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 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