2019 CRA EDITS Board Of Governors Of The

 2019 cra edits board of governors of the federal reserve system (frs) federal deposit insurance corporation


2019 CRA EDITS
Board of Governors of the Federal Reserve System (FRS)
Federal Deposit Insurance Corporation (FDIC)
Office of the Comptroller of the Currency (OCC)
QUICK REFERENCE TO UNDERSTANDING CRA EDITS
CRA edits are divided into three edit types: Syntactical, Validity and
Quality. Each edit questions specific reported data that should be
thoroughly checked in order to ensure the data are reported accurately
and in their entirety.
Syntactical (S) Loan records with errors that prevent these
records from being loaded to the database. If they should be included
on the FFIEC database, the data must be corrected. Examples range from
incorrect activity dates to duplicate records (indicate that the
property combination for those record identifiers was used more than
once).
Validity (V) Loan records that have factually or logically
incorrect information reported.
The most common example is an incorrect census tract.
Quality (Q) Loan records that have information that may pass
all syntactical and validity edits, but is statistically unusual and
is subject to further investigation or review to ascertain
correctness. An example is reported number of loans for specified loan
type and purpose does not agree with an expected standard for total
loan amount.
NOTE:
V125 compares the number of records reported on the transmittal
sheet to the number of records received in the submission. It
does not have to be corrected in order for the data to be
accepted as final and accurate. This edit is only performed to
verify that all data have been received.
An institution is expected to submit valid and accurate CRA data that
have been checked using edits approved for the particular calendar
year. Institutions with data submissions that have outstanding
Syntactical or Validity edits will result in an erroneous disclosure
statement because loan records with edits are NOT represented on the
disclosure statement. Data with Quality edits, if not corrected when
inaccurate, will cause an incorrect disclosure statement. Only an
error-free CRA submission will result in an accurate disclosure
statement.
2019 CRA EDIT CHANGES:
References to Home Equity loans (Optional Loan Type 04) were removed
from edits V905, V960, and V965. For more information, please see the
2019 CRA File Specifications.
EXPLANATION OF ASSESSMENT AREA EDITS
The Assessment Area may be reported by census tract. However, it is
permitted to report the Assessment Area property location information
at a summary level. "NA" in the MSA/MD field represents an area
outside of any Metropolitan Statistical Area. "NA" in the state,
county, or census tract field(s) represents the defined area (state,
county, or census tract) in its entirety. For example, an NA entry in
the census tract field represents all census tracts for the MSA or
MD/state/county combination represented.
Below are examples of how the property location information can be
reported on the Assessment Area record. Assume that each of these
examples are individual Assessment Areas. The combinations reported in
these examples represent MSA or MD/State/County/Census Tract
combinations.
47894/NA/NA/NA - The Assessment Area encompasses all census
tracts in MSA/MD 47894.
NA/56/013/NA - The Assessment Area encompasses all census
tracts in state 56 AND county 013 that are outside of an MSA/MD.
47894/51/059/NA - The Assessment Area encompasses all census
tracts in MSA/MD 47894, state 51, AND county 059.
47894/51/059/4220.00 - The Assessment Area encompasses only
census tract 4220.00 in county 059, state 51, and MSA/MD 47894.
+/-: INCLUDE/EXCLUDE PROPERTY LOCATIONS IN THE ASSESSMENT AREA
To include or exclude property locations in the Assessment Area, a "+"
or "-" is required to be indicated in the field prior to the property
location fields. The "+" indicates that the property location is to be
included in the Assessment Area. The
"-" represents an exclusion from the Assessment Area.
EXAMPLES: REPORTING ASSESSMENT AREAS USING INCLUDES AND EXCLUDES
The following examples illustrate how Assessment Areas should be
reported.
If your Assessment Area encompasses an entire MSA/MD, the data
should be reported as follows:
INCLUDE/
EXCLUDE (+/-)
MSA/MD
STATE
COUNTY
CENSUS TRACT
+
12260
NA
NA
NA
This example includes the entire MSA/MD. The (+) symbol indicates
"include" and NA indicates that all geographies located within MSA/MD
12260 are included.
If your Assessment Area encompasses an entire MSA/MD, less one
county located in the MSA/MD, the data should be reported as follows:
INCLUDE/
EXCLUDE (+/-)
MSA/MD
STATE
COUNTY
CENSUS TRACT
+
12060
NA
NA
NA
-
12060
13
151
NA
The example includes the entire MSA/MD, less one county located in
Georgia (13). The (-) symbol indicates "exclude".
A second example demonstrates an Assessment Area that encompasses an
entire MSA/MD, less three counties:
INCLUDE/
EXCLUDE (+/-)
MSA/MD
STATE
COUNTY
CENSUS TRACT
+
12060
NA
NA
NA
-
12060
13
151
NA
-
12060
13
063
NA
-
12060
13
067
NA
This example excludes three counties in the 12060 MSA/MD.
If your Assessment Area encompasses all census tracts in one
county (in one MSA/MD), the data should be reported as follows:
INCLUDE/
EXCLUDE (+/-)
MSA/MD
STATE
COUNTY
CENSUS TRACT
+
12060
13
089
NA
This example includes one county and all its census tracts (NA)
located in the 12060 MSA/MD.
If your Assessment Area encompasses several census tracts
located in one county of an MSA/MD, the data should be reported as
follows:
INCLUDE/
EXCLUDE (+/-)
MSA/MD
STATE
COUNTY
CENSUS TRACT
+
12060
13
089
0212.13
+
12060
13
089
0214.05
+
12060
13
089
0215.01
+
12060
13
089
0217.06
This example includes four census tracts in one county located in the
12060 MSA/MD.
If your Assessment Area encompasses a whole county with the
exception of one census tract in that county, the data should be
reported as follows:
INCLUDE/
EXCLUDE (+/-)
MSA/MD
STATE
COUNTY
CENSUS TRACT
+
12060
13
151
NA
-
12060
13
151
0701.01
This example includes the entire county less one census tract in that
county.
