Servicing reports

CR requires that an MPL, or the Servicer used by the MPL, provide daily all servicing events for the loans issued by CR.

The servicing report contains a record for every loan every day. It is a snapshot of each loan. The headers are the same as those listed in the data dictionary.

The table below is the reference information for servicing.

File conventions

File format: CSV.
File transport mechanism: SFTP (SSH; supported public key algorithms RSA, sha2 521, sha2 384, sha 256)
File Name: MplId_ServicingTape_yyyymmdd.csv,where yyyymmdd is the date of file generation
- MPlId:This is internal to CRB. Please check with the data team dataengineers@crossriver.com for the value to to be used in the filename
File location: \Prod\MPL\LoanServicingTapes\MplId_ServicingTape_yyyymmdd.csv
Report date: should match the date of the filename
Report data: should be from the day prior to the report date

Example

The following shows the relationship between these three data points:

A file with name : MplId_ServicingTape_20231225.csv. File is generated on the 12/25 for the previous day’s data.
Report Date: Should be 2023-12-25
Report data: Loan positions/standing as of end of 2023-12-24

Dictionary updates

Attributes	Action	Date
`IssuingBank`	Added	October 21, 2021
`ForbearanceDuration` `ForbearanceDurationType` `ExtraFields`	Added	June 16, 2021
`ForbearanceDurationMonths`	Removed	June 16, 2021

Identification

Field	Description
`Platform` alphanumeric	Required MPL name
`MplAcctID` alphanumeric	Required Unique loan number
`IssuingBank` alphanumeric	Required Name of issuing bank of the loan. For CR originated loans, it should say "CRB".
`Servicer` alphanumeric	Required Servicer name
`ServicerLoanNum` alphanumeric	Required Servicer loan number

Field

Description

Platform

alphanumeric

Required

MPL name

MplAcctID

alphanumeric

Required

Unique loan number

IssuingBank

alphanumeric

Required

Name of issuing bank of the loan. For CR originated loans, it should say "CRB".

Servicer

alphanumeric

Required

Servicer name

ServicerLoanNum

alphanumeric

Required

Servicer loan number

Sale/Transfers

Field	Description
`BeginningSubpoolId` alphanumeric	Required On transfer day, this field will show the SubpoolId prior to the transfer. For subpool transfers or sales.
`EndingSubpoolId` alphanumeric	Required On transfer day, this field will show the SubpoolId after the transfer. For subpool transfers or sales.
`PriorOwner` alphanumeric	Required On transfer day/sale day, this field shows the owner prior to the transfer. • CRB-HFS: Loans bought back by CR after the 3 day seasoning period • CRB-LTHFS: Loans owned by CR with a longer seasoning period • CRB-Retained: Loans retained by CR
`CurrentOwner` alphanumeric	Required On transfer day, this field shows the owner after the transfer • CRB-HFS : Loans bought back by CR after the 3 day seasoning period • CRB-LTHFS: Loans owned by CR with a longer seasoning period • CRB-Retained: Loans retained by CR
`CurrentTransferedInterest` number up to 2 decimals	Required for subpool transfers and sales Interest transferred in the sale or in the subpool transfer
`CurrentTransferedPrincipal` number up to 2 decimals	Required for subpool transfers and sales Principal transferred in the sale or in the subpool transfer
`CurrentTransferDate` date	Required for subpool transfers and sales Date loan is sold/transferred to the new owner or subpool. This field should only be populated on the day after transfer. Format: yyyy-mm-dd

Field

Description

BeginningSubpoolId

alphanumeric

Required

On transfer day, this field will show the SubpoolId prior to the transfer.
For subpool transfers or sales.

EndingSubpoolId

alphanumeric

Required

On transfer day, this field will show the SubpoolId after the transfer.
For subpool transfers or sales.

PriorOwner

alphanumeric

Required

On transfer day/sale day, this field shows the owner prior to the transfer.

