PrePmtPenRenTermUnits>NA</PrePmtPenRenTermUnits>
<Ver_1></Ver_1>
<CurtPenCode>0</CurtPenCode>
<CurtPenAffPrtcp>false</CurtPenAffPrtcp>
<RecoupPenAffPrtcp>false</RecoupPenAffPrtcp>
<RecoupPenAffPrtcpPct>.00000</RecoupPenAffPrtcpPct>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</PrePmtPenInfoRec>
<Ver_3></Ver_3>
<LangType>eng</LangType>
<Ver_4></Ver_4>
<BorwDebtIncmPct>.0000</BorwDebtIncmPct>
<CoBorwDebtIncmPct>.0000</CoBorwDebtIncmPct>
<BorwLiqAssetAmt>0</BorwLiqAssetAmt>
<StressRateCode>00</StressRateCode>
<Ver_5></Ver_5>
<Ver_6></Ver_6>
<CurApprLTVRatio>.0000</CurApprLTVRatio>
<Ver_7></Ver_7>
<Ver_8></Ver_8>
<Ver_9></Ver_9>
<Ver_10></Ver_10>
<Ver_11></Ver_11>
<TotDebtPctV2>.00000</TotDebtPctV2>
<Ver_12></Ver_12>
<LnPmtToIncmPctV2>.00000</LnPmtToIncmPctV2>
<Ver_13></Ver_13>
<Ver_14></Ver_14>
<Ver_15></Ver_15>
</LnAcctInfo>
<SubPrimeLnDesc>No</SubPrimeLnDesc>
<PurpDesc>Secured</PurpDesc>
<PrtPastDueNotDesc>Yes</PrtPastDueNotDesc>
<PrtBilNotDesc>Prior to each payment date</PrtBilNotDesc>
<PrevStatDesc>Active</PrevStatDesc>
<CrRatingDesc>Excellent at time of Credit Report</CrRatingDesc>
<CollatDesc>1st Lien Properties 1-4 Family Residential</CollatDesc>
<AcctClsfDesc>Individual</AcctClsfDesc>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
<CrBureauRptDesc>Yes</CrBureauRptDesc>
<Ver_3></Ver_3>
<Ver_4></Ver_4>
<Ver_5></Ver_5>
</x_LnAcctInfo>
<x_LnBalDtInfo>
<LnBalDtInfo>
<SoldBal>.00</SoldBal>
<PtPaidByOwner>false</PtPaidByOwner>
<OrigFeesYTD>.00</OrigFeesYTD>
<OrigFeesPYTD>.00</OrigFeesPYTD>
<OrigFeesLTD>.00</OrigFeesLTD>
<MinInt>.00</MinInt>
<IntResrvBal>.00</IntResrvBal>
<IntPaidYTD>.00</IntPaidYTD>
<IntPaidPYTD>.00</IntPaidPYTD>
<IntPaidLTD>.00</IntPaidLTD>
<IntPaidAtAssumYTD>.00</IntPaidAtAssumYTD>
<IntPaidAtAssumLastYr>.00</IntPaidAtAssumLastYr>
<ChgdOffAmt>.00</ChgdOffAmt>
<ReAmrtzThruDt>2024-03-31</ReAmrtzThruDt>
<OrigMatDt>2026-09-30</OrigMatDt>
<LnSetupDt>2021-10-01</LnSetupDt>
<FirstPmtDt>2021-10-30</FirstPmtDt>
<BalDueAtMat>true</BalDueAtMat>
<Ver_1></Ver_1>
<FundLmt>.00</FundLmt>
<NewLnFundAmt>.00</NewLnFundAmt>
<TotIntAmt>.00</TotIntAmt>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
<Ver_4></Ver_4>
<NetMemoPostAmt>.00</NetMemoPostAmt>
<Ver_5></Ver_5>
<PrincPaidYTD>.00</PrincPaidYTD>
<PrincPaidPYTD>.00</PrincPaidPYTD>
<FeePaidYTD>.00</FeePaidYTD>
<FeePaidPYTD>.00</FeePaidPYTD>
<Ver_6></Ver_6>
<Ver_7></Ver_7>
</LnBalDtInfo>
<Ver_1></Ver_1>
<EscrwCurBal>.00</EscrwCurBal>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
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<Ver_4></Ver_4>
<NetLnBal>.00</NetLnBal>
<Ver_5></Ver_5>
<NetCurBal>.00</NetCurBal>
<Ver_6></Ver_6>
</x_LnBalDtInfo>
<x_LnDlrInfo>
<LnDlrInfo>
<UpfrntPct>.00000000</UpfrntPct>
<RemResrvPct>.00000000</RemResrvPct>
<RemResrvEarn>.00</RemResrvEarn>
<RemResrvAmt>.00</RemResrvAmt>
<RebateToBankDlr>NA</RebateToBankDlr>
<PctRebateToChgoff>.00000000</PctRebateToChgoff>
<IntRebate>.00</IntRebate>
<FrftRebateOnPayoff>NA</FrftRebateOnPayoff>
<FrftRebateIfChgoff>N</FrftRebateIfChgoff>
<FrftRebateAfterChgoff>NA</FrftRebateAfterChgoff>
<FrftDiscAtPayoff>Rebate</FrftDiscAtPayoff>
<DlrUpfrntEarned>.00</DlrUpfrntEarned>
<DlrResrvAmt>.00</DlrResrvAmt>
<DlrRebate>.00</DlrRebate>
<DlrRate>.00000000</DlrRate>
<DlrLocId>0</DlrLocId>
<DlrId>0</DlrId>
<DlrEarnings>.00</DlrEarnings>
<DlrDisc>.00</DlrDisc>
<DlrCode>0</DlrCode>
<DlrAccr>.00000</DlrAccr>
<BankIncmFrft>.00</BankIncmFrft>
<BankDisc>.00</BankDisc>
<Ver_1></Ver_1>
<RecourseCode>N</RecourseCode>
<RecoursePct>.00000000</RecoursePct>
<RecourseTermUnit>NA</RecourseTermUnit>
<Ver_2></Ver_2>
</LnDlrInfo>
<Ver_1></Ver_1>
<RecourseDesc>Not Applicable</RecourseDesc>
<Ver_2></Ver_2>
</x_LnDlrInfo>
<x_LnPastDueInfo>
<LnPastDueInfo>
<Ver_1></Ver_1>
<PastDueArray>
<PastDueInfo>
<PastDueTermUnits>NA</PastDueTermUnits>
<Ver_1></Ver_1>
</PastDueInfo>
</PastDueArray>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</LnPastDueInfo>
<Ver_1></Ver_1>
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<LnPmtInfo>
<UsePmtSusp>false</UsePmtSusp>
