Field Specifications (FDIC Examination Ready)

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activity_date = report_date.replace(day=1) - 1 day
# Example: report_date = 2026-01-15 → activity_date = 2025-12-31

rdw = len(record_string.encode()) + 4
# Formatted as 4-digit zero-padded number

field_name = {
  'Innovis': 'metro2_innovis_identification_number',
  'Equifax': 'metro2_equifax_identification_number',
  'Experian': 'metro2_experian_identification_number',
  'TransUnion': 'metro2_transunion_identification_number'
}[reporting_agency]

identification_number = loan_type[field_name]

# For migrated loans with account number change:
IF account_info_change_indicator.is_change_identification_number:
  identification_number = old_identification_number  # Report old in base
  # New number goes in L1 segment

IF credit_agency.use_loan_external_id AND loan.external_id:
  consumer_account_number = loan.external_id
ELSE:
  consumer_account_number = loan.public_id

# For migrated loans with account number change:
IF account_info_change_indicator.is_change_consumer_account_number:
  consumer_account_number = old_consumer_account_number  # Report old in base
  # New number goes in L1 segment

IF portfolio_type IN ('I', 'M'):  # Installment/Mortgage
  credit_limit = 0
ELSE:  # Open-ended
  credit_limit = loan.get_credit_limit(effective_at=snapshot_date)

RETURN round_based_on_loan_type(credit_limit)

IF portfolio_type IN ('I', 'M'):  # Installment/Mortgage
  highest_credit = loan.get_amount_financed_at_origination()
ELSE:  # Open-ended
  # Maximum principal balance during the reporting period
  highest_credit = max(snapshot.outstanding_balance_principal_amount for snapshot in period_snapshots)

RETURN round_based_on_loan_type(highest_credit)

IF portfolio_type IN ('I', 'M'):  # Installment/Mortgage
  # Convert to months
  periods_per_month = AUTOPAY_TO_DUE_DATES[Monthly][loan.payment_frequency_at_origination]
  terms_duration = loan.duration_at_origination / periods_per_month
  RETURN format_as_integer(terms_duration)  # e.g., "036" for 36 months
ELSE:
  RETURN {
    'R': 'REV',  # Revolving
    'C': 'LOC',  # Line of Credit
    'O': '001'   # Open
  }[portfolio_type]

IF snapshot.loan_status != 'ChargedOff' AND lender_status != '97':
  original_charge_off_amount = NULL  # Field left blank
ELSE:
  event = find_most_recent_charge_off_event(loan_id)
  IF event AND event.amount > 0:
    original_charge_off_amount = event.amount
  ELSE:
    # Fallback to current charged-off balance
    original_charge_off_amount = loan.balances.chargedOffBalances.chargedOffTotalAmount

IF loan.status IN ('Active', 'Accelerated', 'Frozen', 'ChargedOff'):
  date_of_account_info = month_end_date
ELIF loan.status = 'PaidOff':
  date_of_account_info = min(loan.paid_off_at.date(), month_end_date)
ELIF loan.status = 'Canceled':
  date_of_account_info = min(loan.canceled_at.date(), month_end_date)

FUNCTION calculate_fcra_dofd(loan, snapshot, account_status, payment_rating, 
                              consumer_info_indicator, reported_month):
  
  # For voluntary surrender
  IF lender_supplied_status = '95':
    IF loan.canceled_at:
      RETURN loan.canceled_at.date()
    RETURN reporting_status.reporting_end_date
  
  # For delinquent accounts
  IF account_status.is_non_current:
    due_date = get_latest_overdue_due_date()
    IF due_date:
      RETURN due_date + 30 days
  
  # For paid-off accounts that were delinquent
  IF account_status = '13' AND payment_rating.is_non_current:
    due_date = get_latest_overdue_due_date()
    IF due_date:
      RETURN due_date + 30 days
  
  # For bankruptcy with current status
  # CRITICAL: Only set DOFD from bankruptcy when specific conditions are met
  IF consumer_info_indicator IN ('A', 'B', 'C', 'D', 'E', 'F', 'G', 'H', '1A', 'V'):
    IF account_status = '11' OR (account_status = '13' AND payment_rating = '0'):
      # Find qualifying bankruptcy case
      # CRITICAL: Loan must be associated with the case
      bk_case = find_case(
        type = 'bankruptcy',
        loan_associated = True,  # Loan must be linked to this case
        status IN ('Processing', 'Completed'),
        date_filter: (
          (reported_month >= case.courtCaseFiledDate::month/year 
           AND reported_month <= coalesce(case.courtCaseClosedDate::month/year,
                                           case.courtCaseDebtorDispositionDate::month/year))
          OR
          (reported_month >= case.courtCaseFiledDate::month/year 
           AND case.courtCaseClosedDate == empty 
           AND case.courtCaseDebtorDispositionDate == empty)
        )
      )
      
      # If multiple cases exist, select the most recent based on case.createdAt
      
      IF bk_case IS NOT NULL AND bk_case.courtCaseFiledDate IS NOT empty:
        RETURN bk_case.courtCaseFiledDate
  
  RETURN NULL  # No DOFD applicable

IF snapshot.loan_status = 'PaidOff' OR lender_status IN ('61', '63'):
  RETURN loan_paid_off_event.effective_at.date()

IF snapshot.loan_status = 'ChargedOff':
  IF has_outstanding_balance:
    IF is_installment:
      RETURN NULL
    ELIF loan.is_closed:  # LOC closed
      RETURN loan_closed_event.effective_at.date()
    ELSE:  # LOC open
      RETURN NULL
  ELSE:  # No balance
    RETURN date_outstanding_balance_went_zero

IF is_open_ended AND loan.is_closed:
  RETURN loan_closed_event.effective_at.date()

RETURN NULL

# Override check
override = get_one_time_field_value(EcoaCode)
IF override:
  RETURN override

# Deceased case
IF deceased_case_exists(status='Completed', outcome='Approved'):
  RETURN 'X'

# Delete due to data corruption
IF is_deleted AND deleted_reason = 'LoanDataCorrupted':
  RETURN 'Z'

# Business borrower
IF main_borrower.borrower_type = 'Business':
  RETURN 'W'

# Default
RETURN '1'  # Individual

FUNCTION determine_address_indicator(address):
  IF address.verified = True:
    RETURN 'C'  # Address has been verified (e.g., through postal validation)
  ELSE:
    RETURN 'Y'  # Known to be address of primary consumer but not verified

IF migration_purchased_from_name (first report of migrated loan):
  indicator = '1'  # Purchased From
  name = migration_purchased_from_name
ELSE:
  indicator = '2'  # Sold To
  name = new_investor_legal_name OR collection_agency_legal_name