• CRB-HFS: Loans bought back by CR after the 3 day seasoning period

• CRB-LTHFS: Loans owned by CR with a longer seasoning period

• CRB-Retained: Loans retained by CR

CurrentOwner

alphanumeric

Required

On transfer day, this field shows the owner after the transfer

• CRB-HFS : Loans bought back by CR after the 3 day seasoning period

• CRB-LTHFS: Loans owned by CR with a longer seasoning period

• CRB-Retained: Loans retained by CR

CurrentTransferedInterest

number up to 2 decimals

Required for subpool transfers and sales

Interest transferred in the sale or in the subpool transfer

CurrentTransferedPrincipal

number up to 2 decimals

Required for subpool transfers and sales

Principal transferred in the sale or in the subpool transfer

CurrentTransferDate

date

Required for subpool transfers and sales
Date loan is sold/transferred to the new owner or subpool.
This field should only be populated on the day after transfer.

Format: yyyy-mm-dd

Loan Terms

Field	Description
`ContractDate` date	Required Note date. Format: yyyy-mm-dd
`FirstFundedDate` date	Required Funding date for loans that are disbursed on multiple days: `FirstFundedDate` is the date of the first disbursement `MostRecentFundedDate` is the date of the most recent disbursement. For loans funded in a single disbursement, the `FirstFundedDate` is the same as the `MostRecentFundedDate` Format: yyyy-mm-dd
`MostRecentFundedDate` date	Required Date of most recent disbursement. If the loan is funded in a single disbursement, this is the same as the `FirstFundedDate`. Format: yyyy-mm-dd
`Boarding Date` date	Required Date of most recent disbursement. If the loan is funded in a single disbursement, this is the same as the `FirstFundedDate`. Format: yyyy-mm-dd
`OriginalMaturityDate` date	Required Date of the final loan maturity per the loan agreement. Format: yyyy-mm-dd
`CurrentMaturityDate` date	Required Current maturity date. Format: yyyy-mm-dd
`Vintage` date-number	Required Year and month of note. Format: yyyy-mm-dd
`OriginalLoanAmount` number up to 2 decimals	Required Gross loan amount
`OriginalFundedAmount` number up to 2 decimals	Required Net funding to borrower
`CurrentDisbursementAmount` number up to 2 decimals	Required Aggregated total of all disbursed amounts so far for this loan. For a single disbursement, this equals the loan amount.
`CurrentDisbursementCount` integer	Required The (number) count of disbursements funded for this loan. For a single disbursement, the number is 1.
`OriginalScheduledPeriodicPmt` number up to 2 decimals	Required Borrower's required periodic payment per the original amortization schedule.
`CurrentScheduledPeriodicPmt` number up to 2 decimals	Required Borrower's required periodic payment per the current amortization schedule.
`OriginalScheduledFinalPmt` number up to 2 decimals	Required Borrower's required final payment per the original amortization schedule.
`CurrentScheduledFinalPmt` number up to 2 decimals	Required Borrower's required final payment per the current amortization schedule.
`PaymentFrequency` alphanumeric	Required Frequency of regularly scheduled payments per the amortization schedule - monthly, bimonthly, weekly, biweekly.
`OriginalInterestRate` number up to 2 decimals, formatted as a percent	Required Original note interest rate. Format: Percent (%)
`CurrentInterestRate` number up to 2 decimals, formatted as a percent	Required Current interest rate
`InterestAccrualMethod` alphanumeric	Required Method of interest accrual
`OriginalBorrowerState` alpha - 2 letters	Required State in which the loan was originated
`CurrentBorrowerState` alpha - 2 letters	Required State where the borrower currently resides
`OriginalFicoScore` integer	Required FICO score at origination.
`OriginalFicoScoreDate` date	Required Date the FICO score was pulled at origination. Format: yyyy-mm-dd
`OriginalVantageScore` integer	Required VantageScore at origination
`OriginalVantageScoreDate` date	Required Date the VantageScore was pulled at origination. Original internally assigned credit rating (loan grade). Format: yyyy-mm-dd
`UpdatedFicoScore` integer	Required if an updated credit pull was made Last FICO score pulled - should only be populated if a new FICO was pulled.
`UpdatedFicoScoreDate` date	Required if an updated credit pull was made Date of last FICO score pulled - should only be populated if a new FICO was pulled. Format: yyyy-mm-dd
`UpdatedVantageScore` integer	Required if an updated credit pull was made Last VantageScore pulled - should only be populated if a new VantageScore was pulled.
`UpdatedVantageScoreDate` date	Required if an updated credit pull was made Date of last VantageScore pull - should only be populated if a new VantageScore was pulled. Format: yyyy-mm-dd
`PreDTIExMortgage` number up to 2 decimals, formatted as a percent	Required DTI excluding mortgage pre-loan. Format: Percent (%)
`PreDTIInMortgage` number up to 2 decimals, formatted as a percent	Required DTI including mortgage pre-loan. Format: Percent (%)
`PreDTIDate` date	Required DTI date pulled pre-loan. Format: yyyy-mm-dd
`PostDTIDate` date	Required DTI date pulled post-loan. Format: yyyy-mm-dd
`PostDTIExMortgage` number up to 2 decimals, formatted as a percent	Required DTI excluding mortgage post-loan. Format: Percent (%)
`PostDTIInMortgage` number up to 2 decimals, formatted as a percent	Required DTI including mortgage post-loan. Format: Percent (%)
`OriginalCreditGradeInternal` number or alphanumeric	Required Original internally assigned credit rating (loan grade)
`CurrentCreditGradeInternal` number or alphanumeric	Required Current internally assigned credit rating (loan grade)
`OriginationFeePct` number up to 2 decimals	Required Origination fee by percent
`OriginationFeeAmt` number up to 2 decimals	Required Origination fee by dollar amount
APR number up to 2 decimals, formatted as a percent	Required Annual percentage rate
`OriginalTerm` number up to 2 decimals	Required Number of months to pay loan before maturity at origination
`CurrentTerm` number up to 2 decimals	Required Number of months remaining to maturity
`OriginalNumScheduledPayments` integer	Required Number of periodic payments to maturity at origination
`CurrentNumPaymentsScheduled` integer	Required Number of remaining periodic payments to maturity