<UnusedCrPerDiem>.00000</UnusedCrPerDiem>
<UnusedCrIntBase>0</UnusedCrIntBase>
<UnusedCrAccrRate>.00000000</UnusedCrAccrRate>
<UnpaidChgs>.00</UnpaidChgs>
<UEInsurPerDiem>.00000</UEInsurPerDiem>
<UEInsurAccrRate>.00000000</UEInsurAccrRate>
<UEInsurAccrBase>0</UEInsurAccrBase>
<SplitPmtAsBil>true</SplitPmtAsBil>
<SecdAccr>.00000</SecdAccr>
<RstrAutoPmt>true</RstrAutoPmt>
<ReAmrtzPmt>false</ReAmrtzPmt>
<PrevPmtAmt>.00</PrevPmtAmt>
<PrePmtPenYTD>.00</PrePmtPenYTD>
<PrePmtPenPYTD>.00</PrePmtPenPYTD>
<PrePmtPenLTD>.00</PrePmtPenLTD>
<PostShortPmts>true</PostShortPmts>
<PmtTotAmt>.00</PmtTotAmt>
<PmtSuspPostCode>B</PmtSuspPostCode>
<PmtReAmrtzDt>2024-03-31</PmtReAmrtzDt>
<PmtReAmrtzCap>.00000000</PmtReAmrtzCap>
<PctBalReAmrtz>.00000000</PctBalReAmrtz>
<OvrLineFeeAmt>.00</OvrLineFeeAmt>
<OvrLineFeeAddNxtBil>N</OvrLineFeeAddNxtBil>
<NSFFeeAmt>.00</NSFFeeAmt>
<NewPrinIntPmt>.00</NewPrinIntPmt>
<NewPmtAmt>.00</NewPmtAmt>
<NegAmrtzCapPct>0</NegAmrtzCapPct>
<MinChkTolr>0</MinChkTolr>
<MinChkAdva>0</MinChkAdva>
<LastPmtAmt>.00</LastPmtAmt>
<IgnrLateChgMulti>LateChg</IgnrLateChgMulti>
<DefrIntPaidTo>.00</DefrIntPaidTo>
<DefrInt>.00</DefrInt>
<CrLifeInsurPerDiem>.00000</CrLifeInsurPerDiem>
<CrLifeInsurAccrRate>.00000000</CrLifeInsurAccrRate>
<CrLifeInsurAccrBase>0</CrLifeInsurAccrBase>
<BilPrincAmt>.00</BilPrincAmt>
<BilOtherChgAmt>.00</BilOtherChgAmt>
<BilLeadDays>3</BilLeadDays>
<BilLateChgAmt>.00</BilLateChgAmt>
<BilIntAmt>.00</BilIntAmt>
<BilEsrcwAmt>.00</BilEsrcwAmt>
<BallPmtAmt>.00</BallPmtAmt>
<AmrtzPmtSusp>.00</AmrtzPmtSusp>
<AmrtzInt>.00</AmrtzInt>
<AHInsurPerDiem>.00000</AHInsurPerDiem>
<AHInsurAccrRate>.00000000</AHInsurAccrRate>
<AHInsurAccrBase>0</AHInsurAccrBase>
<Ver_1></Ver_1>
<PostPmtPastDueCode>Y</PostPmtPastDueCode>
<PostPmtPrePaidCode>Y</PostPmtPrePaidCode>
<FundPct>.0000000000000000</FundPct>
<FundSeqId>0</FundSeqId>
<PrePaidAmt>0</PrePaidAmt>
<PrePaidPct>0</PrePaidPct>
<PostPrincCurtCode>N</PostPrincCurtCode>
<PrtcpSeqId>0</PrtcpSeqId>
<YrPmtIncrPct>.00000000</YrPmtIncrPct>
<CrLifeCompCode>0</CrLifeCompCode>
<AHInsurCompCode>0</AHInsurCompCode>
<UEInsurCompCode>0</UEInsurCompCode>
<PrtcpPrincPmtPct>.0000000000000000</PrtcpPrincPmtPct>
<PrtcpIntPmtPct>.0000000000000000</PrtcpIntPmtPct>
<Ver_2></Ver_2>
<LnFeeArray>
<LnFeeInfoRec>
<LnFeeFreqUnits>NA</LnFeeFreqUnits>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
</LnFeeInfoRec>
</LnFeeArray>
<Ver_3></Ver_3>
<Ver_4></Ver_4>
<AnnDebtPmt>0</AnnDebtPmt>
<Ver_5></Ver_5>
<Ver_6></Ver_6>
<Ver_7></Ver_7>
<Ver_8></Ver_8>
<Ver_9></Ver_9>
<Ver_10></Ver_10>
</LnPmtInfo>
<PostSeq5Desc>Escrow</PostSeq5Desc>
<PostSeq4Desc>Other charge</PostSeq4Desc>
<PostSeq3Desc>Late charge</PostSeq3Desc>
<PostSeq2Desc>Principal</PostSeq2Desc>
<PostSeq1Desc>Interest</PostSeq1Desc>
<PmtSuspPostDesc>Both short and long</PmtSuspPostDesc>
<Ver_1></Ver_1>
<PostPmtPastDueDesc>Yes</PostPmtPastDueDesc>
<PostPmtPrePaidDesc>Yes</PostPmtPrePaidDesc>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
<AmtLastIntPd>.00</AmtLastIntPd>
<Ver_4></Ver_4>
</x_LnPmtInfo>
<x_LnProtInfo>
<LnProtInfo>
<StmtCycle>0</StmtCycle>
<ProtBalZero>false</ProtBalZero>
<PmtPct>.00000000</PmtPct>
<PmtDDANSFCode>N</PmtDDANSFCode>
<MinPmtAmt>.00</MinPmtAmt>
<MaxPmtAmt>.00</MaxPmtAmt>
<LOCTotAdvaAmt>.00</LOCTotAdvaAmt>
<LOCLowAmt>.00</LOCLowAmt>
<LOCLmt>.00</LOCLmt>
<LOCHighAmt>.00</LOCHighAmt>
<LOCAvg>.00</LOCAvg>
<LastStmtBal>.00</LastStmtBal>
<FrzPmtPastDue>true</FrzPmtPastDue>
<DrAcctId>0</DrAcctId>
<DDAMinBalAdv>0</DDAMinBalAdv>
<AdvaTot>.00</AdvaTot>
<Ver_1></Ver_1>
<LOCCycleAcctId>0</LOCCycleAcctId>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
<Ver_4></Ver_4>
<Ver_5></Ver_5>
<Ver_6></Ver_6>
<Ver_7></Ver_7>
</LnProtInfo>
<ProtAcctBal>.00</ProtAcctBal>
<PmtDDANSFDesc>No</PmtDDANSFDesc>
<DrAcctBalDesc>Non Auto</DrAcctBalDesc>
<DrAcctBal>.00</DrAcctBal>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
</x_LnProtInfo>
<x_LnRateInfo>
<LnRateInfo>
<UseRateCarryOvrs>false</UseRateCarryOvrs>
<RateVarCode>NA</RateVarCode>
