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 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.
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 | - |