Field

Description

ContractDate

date

Required

Note date.

Format: yyyy-mm-dd

FirstFundedDate

date

Required

Funding date for loans that are disbursed on multiple days:
FirstFundedDate is the date of the first disbursement
MostRecentFundedDate is the date of the most recent disbursement.

For loans funded in a single disbursement, the

FirstFundedDate is the same as the MostRecentFundedDate

Format: yyyy-mm-dd

MostRecentFundedDate

date

Required

Date of most recent disbursement.

If the loan is funded in a single disbursement, this is the same as the FirstFundedDate.
Format: yyyy-mm-dd

Boarding Date

date

Required

Date of most recent disbursement.

If the loan is funded in a single disbursement, this is the same as the FirstFundedDate.

Format: yyyy-mm-dd

OriginalMaturityDate

date

Required

Date of the final loan maturity per the loan agreement.
Format: yyyy-mm-dd

CurrentMaturityDate

date

Required

Current maturity date.
Format: yyyy-mm-dd

Vintage

date-number

Required

Year and month of note.
Format: yyyy-mm-dd

OriginalLoanAmount
number up to 2 decimals

Required

Gross loan amount

OriginalFundedAmount

number up to 2 decimals

Required

Net funding to borrower

CurrentDisbursementAmount

number up to 2 decimals

Required

Aggregated total of all disbursed amounts so far for this loan.

For a single disbursement, this equals the loan amount.

CurrentDisbursementCount

integer

Required

The (number) count of disbursements funded for this loan.

For a single disbursement, the number is 1.

OriginalScheduledPeriodicPmt

number up to 2 decimals

Required

Borrower's required periodic payment per the original amortization schedule.

CurrentScheduledPeriodicPmt

number up to 2 decimals

Required

Borrower's required periodic payment per the current amortization schedule.

OriginalScheduledFinalPmt

number up to 2 decimals

Required

Borrower's required final payment per the original amortization schedule.

CurrentScheduledFinalPmt

number up to 2 decimals

Required

Borrower's required final payment per the current amortization schedule.

PaymentFrequency

alphanumeric

Required

Frequency of regularly scheduled payments per the amortization schedule - monthly, bimonthly, weekly, biweekly.

OriginalInterestRate

number up to 2 decimals, formatted as a percent

Required

Original note interest rate.

Format: Percent (%)

CurrentInterestRate

number up to 2 decimals, formatted as a percent

Required

Current interest rate

InterestAccrualMethod

alphanumeric

Required

Method of interest accrual

OriginalBorrowerState

alpha - 2 letters

Required

State in which the loan was originated

CurrentBorrowerState

alpha - 2 letters

Required

State where the borrower currently resides

OriginalFicoScore

integer

Required

FICO score at origination.