<RateVar>.00000000</RateVar>
<RateRoundToPct>.00000000</RateRoundToPct>
<RateRevTermUnits>NA</RateRevTermUnits>
<RateFlr>.00000000</RateFlr>
<RateCeil>.00000000</RateCeil>
<RateCapUp>.00000000</RateCapUp>
<RateCapRevTermUnits>NA</RateCapRevTermUnits>
<RateCapDown>.00000000</RateCapDown>
<RateBegCapPeriod>.00000000</RateBegCapPeriod>
<RateBeforeDlq>.00000000</RateBeforeDlq>
<PrevIdxVal>.00000000</PrevIdxVal>
<PrevCarryOvr>.00000000</PrevCarryOvr>
<OrigRate>.00000000</OrigRate>
<OrigIdxVal>.00000000</OrigIdxVal>
<NewPrevRate>.00000000</NewPrevRate>
<NewIdxVal>.00000000</NewIdxVal>
<NewCarryOvr>.00000000</NewCarryOvr>
<MatRate>.00000000</MatRate>
<DlqRateMargin>.00000000</DlqRateMargin>
<DlqRate>.00000000</DlqRate>
<CurIdx>.00000000</CurIdx>
<CurCarryOvr>.00000000</CurCarryOvr>
<ConvVar>.00000000</ConvVar>
<ConvARMCode>N</ConvARMCode>
<Ver_1></Ver_1>
<RateSpread>.00</RateSpread>
<TeaserRateCode>N</TeaserRateCode>
<Ver_2></Ver_2>
<LnTierRateArray>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
<LnTierRateBal>0</LnTierRateBal>
<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
<LnTierRateBal>0</LnTierRateBal>
<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
<LnTierRateBal>0</LnTierRateBal>
<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
<LnTierRateBal>0</LnTierRateBal>
<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
<LnTierRateBal>0</LnTierRateBal>
<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
<LnTierRateBal>0</LnTierRateBal>
<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
<LnTierRateBal>0</LnTierRateBal>
<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
<LnTierRateBal>0</LnTierRateBal>
<Ver_1></Ver_1>
</LnTierRateInfoRec>
<LnTierRateInfoRec>
<LnTierRate>0</LnTierRate>
<LnTierRateBal>0</LnTierRateBal>
<Ver_1></Ver_1>
</LnTierRateInfoRec>
</LnTierRateArray>
<Ver_3></Ver_3>
<Ver_4></Ver_4>
<PenAnnPctRate>.00000000</PenAnnPctRate>
<PenRevTermUnits>NA</PenRevTermUnits>
<Ver_5></Ver_5>
<LnCapRate>.0000</LnCapRate>
<Ver_6></Ver_6>
<PrtRateChgNotCode>N</PrtRateChgNotCode>
<InitARMNotType>NotSent</InitARMNotType>
<Ver_7></Ver_7>
<Ver_8></Ver_8>
<NonBusDayRateRevType>Nxt</NonBusDayRateRevType>
<Ver_9></Ver_9>
<Ver_10></Ver_10>
<Ver_11></Ver_11>
<Ver_12></Ver_12>
</LnRateInfo>
<NewPrevRateDesc>Previous rate was</NewPrevRateDesc>
<NewPrevRateChgDtDesc>Rate changed on</NewPrevRateChgDtDesc>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</x_LnRateInfo>
<x_LnRealEstateInfo>
<LnRealEstateInfo>
<PropState>MO</PropState>
<PropCity>1</PropCity>
<FloodInsurCode>N</FloodInsurCode>
<ApprVal>20000</ApprVal>
<Ver_1></Ver_1>
<ConstLnCode>N</ConstLnCode>
<PropPurchaseAmt>0</PropPurchaseAmt>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
<AvgLeaseRate>.0000</AvgLeaseRate>
<CollatSrcValCode>00</CollatSrcValCode>
<CommPropSqFt>0</CommPropSqFt>
<NetOperIncm>0</NetOperIncm>
<PropListAmt>0</PropListAmt>
<PropRentSqFt>0</PropRentSqFt>
<PropSqFt>0</PropSqFt>
<PropVacRate>.0000</PropVacRate>
<RemNumUnit>0</RemNumUnit>
<RemUnitVal>0</RemUnitVal>
<Ver_4></Ver_4>
<Ver_5></Ver_5>
<TaxRptPropDescArray>
<TaxRptPropDescRec>
<PrioritySeq>1</PrioritySeq>
<Ver_1></Ver_1>
</TaxRptPropDescRec>
<TaxRptPropDescRec>
<PrioritySeq>2</PrioritySeq>
<Ver_1></Ver_1>
</TaxRptPropDescRec>
<TaxRptPropDescRec>
<PrioritySeq>3</PrioritySeq>
<Ver_1></Ver_1>
</TaxRptPropDescRec>
</TaxRptPropDescArray>
<Ver_6></Ver_6>
<Ver_7></Ver_7>
</LnRealEstateInfo>
<Ver_1></Ver_1>
<ProjectDesc>Unknown</ProjectDesc>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</x_LnRealEstateInfo>
<x_LnRenExtInfo>
<LnRenExtInfo>
<LastRenBal>.00</LastRenBal>
<ExtFeesYTD>.00</ExtFeesYTD>
<ExtFeesLTD>.00</ExtFeesLTD>
<Ver_1></Ver_1>
<ExtFeesMTD>.00</ExtFeesMTD>
<Ver_2></Ver_2>
</LnRenExtInfo>
<Ver_1></Ver_1>
</x_LnRenExtInfo>
<x_LnRegRptInfo>
<LnRegRptInfo>
<StdIndustCode>0</StdIndustCode>
<MltryApp>false</MltryApp>
<GroupCode>0</GroupCode>
<GLProdCode>0</GLProdCode>
<GLCostCtr>0</GLCostCtr>
<CRARec>
<CRAStateCode>0</CRAStateCode>
<CRACountyCode>0</CRACountyCode>
<CRACenTract>.00</CRACenTract>