The aforementioned examples of how to define your Assessment Area are
not exhaustive.
SYNTACTICAL (S), VALIDITY (V), and QUALITY (Q) EDITS FOR THE COMMUNITY
REINVESTMENT ACT (CRA)
Composite Records: (Record Identifier = 3, 4, 5, 6, 7 and 8)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
S001
Record Identifier
Record identifier must = 3 (transmittal sheet),
4 (composite business), 5 (composite farm),
6 (community development), 7 (consortium/third-party), or 8
(Assessment Area).
Record identifier does not equal 3 (transmittal sheet), 4 (composite
business),
5 (composite farm), 6 (community development), 7
(consortium/third-party), or 8 (Assessment Area)
S002
Timestamp
Timestamp on record must be later than timestamp on the FFIEC database
and < the current date.
Record timestamp is earlier than, or equal to, timestamp on the FFIEC
database and/or greater than the current date
S003
Agency Code
Agency code must = 1, 2, or 3.
Agency code not in range 1-3
S004
Control Number
(Respondent ID/Agency Code)
Control number must = a valid Respondent ID/Agency Code combination
for year processed.
Invalid Respondent ID/Agency Code combination
S005
Timestamp
Timestamp on record must be numeric.
Record timestamp is missing or nonnumeric
S007
Activity Year
Activity Year must = year being processed. (=2019)
Activity Year missing or invalid
S008
Composite Business and Farm Records
If record identifier = 4 or 5, then MSA or MD/State/County/Census
Tract combination must be unique within the same record identifier.
MSA or MD/State/County/Census Tract combination is reported more than
once for record identifiers 4 or 5
S009
Transmittal Sheet, Community Development and Consortium/Third-Party
Records
Record identifiers 3, 6, and/or 7 may not be represented in a
submission more than once.
Record is reported more than once for record identifiers 3, 6, and/or
7
S010
Transmittal Sheet, Community Development and Assessment Area
Record identifiers 3, 6, and 8 must be represented in a submission.
Record is missing for record identifiers 3, 6, and/or 8
Transmittal Sheet: (Record Identifier = 3)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V100
Respondent Mailing Address
Respondent name, address, city, state, and zip must not be blank.
Respondent name, address, city, state, or zip is missing
V105
Contact Person's Name
Name of contact person must not be blank.
Name of contact person is missing
V110
Contact Person's Telephone Number
Contact person telephone number must be in
NNN-NNN-NNNN format and not = blank.
Telephone number for contact person is missing or not in valid format
V115
Tax Identification (ID) Number
Tax ID number must be in NN-NNNNNNN format, not = 00-0000000, and not
= blank.
Tax ID number is missing or not in valid format
V120
Contact Person’s Fax Number
Fax number must be in NNN-NNN-NNNN format and not = blank.
Fax number for contact person is missing or not in valid format
V125
Total Records
The number of records reported on the transmittal sheet does not equal
the total number of records received in this submission for the same
respondent or is missing.
Number of records reported on the transmittal sheet is missing or not
equal to the total number of records received in this submission for
the same respondent
V130
Respondent ID
Respondent ID must be in valid format and must not = blank.
Respondent ID is missing or not in valid format
V135
Agency Code
Agency code must = 1, 2, or 3.
Agency code not in range 1-3
V140
State
State must = a valid postal code abbreviation (i.e. VA for Virginia).
State does not equal a valid postal code abbreviation
V145
Zip Code
Zip code must be valid and in NNNNN format left justified or
NNNNN-NNNN.
Zip code not in valid format
V150
Respondent E-mail Address
E-mail address for contact person must be provided. The e-mail address
can only contain one @ symbol
Contact person’s e-mail address is missing or is an invalid format
Composite Records: Small Business (Record Identifier 4) and Small Farm
(Record Identifier 5)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V300
MSA/MD Number
MSA/MD number must = a valid MSA/MD number for year being processed or
NA for areas outside an MSA/MD.
MSA/MD number is missing, does not equal a valid MSA/MD number or NA
V305
State Code
State code must equal a valid FIPS code.
State code is missing or does not equal a valid FIPS code
Composite Records: Small Business (Record Identifier 4) and Small Farm
(Record Identifier 5)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V310
State/County
State and county must = a valid combination.
County missing or state/county does not equal a valid combination
V315
MSA (or MD)/State/County
If MSA/MD number does not = NA, then MSA/MD, state, and county must
equal a valid combination.
MSA (or MD)/state/county does not equal a valid combination
V317
MSA (or MD)/State/County
If MSA/MD number = NA, then state and county must equal a valid
combination outside a MSA/MD area.
MSA (or MD)/state/county does not equal a valid combination
V320
MSA (or MD)/State/County/Census Tract
Census tract must = a valid census tract number for the MSA (or
MD)/state/county combination, NA if the street address does not exist
OR a valid census tract number for the state/county combination where
MSA/MD = NA (outside a MSA/MD area).
Census tract is missing, does not equal a valid census tract number or
NA
V325
Number of Loans - Originated
(< $100,000)
Number of loans originated with loan amount at origination < $100,000
must be > 0.
Number of small business and/or small farm loans originated not > 0
V330
Loan Amount - Originated
(< $100,000)
Total loan amount of loans originated with loan amount at origination
< $100,000 must be > 0.
