CDA Consumer Credit Account

To provide duration, amount and associated information on consumer credit accounts

Position
Element
Name
Type
Requirement
Min
Max
Repeat
CDA01
Account Number
String (AN)
Optional
1
35
1
Account number assigned
CDA01 defines the credit account number.
CDA02
Monetary Amount
Decimal number (R)
Optional
1
18
1
Monetary amount
CDA02 defines the credit account balance.
CDA03
Monetary Amount
Decimal number (R)
Optional
1
18
1
Monetary amount
CDA03 defines the credit account original balance.
CDA04
Monetary Amount
Decimal number (R)
Optional
1
18
1
Monetary amount
CDA04 defines the credit account past due amount.
CDA05
Monetary Amount
Decimal number (R)
Conditional
1
18
1
Monetary amount
CDA05 defines the credit account minimum payment amount.
CDA06
Type of Account Code
Identifier (ID)
Optional
2
2
1
Code specifying the type of ownership
CDA06 defines the credit account ownership type.
CDA07
Type of Credit Account Code
Identifier (ID)
Optional
1
1
1
Code specifying the type of credit account
If CDA07 is "I", then CDA08, CDA09 are required.
If CDA07 is "I", then CDA08 is number of months reviewed in the credit account.
If CDA07 is "I", then CDA09 is number of months remaining in the credit account.
If CDA07 is "H", then CDA03 is the maximum home equity line of credit amount.
If CDA07 is "H", then CDA05 is the maximum home equity line of credit payment amount.
If CDA07 is "H", then CDA11 is the date of the initial home equity line of credit draw.
CDA08
Quantity
Decimal number (R)
Optional
1
15
1
Numeric value of quantity
CDA08 defines the number of months reviewed in the credit account.
CDA09
Quantity
Decimal number (R)
Optional
1
15
1
Numeric value of quantity
CDA09 defines the number of months remaining in the credit account.
CDA10
Date Time Period Format Qualifier
Identifier (ID)
Conditional
2
3
1
Code indicating the date format, time format, or date and time format
L101112131415: If CDA-10 is present, then at least one of CDA-11, CDA-12, CDA-13, CDA-14 or CDA-15 is required
CDA10 defines the date format used in CDA11 through CDA15.
CDA11
Date Time Period
String (AN)
Conditional
1
35
1
Expression of a date, a time, or range of dates, times or dates and times
C1110: If CDA-11 is present, then CDA-10 is required
CDA11 defines the date the credit account was opened.
CDA12
Date Time Period
String (AN)
Conditional
1
35
1
Expression of a date, a time, or range of dates, times or dates and times
C1210: If CDA-12 is present, then CDA-10 is required
CDA12 defines the date of the last credit account activity.
CDA13
Date Time Period
String (AN)
Conditional
1
35
1
Expression of a date, a time, or range of dates, times or dates and times
C1310: If CDA-13 is present, then CDA-10 is required
CDA13 defines the date the credit account was closed.
CDA14
Date Time Period
String (AN)
Conditional
1
35
1
Expression of a date, a time, or range of dates, times or dates and times
C1410: If CDA-14 is present, then CDA-10 is required
CDA14 defines the date the credit account was high delinquent.
CDA15
Date Time Period
String (AN)
Conditional
1
35
1
Expression of a date, a time, or range of dates, times or dates and times
C1510: If CDA-15 is present, then CDA-10 is required
CDA15 defines the date the credit account payoff is due.
CDA16
Description
String (AN)
Optional
1
80
1
A free-form description to clarify the related data elements and their content
CDA16 is the text description of account security.
CDA17
Reference Identification
String (AN)
Optional
1
80
1
Reference information as defined for a particular Transaction Set or as specified by the Reference Identification Qualifier
CDA17 is used to identify an internal control number.
CDA18
Loan Type Code
Identifier (ID)
Optional
1
2
1
Code identifing the loan program or type
CDA19
Frequency Code
Identifier (ID)
Optional
1
1
1
Code indicating frequency or type of activities or actions being reported
C1905: If CDA-19 is present, then CDA-05 is required
CDA20
Reference Identification
String (AN)
Optional
1
80
1
Reference information as defined for a particular Transaction Set or as specified by the Reference Identification Qualifier
CDA20 is used to associate liabilities reported in this segment to a real estate item.
CDA21
Maintenance Type Code
Identifier (ID)
Optional
3
3
1
Code identifying the specific type of item maintenance
CDA21 defines the type of verification action that must take place.
CDA22
Status Code
Identifier (ID)
Optional
2
2
1
Code identifying the status of a business transaction, such as a claim, policy, real estate, or securities transaction
CDA22 defines status of the liability or the business transaction.

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