Special Circumstances
Copy for LLM
Copy page as Markdown for LLMs
View as Markdown
Open this page as Markdown
Open in ChatGPT
Get insights from ChatGPT
Open in Claude
Get insights from Claude
Connect to Cursor
Install MCP server on Cursor
Connect to VS Code
Install MCP server on VS Code

Special Comment Codes

Overview

Special Comment Codes provide additional context about an account's status. Peach automatically applies some codes and allows manual override of others.

Automatically Applied Codes

Code	Description	When Applied
`AC`	Paying Under Partial Payment Agreement	Active payment plan with amount less than scheduled payment
`AI`	Recalled to Active Military Duty	Active military duty case exists
`AP`	Credit Line Suspended	Line of credit is frozen
`AU`	Account Paid in Full for Less Than Full Balance	Charged-off or paid-off loan with zero balance and at least one service credit of type `settlementOfDebt`, `settlementOfDebtNoLoss`, or `badDebt`
`AW`	Affected by Natural or Declared Disaster	Active FEMA case exists
`CI`	Account Closed Due to Inactivity	Line of credit closed for inactivity

Override Codes (Manually Applied)

These codes can be set via API:

Code	Description
`B`	Account Payments Managed by Financial Counseling Program
`CN`	Loan Modified Under Federal Government Plan
`CO`	Loan Modified
`M`	Account Closed at Grantor's Request
`O`	Account Transferred to Another Company/Servicer

Special Comment Determination Logic

FUNCTION determine_special_comment(loan, snapshot, reporting_status):
  
  # Priority 1: Manual override
  override = get_one_time_field_value(SpecialComment)
  IF override IS NOT NULL:
    RETURN override
  
  # Priority 2: Settlement/Bad Debt detection
  IF snapshot.loan_status IN ('ChargedOff', 'PaidOff') AND balance = 0:
    settlement_credits = find_service_credits(
      types=['settlementOfDebt', 'settlementOfDebtNoLoss', 'badDebt'],
      status='Succeeded'
    )
    IF count(settlement_credits) > 0:
      RETURN 'AU'  # Paid for Less Than Full Balance
  
  # Priority 3: Active payment plan (less than regular payment)
  IF snapshot.loan_status = 'Active':
    IF active_payment_plan_amount < scheduled_payment_amount:
      RETURN 'AC'  # Paying Under Partial Payment Agreement
  
  # Priority 4: Frozen line of credit
  IF is_open_ended AND snapshot.loan_status = 'Frozen':
    RETURN 'AP'  # Credit Line Suspended
  
  # Priority 5: Inactivity closure (LOC)
  IF is_open_ended AND loan.is_closed AND close_reason = 'inactivity':
    RETURN 'CI'  # Closed Due to Inactivity
  
  # Priority 6: FEMA disaster case
  IF active_fema_case_exists():
    RETURN 'AW'  # Affected by Disaster
  
  # Priority 7: Military duty
  IF active_military_duty_case_exists():
    RETURN 'AI'  # Active Military Duty
  
  RETURN ''  # No special comment

Compliance Condition Codes

Overview

Compliance Condition Codes indicate specific regulatory circumstances, primarily related to disputes.

Code Reference

Code	Description
`XA`	Account Closed at Consumer's Request
`XB`	Account Information Disputed Under FCRA
`XC`	FCRA Dispute Investigation Completed - Consumer Disagrees
`XD`	Account Closed at Consumer's Request + Disputed Under FCRA
`XE`	Account Closed at Consumer's Request + Investigation Completed - Consumer Disagrees
`XF`	Account in Dispute Under FCBA
`XG`	FCBA Dispute Investigation Completed - Consumer Disagrees
`XH`	Account Previously in Dispute
`XJ`	Account Closed at Consumer's Request + Disputed Under FCBA
`XR`	Remove Previously Reported Code

Automatic Application

XA (Account Closed at Consumer's Request): Applied automatically when:

Portfolio type is open-ended (C, R, O)
Loan is closed
Close reason is requestedByBorrower

Manual Override

Compliance Condition Codes can be set via API:

PUT /people/{personId}/loans/{loanId}/credit-reporting
{
  "metro2": {
    "complianceConditionCode": "XB"
  }
}

Consumer Information Indicators

Overview

Consumer Information Indicators report bankruptcy status. These are automatically determined based on bankruptcy case data.