Total loan amount of small business and/or small farm loans originated
not > 0
V332
Loan Amount - Originated
(< $100,000)
If the total loan amount of loans originated with loan amount at
origination < $100,000 is > 0, then the number of loans originated
with loan amount at origination < $100,000 must be > 0.
Total loan amount of small business and/or farm loans originated > 0
and number of loans not > 0
V335
Average Loan Amount - Originated (< $100,000)
Average loan amount of loans originated with loan amount at
origination < $100,000 must be < $100,000.
Average loan amount of small business and/or small farm loans
originated not < $100,000
V340
Number of Loans - Purchased
(< $100,000)
Number of loans purchased with loan amount at origination < $100,000
must be > 0.
Number of small business and/or small farm loans purchased not > 0
V345
Loan Amount - Purchased
(< $100,000)
Total loan amount of loans purchased with loan amount at origination <
$100,000 must be > 0.
Total loan amount of small business and/or small farm loans purchased
not > 0
Composite Records: Small Business (Record Identifier 4) and Small Farm
(Record Identifier 5)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V347
Loan Amount - Purchased
(< $100,000)
If the total loan amount of loans purchased with loan amount at
origination < $100,000 is > 0, then the number of loans purchased with
loan amount at origination < $100,000 must be > 0.
Total loan amount of small business and/or farm loans purchased > 0
and number of loans not > 0
V350
Average Loan Amount - Purchased (< $100,000)
Average loan amount of loans purchased with loan amount at origination
< $100,000 must be < $100,000.
Average loan amount of small business and/or small farm loans
purchased not < $100,000
V355
Number of Loans - Originated
(> $100,000 and < $250,000)
Number of loans originated with loan amount at origination > $100,000
and < $250,000 must be > 0.
Number of small business and/or small farm loans originated not > 0
V357
Number of Loans - Originated
(> $100,000 and < $250,000)
If the number of loans originated with loan amount at origination >
$100,000 and < $250,000 is > 0, then the total loan amount of loans
originated with loan amount at origination > $100,000 and < $250,000
must be > 0.
Number of small business and/or farm loans originated > 0 and total
loan amount not > 0
V360
Loan Amount - Originated
(> $100,000 and < $250,000)
Total loan amount of loans originated with loan amount at
origination>$100,000 and < $250,000 must be > 0.
Total loan amount of small business and/or small farm loans originated
not > 0
V362
Loan Amount - Originated
(> $100,000 and < $250,000)
If the total loan amount of loans originated with loan amount at
origination > $100,000 and < $250,000 is > 0, then the number of loans
originated with loan amount at origination > $100,000 and < $250,000
must be > 0.
Total loan amount of small business and/or farm loans originated > 0
and number of loans not > 0
V365
Average Loan Amount -
Originated
(> $100,000 and < $250,000)
Average loan amount of loans originated with loan amount at
origination > $100,000 and < $250,000 must be > $100,000 and <
$250,000.
Average loan amount of small business and/or small farm loans
originated not > $100,000 and < $250,000
V370
Number of Loans - Purchased
(> $100,000 and < $250,000)
Number of loans purchased with loan amount at origination > $100,000
and < $250,000 must be > 0.
Number of small business and/or small farm loans purchased not > 0
Composite Records: Small Business (Record Identifier 4) and Small Farm
(Record Identifier 5)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V372
Number of Loans - Purchased
(> $100,000 and < $250,000)
If the number of loans purchased with loan amount at origination >
$100,000 and < $250,000 is > 0, then the total loan amount of loans
purchased with loan amount at origination > $100,000 and < $250,000
must be > 0.
Number of small business and/or farm loans purchased > 0 and total
loan amount not > 0
V375
Loan Amount - Purchased
(> $100,000 and < $250,000)
Total loan amount of loans purchased with loan amount at origination >
$100,000 and < $250,000 must be > 0.
Total loan amount of small business and/or small farm loans purchased
not > 0
V377
Loan Amount - Purchased
(> $100,000 and < $250,000)
If the total loan amount of loans purchased with loan amount at
origination > $100,000 and < $250,000 is > 0, then the number of loans
purchased with loan amount at origination > $100,000 and < $250,000
must be > 0.
Total loan amount of small business and/or farm loans purchased > 0
and number of loans not > 0
V380
Average Loan Amount -
Purchased
(> $100,000 and < $250,000)
Average loan amount of loans purchased with loan amount at origination
> $100,000 and < $250,000 must be > $100,000 and < $250,000.
Average loan amount of small business and/or small farm loans
purchased not > $100,000 and < $250,000
V385
Number of Loans - Originated
(> $250,000)
Number of loans originated with loan amount at origination > $250,000
must be > 0.
Number of small business and/or small farm loans originated not > 0
V387
Number of Loans - Originated
(> $250,000)
If the number of loans originated with loan amount at origination >
$250,000 is > 0, then the total loan amount of loans originated with
loan amount at origination > $250,000 must be > 0.
Number of small business and/or farm loans originated > 0 and total
loan amount not > 0
V390
Loan Amount - Originated
(> $250,000)
Total loan amount of loans originated with loan amount at origination
> $250,000 must be > 0.
Total loan amount of small business and/or small farm loans originated
not > 0
V392
Loan Amount - Originated
(> $250,000)
If the total loan amount of loans originated with loan amount at
origination > $250,000 is > 0, then the number of loans originated
with loan amount at origination > $250,000 must be > 0.
Total loan amount of small business and/or farm loans originated > 0
and number of loans not > 0
Composite Records: Small Business (Record Identifier 4) and Small Farm
(Record Identifier 5)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V395
Average Loan Amount - Originated (> $250,000)
Average loan amount of loans originated with loan amount at
origination > $250,000 must be > $250,000.
