---
title: Transaction reports
slug: apis/lending/transaction-reports
description: Daily CSV file via SFTP with all loan-level transactions, payments, reversals, fees, modifications, with codes, amounts, and balance impact.
docTags:
createdAt: 2024-08-12T08:55:11.456Z
---
## Transaction data
Transaction data enables Cross River 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.
:::hint{type="info"}
* 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 | - |