<CRASMSACode>0</CRASMSACode>
<CRALoc>0</CRALoc>
<Ver_1></Ver_1>
<CRACode>0</CRACode>
<CRAAnnIncmAmt>0</CRAAnnIncmAmt>
<CRAOrigBal>0</CRAOrigBal>
<Ver_2></Ver_2>
</CRARec>
<Ver_1></Ver_1>
<ExclRealEstateRptCode>0</ExclRealEstateRptCode>
<SBAGuarPct>.00000000</SBAGuarPct>
<SrLienAmt>0</SrLienAmt>
<SrLienOrigAmt>.00</SrLienOrigAmt>
<RegRiskId>0</RegRiskId>
<SBABasisPts>.000</SBABasisPts>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
<RiskRateCalcAmt>.00</RiskRateCalcAmt>
<LnRiskRateArray>
<LnRiskRateInfoRec>
<RiskRateText>PRIMARY RISK RATING</RiskRateText>
<RiskRatePct>0</RiskRatePct>
<RiskRateAmt>.00</RiskRateAmt>
<Ver_1></Ver_1>
</LnRiskRateInfoRec>
<LnRiskRateInfoRec>
<RiskRateText>TYPE 1 RISK CODE</RiskRateText>
<RiskRatePct>0</RiskRatePct>
<RiskRateAmt>.00</RiskRateAmt>
<Ver_1></Ver_1>
</LnRiskRateInfoRec>
<LnRiskRateInfoRec>
<RiskRateText>TYPE 2 RISK CODE</RiskRateText>
<RiskRatePct>0</RiskRatePct>
<RiskRateAmt>.00</RiskRateAmt>
<Ver_1></Ver_1>
</LnRiskRateInfoRec>
<LnRiskRateInfoRec>
<RiskRateText>TYPE 3 RISK CODE</RiskRateText>
<RiskRatePct>0</RiskRatePct>
<RiskRateAmt>.00</RiskRateAmt>
<Ver_1></Ver_1>
</LnRiskRateInfoRec>
</LnRiskRateArray>
<Ver_4></Ver_4>
<Ver_5></Ver_5>
<LienPositCode>0</LienPositCode>
<Ver_6></Ver_6>
<MltryLnActType>false</MltryLnActType>
<Ver_7></Ver_7>
<Ver_8></Ver_8>
<Ver_9></Ver_9>
</LnRegRptInfo>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
<Ver_4></Ver_4>
<Ver_5></Ver_5>
</x_LnRegRptInfo>
<Ver_1></Ver_1>
<x_LnMtgInfo>
<LnMtgInfo>
<HousingInfoArray>
<HousingInfo>
<HousingInfoTxt>Housing Information 1</HousingInfoTxt>
<RentUtlAmt>.00</RentUtlAmt>
<UnitOwnerDesc>No</UnitOwnerDesc>
<Ver_1></Ver_1>
</HousingInfo>
<HousingInfo>
<HousingInfoTxt>Housing Information 2</HousingInfoTxt>
<RentUtlAmt>.00</RentUtlAmt>
<UnitOwnerDesc>No</UnitOwnerDesc>
<Ver_1></Ver_1>
</HousingInfo>
<HousingInfo>
<HousingInfoTxt>Housing Information 3</HousingInfoTxt>
<RentUtlAmt>.00</RentUtlAmt>
<UnitOwnerDesc>No</UnitOwnerDesc>
<Ver_1></Ver_1>
</HousingInfo>
<HousingInfo>
<HousingInfoTxt>Housing Information 4</HousingInfoTxt>
<RentUtlAmt>.00</RentUtlAmt>
<UnitOwnerDesc>No</UnitOwnerDesc>
<Ver_1></Ver_1>
</HousingInfo>
</HousingInfoArray>
<FirstHomePur>N</FirstHomePur>
<MHPriceToOrigPct>.00000</MHPriceToOrigPct>
<MoHouseAmt>0</MoHouseAmt>
<MtgInsurPct>.0000</MtgInsurPct>
<AvlSecdMktgCode>Y</AvlSecdMktgCode>
<FHLBSICInfoArray>
<FHLBSICInfo>
<FHLBSICTxt>Special feature code 1</FHLBSICTxt>
<Ver_1></Ver_1>
</FHLBSICInfo>
<FHLBSICInfo>
<FHLBSICTxt>Special feature code 2</FHLBSICTxt>
<Ver_1></Ver_1>
</FHLBSICInfo>
<FHLBSICInfo>
<FHLBSICTxt>Special feature code 3</FHLBSICTxt>
<Ver_1></Ver_1>
</FHLBSICInfo>
<FHLBSICInfo>
<FHLBSICTxt>Special feature code 4</FHLBSICTxt>
<Ver_1></Ver_1>
</FHLBSICInfo>
<FHLBSICInfo>
<FHLBSICTxt>Special feature code 5</FHLBSICTxt>
<Ver_1></Ver_1>
</FHLBSICInfo>
<FHLBSICInfo>
<FHLBSICTxt>Special feature code 6</FHLBSICTxt>
<Ver_1></Ver_1>
</FHLBSICInfo>
</FHLBSICInfoArray>
<SynAgentId>0</SynAgentId>
<SynMemberId>0</SynMemberId>
<Ver_1></Ver_1>
<LnOrignId>0</LnOrignId>
<LnOrignCompId>0</LnOrignCompId>
<Ver_2></Ver_2>
<HighPriceMtgRateVar>.00</HighPriceMtgRateVar>
<Ver_3></Ver_3>
</LnMtgInfo>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
</x_LnMtgInfo>
<x_LnStopInfo>
<LnStopInfo>
<LnStopInfoArray>
<LnStopFuncInfo>
<LnStopFuncCode>Adva</LnStopFuncCode>
<LnStopFuncDesc>Advances</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>Pmt</LnStopFuncCode>
<LnStopFuncDesc>Payments</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>TaxDistr</LnStopFuncCode>
<LnStopFuncDesc>Tax Disbursements</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>HazDistr</LnStopFuncCode>
<LnStopFuncDesc>Hazard Disbursements</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>OptInsurDistr</LnStopFuncCode>
<LnStopFuncDesc>Optional Ins Disbursements</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>LnSale</LnStopFuncCode>
<LnStopFuncDesc>Loan Sale</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>Not</LnStopFuncCode>