Average loan amount of small business and/or small farm loans
originated not > $250,000
V400
Number of Loans - Purchased
(> $250,000)
Number of loans purchased with loan amount at origination > $250,000
must be > 0.
Number of small business and/or small farm loans purchased not > 0
V402
Number of Loans - Purchased
(> $250,000)
If the number of loans purchased with loan amount at origination >
$250,000 is > 0, then the total loan amount of loans purchased with
loan amount at origination > $250,000 must be > 0.
Number of small business and/or farm loans purchased > 0 and total
loan amount not > 0
V405
Loan Amount - Purchased
(> $250,000)
Total loan amount of loans purchased with loan amount at origination >
$250,000 must be > 0.
Total loan amount of small business and/or small farm loans purchased
not > 0
V407
Loan Amount - Purchased
(> $250,000)
If the total loan amount of loans purchased with loan amount at
origination > $250,000 is > 0, then the number of loans purchased with
loan amount at origination > $250,000 must be > 0.
Total loan amount of small business and/or farm loans purchased > 0
and number of loans not > 0
V410
Average Loan Amount - Purchased (> $250,000)
Average loan amount of loans purchased with loan amount at origination
> $250,000 must be > $250,000.
Average loan amount of small business and/or small farm loans
purchased not > $250,000
V415
Number of Loans -
Originated & Purchased
(where revenues < $1 million)
The total number of loans where gross annual revenues are < $1 million
must be > 0 and must equal the sum of the number of loans originated
where gross annual revenues are < $1 million and the number of loans
purchased where gross annual revenues are
< $1 million reported in this record.
The total number of loans where gross annual revenues are < $1 million
not > 0 and/or does not equal the sum of the number of loans
originated where gross annual revenues are < $1 million and the number
of loans purchased where gross annual revenues are < $1 million
reported in this record
Composite Records: Small Business (Record Identifier 4) and Small Farm
(Record Identifier 5)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V420
Loan Amount -
Originated & Purchased
(where revenues < $1 million)
The total loan amount of loans where gross annual revenues are < $1
million must be > 0 and must equal the sum of the loan amount of loans
originated where gross annual revenues are < $1 million and the loan
amount of loans purchased where gross annual revenues are < $1 million
reported in this record.
The total loan amount of loans where gross annual revenues are < $1
million not > 0 and/or does not equal the sum of the loan amount of
loans originated where gross annual revenues are < $1 million and the
loan amount of loans purchased where gross annual revenues are < $1
million reported in this record
V425
Number of Loans -
Originated & Purchased
(affiliate loans)
The total number of loans reported as affiliate loans must be > 0 and
must equal the sum of the number of loans originated reported as
affiliate loans and the number of loans purchased reported as
affiliate loans reported in this record.
The total number of loans reported as affiliate loans not > 0 and/or
does not equal the sum of the number of loans originated reported as
affiliate loans and the number of loans purchased reported as
affiliate loans reported in this record
V430
Loan Amount -
Originated & Purchased
(affiliate loans)
The total loan amount of loans reported as affiliate loans must be > 0
and must equal the sum of the loan amount of loans originated reported
as affiliate loans and the loan amount of loans purchased reported as
affiliate loans reported in this record.
The total loan amount of loans reported as affiliate loans not > 0
and/or does not equal the sum of the loan amount of loans originated
reported as affiliate loans and the loan amount of loans purchased
reported as affiliate loans reported in this record
V435
Number of Loans - Originated
(where revenues < $1 million)
Number of loans originated where gross annual revenues are < $1
million must be > 0 and must not exceed the total number of loans
originated reported in this record.
Number of small business and/or small farm loans originated where
gross annual revenues are < $1 million not > 0 and/or exceeds the
total number of loans originated reported in this record
V437
Number of Loans - Originated
(where revenues < $1 million)
If the number of loans originated where gross annual revenues are < $1
million is equal to the total number of loans originated reported in
this record, then the total loan amount of loans originated where
gross annual revenues are < $1 million must = the total loan amount
for all originated loans reported in this record.
Number of small business and/or small farm loans originated where
gross annual revenues are < $1 million = to the total number of loans
originated reported in this record AND the total loan amount of loans
originated where gross annual revenues are < $1 million does not = the
total loan amount for all originated loans reported in this record
Composite Records: Small Business (Record Identifier 4) and Small Farm
(Record Identifier 5)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V440
Loan Amount - Originated
(where revenues < $1 million)
Total loan amount of loans originated where gross annual revenues < $1
million must be > 0 and must not exceed the total loan amount for all
originated loans reported in this record.
Total loan amount of small business and/or small farm loans originated
where gross annual revenues are < $1 million not > 0 and/or exceeds
the total loan amounts originated for this record
V442
Loan Amount - Originated
(where revenues < $1 million)
If the total loan amount of loans originated where gross annual
revenues are < $1 million is > 0, then the total number of loans
originated where gross annual revenues are < $1 million must be > 0.
Total loan amount of small business and/or small farm loans originated
where gross annual revenues are < $1 million > 0 and number of loans
not > 0
V445
Number of Loans - Purchased
(where revenues < $1 million)
Number of loans purchased where gross annual revenues are < $1 million
must be > 0 and must not exceed the total number of loans purchased
reported in this record.
