Field 31OptionalCompliance Fields

    Metro 2 Field 31: Special Comment

    Two-character code providing additional context about the account. Can explain circumstances or provide compliance information.

    Quick Reference

    Field Number:31
    Position:213-214
    Length:2 characters
    Type:code
    Record:Base Segment
    Required:No

    Allowed Values

    ValueMeaning
    No special comment
    ACAccount closed by consumer
    AUAccount closed due to inactivity
    BDispute resolved - consumer disagrees
    CClosed
    DAccount in dispute
    HAccount holder deceased
    JAccount is joint
    MAccount was current when transferred
    OAccount was delinquent when transferred
    SSpecial handling - contact creditor
    VVoluntarily closed

    Validation Rules

    • Must be valid special comment code if provided

    Examples

    ACAU

    Common Errors

    • Using comment that conflicts with status
    • Not removing temporary comments when resolved

    Tips & Best Practices

    • Use 'AC' when consumer requests closure
    • Use 'D' during active disputes
    • Remove dispute comment when resolved

    Related Fields

    17A
    Account Status
    A two-character code indicating the current status of the ac...
    33
    Consumer Information Indicator
    Provides additional consumer-level information such as milit...

    Other Compliance Fields

    32Compliance Condition Code33Consumer Information Indicator

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