Credit Risk Data Reports

You as a Cross River (CR) credit BIN sponsorship partner must supply Cross River on a monthly basis with a summary of specific credit risk metrics that are not visible to us. We provide you with a common data exchange format (.csv - comma-separated values) to share these metrics with us. This document explains the metrics you need to share with us, the data exchange format, and how to provide the file.

Before you begin

• Ensure you’ve submitted the complete IP Access Request for CRB SFTP Services form. Get this form from your CR Implementation or Relationship Manager. When CR gets your completed form, we begin the process of setting up your SFTP access. Learn more about SFTP setup.

• Once you are set up for SFTP, ensure you have a \ClientCredit subfolder in your Cross River SFTP folder. This is where you’ll put your csv file. CR provides you with the full path when you get your access credentials. Contact your Relationship Manager with any questions.

File structure

The credit risk metrics file must be formatted in a specific way. To prepare the credit risk metrics file:

• Use this file naming convention: CreditRiskMetrics_PartnerAbbreviation_datetimestamp.csv.

  Use a 3- to 6-character string for the PartnerAbbreviation is that clearly refers your organization, and that Cross River will understand. Format the datetimestamp as yyyymmddhhmm. If the date and time stamp is automated, the format can include seconds.

• Use this file format/delimiter: .csv (comma-separated values)

• File header: Use these and only these column names in your file: COSPartnerID, MetricMonth, MetricAbbrev, MetricValue

• File footer: Do not include a footer.

• Build the file:

  Each row/record in the .CSV represents a single monthly credit risk metric value. Each record you send must include entries each of these 4 columns: COSPartnerID, MetricMonth, MetricAbbrev, and MetricValue. The table below explains them in detail. List the metrics in whatever order you like. No specific order is required.

  Cross River BIN Sponsor card programs can vary. You still need to send the entire list of metrics, even if a given metric isn’t relevant. If a metric does not apply, give it a MetricValue of 0.

  Your relationship manager will work with Cross River’s Credit Risk team to answer any questions about determining applicable metrics for your program.

Sequence/ Position	Column	Description	Format
1	COSPartnerID	Your CR partner ID supplied to you by us. This ID acts as a unique identifier for you so we know which partner supplied the credit risk metrics	GUID (36 characters)
2	MetricMonth	The month the credit risk metric record is for. This value is the last day of the month the report covers	YYYY-MM-DD (last day of the month)
4	MetricValue	The actual credit risk metric supplied as a number (either a count of a metric or a dollar ($) amount)	Must be a number

