Contains:

• CriteriaInfo_CType

This element is optional.

Contains:

• AuthenUsrCred_CType
• jXchangeHdr_CType

Simple Elements

The following simple elements are contained within this complex.

AuthenProdCred

Authentication of the Consumer Product Credentials in the form of a WS Security element that contains a single SAML V2.0 Assertion.

Simple Elements

Contains:

• BenfName references PersonName_CType

The following simple elements are contained within this complex.

BenfDesigId

An identification provided to each beneficiary that designates primary and contingent beneficiaries.

BenfId

An identification (i.e., Tax Identification, Drivers License) provided to identify the beneficiary.

BenfPctDist

The percentage of the proceeds the beneficiary is entitled to.

BenfRel

The relationship the beneficiary has to the account holder.

Simple Elements

Contains:

• CombAccountId references AccountId_CType

The following simple elements are contained within this complex.

ForceComb

Always force the combined account to print with the lead account regardless of any other settings. Canonical values are:

• false
• true

IncEFTStmt

Include on EFT statement. Indicates if this combined account is to be included if an EFT statement is created under the rules of Reg E. Canonical Values are:

• false
• true

StmtCrInt

Statement credit interest. Canonical values are:

• CrInt
• NA
• NoCrInt

StmtSerChg

The statement service charge.

Contains:

• EFTChgInfoArray_AType
• FDICInsurInfoRec_CType
• ODInfoRec_CType
• ProdBaseInfoRec_CType
• RedSerChgInfoRec_CType
• SerChgRelInfoRec_CType
• SerChgTierInfoArray_AType
• TrnActTierInfoArray_AType
• XferInfoRec_CType
• XsDrChgInfoArray_AType

Simple Elements

The following simple elements are contained within this complex.

ACHCompDiscrData

The ACH company discretionary data, as governed by NACHA rules.

ACHCompEntryDesc

The ACH company entry description, as governed by NACHA rules.

ACHCompId

The ACH company ID.

ACHCompName

The ACH company name, as governed by NACHA rules.

ACHCrAcctId

The account ID of the credit account for the ACH item.

ACHCrName

The account holder's name of the credit account for the ACH item.

ACHCrRtNum

The routing and transit number of the credit account's bank for the ACH item.

ACHDrAcctId

The account ID of the debit account for the ACH item.

ACHDrName

The account holder's name of the debit account for the ACH item.

ACHDrRtNum

The routing and transit number of the debit account's bank for the ACH item.

ACHSendPreNoteCode

The code that determines if an ACH prenotification should be generated, as governed by NACHA rules.

ACHStdEntryClass

The ACH standard entry class.

ACHTrnCode

The transaction code to be used for the ACH item, as governed by NACHA rules.

Contains:

• ACHAddendaArray_AType
• ACHIntlInfoRec_CType

Simple Elements

The following simple elements are contained within this complex.

AcctStat

The account status.

ACHAltCompName

The alternate company name that can be used for EFT description requirements.

ACHCompDiscrData

The ACH company discretionary data, as governed by NACHA rules.

ACHCompEntryDesc

The ACH company entry description, as governed by NACHA rules.

ACHCompId

The ACH company ID.

ACHCompName

The ACH company name, as governed by NACHA rules.

ACHCrAcctId

The account ID of the credit account for the ACH item.

ACHCrAcctType

The account type of the ACH credit account ID.

ACHCrName

The account holder's name of the credit account for the ACH item.

ACHCrTrnCodeCode

The transaction code for the ACH credit account.

ACHDayAdv

The number of days in advance to create the ACH transfer request.

ACHDrAcctId

The account ID of the debit account for the ACH item.

ACHDrAcctType

The account type of the ACH debit account ID.

ACHDrBrCode

The branch code for the ACH debit account.

ACHDrName

The account holder's name of the debit account for the ACH item.

ACHDrRtNum

The routing and transit number of the debit account's bank for the ACH item.

ACHDrTrnCodeCode

The transaction code for the ACH debit account.

ACHFeeAmt

The fee amount to be collected for each ACH transaction created.

ACHFeeAmtLTD

The life-to-date fee amount that has been collected for each ACH transaction created.

ACHFeeCrAcctId

The account ID of the fee credit account for the ACH transfer request.

ACHFeeCrAcctType

The account type of the fee credit account for the ACH transfer request.

ACHFeeCrBrCode

The branch code of the fee credit account for the ACH transfer request.

ACHFeeCrRtNum

The routing and transit number of the fee credit account's bank for the ACH transfer request.

ACHFeeCrTrnCodeCode

The transaction code of the fee credit account for the ACH transfer request.

ACHFeeDrAcctId

The account ID of the fee debit account for the ACH transfer request.

ACHFeeDrAcctType

The account type of the fee debit account for the ACH transfer request.

ACHFeeDrBrCode

The branch code of the fee debit account for the ACH transfer request.

ACHFeeDrRtNum

The routing and transit number of the fee debit account's bank for the ACH transfer request.

ACHFeeDrTrnCodeCode

The transaction code of the fee debit account for the ACH transfer request.

ACHIndvId

The ID entered by the originator provides additional identification for the ACH receiver and may be helpful in identifying the consumer.

ACHLastMainDt

The last maintenance date.

ACHLastXferDt

The date of the last ACH transfer request.

ACHNextXferDay

The specific day of the month of each ACH transfer request.

ACHNextXferDt

The date of the next ACH transfer request.

ACHNSFCode

The code that references how the ACH transfer should behave if the debit AcctId does not have sufficient funds to cover the transfer request.

ACHOneTime

Indicates if the ACH transfer should only occur one time and then expire.

ACHOpenDt

The date opened.

ACHSemiDay1

The day of month for first semi-monthly payment.

ACHSemiDay2

The day of month for second semi-monthly payment.

ACHSendPreNoteCode

The code that determines if an ACH prenotification should be generated, as governed by NACHA rules.

ACHStdEntryClass

The ACH standard entry class.

ACHTermCnt

The integer length of the term.

ACHTermUnits

The term units: years, months, days, indefinite. Canonical values are:

• Days
• Indefinite
• Months
• NA
• SemiMonthly
• Years

ACHUseLnAmtCode

The code that references how the ACH transfer amount should behave if the credit AcctId is a loan.

ACHUseLnDtCode

The code that references how the ACH transfer date should behave if the credit AcctId is a loan.

ACHXferAmt

The transfer amount for the ACH transaction.

ACHXferAmtLTD

The life-to-date transfer amount for the ACH transactions.

ACHXferExpireDt

The expiration date of the ACH transfer request.

ACHXferMatPmtCode

The code that describes the behavior for loan payments at maturity for ACH transfers.

RedPrinc

Canonical values are:

• false
• true

XferBalType

Answers the question: What balances should be considered for transfer requests? Canonical values are:

• Avl
• Col
• Ldgr

Contains:

• BenfAddr references Addr_CType
• BenfName references PersonName_CType

Simple Elements

The following simple elements are contained within this complex.

BenfAge

The age of the beneficiary.

BenfBirthDt

The beneficiary date of birth.

BenfCustId

The customer ID for the beneficiary.

BenfDeceasedDt

The beneficiary date of death.

BenfDesigId

An identification provided to each beneficiary that designates primary and contingent beneficiaries.

BenfDistAmt

The amount distributed to the beneficiary.

BenfFedWith

The amount of federal taxes withheld from the distribution.

BenfGender

The gender of the beneficiary. Canonical values are:

• Female
• Male
• Other

BenfIncMail

Answers the question: Should the beneficiary name appear on any tax plan mailings?

BenfPctDist

The percentage of the proceeds the beneficiary is entitled to.

BenfSpousCode

The beneficiary spousal code.

BenfStateWith

The amount of state taxes withheld from the distribution.

BenfTaxId

The beneficiary tax identifier (numeric, 9 digits).

Contains:

• BnkRptcyInfoRec_CType
• Custom_CType
• OffInfoArray_AType
• UserDefInfoArray_AType

Simple Elements

The following simple elements are contained within this complex.

AbbrCustDesc

An abbreviated customer description.

BrCode

The branch code.

CustCode

The code that further defines the customer.

CustCycleCode

The customer cycle code.

CustImporCode

The customer importance code. Example, VIP.

FinStmtExpDt

Financial statement expiration date.

FinStmtWavCode

F/S waive code.

FinStmtWavDt

F/S waive date.

GroupCode

Used to group loans of different types for general ledger reporting purposes. It may also be used to group customer accounts together.

InsiderCode

Insider code.

LangType

The language as defined by ISO 639–2 Language code list. Canonical values are:

• eng
• fre
• ger
• pol
• spa
• swe

LastConDt

The date of last contact.

LastFinStmtDt

The last financial statement date.

LastFinStmtLtrDt

The last financial statement letter sent date.

LeaseSecCode

For lease security accounts, this flag represents the category that this record falls under. Valid entries are:

• B - building
• L - landlord
• T - tenant

MailDirCode

The code for the mail directive, such as Hold.

NetWorth

Represents the net worth.

