Metro 2 Account Type Code 93: Child-Support Obligation

Specification

Code	93
Meaning	Child-Support Obligation
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)

Created by a court order, not by a credit agreement. There is no underwriting, no note, and no lender.
Distinct from Account Type 50, which covers spousal or general family support. Code 93 is specifically child support.
Reported as Portfolio Type O because each ordered period is due in full and unpaid periods accumulate as arrears.
Does NOT mean an informal support arrangement. Without a court order, there is no obligation of the kind this code describes.
Recovery is frequently by income withholding, which means an obligor can be current in every period without making a conventional payment.

1A state child-support enforcement agency reports a court-ordered obligation being satisfied by income withholding, current in every period.
2An agency reports a support order with accumulated arrears after several unpaid periods.
3An agency reports arrears being repaid under a negotiated arrears payment schedule alongside the current ordered amount.
4An agency reports an obligation that terminated when the child reached majority, with arrears still owed.
5An agency reports an obligation fully satisfied, closing the tradeline at a zero balance.

Report accumulated arrears as the Current Balance and the ordered periodic amount in the payment fields.
Do not report the total future value of the order as a balance. Only amounts actually due and unpaid belong there.
Apply a court modification prospectively; do not restate prior periods to match a new order.
Do not identify the child or any other person in any field. The Base Segment names the obligor.
Continue reporting arrears after the ongoing obligation terminates, until the arrears are satisfied.

A file can be structurally valid and still be wrong. These are the cross-field conditions Account Type Code 93 has to satisfy.

Portfolio Type must be O (Open).
Portfolio Type O expects a Terms Duration of one period and a Terms Frequency that matches the ordered interval, which may legitimately be W (Weekly), B (Biweekly), S (Semimonthly) or M (Monthly). Defaulting to M when the order is weekly misstates when a period is missed.
Credit Limit must be blank or zero.
Amount Past Due should equal the currently delinquent arrears under the order and must reconcile with the Payment History Profile.
Date of First Delinquency is the first ordered period that went unpaid and was never cured, and it anchors the FCRA purge window as it would on any other obligation.
ECOA reporting is individual to the obligor. A joint ECOA code or an associated-consumer segment asserting shared liability contradicts the nature of a support order.
When the ongoing obligation terminates but arrears remain, the account stays open with a balance; a Date Closed reported while arrears are outstanding is a contradiction.
Scheduled Monthly Payment on an Open account is either blank or the amount currently ordered for the period, never an amortized figure derived from total arrears.
Highest Credit, where reported, should reflect the peak arrears balance rather than the ordered periodic amount.
Date Opened is the effective date of the order, and it must not postdate the Date of Account Information the record ships with.