72Government Obligations
Account Type Code 72: Government Fee for Service
Account Type Code 72 means "Government Fee for Service". An unpaid charge for a service a government entity actually provided to the consumer, such as a permit, inspection, or municipal service charge. It is reported in Account Type (Field 15) of the Base Segment, 2 characters at position 84.
Specification
| Code | 72 |
|---|---|
| Meaning | Government Fee for Service |
| Field | Account Type (Field 15) |
| Record | Base Segment |
| Length / position | 2 chars · 84–85 |
| Category | Government Obligations |
| CRRG reference | CRRG Exhibits 1 & 2 (Account Type Codes) |
What Account Type Code 72 means
- Transactional, not punitive. The government delivered something and billed for it.
- Distinct from a fine (71), which is imposed as a penalty, and from an overpayment (70 or 75), which recovers money paid out in error.
- Distinct from a utility open account (92) when the service is furnished by a municipal utility as an ongoing metered service. Code 72 covers the discrete government service charge, not a recurring utility billing relationship.
- Does NOT mean a tax. A tax obligation is not a fee for a service rendered and should not be shoehorned into this code.
- Reported as Portfolio Type I because unpaid service charges are typically placed on a repayment schedule when they are furnished at all.
When to report 72
- 1A municipal agency reports an unpaid inspection or permit fee placed on an installment repayment plan.
- 2An agency reports a service charge being repaid monthly after an initial billing went unpaid.
- 3An agency reports a service fee obligation paid in full and closes the tradeline.
- 4An agency reports a service fee obligation that went delinquent under its repayment plan.
- 5An agency reports a fee obligation that was adjusted downward after a billing correction.
Reporting rules
- Report the billed amount as the Original Loan Amount and the unpaid portion as the Current Balance.
- Do not describe the specific service in a name or memo field beyond what the agency's subscriber identity already conveys.
- Correct the balance when a billing error is found rather than opening a corrected duplicate tradeline.
- Do not use this Account Type for an ongoing metered utility relationship; that is Account Type 92, Portfolio Type O.
- Report the account as satisfied with a zero balance when it is paid, rather than dropping it mid-history.
Codes and fields that must agree
A file can be structurally valid and still be wrong. These are the cross-field conditions Account Type Code 72 has to satisfy.
- Portfolio Type must be I (Installment), which distinguishes it from the Open-portfolio utility and service codes.
- Portfolio Type I requires Terms Duration and Scheduled Monthly Payment, so a fee furnished as Portfolio Type I needs a repayment schedule behind it.
- Credit Limit must be blank or zero.
- If your agency bills the charge cyclically and the whole balance is due each cycle, the Open-portfolio codes describe that behaviour better; a cyclical balance reported with Portfolio Type I will fail terms and payment edits.
- Amount Past Due must agree with the Payment History Profile and the Account Status.
- Date of First Delinquency runs from the first uncured missed payment under the repayment plan, and it must be populated as soon as the account is delinquent.
- Original Loan Amount is the billed charge and must be greater than zero; a billing correction moves Current Balance rather than restating the billed amount.
- Terms Frequency must agree with the Scheduled Monthly Payment. An installment plan reported with a frequency the payment amount does not match fails a terms edit.
- If the unpaid charge is later placed with a collection agency, that agency's Account Type 48 tradeline carries a K1 Original Creditor Name identifying your agency, and your tradeline must not keep reporting the same open balance.
Common errors involving 72
Vocabulary
Keep browsing
- All 56 account type codes — the full set with categories and cross-field rules.
- Metro 2 codes cheat sheet — every CRRG code set on one page.
- Account Type field reference — position, length, and validation rules.
- Metro 2 format reference
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