<LnStopFuncDesc>Notices</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>CrRpt</LnStopFuncCode>
<LnStopFuncDesc>Credit Reporting</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>PrePmt</LnStopFuncCode>
<LnStopFuncDesc>Prepayments</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>Accr</LnStopFuncCode>
<LnStopFuncDesc>Accrual</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>Corr</LnStopFuncCode>
<LnStopFuncDesc>Correspondence</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>IRSRpt</LnStopFuncCode>
<LnStopFuncDesc>IRS Reporting</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>Stmt</LnStopFuncCode>
<LnStopFuncDesc>Statements</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>BilNot</LnStopFuncCode>
<LnStopFuncDesc>Coupon/Bill Notice Generation</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>EscrwDistr</LnStopFuncCode>
<LnStopFuncDesc>All Escrow Disbursements</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>EscrwAnlys</LnStopFuncCode>
<LnStopFuncDesc>Escrow Analysis</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
<LnStopFuncInfo>
<LnStopFuncCode>PastDueRpt</LnStopFuncCode>
<LnStopFuncDesc>Past Due Reporting</LnStopFuncDesc>
<LnStopFuncStat>NoAction</LnStopFuncStat>
<Ver_1></Ver_1>
</LnStopFuncInfo>
</LnStopInfoArray>
<Ver_1></Ver_1>
</LnStopInfo>
<Ver_1></Ver_1>
</x_LnStopInfo>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</LnAcctInqRec>
<Ver_1></Ver_1>
<Ver_2></Ver_2>
<Ver_3></Ver_3>
</AcctInqResponse>
</s:Body>
</s:Envelope>
AcctInq TimeDeposit Request
<?xml version="1.0" encoding="UTF-8"?>
<SOAP-ENV:Envelope
xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/"
xmlns:xsd="http://www.w3.org/2001/XMLSchema"
xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<SOAP-ENV:Header>
</SOAP-ENV:Header>
<SOAP-ENV:Body>
<AcctInq
xmlns="http://jackhenry.com/jxchange/TPG/2008">
<MsgRqHdr>
<jXchangeHdr>
<JxVer/>
<AuditUsrId>{}</AuditUsrId>
<AuditWsId>{}</AuditWsId>
<AuthenUsrId/>
<ConsumerName/>
<ConsumerProd/>
<Ver_1/>
<jXLogTrackingId>{}</jXLogTrackingId>
<Ver_2/>
<InstRtId>011001276</InstRtId>
<InstEnv>TEST</InstEnv>
<Ver_3/>
<BusCorrelId/>
<Ver_4/>
<WorkflowCorrelId/>
<Ver_5/>
<ValidConsmName>{VALIDCONSMNAME}</ValidConsmName>
<ValidConsmProd>{VALIDCONSMPROD}</ValidConsmProd>
<Ver_6/>
</jXchangeHdr>
<Ver_1/>
<Ver_2/>
<Ver_3/>
</MsgRqHdr>
<InAcctId>
<AcctId>525</AcctId>
<AcctType>T</AcctType>
<Ver_1/>
</InAcctId>
<IncXtendElemArray>
<IncXtendElemInfo>
<XtendElem>x_AcctBenf</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_ACHPmtInfo_CType</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_IdVerify</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepAcctInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepBalDtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepInfoRec</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepRateIntInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepRegRptInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepRenInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepStmtInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_TimeDepTaxInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
</IncXtendElemArray>
<SvcPrvdInfo/>
<Custom/>
<Ver_1/>
<AvlBalCalcCode/>
<Ver_2/>
<ActIntent/>
<Ver_3/>
</AcctInq>
</SOAP-ENV:Body>
</SOAP-ENV:Envelope>
AcctInq FAQ
HSA Questions
Question: SilverLake and CIF 20/20 It is mentioned in the email that a HSA cannot be identified unless there is a specific ProdDesc that identifies it as an HSA. How would this designation be created? Is ProdDesc a user entered field or does it populate by a TranCode or ProdCode?
Answer: In AcctInq, ProdDesc is mapped to field DDPAR2/PSCDES for Savings accounts and CDPAR2/PDESC for CDs. PAR2 files are the parameter files for Service Charge Codes/CD Type Codes and can’t be manipulated thru jXchange. So they are pulled from the ProdCode that has been setup in core.
Question: SilverLake and CIF 20/20 Do we have HSA codes setup in SL and 2020? If so, what are they?
