Transaction reports

Transaction data enables CR to collect interest based on an adjusted loan balance. The table below is the transaction reference information for the files.

File conventions

  • File format: CSV.

  • File transport mechanism: SFTP (SSH; supported public key algorithms RSA, sha2 521, sha2 384, sha 256).

  • File location: \Prod\MPL\TransactionReports\MplId_TransactionTape_yyyymmdd.csv

  • Naming convention: MplId_TransactionTape_yyyymmdd.csv, where yyyymmdd is the date of file generation.

  • Report date: should match the date of the filename.

  • Report data: should be from the day prior to the report date.

Note

  • Make sure to provide a list of possible TransactionCodes and SourceCodes

  • This file should include all borrower payments, payment reversals, cancellations, refunds, charge offs, loan modifications, and fee assessments.

Transaction code mapping table is below.

Dictionary updates

Attribute

Action

Date

Amount
BalanceImpactCode

Added

October 21, 2021

TransactionAmount
BalancePrior
PrincipalAmount
InterestAmount
LateFeeAmount
BalanceAfter
NextDueDate
Notes

Removed

October 21, 2021

Attribute

Description

Sample Record

TransactionId

alphanumeric

Unique loan transaction ID. Use the ID from the servicing system.

Note that the TransactionId and TransactionCode must be unique.

 

123ABC456

LoanId

alphanumeric

Unique loan number

777777-AAAAA

TransactionDate

date

Date the transaction was processed by the servicing system

Format: yyyy-mm-dd

2014-11-10

SourceCode

alphanumeric

An identifier used to describe the method of the transaction

AAA

SourceCodeDesc

alphanumeric

A description that correlates to the SourceCode identifier such as personal check, money order, AutoPay, etc.

 

 

ACH

TransactionCode

alphanumeric

 

An identifier used to describe the type of transaction - use the transaction code from the servicing system.

Note that TransactionId and TransactionCode must be unique.

Use the ID in your servicing system - please provide mappings as outlined below.

Reversed transactions should have a different transaction code from the original transaction.

 

 

 

BBB

TransactionCodeDesc

alphanumeric

 

 

 

A description that correlates to the TransCode identifier such as boarding, scheduled payment, AutoPay fee payment, refund, cancellation, fee assessment, charged off principal, loan modification, etc.

 

 

Principal payment

Amount

numeric

 

 

Reflects the amount of this portion - TransactionId + TransactionCode.

---

Note on operators: A transaction that increases the balance should be positive (+), and a transaction that decreases the balance should be negative (-).

You should be able to SUM the transactions with the same balance impact code to arrive at the current balance.

 

 

 

 

277.85

BalanceImpactCode

integer

Code that indicates the type of balance impacted by this TransactionId + TransactionCode

---

0 = No balance impact

1 = Principal

2 = Interest

3 = Fee

 

 

 

 

 

 

1

NonCashFlag

bit

A code that indicates if the transaction was cash or not.

---

0 - Cash transaction

1 - Other non-cash transaction

 

 

0

ReversalIndicator

bit

A code that indicates the reason for a transaction reversal.

---

0 - Original transaction

1 - Reversal of original transaction

 

 

0

ReversalReason

alphanumeric

A description that indicates the reason for reversal such as ACH return, bounced check, etc.

 

ACH

EffectiveDate

date

The date the transaction affected the loan

Format: yyyy-mm-dd

e.g. 2014-11-10

RemittedDate

date

The date the funds are remitted to CR

Format: yyyy-mm-dd

e.g. 2014-11-10

PaymentOwner

alphanumeric

Payment owner

CR

TransactionCode

TransactionCodeDefinition

PrincipalImpact (y/n)

InterestImpact (y/n)

FeelImpact (y/n)

CashFlag

TransactionAmountSign

123

Principal paid by borrower

y

n

n

1

-

456

Principal adjustment (small $ write off)

y

n

n

0

-

789

Interest paid by borrower

n

y

n

1

-

120

Refund principal

y

n

n

1

-

450

Principal payment reversal

y

n

n

1

+

111

Late fee assessed

n

n

n

0

+

222

Late fee paid

n

n

y

1

-