OriginalFicoScoreDate

date

Required

Date the FICO score was pulled at origination.
Format: yyyy-mm-dd

OriginalVantageScore

integer

Required

VantageScore at origination

OriginalVantageScoreDate

date

Required

Date the VantageScore was pulled at origination.
Original internally assigned credit rating (loan grade).

Format: yyyy-mm-dd

UpdatedFicoScore

integer

Required if an updated credit pull was made

Last FICO score pulled - should only be populated if a new FICO was pulled.

UpdatedFicoScoreDate

date

Required if an updated credit pull was made

Date of last FICO score pulled - should only be populated if a new FICO was pulled.

Format: yyyy-mm-dd

UpdatedVantageScore

integer

Required if an updated credit pull was made

Last VantageScore pulled - should only be populated if a new VantageScore was pulled.

UpdatedVantageScoreDate

date

Required if an updated credit pull was made

Date of last VantageScore pull - should only be populated if a new VantageScore was pulled.

Format: yyyy-mm-dd

PreDTIExMortgage

number up to 2 decimals, formatted as a percent

Required

DTI excluding mortgage pre-loan.

Format: Percent (%)

PreDTIInMortgage

number up to 2 decimals, formatted as a percent

Required

DTI including mortgage pre-loan.

Format: Percent (%)

PreDTIDate

date

Required

DTI date pulled pre-loan.

Format: yyyy-mm-dd

PostDTIDate

date

Required

DTI date pulled post-loan.

Format: yyyy-mm-dd

PostDTIExMortgage

number up to 2 decimals, formatted as a percent

Required

DTI excluding mortgage post-loan.

Format: Percent (%)

PostDTIInMortgage

number up to 2 decimals, formatted as a percent

Required

DTI including mortgage post-loan.

Format: Percent (%)

OriginalCreditGradeInternal

number or alphanumeric

Required

Original internally assigned credit rating (loan grade)

CurrentCreditGradeInternal

number or alphanumeric

Required

Current internally assigned credit rating (loan grade)