This element is scheduled for deprecation. Effective date: 2018-01-01. The NetWorthAmt element should be used due to size limitations of the NetWorth element.

NetWorthAmt

The net worth of an entity.

OffCode

The code that designates the financial institution officer.

ProfAnlys

For profit analysis.

SalesPerson

The code value that represents the sales person. This element was changed from a string to an open enumerated type in 4/2011. This element resides as an exception and is not to be suffixed with code rather than deprecate the element. The element does have a description.

BusDetail_CType Deprecation Details

OffCode

This element has been moved to the OffInfoArray located within this complex. Effective date: 2011-01-01.

Contains:

• CollatDocInfoArray_AType
• Custom_CType

Simple Elements

The following simple elements are contained within this complex.

AcctId

The number or character that identifies an account record.

AcctType

The number or character that categorizes the AcctId.

CollatDocBrCode

The branch code.

CollatDocCode

A code that references the type of collateral document.

CollatDocDt

A date that references the collateral document.

CollatDocExcDay

The number of days the collateral document should delay before being considered an exception.

CollatDocExcDt

The date an exception letter was sent for the collateral item.

CollatDocExcLtrId

The ID of the exception letter sent for collateral document.

CollatDocExcLtrNoSent

The number of exception letters sent for collateral document.

CollatDocExpDt

The expiration date of the collateral document.

CollatDocLocCode

A code that references the filed location of the collateral document.

CollatDocOffCode

The code that designates the financial institution officer.

CollatDocPrvStat

The previous status of a collateral document.

CollatDocPrtRcpt

Determines if the receipt letter or notice should be printed for the collateral document.

CollatDocRcptLtrId

The ID of the letter sent when the collateral document was received.

CollatDocRecvDt

The date the collateral document was received.

CollatDocStat

The status of a collateral document.

CollatDocStatDt

The date the status of the collateral document was entered or changed.

CollatDocWavDt

The date the collateral document was waived.

CustId

The identifier attached to a customer.

Contains:

• CollatItemDescArray_AType
• Custom_CType

Simple Elements

The following simple elements are contained within this complex.

BrCode

The branch code.

CollatCode

The collateral code. This code is bank-defined and is used to define the type of collateral used to secure the loan.

CollatCustRelCode

The code that describes the relationship a customer is to an account.

CollatItemDocDt

A date that references the collateral item.

CollatMatDt

The maturity date of the collateral item.

CollatOffCode

The code that designates the financial institution officer.

CollatOrigValAmt

The original value of the collateral item.

CollatOwnCustId

The identifier attached to a customer.

CollatPrvStat

The previous status of a collateral item.

CollatRecCode

The code that references the location the collateral item was recorded.

CollatRecDt

The recording date of the collateral item.

CollatRecId

The recorded identification assigned to the collateral item.

CollatRcptId

An identification of the receipt provided for the collateral item.

CollatRcptDt

The date a receipt was provided to the consumer for the collateral item.

CollatRegstCode

The code that references the registration of the collateral item.

CollatShareType

Answers the question: Can the collateral item be shared to other customers? Canonical values are:

• false
• true

CollatSrcValCode

The code that references the source used to obtain the value of the collateral item.

CollatStat

The status of a collateral item.

CollatStatDt

The date the status of the collateral item was entered or changed.

CollatToLnPct

The loan to collateral value represented as a percentage.

CollatToLnRelCode

The code that references the relationship the collateral is to the loan. For example, is the collateral the primary item?

CollatUnit

The number of units of the collateral item.

CollatValAmt

The current value of the collateral item.

CollatValDt

The date the current value of the collateral item was obtained.

CollatWavDt

The date the transfer of the collateral item was waived.

CusipBankId

A bank identification assigned to all stocks and registered bonds by the Committee on Uniform Security Identification Procedures.

CusipId

An identification assigned to all stocks and registered bonds by the Committee on Uniform Security Identification Procedures.

DocLocCode

The code that references the location of the collateral item.

PriceDt

The original date the collateral item was priced.

Contains:

• EmplAddr references Addr_CType

Simple Elements

The following simple elements are contained within this complex.

BnkRptcyFileCode

The code that describes the type of filing for a bankruptcy claim.

ChgdOffAmt

The amount charged off.

CntryType

The country abbreviation from ISO 3166.

CrBurAcctClsfCode

Identifies the account classification.

CrBurActnCode

The code indicating the action that should be taken for an upload account to the credit bureau.

CrBurAddrRptCode

The code that describes the borrower's primary or business address.

CrBurCplCode

The code that allows the reporting of the compliance condition that is required for legal compliance with the FCRA and FCBA (Fair Credit Billing Act).

CrBurId

The credit bureau identification provided by credit bureau agencies.

CrBurOccupCode

The code that references the occupancy of the property.

CrBurPrtcpCode

The code that references the participation position of the loan.

CrBurSpecCmntCode

The code that references special information about the consumers classification for the account being reported to the credit bureau.

CrBurStatCode

The status code that properly identifies the current condition of the credit bureau account.

CrBurTranCode

The code that describes the type of credit bureau activity to report to an agency.

CrClsfCode

The code indicating a general type of business for the creditor.

DlqDt

The date a loan became delinquent.

ECOACode

The ECOA Code describes the borrower's relationship to the trade line. ECOA codes identify a trade as belonging to an individual, Joint, Co-Signer, etc.

EmplName

The employer name.

LiabInstName

The name of the institution that is obligated the funds owed for an individual.

NameSuffix

The name suffix. For examples, Jr. or MD.

OccType

The occupation description of the customer. Retail or bus.

ODHighBal

The highest overdraft balance amount.

ODLmt

The overdraft limit.

OrigAcctId

The original numbers or characters that identify an account record.

OrigCrBurId

The credit bureau identification provided by credit bureau agencies.

PastDueAmt

The past due amount.

PrtcpCompName

The name of the company or creditor that a loan was participated or purchased by.

Contains:

• Addr_CType
• Custom_CType
• EmailArray_AType
• HouseHoldMbrArray_AType
• PersonName_CType
• PhoneArray_AType
• SpousName references PersonName_CType

Simple Elements

The following simple elements are contained within this complex.

AnnIncmAmt

The annual income amount. This field is used for reporting purposes for the bank.

AssetTotAmt

The total number of assets owned by a customer.

BirthDt

The date of birth.

CustOrgDt

The original customer date.

CustCrtRsnCode

The code that conveys the reason the customer was created.

CustType

The customer type.

Deceased

The deceased customer flag. Canonical values are:

• false
• true

DeceasedDt

The date deceased.

EducLvl

The level of completed accredited education for a customer. Canonical values are:

• AssocDegree
• BachelorDegree
• Doctorate
• Elementary
• HighSchool
• MastersDegree

EmplName

The employer name.

EmplTitle

The title an employee holds in a corporation or business.

Gender

The customer's gender. Canonical values are:

• Female
• Male
• Other

HouseHoldName

The name provided to a customer household. For example, this could be their last name followed by household.

HouseHoldNum

The number of persons that resides in the customer's household.

LastConDt

The date of last contact.

LastMainDt

The last maintenance date.

NAICSCode

A valid NAICS (Northern American Industry Classification System) code. Value is passed from the service of record during the pilot phase.

OccType

The occupation description of the customer. Retail or bus.

StdIndustCode

The standard industry code.

Contains:

• Custom_CType
• OffInfoArray_AType
• UserDefInfoArray_AType

Simple Elements

The following simple elements are contained within this complex.

Msg

Displays messages that have been entered about a customer.

MsgExpDt

The expiration date assigned to a message.

MsgImpor

Message importance. Ranking system on the level of importance of the message.

MsgNxtRevDt

The next date a message should be reviewed.

MsgPrtNotCode

The code that determines the behavior for message notices.

This element is optional.

Simple Elements

The following simple elements are contained within this complex.

AcctRelCode

The code that describes the relationship a customer has to an account.

AmtOwned

The amount that is owned.

CopyRelCustMail

Answers the question: Would you like a copy of all related customer mailings? This element is optional and defaults to N when absent. Canonical values are:

• N
• Y

FDICCat

FDIC Category where:

• CP - Corporate/Partnership
• EB - Employee Benefits
• IR - Retirement
• IT - Irrevocable Trust
• JO - Joint
• PU - Public Unit
• RT - Revocable trust
• SO - Single

Canonical values are:

• CP
• EB
• IR
• IT
• JO
• PU
• RT
• SO

FDICMrgAcct

Old account number prior to merger of financial institution.

FDICMrgDt

Date the merger of the account took place.

OvrFDICInsurLmt

Over FDIC insurance limit. There are three canonical values:

• Exmp - exempt from coverage
• false - FDIC insured because they were under the limit
• true - not covered because they are over the limit

false is the default.

PctOwned

The percentage that is owned.

PrtPastDueNotCode

Print past due notice.

StopACHItems

Stop ACH items. Canonical values are:

• false
• true

Contains:

• AllowTrnAcctArray_AType
• EFTCardInfo_CType
• UserDefInfoArray_AType

Simple Elements

The following simple elements are contained within this complex.

AcctLvlSecCode

The code that references the special handling security processes/accesses at the account level.