Answer: SilverLake - the code for both Deposits and CDs is HS.
Answer: CIF 20/20 - the code for Deposits is HS.
Question: SilverLake and CIF 20/20 It is mentioned that a TranCode or TranCodes would need to be tied to the HSA to allow for taxable contribution and distribution. Do such codes exist today? If so, how do we find out this information?
Answer: These codes are not available in jXchange when running ParmValSrch for TranCodeCode. They exist in core when inquiring on the tran code parameters. It’s tempting to go by the ParmValDesc in ParmValSrch but this description does not guarantee a transaction would be hitting the correct line on the IRS form. To access the codes, you’d have to have access to core menus. For SilverLake they are in TNPAR option 30. For CIF 20/20 they are in DDPAR option 1.
Question: SilverLake and CIF 20/20 It is also mentioned that there are limits on the types of contributions that can be made and could change. Am I correct that SL/2020 has no process in place to manage these limits and would have to be done on the TPV side?
Answer: JHA does not set the contribution limits, these are set by the Federal Government and could change from year to year. There is a parameter within the cores to set these limits, but there isn’t a jXchange service that would allow for these limits to be set/changed. During EOY updates, JH informs the FI what the limits need to be for the upcoming tax year, but again those limits would be setup in core.
Question: SilverLake and CIF 20/20 Additionally, it is mentioned that there are penalties for withdrawals. Am I correct that SL/2020 has no process in place to manage these limits and would have to be done on the TPV side?
Answer: For HSAs there are penalties for non-qualified distributions but those penalties would be imposed by the IRS during tax season and would be reflected on the customer’s 1099 form not via the core.
Core Director HSA Notes
- Core Director uses IRA accounts for HSAs with the understanding that, the penalty amount for withdrawal before retirement age (in case of debit support) isn’t something we handle automatically, we’d allow them to take the full balance of the IRA and it would get coded as a Normal Distribution.
- All transactions should be performed on the DDA account only and Core Director will interface with the IRA.
- There really isn’t a good way to identify the account as an HSA unless the bank has setup a ProdCode that has HSA in the name. Within the DMZ test bank there is an IRA HSA ProdCode setup on the DMZ test bank, it is “IRAHSA”. There is also a DDA HSA ProdCode setup on the DMZ test bank, it is “HSA”.
- The Core Director Team has created some test accounts. IRA AcctId 11297000001 links to DDA 12340001. IRA AcctId 711710001 links to DDA 12340002.
Overdraft Questions
Question: SilverLake and CIF 20/20 Does a non zero value in this field indicate that user can withdraw amount equal to what is present in the ODLimit above the available account balance?
Answer: Yes.
Question: SilverLake and CIF 20/20 Is there a flag which can help us identify that the user has opted in for the facility?
Answer: The flag is ODPrvlgOptVal. The mapping is DepAcctInqRec.x_DepInfoRec.DepInfoRec.ODPrvlgOptInfoArray.ODPrvlgOptInfoRec.ODPrvlgOptVal.
Question: SilverLake and CIF 20/20 We have reports of users getting an invalid opt-in-flag for ODPrvlgOptVal. What are the correct values?
Answer: Valid values for ODPrvlgOptVal are:
- Accept
- Decline
- Exmp
- Inelgb
- NoRs
- Revo (Only available via AcctMod API, cannot be used in AcctAdd API.
Question: SilverLake and CIF 20/20 We observed that we are able to debit amount in negative more than ODLimit, is this expected? Or does the ODLimit has some other meaning/unit (for eg: number of times user can go into negative balance etc).
Answer: That is expected, you can debit the account more than the amount associated with the OD Limit Code. During EOD processing that transaction would create an OD that would need to be worked by someone at the bank.
Question: Core Director Does a non zero value in this field indicate that user can withdraw amount equal to what is present in the ODLimit above the available account balance?
Answer: No. The ODPrvlgAmt contains the amount that they can dip into beyond their true memo balance. Based on the Vendor Record setting, this ODPrvlgAmt amount can be included in the AvlBal or can be excluded from the AvlBal that is returned via AcctInq, let us know which method they prefer and we can configure that in the DMZ for them.
Question: Core Director Is there a flag which can help us identify that the user has opted in for the facility?
Answer: If ODPrvlgAmt has value, that indicates they are setup for this OD protection. The ODPrvlgOptVal maps to field 486 in Core Director, see below: 486 - Reg E Opt-In (1 character) Field that is maintained by bank personnel to indicate the customer’s opt-in status at any given time. Values are:
- Accept - Y - Opted-In
- Decline - N - Not Opted-In
- NoRs - Blank - no response
- Revo - R – revoked Opt-In (may only be set if the value was previously a Y)
Question: Core Director We observed that we are able to debit amount in negative more than ODLimit, is this expected? Or does the ODLimit has some other meaning/unit (for eg: number of times user can go into negative balance etc).
Answer: There are configuration settings on the Vendor Record that can control this. The authorization is based on what is in AvlBal. AvlBal can be setup to either on Memo or Memo + Funds Avail from other sources (ODPrvlgAmt). The only way to go in excess of that would be if NSF validation where turned off -or- if NSF validation is enabled for override and they sent in an override for that NSF condition. Let us know what they would like to authorize off of Memo or Memo + ODPrvlgAmt and we can configure that in the DMZ for them. Similarly, there is a parameter in Core Director on the Vendor Record for “Transfer Auth Bal”. When set to Blank or “M” this indicates to authorize the transfer on Memo Balance or “A” to authorize on Memo Balance + Funds Available from Other Sources (field 285).
Available Balance Questions
Question: Our client has a question concerning the available balance that is returned through the jXchange interface using the account inquiry function. Apparently the available balance does not exclude the hold amount.
Are there available balance options that can be used to return the proper available balance?
Answer: Available Balances are calculated starting with the current balance of the account. If an available balance code AvlBalCalcCode is included in the AcctInq request, then Available Balance is calculated using the rules set by the code passed in. It’s what determines the additional calculations that should be considered when determining the available balance for an account.
