CDA Consumer Credit Account

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

Position
Element
Name
Type
Requirement
Min
Max
Repeat
CDA-01
Account Number
String (AN)
Optional
1
35
1
Account number assigned
CDA01 defines the credit account number.
CDA-02
Monetary Amount
Decimal number (R)
Optional
1
18
1
Monetary amount
CDA02 defines the credit account balance.
CDA-03
Monetary Amount
Decimal number (R)
Optional
1
18
1
Monetary amount
CDA03 defines the credit account original balance.
CDA-04
Monetary Amount
Decimal number (R)
Optional
1
18
1
Monetary amount
CDA04 defines the credit account past due amount.
CDA-05
Monetary Amount
Decimal number (R)
Conditional
1
18
1
Monetary amount
CDA05 defines the credit account minimum payment amount.
CDA-06
Type of Account Code
Identifier (ID)
Optional
2
2
1
Code specifying the type of ownership
CDA06 defines the credit account ownership type.
CDA-07
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.
CDA-08
Quantity
Decimal number (R)
Optional
1
15
1
Numeric value of quantity
CDA08 defines the number of months reviewed in the credit account.
CDA-09
Quantity
Decimal number (R)
Optional
1
15
1
Numeric value of quantity
CDA09 defines the number of months remaining in the credit account.
CDA-10
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.
CDA-11
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.
CDA-12
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.
CDA-13
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.
CDA-14
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.
CDA-15
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.
CDA-16
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.
CDA-17
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.
CDA-18
Loan Type Code
Identifier (ID)
Optional
1
2
1
Code identifying the loan program or type
CDA-19
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
CDA-20
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.
CDA-21
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.
CDA-22
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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