AcctReOpenCode

The code that dictates the behavior when reopening an already closed account.

ATMCard

The ATM card canonical values of:

• false
• true

ChkGuar

The check guaranty canonical values of:

• false
• true

ClsOnZeroBal

Indicates if the account should be closed automatically when the balance is at zero for the required number of days. Canonical values are:

• false
• true

ClubPln

If the account is a club type account, a plan number may be entered in this field to determine the type of plan. Valid entries are 1–9. This element is required for account type X.

ClubPlnAcctId

The numbers or characters that identify an account record that receives payment from club account distributions.

ClubPlnAcctType

The numbers or characters that categorize the ClubPlnAcct ID that receives payment from club account distributions.

CrBureauRptCode

The code that identifies the behavior for credit bureau reporting.

FltSchedCode

Represents the float schedule to be used by the service provider.

HighVolAcctCode

The code that indicates the type of high volume deposit account.

HldMailCode

Includes the mailing instructions. Valid values are 1–9 or blank.

LangType

The language as defined by ISO 639–2 Language code list. Canonical values are:

• eng
• fre
• ger
• pol
• spa
• swe

LstPostAcctCode

The code that indicates the type of handling for summarizing daily debit items for account posting.

PrtACHNotCode

The code that dictates the behavior when creating notices for ACH activity.

RelAcctId

The related account ID or number.

RelAcctType

The related account type.

RepoBlkId

The repurchase agreements block identification.

Simple Elements

The following simple elements are contained within this complex.

AvlSweepAmt

The amount of available sweep that could be used to cover this account.

CashInExmp

The cash-in exemption.

CashOutExmp

The cash-out exemption.

ChgdOffAmt

The amount charged off.

ChgdOffDt

The charge off date.

CurQtrMaxBal

The current calendar quarter's account maximum balance.

CurQtrMinBal

The current calendar quarter's account minimum balance.

FltAmt

The amount of float outstanding against this account.

HldAmt

The hold amount.

LastDepAmt

The last deposit amount.

LastDepDt

The date of last deposit.

LastMainDt

The last maintenance date.

LastTrnActDt

The date an account last had monetary activity.

MinBal

The balance established for an account that triggers some business activity.

NetMemoPostAmt

The sum of the current memo posted items against this account.

ODProtAmt

The amount of overdraft protection (credit line) this account has.

RegCCAmt

The amount of Reg CC against this account.

Contains:

• AcctTitle_AType
• ApprvOffInfoArray_AType
• ODPrvlgOptInfoArray_AType
• OffInfoArray_AType
• TINInfo_CType

Simple Elements

The following simple elements are contained within this complex.

AcctClsfCode

The allowed account classification values that are bank-defined.

AcctStat

The account status.

AliasAcctName

An alias name provided to an account that is often used for GUI representation that is understandable to an end consumer.

BrCode

The branch code.

ClsDt

The closing date.

CustId

The identifier attached to a customer.

DormantChgWav

A list of values that designate the behavior for charging or waiving dormant charges. Canonical values are:

• Chg
• NA
• Wav

LastConDt

The date of last contact.

MICRAcctId

The magnetic ink character recognition account identification that could differ from the account identification.

OffCode

The code that designates the financial institution officer.

OpenDt

The date opened.

ProdCode

The code that identifies a product type of account within an application.

SalesPerson

The code value that represents the sales person. This element was changed from a string to an open enumerated type in 4/2011. This element resides as an exception and is not to be suffixed with code rather than deprecate the element. The element does have a description.

SerChgWav

The field that defines when an institution debits the account for service charges. Canonical values are:

• Chg
• NA
• Wav

SerChgWavRsnCode

The code that indicates the reason an account is not being charged any fees.

SigVerifyCode

The signature verification code. Canonical values are:

• false
• true

TellerSICCode

The code that designates special instructions to the teller.

Simple Elements

The following simple elements are contained within this complex.

AllowReDepCode

The code that indicates how to redeposit foreign return items.

AutoNSFFee

Automatic NSF fee. Canonical values are:

• Chg
• NA
• Wav

ChgODCode

A code that indicates the business logic to be used for charging a continuous charge while an account is maintained in a negative balance position.

ChgODFeeBal

The threshold balance of an account before charging an account for maintaining a negative balance position.

ChgODFeeDays

The number of days that can elapse before charging an account for maintaining a negative balance position.

ChgODFeeDaysType

The type of days that should be used to determine the charging of overdraft fees. Canonical values are:

• BusDays
• CalDays

ChgODFeeMax

The maximum amount an account should be charged for maintaining a negative balance position.

ChgODFeeMin

The minimum amount an account should be charged for maintaining a negative balance position.

ChgODFeePct

The percentage to be used to determine the charge for an account for maintaining a negative balance position.

ChgdOffAutoCode

The code that designates the activity to automatically charge off an account.

ConsDaysCntType

The type of days that should be used to determine the counting of consecutive days for an overdraft position. Canonical values are:

• BusDays
• CalDays

ConsDaysNSF

The number of consecutive days NSF.

ConsDaysOD

The number of consecutive days overdrawn.

ConsDaysRet

The number of consecutive days returned.

DlyNSFMaxChg

The maximum amount an account can be charged for NSF items daily.

DlyODMaxChg

The maximum amount an account can be charged for OD items daily.

DlyUCFMaxChg

The maximum amount an account can be charged for items paid on uncollected funds daily.

LastNSFDt

Last NSF Date.

LastODDt

The last overdrawn date.

NSFItemsYTD

The number of items that were NSF (non-sufficient funds), year-to-date.

NSFTimesYTD

The number of times the account was NSF year-to-date.

NumAllowReDepItems

The allowable number of redeposit foreign return items.

ODChgAccr

Overdraft Charges Accrued.

ODHighBal

The highest overdraft balance amount.

ODItemsYTD

The number of overdraft items, year-to-date.

ODLmt

The overdraft limit.

ODNot1Days

The number of days to lapse, prior to sending the first overdraft notice.

ODNot2Days

The number of days to lapse, prior to sending the second overdraft notice.

ODNot3Days

The number of days to lapse, prior to sending the third overdraft notice.

ODNot4Days

The number of days to lapse, prior to sending the fourth overdraft notice.

ODNot5Days

The number of days to lapse, prior to sending the fifth overdraft notice.

ODNot6Days

The number of days to lapse, prior to sending the sixth overdraft notice.

ODPrvlgAmt

The amount of overdraft privilege (bounce protection) this account has.

ODStat

The OD status (third party).

ODTimesYTD

The number of times the account has been overdrawn, year-to-date.

PostAFTNSFCode

A code that indicates how to handle automatic funds transfers for accounts that are in or that could go into a negative balance position.

ReDepNotCode

The code that indicates the business logic for redeposit notices.

Contains:

• VarIntRateInfo_CType

Simple Elements

The following simple elements are contained within this complex.

AccrMeth

The accrual method.

AltAccrInt

The alternate accrued interest.

AmtLastIntPd

The amount of last interest paid.

IntBasis

The interest base method used for the loan. Canonical values are:

• AddOn
• Amrtz
• Act/360
• Act/365
• 30/360
• 360/360

IntDisp

Designates the disposition of interest. Canonical values are:

• AddBackToAcct
• DepToAcct
• NA
• PayByACH
• PayByChk

IntDispAcctId

The interest disposition account number.

IntDispAcctType

The interest disposition account type.

IntRate

The interest rate.

MTDAccrDays

The number of days represented for the month-to-date accrued interest. This number could differ from the actual number of days in a month due to an applications method for accrual of interest.

MTDAccrInt

The amount of interest that has accrued for an account.

LastPayDt

The last pay date.

PayIntEOMCode

The code that indicates the business logic for handling of interest payments through the end of the month.

PrevYTDIntPaid

The previous year-to-date interest paid.

PrtIntChkCode

The code that indicates the business logic for printing interest checks for deposit accounts.

TeaserRate

A rate that is paid specific to an account for a period of time.

TeaserRateCode

The code that indicates the type of teaser rate.

TeaserRateEffDt

The effective start date for a rate that is paid specific to an account for a period of time.

TeaserRateExpDt

The expiration date for a rate that is paid specific to an account for a period of time.

TeaserRateVar

The rate variance. The amount of variance from the prime rate allowed for the account.

TeaserRateVarCode

The rate variance code. This code tells the system if the variance from prime is above, below, or is of a percentage. Canonical values are:

• NA
• Negative
• Pct
• Positive

YTDInt

The year-to-date interest.

Simple Elements

The following simple elements are contained within this complex.

ARGOProdCode

The code used to interface to the JHA Argo product.

CallRptCode

The call report code.

FraudSusType

Is the entity subject a possible fraud suspect? Canonical values are:

• True
• False

GLCostCtr

The GL cost center provided for bank use in reporting the account to a specific GL cost center.

GLProdCode

The GL product code provided for bank use in reporting the account to a specific GL product code.

GroupCode

Used to group loans of different types for general ledger reporting purposes. It may also be used to group customer accounts together.

ODRegRptCode

The code used to determine how overdraft plans should be reported to regulatory agencies.