Number of small business and/or small farm loans purchased where gross
annual revenues are < $1 million not > 0 and/or exceeds the total
number of loans purchased reported in this record
V447
Number of Loans - Purchased
(where revenues < $1 million)
If the number of loans purchased where gross annual revenues are < $1
million is equal to the total number of loans purchased reported in
this record, then the total loan amount of loans purchased where gross
annual revenues are < $1 million must = the total loan amount for all
purchased loans reported in this record.
Number of small business and/or small farm loans purchased where gross
annual revenues are < $1 million = to the total number of loans
purchased reported in this record AND the total loan amount of loans
purchased where gross annual revenues are < $1 million does not = the
total loan amount for all purchased loans reported in this record
V450
Loan Amount - Purchased
(where revenues < $1 million)
Total loan amount of loans purchased where gross annual revenues < $1
million must be > 0 and must not exceed the total loan amount for all
purchased loans reported in this record.
Total loan amount of small business and/or small farm loans purchased
where gross annual revenues are < $1 million not > 0 and/or exceeds
the total loan amounts purchased for this record
V452
Loan Amount - Purchased
(where revenues < $1 million)
If the total loan amount of loans purchased where gross annual
revenues are < $1 million is > 0, then the total number of loans
purchased where gross annual revenues are < $1 million must be > 0.
Total loan amount of small business and/or small farm loans purchased
where gross annual revenues are < $1 million > 0 and number of loans
not > 0
Composite Records: Small Business (Record Identifier 4) and Small Farm
(Record Identifier 5)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V455
Number of Loans - Originated
(affiliate loans)
Number of loans originated reported as affiliate loans must be > 0 and
must not exceed the total number of loans originated reported in this
record.
Number of small business and/or small farm loans originated reported
as affiliate loans not > 0 and/or exceeds the total number of loans
originated reported in this record
V457
Number of Loans - Originated
(affiliate loans)
If the number of loans originated reported as affiliate loans is equal
to the total number of loans originated reported in this record, then
the total loan amount of loans originated reported as affiliate loans
must = the total loan amount for all originated loans reported in this
record.
Number of small business and/or small farm loans originated reported
as affiliate loans = to the total number of loans originated reported
in this record AND the total loan amount of loans originated reported
as affiliate loans does not = the total loan amount for all originated
loans reported in this record
V460
Loan Amount - Originated
(affiliate loans)
Total loan amount of loans originated reported as affiliate loans must
be > 0 and must not exceed the total loan amount of loans originated
reported in this record.
Total loan amount of small business and/or small farm loans originated
reported as affiliate loans not > 0 and/or exceeds the total loan
amount of loans originated reported in this record
V462
Loan Amount - Originated
(affiliate loans)
If the total loan amount of loans originated reported as affiliate
loans is > 0, then the number of loans originated reported as
affiliate loans must be > 0.
Total loan amount of small business and/or small farm loans originated
reported as affiliate loans > 0 and number of loans originated not > 0
V465
Number of Loans - Purchased
(affiliate loans)
Number of loans purchased reported as affiliate loans must be > 0 and
must not exceed the total number of loans purchased reported in this
record.
Number of small business and/or small farm loans purchased reported as
affiliate loans not > 0 and/or exceeds the total number of loans
purchased reported in this record
V467
Number of Loans - Purchased
(affiliate loans)
If the number of loans purchased reported as affiliate loans is equal
to the total number of loans purchased reported in this record, then
the total loan amount of loans purchased reported as affiliate loans
must = the total loan amount for all purchased loans reported in this
record.
Number of small business and/or small farm loans purchased reported as
affiliate loans = to the total number of loans purchased reported in
this record AND the total loan amount of loans purchased reported as
affiliate loans does not = the total loan amount for all purchased
loans reported in this record
Composite Records: Small Business (Record Identifier 4) and Small Farm
(Record Identifier 5)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V470
Loan Amount - Purchased
(affiliate loans)
Total loan amount of loans purchased reported as affiliate loans must
be > 0 and must not exceed the total loan amount of loans purchased
reported in this record.
Total loan amount of small business and/or small farm loans purchased
reported as affiliate loans not > 0 and/or exceeds the total loan
amount of loans purchased reported in this record
V472
Loan Amount - Purchased
(affiliate loans)
If the total loan amount of loans purchased reported as affiliate
loans is > 0, then the number of loans purchased reported as affiliate
loans must be > 0.
Total loan amount of small business and/or small farm loans purchased
reported as affiliate loans > 0 and number of loans purchased not > 0
Community Development Loans: (Record Identifier = 6)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V600
Number of Loans -
Originated & Purchased
Number of community development loans (originated & purchased) must be
> 0.
Number of community development loans (originated & purchased) not > 0
V605
Loan Amount -
Originated & Purchased
Total loan amount of community development loans (originated &
purchased) must be > 0.
Total loan amount of community development loans (originated &
purchased) not > 0
V610
Number of Loans -
Originated & Purchased
(affiliate loans)
Number of community development loans (originated & purchased)
reported as affiliate loans must be > 0 and must not exceed the total
number of community development loans reported.
Number of community development loans (originated & purchased)
reported as affiliate loans not > 0 and/or exceeds the total number of
community development loans reported
V615
Loan Amount -
Originated & Purchased
(affiliate loans)
Total loan amount of community development loans (originated &
purchased) reported as affiliate loans must be > 0 and must not exceed
the total loan amount of community development loans reported.
Total loan amount of community development loans (originated &
purchased) reported as affiliate loans not > 0 and/or exceeds the
total loan amount of community development loans reported
V620
Number of Loans - Originated
Number of community development loans originated must be > 0.
Number of community development loans originated not > 0
Community Development Loans: (Record Identifier = 6)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V625
Loan Amount - Originated
Total loan amount of community development loans originated must be >
0.
