Metro 2 Consumer Information Indicator 1A: Personal Receivership

Specification

Code	1A
Meaning	Personal Receivership
Field	Consumer Information Indicator (Field 33)
Record	Base Segment
Length / position	2 chars · 217–218
Category	Receivership
CRRG reference	CRRG Exhibit 11 (Consumer Information Indicator)

A receivership places a consumer's assets or income under the control of a court-appointed receiver. It is a distinct legal proceeding from a bankruptcy case.
Purging treatment matches bankruptcy: the Date of First Delinquency freezes and the tag drives the same retention behaviour.
It has no chapter. Do not map a receivership to A, B, C, or D just because those codes are more familiar to your mapping table.
It is one of the codes the Q deletion code can remove, which is why Q is described as clearing A through H and 1A rather than only the bankruptcy codes.
The code is two characters. A field trimmed or padded incorrectly can turn 1A into a single character and fail validation, which is the most common mechanical error on this code and on 2A.

1A lender in a jurisdiction that uses consumer receivership proceedings receives a receiver's notice and tags the tradeline with 1A.
2A servicer receives a court order placing a borrower's income under a receiver and stops direct collection activity while continuing to furnish.
3A furnisher migrating from a legacy system finds receivership accounts previously mapped to a bankruptcy chapter code and corrects them to 1A.
4A bank's compliance review identifies receivership-flagged accounts whose DOFD was moved after the tag was applied and corrects the dates.

Use 1A only for a genuine personal receivership, never as a catch-all for any court proceeding you do not have a code for.
Report both characters. A single-character value in a two-byte field will not validate.
Freeze the Date of First Delinquency once 1A is on the record.
When the receivership ends and the indicator should come off, use Q. Blanking the field is not the documented removal path.
Do not use 1A to describe a business receivership on an account that is not a consumer obligation. Consumer credit reporting covers consumer obligations.

A file can be structurally valid and still be wrong. These are the cross-field conditions Consumer Information Indicator 1A has to satisfy.

Date of First Delinquency is frozen, exactly as with the bankruptcy codes.
Account Status continues to report the account's actual performance during the receivership.
Current Balance and Amount Past Due keep reporting what is genuinely owed. A receivership is not a payment.
The indicator applies to the consumer named on the segment it appears in, so a co-obligor not in receivership is not tagged.
Q removes 1A. S does not; S removes the reaffirmation and lease-assumption family.