OriginationFeePct

number up to 2 decimals

Required

Origination fee by percent

OriginationFeeAmt

number up to 2 decimals

Required

Origination fee by dollar amount

APR

number up to 2 decimals, formatted as a percent

Required

Annual percentage rate

OriginalTerm

number up to 2 decimals

Required

Number of months to pay loan before maturity at origination

CurrentTerm

number up to 2 decimals

Required

Number of months remaining to maturity

OriginalNumScheduledPayments

integer

Required

Number of periodic payments to maturity at origination

CurrentNumPaymentsScheduled

integer

Required

Number of remaining periodic payments to maturity

Activity

Field	Description
`ReportDate` date	Required This should be the current date, and all balances and running monthly totals should be as of the prior day. Format: yyyy-mm-dd Example Reporting date should be 5/1/2016 for the April loan summary.
`BeginningPrincipalBalance` number up to 2 decimals	Required Beginning principal loan balance for prior day. Should equal previous day ending principal balance.
`BeginningTotalBalance` number up to 2 decimals	Required Beginning principal + interest + fees loan balance for prior day
`BeginningBalancePostChargeOff` number up to 2 decimals	Required Beginning principal balance for prior day after charge off. This balance should exclude the charged off amount (if any).
`EndingPrincipalBalance` number up to 2 decimals	Required Ending principal loan balance for prior day
`EndingTotalBalance` number up to 2 decimals	Required Ending principal + interest + fees loan balance for prior day
`EndingBalancePostChargeOff` number up to 2 decimals	Required Ending principal balance for prior day after charge off. This balance should exclude the charged off amount (if any).
`PeriodPrincipalPmt` number up to 2 decimals	Required Principal payments received during the current month - running monthly total.
`PeriodPrincipalAdj` number up to 2 decimals	Required Small balance adjustments made to the loan balance during the current month - running monthly total.
`PeriodPrincipalPmtScheduled` number up to 2 decimals	Required Scheduled principal payments received during the current month - running monthly total.
`PeriodPrincipalPmtPrepaid` number up to 2 decimals	Required Prepay (non-scheduled) principal received during the current month - running monthly total.
`PeriodInterestPmt` number up to 2 decimals	Required Interest payments received during the current month - running monthly total.
`PeriodInterestPmtScheduled` number up to 2 decimals	Required Scheduled interest payments received during the current month - running monthly total.
`PeriodLateFeeAssessed` number up to 2 decimals	Required Amount of late fees charged - running monthly total.
`PeriodOtherFeesAssessed` number up to 2 decimals	Required Amount of other fees assessed (excluding NSF or late fees) - running monthly total.
`PeriodOtherFeesPaid` number up to 2 decimals	Required Amount of other fees (excluding NSF or late fees) paid - running monthly total.
`PeriodNsfAssessed` number up to 2 decimals	Required Amount of insufficient funds charged - running monthly total.
`PeriodNsfPaid` number up to 2 decimals	Required Amount paid for insufficient funds - running monthly total.
`LastPaymentReceivedDate` date	Required Day of month the last borrower payment was received. Format: yyyy-mm-dd
`NextPaymentDueDate` date	Required Next payment due date. Format: yyyy-mm-dd
`NextPrincipalDueDate` date	Required Next principal payment due date. Format: yyyy-mm-dd
`NextInterestDueDate` date	Required Next interest due date. Format: yyyy-mm-dd
`ChargeOffDate` date	Required Date the loan is charged off book. Format: yyyy-mm-dd
`ChargedOffPrincipalAmt` number up to 2 decimals	*Required if a charge off occurred Total principal charged off during current month. This should only be populated during the month that the charge off occurs.
`ChargedOffInterestAmt` number up to 2 decimals	*Required if a charge off occurred Total interest charged off/ reversed during the current month. This should only be populated during the month that the charge off occurs.
`InterestAccruedTotal` number up to 2 decimals	Required Interest accrued but not collected as of prior day
`CumulInterestPmtLTD` number up to 2 decimals	Required Total interest payment received from the borrower since inception
`CumulPrincipalPmtLTD` number up to 2 decimals	Required Total principal payment received from the borrower since inception
`CumulPrincipalPmtPrepaidLTD` number up to 2 decimals	Required Total prepay principal received from the borrower since inception
`PrincipalRecoveredAmt` number up to 2 decimals	Required Principal amount recovered after charge off - life to date
`InterestRecoveredAmt` number up to 2 decimals	Required Interest amount recovered after charge off - life to date
`LateFeeRecovered` number up to 2 decimals	Required Late fee amount recovered after charge off - life to date.
`NsfFeeRecovered` number up to 2 decimals	Required NSF fee amount recovered after charge off - life to date
`OtherFeesRecovered` number up to 2 decimals	Required Other fees (excluding late fees or NSF fees) amount recovered after charge off - life to date.
`AverageDailyBalance` number up to 2 decimals	Required Average loan outstanding for the month

Field

Description

ReportDate

date

Required

This should be the current date, and all balances and running monthly totals should be as of the prior day.

Format: yyyy-mm-dd

Example

Reporting date should be 5/1/2016 for the April loan summary.

BeginningPrincipalBalance

number up to 2 decimals

Required

Beginning principal loan balance for prior day. Should equal previous day ending principal balance.

BeginningTotalBalance

number up to 2 decimals

Required

Beginning principal + interest + fees loan balance for prior day

BeginningBalancePostChargeOff

number up to 2 decimals

Required

Beginning principal balance for prior day after charge off.

This balance should exclude the charged off amount (if any).

EndingPrincipalBalance

number up to 2 decimals

Required

Ending principal loan balance for prior day

EndingTotalBalance

number up to 2 decimals

Required

Ending principal + interest + fees loan balance for prior day

EndingBalancePostChargeOff

number up to 2 decimals

Required

Ending principal balance for prior day after charge off.

This balance should exclude the charged off amount (if any).

PeriodPrincipalPmt

number up to 2 decimals

Required

Principal payments received during the current month - running monthly total.

PeriodPrincipalAdj

number up to 2 decimals

Required

Small balance adjustments made to the loan balance during the current month - running monthly total.

PeriodPrincipalPmtScheduled

number up to 2 decimals

Required

Scheduled principal payments received during the current month - running monthly total.

PeriodPrincipalPmtPrepaid

number up to 2 decimals

Required

Prepay (non-scheduled) principal received during the current month - running monthly total.

PeriodInterestPmt

number up to 2 decimals

Required

Interest payments received during the current month - running monthly total.

