Metro 2 Account Type Code 13: Lease

Specification

Code	13
Meaning	Lease
Field	Account Type (Field 15)
Record	Base Segment
Length / position	2 chars · 84–85
Category	Specialty and Industry-Specific
CRRG reference	CRRG Exhibits 1 & 2 (Account Type Codes)

Covers non-auto leases. The Appendix A source is explicit that an auto lease belongs under 3A, and 13 is everything else.
A lease is not a loan. The consumer is paying for use, and the lessor retains ownership, which changes what Current Balance means: it is the remaining contractual lease obligation, not an outstanding principal the consumer could pay off to own the item.
Does NOT cover a rental agreement for a dwelling. Residential rent is code 29 and Portfolio Type O.
Does NOT cover a rent-to-own contract that transfers ownership through the payment stream, which is closer to an installment sales contract under 06.
Early termination charges, excess-wear billings, and other end-of-term obligations are reported on the same tradeline rather than as a new account, which is why a lease tradeline can carry a balance after the term has ended.

1An equipment lessor reports a 36-month lease on business equipment carried in the consumer's name.
2A technology lessor reports a fixed-term device lease with monthly payments.
3A furniture lessor reports a lease that does not transfer ownership at the end of the term.
4A lessor reports a lease that ended early with a termination balance still owed by the lessee.
5A medical-equipment lessor reports a fixed-term consumer lease with a residual buyout option the lessee did not exercise.

Use 3A for a vehicle lease. Routing auto leases into 13 hides a large and distinctive product class from lenders reading the file.
Report the total of scheduled lease payments consistently with your programme's convention in Highest Credit, and apply the same convention across the whole portfolio. A mixed convention within one furnisher is indistinguishable from a data error.
Report the contractual monthly lease payment in Scheduled Monthly Payment Amount, and the amount actually received in Actual Payment Amount.
Do not report a residual buyout as a separate tradeline unless a genuinely new financing contract was written.
Close the tradeline with a zero balance at normal lease end rather than letting it linger with a residual figure.

A file can be structurally valid and still be wrong. These are the cross-field conditions Account Type Code 13 has to satisfy.

Portfolio Type must be I (Installment). That means Scheduled Monthly Payment Amount and a numeric Terms Duration in months are both required, and the Terms Duration should equal the lease term.
Credit Limit must be zero-filled. A lease is not a line of credit.
Current Balance represents the remaining lease obligation, which steps down with each scheduled payment, consistent with Portfolio Type I behaviour.
Terms Frequency is normally M and should match the lease billing cycle.
The K3 segment is absent. Leases are not real-estate obligations.
A co-lessee is carried in ECOA with a J1 or J2 segment, not by changing the account type.