Total loan amount of community development loans originated not > 0
V627
Loan Amount - Originated
If the total loan amount of community development loans originated is
> 0, then the number of community development loans originated must be
> 0.
Total loan amount of community development loans originated > 0 and
number of loans not > 0
V630
Number of Loans - Purchased
Number of community development loans purchased must be > 0.
Number of community development loans purchased not > 0
V635
Loan Amount - Purchased
Total loan amount of community development loans purchased must be >
0.
Total loan amount of community development loans purchased not > 0
V637
Loan Amount - Purchased
If the total loan amount of community development loans purchased is >
0, then the number of community development loans purchased must be >
0.
Total loan amount of community development loans purchased > 0 and
number of loans not > 0
V640
Total Number of Loans -
Originated & Purchased
The sum of the number of community development loans originated and
the number of community development loans purchased must equal the
total number of community development loans reported.
The sum of the number of community development loans originated and
the number of community development loans purchased does not = the
total number of community development loans reported
V642
Total Loan Amount -
Originated & Purchased
The sum of the total loan amount of community development loans
originated and the total loan amount of community development loans
purchased must equal the total loan amount of community development
loans reported.
The sum of the total loan amount of community development loans
originated and the total loan amount of community development loans
purchased does not = the total loan amount of community development
loans reported
V645
Number of Loans - Originated
(affiliate loans)
Number of community development loans originated reported as affiliate
loans must be > 0 and must not exceed the total number of community
development loans originated reported.
Number of community development loans originated reported as affiliate
loans not > 0 and/or exceeds the total number of community development
loans originated reported
Community Development Loans: (Record Identifier = 6)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V650
Loan Amount - Originated
(affiliate loans)
Total loan amount of community development loans originated reported
as affiliate loans must be > 0 and must not exceed the total loan
amount of community development loans originated reported.
Total loan amount of community development loans originated reported
as affiliate loans > 0 and/or exceeds the total loan amount of
community development loans originated reported
V652
Loan Amount - Originated
(affiliate loans)
If the total loan amount of community development loans originated
reported as affiliate loans is > 0, then the number of community
development loans originated reported as affiliate loans must be > 0.
Total loan amount of community development loans originated reported
as affiliate loans > 0 and number of loans not > 0
V655
Number of Loans - Purchased
(affiliate loans)
Number of community development loans purchased reported as affiliate
loans must be > 0 and must not exceed the total number of community
development loans purchased reported.
Number of community development loans purchased reported as affiliate
loans not
> 0 and/or exceeds the total number of community development loans
purchased reported
V660
Loan Amount - Purchased
(affiliate loans)
Total loan amount of community development loans purchased reported as
affiliate loans must be > 0 and must not exceed the total loan amount
of community development loans purchased reported.
Total loan amount of community development loans purchased reported as
affiliate loans not > 0 and/or exceeds the total loan amount of
community development loans purchased reported
V662
Loan Amount - Purchased
(affiliate loans)
If the total loan amount of community development loans purchased
reported as affiliate loans is > 0, then the number of community
development loans purchased reported as affiliate loans must be > 0.
Total loan amount of community development loans purchased reported as
affiliate loans > 0 and number of loans not > 0
V665
Total Number of Loans -
Originated & Purchased
(affiliate loans)
The sum of the number of community development loans originated
reported as affiliate loans and the number of community development
loans purchased reported as affiliate loans must equal the total
number of community development loans reported as affiliate loans.
The sum of the number of community development loans originated and
the number of community development loans purchased reported as
affiliate loans does not = the total number of community development
loans reported as affiliate loans
V667
Total Loan Amount -
Originated & Purchased
(affiliate loans)
The sum of the total loan amount of community development loans
originated reported as affiliate loans and the total loan amount of
community development loans purchased reported as affiliate loans must
equal the total loan amount of community development loans reported as
affiliate loans.
The sum of the total loan amount of community development loans
originated and the total loan amount of community development loans
purchased reported as affiliate loans does not = the total loan amount
of community development loans reported as affiliate loans
Consortium/Third-Party Loans (Record Identifier = 7)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V700
Number of Loans -
Originated & Purchased
Number of consortium/third-party loans (originated & purchased) must
be > 0.
Number of consortium/third-party loans (originated & purchased) not >
0
V705
Loan Amount -
Originated & Purchased
Total loan amount of consortium/third-party loans (originated &
purchased) must be > 0.
Total loan amount of consortium/third-party loans (originated &
purchased) not > 0
V710
Number of Loans - Originated
Number of consortium/third-party loans originated must be > 0.
Number of consortium/third-party loans originated not > 0
V715
Loan Amount - Originated
Total loan amount of consortium/third-party loans originated must be >
0.
Total loan amount of consortium/third-party loans originated not > 0
V717
Loan Amount - Originated
If the total loan amount of consortium/third-party loans originated is
> 0, then the number of consortium/third-party loans originated must
be > 0.
Total loan amount of consortium/third-party loans originated > 0 and
number of loans not > 0
V720
Number of Loans - Purchased
Number of consortium/third-party loans purchased must be > 0.
Number of consortium/third-party loans purchased not > 0
V725
Loan Amount - Purchased
Total loan amount of consortium/third-party loans purchased must be >
0.
Total loan amount of consortium/third-party loans purchased not > 0
V727
Loan Amount - Purchased
If the total loan amount of consortium/third-party loans purchased is
> 0, then the number of consortium/third-party loans purchased must be
> 0.
Total loan amount of consortium/third-party loans purchased > 0 and
number of loans not > 0
Consortium/Third-Party Loans (Record Identifier = 7)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V730
Total Number of Loans -
Originated & Purchased
The sum of the number of consortium/third-party loans originated and
the number of consortium/third-party loans purchased must equal the
total number of consortium/third-party loans reported.