PeriodInterestPmtScheduled

number up to 2 decimals

Required

Scheduled interest payments received during the current month - running monthly total.

PeriodLateFeeAssessed

number up to 2 decimals

Required

Amount of late fees charged - running monthly total.

PeriodOtherFeesAssessed

number up to 2 decimals

Required

Amount of other fees assessed (excluding NSF or late fees) - running monthly total.

PeriodOtherFeesPaid

number up to 2 decimals

Required

Amount of other fees (excluding NSF or late fees) paid - running monthly total.

PeriodNsfAssessed

number up to 2 decimals

Required

Amount of insufficient funds charged - running monthly total.

PeriodNsfPaid

number up to 2 decimals

Required

Amount paid for insufficient funds - running monthly total.

LastPaymentReceivedDate

date

Required

Day of month the last borrower payment was received.

Format: yyyy-mm-dd

NextPaymentDueDate

date

Required

Next payment due date.

Format: yyyy-mm-dd

NextPrincipalDueDate

date

Required

Next principal payment due date.

Format: yyyy-mm-dd

NextInterestDueDate

date

Required

Next interest due date.

Format: yyyy-mm-dd

ChargeOffDate

date

Required

Date the loan is charged off book.

Format: yyyy-mm-dd

ChargedOffPrincipalAmt

number up to 2 decimals

*Required if a charge off occurred

Total principal charged off during current month.

This should only be populated during the month that the charge off occurs.

ChargedOffInterestAmt

number up to 2 decimals

*Required if a charge off occurred

Total interest charged off/ reversed during the current month.

This should only be populated during the month that the charge off occurs.

InterestAccruedTotal

number up to 2 decimals

Required

Interest accrued but not collected as of prior day

CumulInterestPmtLTD

number up to 2 decimals

Required

Total interest payment received from the borrower since inception

CumulPrincipalPmtLTD

number up to 2 decimals

Required

Total principal payment received from the borrower since inception

CumulPrincipalPmtPrepaidLTD

number up to 2 decimals

Required

Total prepay principal received from the borrower since inception

PrincipalRecoveredAmt

number up to 2 decimals

Required

Principal amount recovered after charge off - life to date

InterestRecoveredAmt

number up to 2 decimals

Required

Interest amount recovered after charge off - life to date

LateFeeRecovered

number up to 2 decimals

Required

Late fee amount recovered after charge off - life to date.

NsfFeeRecovered

number up to 2 decimals

Required

NSF fee amount recovered after charge off - life to date

OtherFeesRecovered

number up to 2 decimals

Required

Other fees (excluding late fees or NSF fees) amount recovered after charge off - life to date.

AverageDailyBalance

number up to 2 decimals

Required

Average loan outstanding for the month

Loan status

Field	Description
`LoanStatus` alphanumeric	Required Payment status of the loan: Current - 0 days past due InGracePeriod - 1 thru grace period days past due Delinquent - grace period + 1 thru charge off days past due ChargedOff - loan charged off Forebearance - loan is in forbearance/deferment status Bankruptcy - loan in bankruptcy Matured - loan paid off on normal amortization schedule PaidOff - loan paid off early
`DaysPastDue` integer	Required Number of days past due - total
`DelinquencyStartDate` date	Required Date the loan entered the delinquent status. Format: yyyy-mm-dd
`PastDuePrincipalAmt` number up to 2 decimals	Required Amount of principal payment past due
`PastDueInterestAmount` number up to 2 decimals	Required Amount of interest payment past due
`PastDueTotalAmount` number up to 2 decimals	Required Amount of principal + interest + fees past due
`Times1to5DPD` integer	Required Number of times loan was 0 < DPD < = 5.
`Times6to15DPD` integer	Required Number of times loan was 5 < DPD < = 15.
`Times16to30DPD` integer	Required Number of times loan was 15 < DPD < = 30.
`Times31to60DPD integer`	Required Number of times loan was 30 < DPD < = 60.
`Times61to90DPD` integer	Required Number of times loan was 60 < DPD < = 90.
`Times91to120DPD integer`	Required Number of times loan was 90 < DPD < = 120.
`Times121plusDPD` integer	Required Number of times loan was 120 < DPD.
`ConfirmOfFraudDate` date	Required Date the loan was confirmed as fraudulent. Format: yyyy-mm-dd
`FraudAmt` number up to 2 decimals	Required Total amount lost to fraud
`ConfirmOfDeathDate` date	Required Date the borrower's death was confirmed. Format: yyyy-mm-dd