StdIndustCode

The standard industry code.

Simple Elements

The following simple elements are contained within this complex.

ElecStmtType

The type of electronic statement. Canonical values are:

• Both
• Email
• NA
• Paper

ElecStmtChgWav

The service charging method for electronic statement. Canonical values are:

• Chg
• NA
• Wav

ImgIncCrCode

The code used to determine if credit image items should be included on the deposit periodic statement.

ImgItemsFrntBackCode

The code used to determine how the front and back of the image items should print on the deposit periodic statement.

ImgItemsPerPgCode

The code used to determine how many image items should print per page on the deposit periodic statement.

ImgPrtChkOrderCode

The code used to determine the order the checks print on the deposit periodic statement.

IncCombStmt

Include on combined statement. Indicates if this account is to be included in combined statement information. Canonical values are:

• false
• true

IntCycle

The interest cycle.

ItmTrunc

Item truncation/safekeeping with canonical values of:

• Img
• ImgAndTrunc
• NA
• NoTrunc
• Trunc

LastStmtDt

The last statement date.

NxtStmtDt

The next statement date.

SerChgCycle

The service charge cycle used when an institution debits the account for service charges.

SerChgLvl

The service charge level.

SerChgWavExpDt

Service charge waived expiration date.

StmtCrInt

Statement credit interest. Canonical values are:

• CrInt
• NA
• NoCrInt

StmtCycle

The statement cycle.

StmtCycResetFreqCode

The code used to determine the frequency of resetting the counters that track the number of statements cycled/printed over time.

StmtDay

The statement day.

StmtFormatCode

The code that determines the format of the deposit periodic statement.

StmtFreq

The statement frequency.

StmtFreqCode

The statement frequency code.

StmtPasCode

The code that designates if the account holder has a passbook for transaction posting. Canonical values are:

• NA
• Pas
• Stmt

StmtPrtCode

The statement print code.

StmtSerChg

The statement service charge.

Contains:

• FedWith_CType
• StateWith_CType

Contains:

• Addr_CType
• Custom_CType
• EmailArray_AType
• GenEducArray_AType
• JobExpcArray_AType
• JobRefArray_AType
• PersonName_CType
• PhoneArray_AType
• ProfesCertifArray_AType
• SkillsArray_AType

Simple Elements

The following simple elements are contained within this complex.

AppAvlDt

The date an application is available for employment.

AppBackGrndChk

Answers the question: Did the applicant submit to a background check? Canonical values are:

• false
• true

AppCrChk

Answers the question: Did the applicant submit to a credit check? Canonical values are:

• false
• true

AppDisabled

Answers the question: Is the individual physically disabled? Canonical values are:

• false
• true

AppDrugTest

Answers the question: Did the applicant submit to a drug test? Canonical values are:

• false
• true

AppEducLvlCode

The code that describes the level of education of an individual.

AppFelony

Answers the question: Does the applicant have any previous or existing felony charges? Canonical values are:

• false
• true

AppRecvDt

The date an application was received.

AppRecvTime

The time an application was received.

AppVetCode

The code that describes an individual type of veteran.

BnkRptcyFiled

Answers the question: Has the individual or corporation ever filed for bankruptcy? Canonical values are:

• false
• true

BondRefused

Answers the question: Has the applicant ever been denied bond or had a bond canceled? Canonical values are:

• false
• true

BrCode

The branch code.

CallCurEmpl

Answers the question: Can the applicant's current employer be called for a reference? Canonical values are:

• false
• true

ElecSigRecv

Answers the question: Was an electronic signature captured for the request? Canonical values are:

• false
• true

EmplFamMbr

Does the applicant have any family members employed with the organization? Canonical values are:

• false
• true

EmpRefCode

A code that describes the employee of an organization.

Gender

The customer's gender. Canonical values are:

• Female
• Male
• Other

MltryCmpgnCode

The code identifying the campaign a military person served in.

NonUSCitizen

Is the applicant not a U.S. citizen? Canonical values are:

• false
• true

PartTimePos

Indicates whether a job description is for part time. Canonical values are:

• false
• true

PayHighAmt

The maximum pay amount for the posted job position.

PayLowAmt

The minimum pay amount for the posted job position.

RaceCode

The code that describes the race/ethnicity of an individual.

TaxId

The tax identifier. It includes the MaskVal, Rstr, and SrchType attributes.

WorkPermitReq

Answers the question: Does the applicant require a work permit? Canonical values are:

• false
• true

Contains:

• EscrwAnlysArray_AType

Simple Elements

The following simple elements are contained within this complex.

EscrwAnlysCusCode

The code that describes if the allowable cushion should be used for escrow analysis.

EscrwARMNotCode

The code that determines if the escrow analysis statement should print with the ARM rate change notice.

EscrwBegStmtTerm

The time to wait before producing the initial escrow statement.

EscrwBegStmtTermUnit

The time unit to wait before producing the initial escrow statement. Canonical values are:

• Days
• Months
• NA
• Years

EscrwChgPmtAmt

The escrow payment amount threshold amount to determine if the payment amount should be changed.

EscrwCushMos

The number of cushion months to provide for escrow analysis.

EscrwDefcGEPmtCode

The code that decides the action to be taken when the escrow account deficiency is greater than or equal to one escrow payment.

EscrwDefcLTPmtCode

The code that decides the action to be taken when the escrow account deficiency is less than one escrow payment.

EscrwNonAccrCode

The code that describes the action to be taken on non-accrual loans for escrow analysis.

EscrwNxtAnlysDt

The next escrow analysis date.

EscrwPrtChkAmt

The threshold amount to determine if an escrow overage check should be produced.

EscrwPrtChkPct

The percentage to determine if an escrow overage check should be produced.

EscrwRoundMthd

The new payment rounding method. The method to round newly calculated escrow payments. Canonical values are:

• (*) - Blank
• (D) - Down
• (N) - Nearest
• (U) - Up

EscrwShtGEPmtCode

The code that decides the action to be taken when the escrow account shortage is greater than or equal to one escrow payment.

EscrwShtLTPmtCode

The code that decides the action to be taken when the escrow account shortage is less than one escrow payment.

This element references FedWith_CType.

Simple Elements

The following simple elements are contained within this complex.

FedWithAltAcctId

The federal withholding alternate account number.

FedWithAltAcctType

The federal withholding alternate account type.

FedWithAltRate

The federal withholding alternate rate.

FedWithCode

The federal withholding code passed from the service of record during the pilot phase.

FedWithCycleAmt

The federal withholding current cycle amount.

FedWithDesc

The federal withholding code description.

FedWithEffDt

The federal withholding effective date.

FedWithFixAmt

The federal withholding fixed holding amount.

FedWithLastYR

The federal withholding last year.

FedWithMTD

The federal withholding month-to-date.

FedWithQTD

The federal withholding quarter-to-date.

FedWithYTD

The federal withholding year-to-date.

Simple Elements

The following simple elements are contained within this complex.

CurPMILTVRatio

The current loan to value ratio used for Private Mortgage Insurance (PMI).

EscrwDistrAmt

The amount of the next distribution for a specific escrow fund.

EscrwDistrDOM

The day of the month the escrow funds are distributed.

EscrwDistrDt

The date of the next distribution for a specific escrow fund.

EscrwDistrRate

The rate of the next distribution for a specific escrow fund.

EscrwDistrStartDt

The date of the initial distribution for a specific escrow fund.

EscrwDistrTaxAmt

The amount of the next distribution for a specific escrow tax fund.

EscrwDistrTaxRate

The rate of the next distribution for a specific escrow tax fund.

EscrwDistrTerm

The term (frequency) the escrow funds are distributed.

EscrwDistrTermUnit

Term units: Years, Months, Days, Indefinite. Canonical values are:

• Days
• Indefinite
• Months
• NA
• SemiMonthly
• Years

EscrwLastDistrAmt

The last amount of the escrow funds distributed.

EscrwLastDistrDt

The last date of the escrow funds distributed.

EscrwLastDistrRate

The last amount rate of the escrow funds distributed.

EscrwLastDistrTaxAmt

The last tax amount of the escrow funds distributed.

EscrwLastDistrTaxRate

The last tax amount rate of the escrow funds distributed.

EscrwPayeeCode

The code that designates the payee for the escrow funds that are distributed.

EscrwPmtAgentCode

The code that represents the agent who should receive payment from the escrow funds.

EscrwPmtCompCode

The code that represents the company who should receive payment from the escrow funds.

EscrwPmtStartDt

The date of the initial payment for a specific escrow fund.

EscrwPrtNotCode

The code that designates the behavior of escrow distribution notices.

EscrwPrvdPropType

Provide the property description for the escrow payee. Canonical values are:

• false
• true

EscrwStat

The status of the escrow record.

EscrwTaxRefId

The tax reference ID for the property.

ForcedPlaceInsur

The forced place insurance.

InsurPlcyAmt

The amount of insurance for a specific policy.

InsurPlcyExpDt

The insurance policy's expiration date.

InsurPlcyId

The identification of the insurance policy.