The sum of the number of consortium/third-party loans originated and
the number of consortium/third-party loans purchased does not = the
total number of consortium/third-party loans reported
V735
Total Loan Amount -
Originated & Purchased
The sum of the total loan amount of consortium/third-party loans
originated and the total loan amount of consortium/third-party loans
purchased must equal the total loan amount of consortium/third-party
loans reported.
The sum of the total loan amount of consortium/third-party loans
originated
and the total loan amount of consortium/third-party loans purchased
does not = the total loan amount of consortium/third-party loans
reported
Assessment Area: (Record Identifier = 8)
V8001
Military Personnel Flag
Military personnel flag must = 1 or 2.
Military personnel flag not = 1 or 2
V801
Military Personnel Flag
If military personnel flag = 1, then the Assessment Area must include
at least one Assessment Area record.
Military personnel flag = 1 and does not include at least one
Assessment Area
V802
Military Personnel Flag
If military personnel flag = 2, then the Assessment Area must include
only one Assessment Area record.
Military personnel flag = 2, includes more than one Assessment Area
V805
Assessment Area Number
Assessment Area Number must = 0001-9999.
Assessment Area Number not = 0001-9999
V810
+/-
Include/Exclude must = + or -.
Include/Exclude not = + or -
V815
+/-
Area Included already included previously in this Assessment Area.
Geography already included in this Assessment Area
V817
+/-
Area Included already included in a different Assessment Area.
Geography already included in a different Assessment Area
V820
+/-
Area Excluded already excluded previously in this Assessment Area.
Geography already excluded in this Assessment Area.
V825
+/-
Area Excluded must first be designated as included in this Assessment
Area.
Geography not included in this Assessment Area prior to exclusion
Assessment Area: (Record Identifier = 8)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V830
+/-
Sum of area excluded and area included = a null value.
Area excluded offsets the area included; Net result is no Assessment
Area defined
V835
MSA/MD Number
MSA/MD number must = a valid MSA/MD number for year being processed or
NA.
MSA/MD number is missing, does not equal NA or a valid MSA/MD number
V840
State Code
State code must = a valid FIPS code or NA.
State code does not equal a valid FIPS code or NA
V842
State Code
If state code = NA, then county code must = NA.
The state code equals NA and the county code does not equal NA
V843
State Code
If state code = a valid FIPS code and county code = NA, then the
MSA/MD number must equal a valid MSA/MD number.
The state code equals a valid FIPS code and the MSA/MD does not equal
a valid MSA/MD number
V845
State/County
If state does not = NA, state and county must equal a valid
combination or county = NA.
State/county does not equal a valid combination or county does not =
NA
V847
State/County
If MSA/MD = NA, then there must be a valid state and county
combination.
State/county does not equal a valid combination
V850
MSA (or MD)/State/County
If MSA/MD does not = NA, then MSA/MD, state, and county must equal a
valid combination or (MSA/MD and state must equal a valid combination
where county = NA).
MSA (or MD)/State/County does not equal a valid combination
V852
Census Tract
If the MSA (or MD)/state/county combination is valid, then the census
tract must = a valid census tract number for that combination or NA.
Census tract does not equal a valid census tract number for the
property combination or NA
V855
Census Tract
If MSA/MD = NA, then the census tract must = NA or the
state/county/tract must equal a valid combination outside a MSA/MD
area.
Census tract does not equal a valid census tract number for the
property combination or NA
V857
Census Tract
If County = NA, then the Census tract must = NA.
The Census Tract = NA and the county does not = NA
Micro Data: (Record Identifier = 9)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V900
Loan Number
Loan number must not be blank.
Loan number missing
V902
Loan Number
Loan number must be unique for type of loan.
Loan number already exists for loan type
V905
Type of Loan
Type of loan must = 01, 02, 03, 05, 06, 07, 08, or 09.
Type of loan is not 01, 02, 03, 05, 06, 07, 08 or 09
V910
Loan Amount at Origination
Loan amount at origination must be > 0, OR NA if loan amount at
origination is < $500.00.
Loan amount must be numeric, greater than zero, and rounded to the
nearest whole number or NA
V915
Action Taken Type
Action taken type must = 1 or 6.
Action taken type not equal to 1 or 6
V920
Action Taken Date
Action taken date must be in ccyymmdd format; month and day must be in
the range 01-12 and 01-31, respectively. CC, YY, MM, and DD must be
numeric and a valid combination.
Century and/or Year and/or Month and/or Day not valid
V925
Action Taken Date
Year (CCYY) of action taken date must = activity year for period being
processed. (=2019)
Year for action taken does not match activity year
V930
MSA/MD Number
MSA/MD must = a valid MSA/MD number for year being processed or NA.
MSA/MD number is missing, does not equal NA or a valid MSA/MD number
V935
State Code
State code must equal a valid FIPS code.
State code is missing or does not equal a valid FIPS code
V940
State/County Codes
State and County must = a valid combination.
County missing or state/county does not equal a valid combination
V945
MSA (or MD)/State/County
If MSA/MD number does not = NA, then MSA/MD, state, and county must
equal a valid combination.
MSA (or MD)/state/county does not equal a valid combination
V947
MSA (or MD)/State/County
If MSA/MD number = NA, then state and county must equal a valid
combination outside a MSA/MD area.
MSA (or MD)/state/county does not equal a valid combination
V950
MSA (or MD)/State/County/Census Tract
Census tract must = a valid census tract number for the MSA (or
MD)/state/county combination, NA if the street address does not exist
OR a valid census tract number for the state/county combination where
MSA/MD = NA (outside a MSA/MD area).