Metric Abbreviation Catalog

Metric	Abbreviation	Description	Metric Type ($ amount or Count)
Total apps received	TAR	Number of completed applications (number of Pending, Declined, and approved together should equal the number of Total Apps received)	Count
Total apps pending	TAP	Number of completed applications that are pending	Count
Total apps incomplete	TAI	Number of incomplete applications	Count
Total apps declined	TAD	Number of declined applications	Count
Total approvals	TAA	Number of approved applications	Count
Total subprime approvals (if applicable to your program)	TSA	Number of subprime approvals (Less than 660 FICO or equivalent).	Count
Total application declines overridden/exceptions	TADO	Number of applications initially declined and later judgmentally reviewed and approved (Bank may request for exception/overridden reason).	Count
Average Limit Assigned	ALA	Average of all customers' credit limit amounts at end-of-month	$ amount
$ Total Credit Limit/Exposure	TCL	Total of all credit limit amounts at end-of-month	$ amount
$ Highest Credit Limit	HCL	Highest credit limit amount at end-of-month	$ amount
$ Month End Balance (total outstanding/account receivables)	MEB	Total balance at end-of-month	$ amount
$ First Pay Default	FPD	Sum of past-due balances from cardholders who failed to make their first payment on or before their scheduled due date, given that CR’s issuing program supports only 1 repayment cycle	$ amount
$ Balances 30 DPD	B3DPD	Sum of balances 30 days past due	$ amount
$ Balances 60 DPD	B6DPD	Sum of balances 60 days past due	$ amount
$ Balances 90 DPD	B9DPD	Sum of balances 90 days past due	$ amount
$ Balances Charged Off	BCO	Sum of charged-off balances	$ amount
$ Fraud Losses	TFL	Sum of fraud losses	$ amount
# of total Cardholders	NTC	Number of cardholders regardless of status	Count
Number of open cards	NOC	Number of open cards (exclude lost or stolen, fraud, closed, or charged off cards)	Count
Number of cards issued	NCI	Number of cards issued (both reissued and new cardholders)	Count
Number of Auth Prohibited Cards	NAPC	Number of cards with status Authorization Prohibited	Count
# First Pay Default	NFPD	Number of cardholders who failed to pay balance amount in full before or on due date	Count
# Cardholders 30 DPD	C3DPD	Number of cardholders 30 days past due	Count
# Cardholders 60 DPD	C6DPD	Number of cardholders 60 days past due	Count
# Cardholders 90 DPD	C9DPD	Number of cardholders 90 days past due	Count
# Cardholders Charged Off	CCO	Number of cardholder charge-offs	Count
# of Reages	NOR	Number of re-ages (If your program practices re-aging, supply the number of re-aged accounts completed)	Count
# of Hardship/Forbearance Enrollments	NOH	Number of hardship/forbearance enrollments	Count
# Overlimit Cardholders	NOCL	Number of accounts over assigned credit limit	Count
$ All Balances Overlimit	BOCL	Sum of balances over assigned credit limit	$ amount
Requested Credit Limit Increases Approved	CLIA	Total approved credit limit requests by cardholders	Count
Voluntary Credit Limit Decreases Approved	CLDA	Total approved credit limit decrease requests by cardholder	Count
Requested Credit Limit Increases Declined	CLID	Number of declined credit limit requests by cardholder	Count
Involuntary Credit Limit Decreases	CLDD	Number of declined credit limits conducted by Program Manager	Count
Proactive credit line increase Approved	PCLIA	Number of approved credit limits initiated by Program Manager	Count
# Primary Account Cardholder Closures	NACL	Number of primary account cardholder closure requests by cardholder	Count
# Involuntary Account Closure	NICL	Accounts involuntarily closed due to bad behavior/adverse action	Count
# Total Inactive Accounts	TIA	Accounts without a balance in current and prior cycle	Count
# Pricing Changes (increases/decreases)	NPC	Number of pricing changes made to an account(s)	Count
# Total Monthly Refunds	NMR	Number of monthly refunds	Count
$ Total Monthly Refunds	TMR	Sum of monthly refunds	$ amount
# Total Monthly Sales	NMS	Number of monthly purchase transactions	Count
$ Total Monthly Sales	TMS	Sum of monthly purchase transactions	$ amount
$ Total Cardholder payments in Month	TCP	Sum of all monthly payments	$ amount
$ Interchange Income	TII	Sum of interchange income	$ amount
$ Fee Income	TFI	Sum of fee income (if applicable to program)	$ amount
$ Interest Income	TIIN	Sum of monthly interest	$ amount
Number of cardholder sent to external collection Agency	COLL	Number of accounts reported to an external collection agency	Count
Funding Direct Utilized (= on Program Manager Balance Sheet)*	FDU	Sum of receivables on your program’s balance sheet	$ amount
Funding Partner Utilized (= on Funding Partner’s Balance Sheet)*	FPU	Sum of receivables on any third-party balance sheet	$ amount
Total Partner(s) Funding Utilized $	TPFU	Sum utilized for all card receivables on a third-party balance sheet	$ amount
Funding Partner available $	FPA	Total presently available on a third-party balance sheet for card receivables	$ amount
$ Recoveries	TAMR	Amount recovered from charged-off/write-off	$ amount
# Disputes	TND	Number of disputed transactions	Count
$ Disputes	TAMD	Total balance from disputed transactions	$ amount
# Chargeback	TNC	Number of chargeback transactions	Count
$ Chargeback	TAMC	Total balance from chargeback transactions	$ amount
$ Securitization Activity	MSA	Total amount securitized monthly (If you issue credit securitized by an asset, such as a car value, total amount of those values)	$ amount
# Cardholders in Promo Rate	PR	Number of cardholders in a promotional rate period	Count
$ Aged Write-offs	AAWO	Total amount of aged write-offs in a month	$ amount
# Aged Write-offs	CAWO	Number of aged write-offs in a month	Count
$ Bankruptcy Write-offs	ABWO	Total amount of bankruptcy write-offs in a month	$ amount
# Bankruptcy Write-offs	CBWO	Number of bankruptcy write-offs in a month	Count
$ Deceased Write-offs	ADWO	Total amount of deceased write-offs in a month	$ amount
# Deceased Write-offs	CDWO	Number of deceased write-offs in a month	Count
$ Fraud Write-offs	AFWO	Total amount of fraud write-offs in a month	$ amount
# Fraud Write-offs	CFWO	Number of fraud write-offs in a month	Count
$ Rewards Issued	RI	Total amount of rewards/points issued in a month	$ amount
$ Rewards Reversed	RR	Total amount of rewards/points reversed in a month	$ amount
$ Rewards Redeemed	RREDM	Total amount of rewards/points redeemed in a month	$ amount
$ Rewards Outstanding Liability	ROL	Total amount of outstanding rewards/points liability	$ amount
Total Collateral Value	TCL	Total collateral value on book	$ amount
$ Statement Credit Issued	SCI	Total amount of statement credit issued in a month	$ amount

Sample File

The sample below presents the monthly credit risk metric report from a fictitious Cross River partner, ABCD, Inc, partner ID a926ccfc-3cba-4a59-b3f8-c4d4b277f61f, for the month of July 2023.

File Name: CreditRiskMetrics_ABCD_202308291005

File Format: .csv

Duplicate value handling

If in the same month you provide a new monthly metric value for a metric that has already been received, CR uses only the most-recently provided metric value for that month.

Method of file share

Share the csv file monthly.

Upload the file using SFTP to your \ClientCredit subfolder.

File troubleshooting guide

• You don’t know your partner ID

Request your partner ID from your Relationship Manager.

• You are notified by CR that there is a problem with the csv file

If your csv file has problems, CR will let you know what they are and how to fix them.

In general, before sending, check these values for validity:

• Filename is formatted correctly

• For each record:

• Partner GUID is correct

• Month end date is correct and in the correct format

• Metric Abbreviation is a valid one from provided list

• MetricValue is expressed as a number