Metro 2 Consumer Information Indicator 2A: Lease Assumption

Specification

Code	2A
Meaning	Lease Assumption - Consumer No Longer Liable
Field	Consumer Information Indicator (Field 33)
Record	Base Segment
Length / position	2 chars · 217–218
Category	Lease Assumption
CRRG reference	CRRG Exhibit 11 (Consumer Information Indicator)

Records a transfer of liability, not a payoff. The lease continues in someone else's hands; it simply is not this consumer's obligation any more.
Per the source appendix, the account is treated like a paid or closed account for purging purposes once 2A applies.
It applies to leases. Do not use it for an ordinary sale, refinance, or transfer of a loan, which have their own reporting paths through Account Status and the K-segments.
It does not mean the lease went delinquent, was terminated early, or was surrendered. Those are different facts with different codes in other fields.
Like 1A, this is a two-character code, and a value truncated to one character will fail validation.
S removes 2A if it was reported in error. Q does not reach it.

1An auto lessor approves a lease transfer to a new lessee and the original lessee's tradeline is tagged 2A with a zero balance.
2A captive finance company processes a lease assumption through a third-party lease-swap marketplace and updates the original consumer's record.
3An equipment lessor transfers a consumer lease to an assuming party who passes credit review, and the original obligor is released.
4A furnisher corrects tradelines where an assumed lease continued reporting a balance against a consumer who had been formally released.

Report 2A only when the consumer has been formally released from liability. An informal side arrangement between two people does not release the obligor of record.
Zero the Current Balance and Amount Past Due for the released consumer in the same record, and populate Date Closed.
Do not continue reporting new delinquency against a consumer who was released. Post-assumption performance belongs to the assuming party.
Do not use 2A on a non-lease account.
If the assumption was reported in error, remove the indicator with S.

A file can be structurally valid and still be wrong. These are the cross-field conditions Consumer Information Indicator 2A has to satisfy.

Current Balance and Amount Past Due should be zero for the released consumer, because nothing is owed by them.
Account Status moves to a closed or paid condition. Account Status 13 (Paid/Closed - Zero Balance) is the usual result, and it requires the zero balance that 2A implies.
Date Closed is populated in the same record.
Portfolio Type stays as the lease was originally reported; an assumption does not reclassify the product.
The indicator is consumer-scoped. Where a J1 or J2 segment names a co-lessee who was NOT released, that consumer keeps reporting the obligation.