Important: Bankruptcy cases must be in Processing or Completed status to be reported in Metro2. Cases in Initiated or Canceled status are NOT reported. Lenders must manually change the case status to Processing after reviewing case details.

Bankruptcy Status Codes

Code	Description
`A`	Petition for Chapter 7 Bankruptcy
`B`	Petition for Chapter 11 Bankruptcy
`C`	Petition for Chapter 12 Bankruptcy
`D`	Petition for Chapter 13 Bankruptcy
`E`	Discharged Through Chapter 7 Bankruptcy
`F`	Discharged Through Chapter 11 Bankruptcy
`G`	Discharged Through Chapter 12 Bankruptcy
`H`	Discharged Through Chapter 13 Bankruptcy
`Q`	Remove Previously Reported Bankruptcy
`Z`	Bankruptcy - Undesignated Chapter
`1A`	Personal Receivership

Note: Codes I-P (Dismissed/Withdrawn by chapter) are defined in Metro 2 but Peach uses code Q for all dismissed, withdrawn, or closed cases per CRRG guidance.

Consumer Information Indicator Algorithm

Step-by-step logic:

Fetch bankruptcy cases where:
- case.type = 'bankruptcy'
- case.status IN ('Processing', 'Completed')
- Date filter applies (see below)

Apply date filter — case must be active during reported month:

(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)

Determine bkCaseInPetition flag:
- If coalesce(courtCaseClosedDate, courtCaseDebtorDispositionDate) is within reported month → bkCaseInPetition = false
- Otherwise → bkCaseInPetition = true
Return code based on bkCaseInPetition + chapter:

bkCaseInPetition	courtCaseChapter	Disposition	Loan Associated?	Code
`true`	chapter7	—	—	A
`true`	chapter11	—	—	B
`true`	chapter12	—	—	C
`true`	chapter13	—	—	D
`false`	chapter7	discharged	Yes	E
`false`	chapter11	discharged	Yes	F
`false`	chapter12	discharged	Yes	G
`false`	chapter13	discharged	Yes	H
`false`	any	discharged	No	Q
`false`	any	dismissed/closed	—	Q

Full Algorithm:

FUNCTION determine_consumer_information_indicator(loan, reported_month):
  
  # Step 1: Fetch qualifying bankruptcy cases
  # Filter by: type, status, and date range
  case = find_case(
    type = 'bankruptcy',
    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 case IS NULL:
    RETURN ''  # Blank - no applicable bankruptcy
  
  # Step 2: Determine if case is still in petition (active)
  bkCaseInPetition = True
  
  final_date = coalesce(case.courtCaseClosedDate, case.courtCaseDebtorDispositionDate)
  IF final_date IS NOT NULL AND final_date IS WITHIN reported_month:
    bkCaseInPetition = False  # Case was finalized in the reported month
  
  # Step 3: Return petition codes if bkCaseInPetition = true
  IF bkCaseInPetition = True:
    IF case.courtCaseChapter = 'chapter7':  RETURN 'A'
    IF case.courtCaseChapter = 'chapter11': RETURN 'B'
    IF case.courtCaseChapter = 'chapter12': RETURN 'C'
    IF case.courtCaseChapter = 'chapter13': RETURN 'D'
  
  # Step 4: Handle discharged cases (bkCaseInPetition = false)
  IF bkCaseInPetition = False AND case.courtCaseDebtorDisposition = 'discharged':
    # CRITICAL: Discharge codes E/F/G/H only apply when loan IS associated with case
    IF loan_is_associated_with_case(loan, case):
      IF case.courtCaseChapter = 'chapter7':  RETURN 'E'
      IF case.courtCaseChapter = 'chapter11': RETURN 'F'
      IF case.courtCaseChapter = 'chapter12': RETURN 'G'
      IF case.courtCaseChapter = 'chapter13': RETURN 'H'
    ELSE:
      # Loan is NOT associated with the discharged case
      RETURN 'Q'  # Remove previously reported bankruptcy
  
