Metro 2 Account Type Code 15: Personal Line of Credit

Specification

Code	15
Meaning	Personal Line of Credit
Field	Account Type (Field 15)
Record	Base Segment
Length / position	2 chars · 84–85
Category	Lines of Credit
CRRG reference	CRRG Exhibits 1 & 2 (Account Type Codes)

Reported with Portfolio Type C (Line of Credit), which is a distinct portfolio type from R (Revolving) and matters to models that treat card and non-card revolving credit differently.
Access is typically by transfer, check, or advance rather than by a payment-network card.
Does NOT cover a credit card, which is 18 and Portfolio Type R even though a card also revolves.
Does NOT cover a fixed-term personal loan the borrower cannot redraw. That is 01.
Does NOT cover a home-equity line. An equity line is secured by real property and belongs under the equity line-of-credit code, not under 15.

1A bank reports an unsecured personal line of credit attached to a checking account for overdraft protection and general draws.
2A credit union reports a member line of credit accessed by transfer through online banking.
3A lender reports a line of credit in its draw period where the borrower makes interest-only payments.
4A bank reports a line the consumer paid to zero but left open, so the available credit continues to help their utilization.
5A lender reports a personal line that was frozen for risk reasons, with the limit reduced and reported at the new lower figure.

Populate Credit Limit every cycle. It is the defining field of the product and the input to utilization.
Report the current limit, not the original one. A limit reduction that is never reported leaves the consumer's utilization understated and the file inaccurate.
Keep reporting a zero-balance open line. Dropping it costs the consumer the available credit and the account age.
Report the contractual minimum in Scheduled Monthly Payment Amount, including during an interest-only draw period.
Use 18 for card-accessed revolving credit and 89 for a home-equity line, so the collateral and access method are visible.

A file can be structurally valid and still be wrong. These are the cross-field conditions Account Type Code 15 has to satisfy.

Portfolio Type must be C (Line of Credit). Terms Duration is reported as LOC on a line-of-credit account, not as a month count and not as REV.
Credit Limit is required and meaningful. A Portfolio Type C account with a zero Credit Limit is a validation problem, because the limit is the product.
Current Balance may rise and fall freely between cycles. Unlike Portfolio Type I, an increase is not evidence of a data error.
Balance above limit is possible (fees, interest, over-limit draws) and is a flagged condition worth confirming against the current limit rather than a stale one.
Terms Frequency is M on a monthly-billed line.
A joint line is carried in ECOA with a J1 or J2 segment; a line that converts to a fixed repayment plan at the end of the draw period should be reported per your programme's convention consistently across the portfolio.