Census tract is missing, does not equal a valid census tract number or
NA
Micro Data: (Record Identifier = 9)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
V955
Business/Farm Annual Revenue
If type of loan = 01, 02, or 03, then Business/Farm annual revenue
must = 1, 2, or 3.
Business/farm annual revenue does not equal 1, 2, or 3.
V960
Business/Farm Annual Revenue
If type of loan = 05, 06, 07, 08, or 09, then business/farm annual
revenue must = 4.
Consumer loan reported and business/farm revenue does not equal 4
V965
Income: Consumer Loans
If type of loan = 05, 06, 07, 08, or 09, then consumer loan income
must be numeric and > 0.
Consumer loan reported and consumer loan income not numeric and > 0
V970
Income: Consumer Loans
If type of loan = 01, 02, or 03, then consumer loan income must =
0000.
Business/farm loan reported and consumer loan income does not equal
0000.
V975
Affiliate Lending Flag
Affiliate lending flag must = 1 or 2.
Affiliate lending flag not = 1 or 2
Composite Records: Small Business (Record Identifier 4) and Small Farm
(Record Identifier 5)
Q300
Average Loan Amount - Originated (> $250,000) Small Business
Average loan amount of small business loans originated with loan
amount at origination > $250,000 must be > $250,000 and < $1 million.
Average loan amount of small business loans originated not > $250,000
and < $1 million
Q305
Average Loan Amount - Originated (> $250,000) Small Farm
Average loan amount of small farm loans originated with loan amount at
origination > $250,000 must be > $250,000 and < $500,000.
Average loan amount small farm loans originated not > $250,000 and <
$500,000
Q400
Average Loan Amount - Purchased (> $250,000) Small Business
Average loan amount of small business loans purchased with loan amount
at origination > $250,000 must be > $250,000 and < $1 million.
Average loan amount of small business loans purchased not > $250,000
and < $1 million
Q405
Average Loan Amount - Purchased (> $250,000) Small Farm
Average loan amount of small farm loans purchased with loan amount at
origination > $250,000 must be > $250,000 and < $500,000.
Average loan amount small farm loans purchased not > $250,000 and <
$500,000
Community Development Loans: (Record Identifier = 6)
Q600
Average Loan Amount -
Originated
Average loan amount of community development loans originated must be
< $10 million.
Average loan amount of community development loans originated not <
$10 million
Community Development Loans: (Record Identifier = 6)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
Q605
Average Loan Amount -
Purchased
Average loan amount of community development loans purchased must be <
$10 million.
Average loan amount of community development loans purchased not < $10
million
Q610
Average Loan Amount -
Originated (affiliate loans)
Average loan amount of community development loans originated reported
as affiliate loans must be < $10 million.
Average loan amount of community development loans originated reported
as affiliate loans not < $10 million
Q615
Average Loan Amount -
Purchased (affiliate loans)
Average loan amount of community development loans purchased reported
as affiliate loans must be < $10 million.
Average loan amount of community development loans purchased reported
as affiliate loans not < $10 million
Q620
Number of Loans - Originated
If the number of community development loans originated is > 0, then
the total loan amount of community development loans originated should
be
> 0.
Number of community development loans originated > 0 and total loan
amount not > 0
Q625
Number of Loans - Purchased
If the number of community development loans purchased is > 0, then
the total loan amount of community development loans purchased should
be > 0.
Number of community development loans purchased > 0 and total loan
amount not > 0
Q630
Number of Loans - Originated
(affiliate loans)
If the number of community development loans originated reported as
affiliate loans is > 0, then the total loan amount of community
development loans originated reported as affiliate loans should be >
0.
Number of community development loans originated reported as affiliate
loans > 0 and total loan amount not > 0
Q635
Number of Loans - Purchased
(affiliate loans)
If the number of community development loans purchased reported as
affiliate loans is > 0, then the total loan amount of community
development loans purchased reported as affiliate loans should be > 0.
Number of community development loans purchased reported as affiliate
loans > 0 and total loan amount not > 0
Consortium/Third-Party Loans (Record Identifier = 7)
Q700
Average Loan Amount -
Originated
Average loan amount of consortium/third-party loans originated must be
< $10 million.
Average loan amount of consortium/third-party loans originated not <
$10 million
Consortium/Third-Party Loans (Record Identifier = 7)
EDCK
Transaction Item(s)
Edit Test
Edit Explanation
Q705
Average Loan Amount -
Purchased
Average loan amount of consortium/third-party loans purchased must be
< $10 million.
Average loan amount of consortium/third-party loans purchased not <
$10 million
Q710
Number of Loans - Originated
If the number of consortium/third-party loans originated is > 0, then
the total loan amount of consortium/third-party loans originated
should be > 0.
Number of consortium/third-party loans originated > 0 and total loan
amount not > 0
Q715
Number of Loans - Purchased
If the number of consortium/third-party loans purchased is > 0, then
the total loan amount of consortium/third-party loans purchased should
be > 0.
Number of consortium/third-party loans purchased > 0 and total loan
amount not > 0
Micro Data: (Record Identifier = 9)
Q900
Loan Amount at Origination -
Small Business
If loan type = 01, then loan amount must be
< $1 million.
Small business loan amount not < $1 million
Q905
Loan Amount at Origination -
Small Farm
If loan type = 02, then loan amount must be
< $500,000.
Small farm loan amount not < $500,000
1 1 If an institution considers itself predominantly serving the
military or their dependents (Military Personnel Flag = 2), then edits
V805-V857 will not be performed.