InsurPlcyOrigDt

The insurance policy's origination date.

InsurPlcyPremium

The premium amount for the insurance.

InsurPlcyRenDt

The renewal date of the insurance policy.

InsurPlcyTerm

The insurance policy's term.

InsurPlcyTermUnit

Term units:

• Days
• Indefinite
• Months
• Years

Canonical values are:

• Days
• Indefinite
• Months
• NA
• SemiMonthly
• Years

OpenBal

The amount of funds used to establish an account.

PMICancelCode

The code that designates why the PMI insurance was cancelled.

PMICancelDt

The date private mortgage insurance was cancelled.

PMICancelNotCode

The code that designates the behavior of notices created when private mortgage insurance is cancelled.

PMIExpDt

The date private mortgage insurance expires.

PMIHighRiskType

Is the escrow private mortgage insurance provided to a high risk loan? Canonical values are:

• false
• true

PMIHOEPANotCode

The code that represents the behavior for creating PMI notices under the HOEPA regulation.

PMILTVNotCode

The code that designates the behavior of notices created for private mortgage insurance at certain loan to value ratios.

PropLegalInfo

The legal description of the property.

PropParcelId

The parcel identification of the property.

Contains:

• EscrwPmtBalArray_AType

Simple Elements

The following simple elements are contained within this complex.

EscrwCouponReOrder

Determines if a loan payment coupon book should be reordered. Canonical values are:

• false
• true

EscrwPaidPYTD

The escrow paid prior year-to-date.

EscrwPaidYTD

The escrow paid year-to-date.

EscrwPmtEffDt

The effective date of the new escrow payment amount.

EscrwShtPmtEffDt

The effective date after the shortage spread new payment amount.

EscrwYTDIntPaid

The amount of paid interest for a specific escrow record.

This element references the StateWith_CType.

Simple Elements

The following simple elements are contained within this complex.

StateWithAltAcctId

The state withholding alternate account number.

StateWithAltAcctType

The state withholding alternate account type D.

StateWithAltRate

The state withholding alternate rate.

StateWithCode

The state withholding code.

StateWithCycleAmt

The state withholding current cycle amount.

StateWithDesc

The state withholding code description.

StateWithEffDt

The state withholding effective date.

StateWithFixAmt

The state withholding fixed holding amount.

StateWithLastYR

The state withholding last year.

StateWithMTD

The state withholding month-to-date.

StateWithQTD

The state federal withholding quarter-to-date.

StateWithStateCode

The state withholding state code.

StateWithStateDesc

The state withholding state code.

StateWithYTD

The state withholding year-to-date.

Simple Elements

The following simple elements are contained within this complex.

FASB91AmrtzCode

The code that identifies the type of amortization method to be used.

FASB91AmrtzSoldCode

The code that identifies if the FASB record should continue to be amortized after the sale of the loan on the secondary market.

FASB91AmrtzTerm

The amount of time the FASB record should be amortized.

FASB91AmrtzTermUnit

The time unit to amortize the FASB record. Canonical values are:

• Days
• Months
• NA
• SemiMonthly
• Years

FASB91AutoChg

The FASB record should automatically be aligned with the corresponding loan account record.

FASB91BrCode

The branch code.

FASB91CustId

The identifier attached to a customer.

FASB91Fee

The gross amount of fees collected.

FASB91FirstPmtDt

The first payment date.

FASB91GLCostCtr

The GL cost center provided for bank use in reporting the account to a specific GL cost center.

FASB91GLProdCode

The GL product code provided for bank use in reporting the account to a specific GL product code.

FASB91GroupCode

Used to group loans of different types for general ledger reporting purposes. It may also be used to group customer accounts together.

FASB91IntRate

The interest rate.

FASB91LastMainDt

The last maintenance date.

FASB91LOC

The FASB91 record for a line of credit.

FASB91MatDt

The amortization maturity date which can differ from the loan maturity date.

FASB91NxtProcDt

The date that references when the FASB record should be processed.

FASB91OddDayCode

The code that defines the behavior of the first payment odd days accrual.

FASB91OrigDt

The original loan date for FASB calculations.

FASB91PmtDayOfMonth

The day of month for payment. This code is only required if the payment due date is the 29th of the month.

FASB91Proceed

The original amount of the FASB record.

FASB91RptFee

The amount of fees reported for the FASB record.

FASB91SemiDay1

The day of month for first semi-monthly payment.

FASB91SemiDay2

The day of month for second semi-monthly payment.

FASB91TypeCode

The code that identifies the type of FASB record.

FASB91Yield

The FASB yield for interest yield calculations.

Contains:

• FldZoneIdArray_AType

Simple Elements

The following simple elements are contained within this complex.

CoastalBaraDt

The coastal bara area resource date.

CmntyId

The ID given to a community for flood insurance.

CmntyName

The name of the community for flood insurance.

CmntyPgmDt

The date of the community building project date for flood insurance.

ComplCompId

The ID of the compliance company used for flood insurance.

FldInsurCode

The code that designates the type of flood insurance.

FldZoneDtrCompId

The company ID that corresponds to the official determination of the flood zone.

FldZoneDtrContractCode

The code used for the official determination of the flood zone.

FldZoneDtrDt

The date of the official determination of the flood zone.

FldZoneDtrId

The determination ID that corresponds to the official determination of the flood zone.

FldZoneMapDt

The date the map ID was assigned to a flood zone.

FldZoneMapId

The map ID assigned to a flood zone.

FldZoneMapRevDt

The date of the letter of the mapped revision for a flood zone.

FldZonePanelDt

The date the panel ID was assigned to a flood zone.

Contains:

• EFTDescArray_AType

Simple Elements

The following simple elements are contained within this complex.

Amt

The amount or quantity.

FutXferAmtLTD

The life-to-date transfer amount for the transfer transactions.

FutXferDayOfMonth

The day of the month for transfer transaction. This day is only required if the transfer date is the 29th of the month.

FutXferDayOfWeek

The day of the week. Canonical values are:

• Mon
• Tues
• Wed
• Thur
• Fri
• Sat
• Sun

FutXferDayOfWeekOccur

The day of week occurrence. Canonical values are:

• First
• Secd
• Third
• Fourth
• Last

FutXferExpDt

The expiration date of the transfer request.

FutXferFirstDt

The first date to start a future transfer request.

FutXferFreq

The frequency of the transfer.

FutXferFreqUnits

The units of frequency for the transfer request. Canonical values are:

• BiWeekSkipFirst
• BiWeekSkipLast
• Days
• Indefinite
• Months
• NA
• SemiMonthly
• WeekSkipFirst
• WeekSkipLast
• Years

FutXferLateChgCode

The code that references how the transfer amount should behave if the ToAcctId is a loan and the loan has late charges due.

FutXferMatPmtCode

The code that describes the behavior for loan payments at maturity for future transfers.

FutXferNextDt

The next scheduled transfer date.

FutXferNSFCode

The code that references how the transfer should behave if the FromAcctId does not have sufficient funds to cover the transfer request.

FutXferOccr

The number of occurrences for future dated transfer requests.

FutXferSuspEndDt

The end date to suspend the transfer request.

FutXferSuspStartDt

The begin date to suspend the transfer request.

FutXferUseLnAmtCode

The code that references how the transfer amount should behave if the ToAcctId is a loan.

FutXferUseLnDtCode

The code that references how the transfer date should behave if the ToAcctId is a loan.

PrtPartRcpt

Answers the question: Should a receipt be printed for partial transactions? Canonical values are:

• false
• true

PrtRcpt

Print receipt. Canonical values are:

• false
• FirstRcptOnly
• FromAcct
• ToAcct
• true

RcptDlvryMthd

The method used to deliver receipts to customers. Canonical values are:

• Email
• Mail

RedPrinc

Canonical values are:

• false
• true

SemiDay1

The day of month for first semi-monthly payment.

SemiDay2

The day of month for second semi-monthly payment.

TrnCodeCode

The code that identifies the behavior of a monetary transaction.

Contains:

• AllowTrnActArray_AType
• BorwInfoArray_AType
• LnClsInfoArray_AType
• LnGuarArray_AType
• PrePmtPenInfoRec_CType
• UserDefInfoArray_AType

Simple Elements

The following simple elements are contained within this complex.

AcctClsfCode

The allowed account classification values that are bank-defined.

AnnIncmAmt

The annual income amount. This field is used for reporting purposes for the bank.

ATMCard

The ATM card canonical values of:

• false
• true

BadChkRecv

The number of bad checks received.

BorwDebtIncmPct

The ratio of the borrower's debt to income.

BorwLiqAssetAmt

The borrower's liquid asset amount.

CalcPartPct

The calculated participation percentage.

ClsOnZeroBal

Indicates if the account should be closed automatically when the balance is at zero for the required number of days. Canonical values are:

• false
• true

CoBorwDebtIncmPct

The ratio of the co-borrower's debt to income.

CollatCode

The collateral code. This code is bank-defined and is used to define the type of collateral used to secure the loan.

CombLTV

The combined LTV ratio. This might include second mortgages.