  # Step 5: Handle dismissed/closed cases (bkCaseInPetition = false)
  IF bkCaseInPetition = False:
    IF case.courtCaseDebtorDisposition = 'dismissed' OR
       case.courtCaseLastStatus IN ('dismissed', 'closedFiledInError', 
                                     'closedTransferredOut', 'closedDischargeNA',
                                     'closedUndeterminedReason'):
      RETURN 'Q'  # Remove previously reported bankruptcy
  
  RETURN ''  # Blank

Code Q Usage

Code Q (Remove Previously Reported Bankruptcy) is reported when:

A bankruptcy case is dismissed, withdrawn, or closed without discharge
A bankruptcy case is discharged but the loan was not associated with the case
The closure/disposition occurred in the current reporting month
This tells bureaus to remove the bankruptcy indicator from subsequent reports

Military Protections (SCRA/MLA)

Overview

The Servicemembers Civil Relief Act (SCRA) and Military Lending Act (MLA) provide protections for active-duty military members.

Credit Reporting Impact

When a borrower has active military duty status:

Impact	Description
Special Comment	Code `AI` (Recalled to Active Military Duty) is applied
Account Status	May report as current (11) during protected period
Delinquency	Protected servicemembers may not be reported as delinquent

Military Case Requirements

For military protection to apply in credit reporting:

A Military Duty case must exist in Peach
Case status must be Processing or Completed with Approved outcome
duty_start_date must be on or before the reporting date
duty_end_date must be null or on/after the reporting date

Bankruptcy Reporting

Date of First Delinquency in Bankruptcy

For bankruptcy cases where the account is current:

DOFD is set to the court_case_filed_date
This applies when Consumer Information Indicator is a bankruptcy code
Account Status is current (11)

Consumer Disputes

FCRA Disputes

When a consumer disputes information under FCRA:

Stage	Compliance Condition Code
Dispute received	`XB`
Investigation completed, consumer disagrees	`XC`
Dispute resolved	`XR` (remove) or clear

FCBA Disputes

For billing disputes under FCBA (credit cards, revolving accounts):

Stage	Compliance Condition Code
Dispute in process	`XF`
Investigation completed, consumer disagrees	`XG`
Dispute resolved	`XR` or clear

Combined Scenarios

When a consumer closes an account AND disputes:

XD: Closed + FCRA dispute pending
XE: Closed + FCRA investigation complete, disagrees
XJ: Closed + FCBA dispute pending

Special CircumstancesCopyCopy for LLMCopy page as Markdown for LLMsView as MarkdownOpen this page as MarkdownOpen in ChatGPTGet insights from ChatGPTOpen in ClaudeGet insights from ClaudeConnect to CursorInstall MCP server on CursorConnect to VS CodeInstall MCP server on VS Code

Special Comment Codes

Overview

Automatically Applied Codes

Override Codes (Manually Applied)

Special Comment Determination Logic

Compliance Condition Codes

Overview

Code Reference

Automatic Application

Manual Override

Consumer Information Indicators

Overview

Bankruptcy Status Codes

Consumer Information Indicator Algorithm

Code Q Usage

Military Protections (SCRA/MLA)

Overview

Credit Reporting Impact

Military Case Requirements

Bankruptcy Reporting

Date of First Delinquency in Bankruptcy

Consumer Disputes

FCRA Disputes

FCBA Disputes

Combined Scenarios

Was this page helpful?

Special Circumstances
Copy for LLM
Copy page as Markdown for LLMs
View as Markdown
Open this page as Markdown
Open in ChatGPT
Get insights from ChatGPT
Open in Claude
Get insights from Claude
Connect to Cursor
Install MCP server on Cursor
Connect to VS Code
Install MCP server on VS Code