Bankruptcy

Field	Description
`BankruptcyStatus` alphanumeric	Required Current status of bankruptcy as of prior day
`BankruptcyChapter` alphanumeric	Required Bankruptcy chapter
`BankruptcyNoticeDate` date	Required Date of the bankruptcy notice. Format: yyyy-mm-dd
`BankruptcyFilingDate` date	Required Date the bankruptcy was filed. Format: yyyy-mm-dd
`BankruptcyCloseDate` date	Required Date the bankruptcy was closed. Format: yyyy-mm-dd
`BankruptcyCloseReason` alphanumeric	Required Reason the bankruptcy was closed.
`BankruptcyProcessDate` date	Required Date the bankruptcy was processed. Format: yyyy-mm-dd
`BankruptcyDischargeDate` date	Required Date the bankruptcy was discharged. Format: yyyy-mm-dd
`BankruptcyDismissalDate` date	Required Date the bankruptcy was dismissed. Format: yyyy-mm-dd
`BankruptcyWithdrawDate` date	Required Date the bankruptcy was withdrawn. Format: yyyy-mm-dd
`ForbearanceStartDate` date	Required Date the loan entered the forbearance status. Format: yyyy-mm-dd
`ForbearanceEndDate` date	Required Date the loan exited the forbearance status. Format: yyyy-mm-dd
`ForbearanceDuration` integer	Required Duration of the forbearance period. Duration type has to be indicated in the ForebearanceDurationType field.
`ForebearanceDurationType` integer	Required Indicator that identifies the duration type reported in the ForbearanceDuration field 1 - Days 2 - Months 3 - Years
`ForbearanceReason` alphanumeric	Required Reason for the forbearance

Modifications

Field	Description
`ScraFlag` alphanumeric	Required Flag indicating that SCRA applies to this loan. Y or N only.
`ScraRate` number up to 2 decimals	Required Modified rate during the SCRA period - Y or N.
`ScraBeginDate` date	Required Date the SCRA period begins. Format: yyyy-mm-dd
`ScraEndDate` date	Required Date the SCRA period ends. Format: yyyy-mm-dd
`ModFlag` alphanumeric	Required Flag indicating the loan was modified. Only the most recent modification should be provided. Y or N only.
`ModStatus` alphanumeric	Required Flag indicating whether the modification is active. Only the most recent modification should be provided. Y or N only.
`ModType` number up to 2 decimals	Required Code indicating the type of loan modification. Only the most recent modification should be provided. 1 - Rate 2 - Payment deferral 3 - Principal reduction 4 - Term adjustment 5 - Payment adjustment 6 - Other
`ModDescr` alphanumeric	Required Description of the specific modification made. Only the most recent modification should be provided.
`ModRate` number up to 2 decimals	Required The new rate, post modification. Only most recent modification should be provided.
`ModPmt` number up to 2 decimals	Required The new payment, post modification. Only the most recent modification should be provided.
`ModTerm` integer	Required The new term, post modification. Only the most recent modification should be provided.
`ModBal` number up to 2 decimals	Required The new principal balance, post modification. Only the most recent modification should be provided.
`ModFinalPmt` number up to 2 decimals	Required The new final payment, if applicable, post modification. Only the most recent modification should be provided.
`ModMaturityDate` date	Required The new maturity, post modification. Only the most recent modification should be provided. Format: yyyy-mm-dd

Settlement

Field	Description
`SettlementDate` date	Required Date the loan was settled with the borrower. Format: yyyy-mm-dd
`SettlementAmount` numeric	Required The portion of the balance agreed upon that WILL BE PAID by the borrower.
`SettlementAmountPaid` numeric	Required The portion of the balance agreed upon that HAS ALREADY BEEN PAID by the borrower.
`ForgivenAmount` numeric	Required The portion of the balance that won't be collected due to the settlement agreement (as of the agreement date).
`UnpaidSettlementBalance` numeric	Required The outstanding amount remaining of the agreed upon settlement amount.
`ExtraFields` alphanumeric	Optional Json blob allowing for all extra fields. The blob must EXCLUDE text delimiters and line feeds. Any changes/additions to this field must go through change management.