CouponBookTerm

Shows the term of the coupon book or how many coupons should be ordered.

CrBureauRptCode

The code that identifies the behavior for credit bureau reporting.

CrRatingCode

Determines the credit rating reported for this account.

CrScoreCode

The code that identifies the borrower's credit code used to score the credit rating.

CrScoreId

Identifies the borrower's credit score.

CurApprLTVRatio

The current loan to value ratio used derived from the appraisal.

CurLnToValRatio

The current loan to value ratio.

CurrencyCode

The code that references the type of currency used for the loan.

DeptCode

The department code is provided for bank use in assigning department responsibility for the loan.

EndorNum

The number of endorsers that exist for a loan.

ExclAutoNonAccr

Exclude from auto non-accrual controls whether this loan can automatically change to non-accrual status. Canonical values are:

• false
• true

ExcLndPlcyCode

The code that references that the loan was made as an exception to the institutions normal lending policy.

ExmnrClsfCode

An examiner's classification code. Any entry is valid.

FirstStmtDt

The date the first statement should be created.

FirstStmtFeeCode

The code that describes the behavior for charging a fee on the first statement.

ForcedPlaceInsur

The forced place insurance.

HighRiskCust

High risk customer. Canonical values are:

• false
• true

HldAcctId

Hold account deposit or CD account to automatically hold for this account.

HldAcctType

Hold account type D to place holds on a deposit account. S to place holds on a savings account. T to place holds on a CD account.

HldMailCode

Includes the mailing instructions. Valid values are 1–9 or blank.

IncCombStmt

Include on combined statement. Indicates if this account is to be included in combined statement information. Canonical values are:

• false
• true

InvrInsurCode

The code that references the investors who have vested interest in the loan.

InvrPropType

The code that references the investor's property type associated to the loan.

InvrPurpCode

The code that references the investor's interest purpose in the loan.

LangType

The language as defined by ISO 639–2 Language code list. Canonical values are:

• eng
• fre
• ger
• pol
• spa
• swe

LateChgCode

Late charge code types that are bank-defined.

LnPmtToIncmPct

The loan payment to household income ratio.

LOCAcctId

The account identification that is charged for fees from line of credit services.

LOCCustId

The customer identification for lines of credit.

MinBilAmt

The minimum amount due on a loan before a billing notice is created.

MoDebtAmt

The borrower's monthly debt expense.

MoIncmAmt

The monthly income of all borrowers.

NetWorth

Represents the net worth.

This element is scheduled for deprecation. Effective date: 2018-01-01. The NetWorthAmt element should be used due to size limitations of the NetWorth element.

NetWorthAmt

The net worth of an entity.

NumBorw

The number of borrowers.

NumProp

The number of properties securing a mortgage.

OrigLnToValRatio

The original loan to value ratio.

OrigPartPct

The original participation percentage.

PartIdNum

The participation identification number.

PayoffPend

Payoff pending canonical values are:

• false
• true

PrePmtPenBillDt

The date that the prepayment penalty bill is created.

PrePmtPenCode

Pre-payment penalty code. If the loan is to assess a prepayment penalty on payoff, then enter the corresponding prepayment penalty parameter code.

PrePmtPenBillDt

The date that the prepayment penalty bill is created.

PrePmtPenDueDt

The date that the prepayment penalty is due.

PrevStat

The previous status.

PrtBilNotCode

Print billing notice indicates if the loan is to receive a billing notice.

PrtCouponBook

Determines if a coupon book should be generated for the account. Canonical values are:

• false
• true

PrtcpAcctId

The account ID of the master loan linked to the referenced loan.

PrtcpAcctType

The account type of the master loan linked to the referenced loan.

PrtcpCode

The code that references the participation position of the loan.

PrtPastDueNotCode

Print past due notice.

PrtRcpt

Print receipt. Canonical values are:

• false
• FirstRcptOnly
• FromAcct
• ToAcct
• true

PtPaid

The points paid. The number of points paid on the loan.

PurpCode

Bank-defined and is used to define the purpose of the loan.

RelAcctId

The related account ID or number.

RelAcctType

The related account type.

RestructuredDr

Restructured debt valid indicates that this loan is for restructuring of debt. Canonical values are:

• false
• true

RewriteToLnAcctId

Rewrite to loan account number.

RstrAdva

Restrict advances. Canonical values are:

• Auto
• AutoAndManual
• NA

RstrAdvaOvrLmt

Restrict advances over limit. Canonical values are:

• false
• true

SecdCrScoreId

Identifies the borrower's secondary credit score.

State

Corresponding abbreviation for the state.

StressRateCode

A stress rating given to loans to determine the loan's exposure to interest rate changes.

StressRateDt

A date a stress rating code was given to a loan.

StudentLnCode

Designates if the loan is a demand type loan or a student loan.

SubPrimeLnCode

The subprime lending code.

TitleNeeded

Answers the question: Is the title still needed? This code is provided for bank use in tracking those loans for which a title to the collateral used for security is still needed. Canonical values are:

• false
• true

TotDebtPct

The ratio of the total monthly housing expenses plus the total of other debts to the borrower's monthly income.

TotDownPmtAmt

The total down payment amount used for the loan.

TotOtherDebtAmt

The total amount of other debts excluding housing expense.

VehicleId

The Vehicle Identification Number.

WatchListCode

Watch list code indicates if the loan is placed on a watch list.

BusDetail_CType Deprecation Details

OffCode

This element has been moved to the OffInfoArray located within this complex. Effective date: 2011-01-01.

Simple Elements

The following simple elements are contained within this complex.

AdvaMTDAmt

The monthly amount advanced for a loan.

AdvaYTDAmt

The yearly amount advanced for a loan.

AHInsurMatDt

The AH insurance maturity date.

BalDueAtMat

The balance due at maturity. Canonical values are:

• false
• true

BallCallDt

The date the balloon note is due.

ChgdOffAmt

The amount charged off.

ChgdOffDt

The charge off date.

ClsDt

The closing date.

CollatInsurExpDt

The collateral insurance expiration date.

CouponReOrderDt

The date a coupon book is to be reordered.

CouponReOrderTerm

The integer length of the term.

CouponReOrderTermUnits

The term units: years, months, days, indefinite. Canonical values are:

• Days
• Indefinite
• Months
• NA
• SemiMonthly
• Years

CouponStartDt

The beginning date for loan coupons.

CrLifeMatDt

The credit life insurance maturity date.

EstClsDt

The estimated closing date of the loan.

ExmnrClsfDt

The classification date. The date of examiner classification.

FeeChgdYTD

The fees charged year-to-date.

FeeChgdPYTD

The fees charged previous year-to-date.

FeePaidLTD

The fees paid life-to-date.

FeePaidMTD

The fees paid month-to-date.

FeePaidPYTD

The fees paid prior year-to-date.

FeePaidYTD

The fees paid year-to-date.

FirstPmtDt

The first payment date.

ForeClosureDt

The date a lender foreclosed on a property.

FundLmt

The funding limit of a loan. The maximum amount that can be advanced on a loan.

IntChgdPYTD

The interest charged previous year-to-date.

IntChgdYTD

The interest charged year-to-date.

IntOnlyExpDt

The date that the loan expires for interest only payments.

IntPaidAtAssumLastYr

The interest paid at assumption last year.

IntPaidAtAssumYTD

The interest paid at assumption year-to-date.

IntPaidLTD

The interest paid life-to-date.

IntPaidPYTD

The interest paid previous year-to-date.

IntPaidToDt

The interest paid to date.

IntPaidYTD

The interest paid year-to-date.

IntResrvBal

The interest reserve balance.

LastCouponReOrderDt

The last coupon reorder date.

LastMainDt

The last maintenance date.

LateChgPaidLTD

The late charges paid life to date.

LateChgPaidMTD

The late charges were paid month-to-date.

LateChgPaidPrevYTD

The late charges paid previous year-to-date.

LateChgPaidYTD

The late charges paid year-to-date.

LnApprvDt

The date a loan was approved which differs from the date the loan closed.

LnConvDt

The date the loan was converted from one loan product to another loan product.

LnSetupDt

The date of loan setup.

MinInt

The minimum interest.

MTDAccrInt

The amount of interest that has accrued for an account.

NetMemoPostAmt

The sum of the current memo posted items against this account.

NewLnFundAmt

The amount of any new money added to or borrowed along with the original amount of the Senior Lien Loan.

NonAccrDt

The non-accrual date.

NxtRvwDt

The next review date.

OrigFeesLTD

The origination fees life to date.

OrigFeesPYTD

The origination fees previous year-to-date.

OrigFeesYTD

The origination fees year-to-date.

OrigMatDt

The original maturity date.

PrincPaidPYTD

The principal paid prior year-to-date.

PrincPaidYTD

The principal paid year-to-date.

ProceedAmt

The first advance amount for the new loan.

PtPaidByOwner

The points paid by owner. Canonical values are:

• false
• true

ReAmrtzDOM

The day of the month the payment re-amortizes.

ReAmrtzPmtDt

The date the payment re-amortizes.

ReAmrtzThruDt

The re-amortize through date.

