Field 32OptionalCompliance Fields

    Metro 2 Field 32: Compliance Condition Code

    Indicates special regulatory or compliance conditions affecting the account. Often used during disputes or bankruptcies.

    Quick Reference

    Field Number:32
    Position:215-216
    Length:2 characters
    Type:code
    Record:Base Segment
    Required:No

    Allowed Values

    ValueMeaning
    No special condition
    XAConsumer deceased
    XBAccount closed due to transfer
    XCClosed at consumer request
    XDAccount in dispute under FCRA
    XEAccount in dispute - investigation complete
    XFAccount disputed - consumer disagrees
    XGDispute closed - furnisher verified
    XHAccount discharged in bankruptcy
    XIAccount included in bankruptcy
    XJBankruptcy Chapter 7
    XKBankruptcy Chapter 11
    XLBankruptcy Chapter 12
    XMBankruptcy Chapter 13

    Validation Rules

    • Must align with account status
    • Bankruptcy codes require corresponding status

    Examples

    XDXH

    Common Errors

    • Dispute code not removed after resolution
    • Wrong bankruptcy chapter code

    Tips & Best Practices

    • Use XD during active FCRA disputes
    • Update to XE/XF/XG when dispute resolved
    • Bankruptcy codes affect reporting timeline

    Related Fields

    31
    Special Comment
    Two-character code providing additional context about the ac...
    17A
    Account Status
    A two-character code indicating the current status of the ac...

    Other Compliance Fields

    31Special Comment33Consumer Information Indicator

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