This comprehensive guide explains how Peach Finance generates Metro 2® credit reporting files. It is designed for compliance teams, product managers, developers, operations staff, and regulatory examiners who need to understand, validate, or audit credit reporting data.
This document provides:
- Detailed field-level calculation logic sufficient for independent verification
- System parameter documentation for regulatory examination
- Decision trees and pseudocode for each calculated field
- Data source mapping showing exactly where each reported value originates
- Credit Agency configuration including SFTP and encryption setup
- File generation orchestration showing the complete workflow
- Complete transaction type documentation for payment calculations
Whether you are a compliance officer explaining reporting logic to regulators, a developer integrating with Peach APIs, an operations analyst investigating a discrepancy, or an FDIC examiner validating FCRA compliance, this guide provides the complete information you need.
- Key Concepts and Definitions - Snapshots, Activity Date, Tradelines, DPD, Loan Statuses
- Loan Type Configuration - Metro 2 configuration parameters, Portfolio Types, Account Types
- Credit Agency Setup - Bureau connections, SFTP, encryption
- Account Status Codes - Status determination algorithm, delinquency scenarios
- Payment Rating and History - Payment Rating calculation, Payment History Profile
- Special Circumstances - Special Comment Codes, Compliance Condition Codes, Bankruptcy, Military Protections, Disputes
- Calculations - Obligation and balance calculations, transaction types, payment calculations
- Field Specifications - Complete field-by-field reference for Header, Base Segment, K1/K2/L1 Segments, and Trailer
- File Generation - File naming conventions, SFTP upload, encryption
- Glossary - Terms and definitions