RightToCureDt

The right-to-cure date.

SoldBal

The sold balance.

TotIntAmt

The total amount of interest anticipated to be paid over the life of the loan.

UCCExpDt

The UCC expiration date.

UEInsurMatDt

The unemployment insurance maturity date.

WatchListDt

The watch list date.

YrFeeChgDt

The date the yearly fee should be charged to an account.

Simple Elements

The following simple elements are contained within this complex.

BankDisc

Bank discount is the amount of unearned interest on the loan. This field is only active on add-on type loans.

BankIncmFrft

The bank income forfeited.

DaysToFrft

The number of days to forfeit discount/rebate.

DaysToFrftOnChgoff

The number of days to forfeit discount/rebate if charged off.

DlrAccr

The dealer accrual.

DlrCode

The dealer code.

DlrDisc

The amount of dealer discount.

DlrEarnings

The dealer earnings.

DlrId

The dealer identification.

DlrLocId

The dealer location identification.

DlrName

The dealer name.

DlrRate

The current dealer rate.

DlrRebate

The dealer rebate.

DlrResrvAmt

The dealer reserve amount.

DlrUpfrntEarned

The dealer up front earned.

FrftDiscAtPayoff

The forfeit discount/rebate at payoff forfeit dealer discount or rebate if early payoff within specified number of days or payments. Canonical values are:

• Disc
• NA
• Rebate

FrftRebateAfterChgoff

Forfeit dealer rebate after charge off. Canonical values are:

• Bank
• Dlr
• NA

FrftRebateIfChgoff

Forfeit dealer rebate/discount if charged-off.

FrftRebateOnPayoff

Forfeit discount/rebate at payoff. Canonical values are:

• Bank
• Dlr
• NA

IntRebate

The interest rebate.

PctRebateToChgoff

The percent of discount/rebate to charge off.

PmtsToFrft

Number of payments to forfeit rebate/discount.

PmtsToFrftOnChgoff

Number of payments to forfeit discount/rebate if charge off.

RebateToBankDlr

Up front remaining rebate goes to bank or dealer. Canonical values are:

• Bank
• Dlr
• NA

RecourseCode

The code that describes the recourse action to be taken with a dealer when a loan is past due.

RecoursePct

The percent of the dealer's liability for each loan.

RecourseTerm

The recourse term the dealer's liability expires.

RecourseTermUnit

The recourse frequency units the dealer's liability expires. Canonical values are:

• Days
• Months
• NA
• SemiMonthly
• Years

RemResrvAmt

The remaining reserve amount.

RemResrvEarn

The remaining reserve earned.

RemResrvPct

The remaining reserve percentage.

UpfrntPct

Up front percent dealer's upfront reserve percentage.

Contains:

• AcctTitleArray_AType
• OffInfoArray_AType
• Term_CType
• TINInfo_CType

Simple Elements

The following simple elements are contained within this complex.

AccrBal

The accrual balance.

AcctLvlSecCode

The code that references the special handling security processes/accesses at the account level.

AcctStat

The account status.

AHInsurAccr

The AH insurance accrual.

AliasAcctName

An alias name provided to an account that is often used for GUI representation that is understandable to an end consumer.

AvailCr

The available credit.

BatchNum

The integer that groups transactions together. The batch number is often used to trace the origins of transactions.

BrCode

The branch code.

CrLifeInsurAccr

The credit life insurance accrual.

CustId

The identifier attached to a customer.

IntBasis

The interest base method used for the loan. Canonical values are:

• AddOn
• Amrtz
• Act/360
• Act/365
• 30/360
• 360/360

IntRate

The interest rate.

LastPmtDt

The last payment date.

LateChgAmt

The late charge amount.

MatDt

The maturity date.

MICRAcctId

The magnetic ink character recognition account identification that could differ from the account identification.

NxtPayDt

The next payment date.

NxtSchedPmtDt

The next scheduled payment date.

OddDaysIntBasis

The interest base to be used at the account's origination if it differs from the IntBasis.

OffCode

The code that designates the financial institution officer.

OpenDt

The date opened.

OrigBal

The original balance.

PartPmtAmt

The partial payment amount.

PastDueAmt

The past due amount.

PayoffGoodThruDt

The payoff good through date.

PIAmt

The principal and interest payment amount.

PmtAmt

The payment amount.

PmtAmtDue

The payment amount due.

PmtCode

The payment code. The payment code determines how the payment is applied to the loan.

PmtDayOfMonth

The day of month for payment. This code is only required if the payment due date is the 29th of the month.

PmtTerm

The payment frequency.

PmtTermUnits

The payment frequency units: months, days. Canonical values are:

• AtMat
• Days
• Months
• NA
• SemiMonthly
• Years

ProdCode

The code that identifies a product type of account within an application.

RemPmtCnt

The number of payments remaining.

SalesPerson

The code value that represents the sales person. This element was changed from a string to an open enumerated type in 4/2011. This element resides as an exception and is not to be suffixed with code rather than deprecate the element. The element does have a description.

SemiDay1

The day of month for first semi-monthly payment.

SemiDay2

The day of month for second semi-monthly payment.

ShortPmtCode

The code that defines the behavior for advancing due dates when less than a full payment is accepted.

Term

The term of the loan.

UEInsurAccr

The unemployment insurance accrual.

UnusedCrAccr

The unused credit accrued.

LnInfoRec_CType Deprecation Details

OffCode

This element has been moved to the OffInfoArray located within this complex. Effective date: 2011-01-01.

Contains:

• FHLBSICInfoArray_AType
• HousingInfoArray_AType

Simple Elements

The following simple elements are contained within this complex.

AgencyCaseId

The ID assigned to an FHA or VA loan for tracking purposes by HUD or the VA.

ApprDocId

The appraisal document identifier for electronic delivery of the appraisal.

AvlSecdMktgCode

The code that references the availability of a loan for sale on the secondary market.

FHAVACode

The code that describes the type of FHA or VA loan.

FHLBApprCode

The code that describes the appraisal form or inspection type used to compile the FHLB Appraisal report.

FHLBDocCode

The code that references the level of documentation used to qualify a borrower on a loan.

FHLBProdCode

The code that designates the FHLB product for the loan.

FHLBPurpCode

The code that designates the FHLB purpose that the loan proceeds are to be used.

FirstHomePur

Answers the question: Is the borrower a first-time home buyer?

HighPriceMtg

Answers the question: Does the mortgage loan qualify as a high priced mortgage (HMPL)? Canonical values are:

• false
• true

HighPriceMtgRateVar

The rate variance between the borrowers APR and the index published by the Federal Reserve Board (APOR).

HOEPAStat

The status of the Home Ownership and Equity Protection Act loan.

LnFeatureCode

The code that describes features associated with the loan.

LnOrignCompId

The Loan Originator's company unique identifier as assigned by the Nationwide Mortgage Licensing System and Registry (NMLSR).

LnOrignId

The Loan Originator's unique identifier as assigned by the Nationwide Mortgage Licensing System and Registry (NMLSR).

LnOrigSrcCode

The code that describes the business source that wholly or partially originated the mortgage loan.

LnProspectId

The ID assigned by Loan Prospector for the loan processed through Loan Prospector.

MERSId

The identification that is used for the Mortgage Electronic Registration System (MERS).

MHNumUnit

The number of sections or units that make up the manufactured home.

MHOccupCode

The code that designates the occupancy of the manufactured home, prior to transfer of ownership of the borrowers.

MHPriceToOrigPct

The ratio of the original loan amount and the manufactured home dealer's invoice price of the manufactured housing unit.

MHYrBuilt

The year the manufactured home was built.

MoHouseAmt

The borrower's monthly household debt expense.

MPFCommId

The commitment ID assigned to the institution under the mortgage partnership finance program.

MtgInsurCertifId

The certificate ID for the mortgage insurance.

MtgInsurCode

The code that defines the mortgage insurance company.

MtgInsurPct

The percentage of the loan insured for mortgage insurance.

NumUnit

The number of units in the mortgaged property.

PledgeLnCode

The code that references the institution the loan is pledged to.

PredatoryLnCode

The code that designates the type of loan for Anti-Predatory lending in accord with Freddie Mac® guidelines.

QualMtgCode

The code that describes the type of qualified mortgage as mandated by Dodd-Frank Act.

QualResMtgCode

The code that describes the type of residential qualified mortgage as mandated by Dodd-Frank Act.

RedDocCode

The code that indicates whether a loan was underwritten using reduced documentation.

SecdMtgCode

The code that represents the type of secondary mortgage activity.

ShareNatCrLn

Does the loan participate as part of the Shared National Credit Program.

StateApprLicId

The field appraiser's state license number or state certification number issued by the state of the related property.

StateSupvApprLicId

The supervisory appraiser's or appraisal firm state license number of the related property.

SubDebtCode

The code that describes if a mortgaged property has a lower priority than that of the first mortgage.

SynAgentId

The ID of the syndicated agent responsible for the servicing of the loan.

SynMemberId

The ID of the syndicated member responsible for the servicing of the loan.

Simple Elements

Contains:

• PastDueArray_AType

The following simple elements are contained within this complex.

