Special Comment Codes: Narrative Context

    Short codes that add nuance such as forbearance, refinance, or consumer requests.

    Updated 8/14/2025 · 1 min read
    On this page

    Use sparingly

    Only one special comment applies in a cycle. Use the most precise code that reflects the arrangement, and remove it when the condition ends to avoid unintended suppression or misinterpretation.

    Conflicts to avoid

    Avoid pairing hardship comments with statuses or amounts that imply no hardship. If a deferral exists, reflect it with K4 where appropriate and ensure alignment.

    Last updated
    8/14/2025
    Related topics