For example:
| CODE | CALCULATION INCLUSIONS |
|---|---|
| 1 | Float, Holds, Overdraft Protection Limit, Overdraft Line, Sweeps |
| 2 | Holds, Overdraft Protection limit, accrued Interest |
Here is everything that affects Available Balance in SilverLake:
- Subtract float
- Subtract holds (The available balance is not calculated when the hold amount is all 9s. All 9s equates to hold all funds.)
- Add accrued interest
- Add unsused protection line
- Select no more than one of the following:
- Use sweep balances (include sweep parameters)
- Use sweep balances (do not include sweep parameters)
- Use sweep relationship balance
- Add overdraft limit
- Add bounce protection limit (This option is listed only when bounce protection is active in JHPAR option Bank and Branch Parameter Maintenance - Application Information - Option 1)
- Use Investment Balance
If AvlBalCalcCode is not included in the AcctInq request, then Available Balance is calculated from whatever default balance calculation is set up for the provider. If you are interested in knowing the calculations that were applied, they get returned as part of the “calculated” attribute, as seen here in this example:
<AvlBal calculated="CurBal HoldAmt Float ProtAmt ODLmt ODPrvlgAmt">1236881.12</AvlBal>
In this case, it starts with the current balance and is calculated from hold amounts, floats, etc.
Finally, if a bank is unable to provide you with an available balance code to use you can always look them up using the ParmValSrch service and passing in ParmName = AvlBalCalcCode.
Question: Will the LnAcctInqRec_CType request return the LastTrnActDt field in the response? If not, is there another way to get this date? Also, does this element always return a value, or does the FI need to enable it?
Answer:
- The LastTrnActDt element is defined in the XSD, but based on current core mappings, it is not implemented to return a value in the LnAcctInqRec_CType response. Just because it exists in the schema does not guarantee the core has developed support for it.
- The most up-to-date mappings are available on the Dev Rel site, and LastTrnActDt is not listed as a returned XML path.
- To retrieve transaction activity dates, you can use the AcctHistSrch operation, which returns transactions that impact the account balance.
General Questions
Question: Core Director We are using deposit account type (DDA), does it mean we should specify XtendElem=x_DepAcctInfo in the request which will return UserDefInfoArray?
Answer: There is a parameter in MNTFLD (field control maintenance) that controls which field(s) are returned in the UserDefInfoArray in JX/ODI. The “Return via JX Inquiry” parameter will need to be set to “Y” on the field(s) that need to be returned in the UserDefInfoArray. The field number will be returned in UserDefTxt, the field value will be returned in UserDefCode and the field description will be returned in UserDefDesc, for example:
<UserDefInfo>
<UserDefTxt>803</UserDefTxt>
<UserDefCode>N</UserDefCode>
<UserDefDesc>803. Small Business:</UserDefDesc>
<UserDefDt xsi:nil="true" />
<UserDefInfo1 xsi:nil="true" />
<UserDefInfo2 xsi:nil="true" />
<UserDefInfo3 xsi:nil="true" />
</UserDefInfo>
Question: Core Director What is usage of x_TrckAcctInfoRec?
Answer: x_TrckAcctInfoRec is not used by Core Director.
Question: We do not see an element for the future date in the request. Is there one?
Answer: The Loan Payoff amount is the net amount of the elements with the following business mathematics CurBal + AccrInt + SecdAccr + LateChgDueAmt + OthChgAmt + MinInt + PrePmtPenAmt + FeeAmt + IntRebate + DlrRebate + InsurAmt + EscrwAmt + PartPmtAmt + EscrwIntWithAmt. By performing AcctInq on an account and adding these elements, they should be able to come up with the loan payoff amount. As for a future payoff amount, We don’t know of a way to perform this action thru a business service available to TPV aside from calculating by hand all the above amounts based on the future date in question, which could be very tricky.
Question: When requesting information in AcctInq, why would the response be blank?
Answer: The reason you are not getting back any account info is because you are not including any Xtended element values. Since the entire response payload for AcctInq is quite large we only pass back information sections that a consumer is explicitly interested in. This is done by including the Xtended element values for sections you need. The values are shown in the response and are all prefixed by x_. For example, to retrieve primary account information you would pass in the x_DepInfoRec and x_DepAcctInfo structures.
<IncXtendElemInfo>
<XtendElem>x_DepAcctInfo</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
<IncXtendElemInfo>
<XtendElem>x_DepInfoRec</XtendElem>
<Ver_1/>
</IncXtendElemInfo>
Question: Where can I find the AcctStat codes?
Answer: They can be found on the following pages depending on what core you are working within.
Question: Core Director How can you tell if an account is included in account analysis?
Answer: The SerChgLvl that is returned will have an “X” or “Y” returned in the first byte of the data in that field if it is account analysis, for example SerChgLvl = X04
Question: How can I tell if an account has joint ownership or other relationships attached to it via the AcctInq operation?
Answer: Unfortunately, you cannot retrieve that level of information via the AcctInq operation. If you are wanting to know if an account has a joint ownership or similar you will need to call the AcctRelSrch operation along with the AcctInq operation.
Question: SilverLake Is there a field for a daily interest (Interest Per Diem)?
Answer: There isn’t a field for a daily interest, but it could be a calculated result from LnAcctInqRec.x_LnInfoRec.LnInfoRec.IntBasis & LnAcctInqRec.x_LnInfoRec.LnInfoRec.IntRate or Billed Principal LnAcctInqRec.x_LnPmtInfo.LnPmtInfo.BilPrincAmt.
Question: SilverLake How do we capture the maximum interest rate for a customer account?
Answer: DepAcctInqRec.x_DepRateIntInfo.DepRateIntInfo.VarIntRateInfo.RateCeil
Question: SilverLake What does the LastPmtAmt indicate if a loan has two payments on the same day?
Answer: If more than one payment is received, the LastPmtAmt field is the total of all payments received that day for the loan.
Question: SilverLake How do we fetch the number of remaining transactions available for a savings account in a month?
Answer: In AcctInq, element DepAcctInqRec.x_DepRegRptInfo.XferDrItemCnt is a count of the debits for an account during the current cycle. When an account gets cycled, depending on when their Service Charge Cycle is set, this field gets reset. Core file/field is DDMAST/DR6.