DlqConDt

The date a customer was contacted about a delinquent situation.

PastDue10LastYr

The number of times past due 10–29 days during the previous year.

PastDue10LTD

The number of times past due 10–29 days life-to-date.

PastDue10YTD

The number of times past due 10–29 days year-to-date.

PastDue30LastYr

The number of times past due 30–59 days last year.

PastDue30LTD

The number of times past due 30–59 days life-to-date.

PastDue30YTD

The number of times past due 30–59 days year-to-date.

PastDue60LastYr

The number of times past due 60–89 days last year.

PastDue60LTD

The number of times past due 60–89 days life-to-date.

PastDue60YTD

The number of times past due 60–89 days year-to-date.

PastDue90LastYr

The number of times past due 90–119 days last year.

PastDue90LTD

The number of times past due 90–119 days life-to-date.

PastDue90YTD

The number of times past due 90–119 days year-to-date.

PastDue120LastYr

The number of times past due 120–149 days last year.

PastDue120LTD

The number of times past due 120–149 days life-to-date.

PastDue120YTD

The number of times past due 120–149 days year-to-date.

PastDue150LastYr

The number of times past due 150–179 days last year.

PastDue150LTD

The number of times past due 150–179 days life-to-date.

PastDue150YTD

The number of times past due 150–179 days year-to-date.

PastDue180LastYr

The number of times past due 180+ days last year.

PastDue180LTD

The number of times past due 180+ days life to date.

PastDue180YTD

The number of times past due 180+ days year-to-date.

Contains:

• LnFeeArray_AType
• OthInsurArray_AType

Simple Elements

The following simple elements are contained within this complex.

AHInsurAccrBase

The AH insurance accrual base.

AHInsurAccrRate

The AH insurance accrual rate.

AHInsurCompCode

The code that references the AH insurance company.

AHInsurIdxNum

The AH insurance index number.

AHInsurPerDiem

The AH insurance per diem.

AHInsurStartDt

The date the accident and health insurance begins to accrue.

AHInsurTerm

The integer length of the term.

AHInsurTermUnits

The term units: years, months, days, indefinite. Canonical values are:

• Days
• Indefinite
• Months
• NA
• SemiMonthly
• Years

AmrtzInt

The amortized interest.

AmrtzPmtSusp

The amortized payment suspense.

AnnDebtPmt

The amount of money on a total yearly basis required for the payment of interest and principal on a long-term debt.

BallPmtAmt

The balloon payment amount.

BilAHAmt

The billed credit life insurance amount.

BilCrLifeAmt

The billed credit life insurance amount.

BilEscrwAmt

The billed escrow amount.

BilIntAmt

The billed interest amount.

BilLateChgAmt

The billed late charge.

BilLeadDays

The number of days before due date to print bills.

BilOtherChgAmt

The billed other charge amount.

BilPrincAmt

The billed principle.

ChgYrFeeCode

The code that describes the behavior of how a yearly fee should be charged. For example, skip the first year.

CrLifeCompCode

The code that references the credit life insurance company.

CrLifeInsurAccrBase

The credit life insurance accrual base.

CrLifeInsurAccrRate

The credit life insurance accrual rate.

CrLifeInsurIdxNum

The credit life insurance index number.

CrLifeInsurPerDiem

The credit life insurance per diem.

CrLifeInsurStartDt

The date the credit life insurance begins to accrue.

CrLifeInsurTerm

The integer length of the term.

CrLifeInsurTermUnits

The term units: years, months, days, indefinite. Canonical values are:

• Days
• Indefinite
• Months
• NA
• SemiMonthly
• Years

CrtBilDOM

The specific day of the month to create a loan bill/statement (rather than number of days before due date to print bills - BilLeadDays).

DefrInt

The deferred interest. This field must be 0 filled.

DefrIntPaidTo

The deferred interest paid to. This field must be 0 filled.

FundPct

The percentage of a loan advance that should be split to the sold portion of a loan.

FundSeqId

The order in which advances on LOC are passed to participation sold loans.

GradPmtCode

The code that references the graduated/ascending payment option.

IgnrLateChgMulti

The late charge sequence on multiple bills should be ignored. Canonical values are:

• LateChg
• LateChgAndOther
• Neither
• Other

IntPmtPostCode

The code that describes the behavior for the posting of the interest portion of a regular payment.

LastIntPmtDt

The date of the last interest payment.

LastPmtAmt

The last payment amount.

MinChkAdva

The minimum check advance.

MinChkTolr

The minimum check tolerance for charging an NSF fee. This field must be zero filled if not used.

NegAmrtzCapPct

The Negative amortization cap percentage. Must be 0 or greater than 100.

NegAmrtzOrignBal

The highest principal balance due to negative amortization as the Original Balance for loans.

NewPmtAmt

The new payment amount.

NewPrinIntPmt

The new principle interest payment.

NewPrinIntPmtEffDt

The new principle interest payment effective date.

NSFFeeAmt

The NSF fee amount.

OthChgAmt

Other charges.

OvrLineFeeAddNxtBil

Add over line amount to next bill.

OvrLineFeeAmt

The over line fee amount.

PctBalReAmrtz

The percentage of balance to reamortize.

PmtGraceDays

The number of grace days a payment is due from the time they are billed for the payment amount.

PmtReAmrtzCap

The payment reamortization cap.

PmtReAmrtzDayOfMonth

The day of month for payment reamortization. This code is required only if the payment reamortization date is the 29th of the month.

PmtReAmrtzDt

The payment reamortization date. For loans whose payments reamortize on a different schedule than their rates change. Date the loan payment is supposed to be reamortized.

PmtReAmrtzFreq

The day of month for payment reamortization. This code is required only if the payment reamortization date is the 29th of the month.

PmtReAmrtzFreqCode

The code used to determine the frequency of reamortizing a loan payment over time.

PmtReAmrtzPeriod

The payment reamortization period.

PmtReAmrtzPeriodCode

The payment reamortization period code. Canonical values are:

• Days
• Months
• SemiMonthly
• Years

PmtSuspPostCode

The code that references how to post payment suspense.

PmtTotAmt

The total number of payments.

PostPmtPastDueCode

The code that describes the action to be taken for payments on past due loans.

PostPmtPastDueDay

The number of days a loan can be past due before payments will not post.

PostPmtPrePaidCode

The code that describes the action to be taken for payments on loans that are pre-paid.

PostPrincCurtCode

The code describes the action to be taken when an excess amount above the regular payment is received.

PostSeq1Code

The regular payment posting sequence #1 code.

PostSeq2Code

The regular payment posting sequence #2 code.

PostSeq3Code

The regular payment posting sequence #3 code.

PostSeq4Code

The regular payment posting sequence #4 code.

PostSeq5Code

The regular payment posting sequence #5 code.

PostShortPmts

Indicates if short payments should be posted. Canonical values are:

• false
• true

PrePaidAmt

The permissible amount that a loan can be pre-paid per payment.

PrePaidAmtCode

The code that describes the action to be taken for pre-paid loans.

PrePaidNum

The permissible number of payments that a loan can be pre-paid.

PrePaidPct

The permissible percent that a loan can be pre-paid per payment.

PrePmtPenLTD

The pre-payment penalty life-to-date.

PrePmtPenPYTD

The pre-payment penalty previous year-to-date.

PrePmtPenYTD

The pre-payment penalty year-to-date.

PrevPmtAmt

The previous payment amount.

PrtcpFirstPmtCode

The code that describes the action to be taken when the first payment is received on a sold loan.

PrtcpIntPmtPct

The percentage of the interest payment that should be split to the sold portion of the loan.

PrtcpPmtSplitCode

The code that describes the action to be taken when extracting payments to the sold portion of a loan.

PrtcpPrincPmtPct

The percentage of the principal payment that should be split to the sold portion of the loan.

PrtcpSeqId

The ID assigned to sold loans that control the order of splitting payments for the sold portion.

ReAmrtzPmt

Determines if the system is to re-amortize the payment amount automatically. Canonical values are:

• false
• true
• OnDemand
• Info

RstrAutoPmt

Indicates whether automatic payments should be restricted. Canonical values are:

• false
• true

SecdAccr

The secondary accrual.

SplitPmtAsBil

Indicates if payments should be split as billed. Canonical values are:

• false
• true

UEInsurAccrBase

The unemployment insurance accrual base.

UEInsurAccrRate

The unemployment insurance accrual rate.

UEInsurCompCode

The code that references the unemployment insurance company.

UEInsurIdxRate

The unemployment insurance index rate.

UEInsurPerDiem

The unemployment insurance per diem.

UnpaidChgs

The unpaid charges.

UnusedCrAccrIdxNum

The unused credit accrual index number.

UnusedCrAccrRate

The unused credit accrual rate.

UnusedCrIntBase

The unused credit interest base.

UnusedCrPerDiem

The unused credit per diem.

UsePmtSusp

Indicates if payment suspense should be used. Canonical values are:

• false
• true

YrFeeAmt

The yearly fee amount.

YrPmtIncrPct

The yearly payment increase for graduated payment loans.