Question: SilverLake We want to determine if an account (or person) is enrolled in eStatements or not on the SilverLake core. We see that the AcctInq operation returns DepAcctInqRec.x_DepStmtInfo.DepStmtInfo.ElecStmtType that can have a value of “Email”. We are assuming this is how to determine if a deposit account is enrolled in eStatements. Is that correct? If so, how do we do the same for a Loan or Time Deposit account as we do not see a similar field?
Answer: That is the correct, ElecStmtType is the element you would look at to find out if a deposit account is enrolled in eStatements. Valid canonical values are:
- Paper
- Email (eStatements)
- Both
- NA
ElecStmtType is only mapped for deposit accounts, there is no equivalent for Loans or Time Deposits accounts.
Question: SilverLake Which method can I use to pull the user’s transfer limit for a set period of time? To clarify, this is to find out how many transfers/withdrawals they have left in a month for a specific account.
Answer: To identify accounts with transfer limits you’ll find three elements that are beneficial: LmtTrnAcctType, XferDrItemCnt, and XferDrItemCntLmt.
The LmtTrnAcctType element specifies if the account is restricted in it’s transaction activity. XferDrItemCnt is the number of transfers that can be made from the account during the period, and XferDrItemCntLmt details how many transfers have been made during the period.
Question: In the response for Core Director/CIF2020/SilverLake how is the interest rate returned? Is it represented as a decimal or the actual percent?
Answer:
- SilverLake/CIF2020 - IntRate returned is the decimal representation.
- Example: IntRate returned is .0375 then the interest rate would be 3.75%.
- Core Director - IntRate returned is the interest rate as a percent.
- Example: IntRate returned is 3.75 then the interest rate is 3.75%.
Question: Where can I find the AcctStat codes?
Answer: The <AcctStat> codes can be retrieved by utilizing the SvcDictSrch operation and providing:
<SvcDictName>AcctInq</SvcDictName>
<SvcDictType>Rs</SvcDictType>
<ElemName>AcctStat</ElemName>
Additionally, we provide the statuses on this portal:
Question: CIF2020 When using the ClsRsnCode for Demand Deposits in CIF2020 the AcctInq and the FI are not able to see the ClsRsnCode. Is there an additional request needed?
Answer: CIF2020 ClsRsnCode for Demand Deposits is not same day. It will take an End of Day process at the financial institution (FI) and an additional menu option performed by the FI to get these to populate in both AcctInq and for the FI to view.
Question: SilverLake When I perform an AcctInq on a new account, I am seeing the ElecStmtType as N/A. Why does that occur?
Answer: When no value is passed within the ElecStmtType element or the element is missing from the request, the business services places a blank value within the database. When the AcctInq does the lookup, the business services translate the blank data as “N/A”.
Question: We’re developing an integration for SilverLake, and one of our use-cases is to refresh an entire portfolio of accounts. Is there a way to make multiple account inquiries in a single request, or would multiple individual requests need to be made?
Answer: We only have the option to pull one account or customer record at a time with the Inquiry-type JX SOAP APIs. If you want to pull more than one record you might take a look at using ODI to feed those records into your application daily.
Question: What’s the difference between LnStopCode and LnStopInfo in the AcctInq response? Do we have any sample records with LnStopCode populated?
Answer:
- LnStopInfoArray shows the specific stop functions currently applied to the loan.
- LnStopCode is a bank defined status that can be assigned to a loan. Each LnStopCode can have default stop functions associated with it, but these defaults are not automatically applied.
To view the default stops linked to a LnStopCode, use SvcDft. The list of available LnStopCode values can be retrieved through SvcDictSrch lookups for AcctAdd/AcctMod.
Note: LnStopCode is not returned in an AcctInq via JX for SilverLake, but it is visible to the financial institution and should be populated when performing an AcctAdd. You can find the AcctAdd SilverLake mappings here. Other provider mappings can be accessed similarly.
Question: We are currently calculating the Minimum Payment Due for loan accounts by adding: LnAcctInqRec.x_LnInfoRec.LnInfoRec.PmtAmt + LnAcctInqRec.x_LnInfoRec.LnInfoRec.PastDueAmt. While this logic works for standard loans, it is causing the minimum payment to display as double the actual amount for HELOC accounts. Does Jack Henry have a recommended field or specific logic for HELOC accounts to accurately display the Minimum Payment Due without duplicating the amount?
Answer: Use the LnAcctInqRec.x_LnPmtInfo.LnPmtInfo.PmtTotAmt as the total amount due for the HELOC. This should be the amount past due and current due.
Question: How do you mark an address as bad via jXchange?
Answer: Use the AddrInfo.Addr.InvAddr in AddrMod and set the value to ‘Y’.
Question: Is there an API that provides the projected maturity value of a CD, including accrued interest and whether interest is added back to the CD balance or paid out (similar to CDMENU option 37)?
Answer: Currently, there is no JX API that replicates the functionality of CDMENU option 37.
Question: Can a product code (ProdCode) be reassigned to a different account type after accounts have been linked to it?
Answer: No. Once a ProdCode is associated with accounts of a specific type (e.g., Demand Deposit), it cannot be changed to represent another account type (e.g., Savings). However, the same ProdCode value can be used across different account types independently. For example, AA could be a valid code for Demand Deposits and also for Loans or Certificates of Deposit.
Question: It appears the Interest Rate value is being incorrectly returned in Account Inquiry. The IntRate element is returning a value of .08500000, but the correct interest rate is 8.5%. Is this correct?
Answer: Yes that is correct. The interest rate in AcctInq is returned in decimal format. The consumer product will need to convert the IntRate value from decimal to percent if they want to display it as a percentage.
Question: In Core Director, we’re trying to make sense of the possible values for the CondNotf element, relating to account stops. Can you shed some light on what those values represent?
Answer: The values for CondNotf can differ between cores, but here are the values currently supported in our development environment, relating to payment stops:
- “StopPay” indicates there is a stop payment on the account.
- “StopHld” indicates there is a hold on the account.
- “StopAlerts” indicates there is a warning/message on the account.
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