Metro 2 Consumer Information Indicator D: Bankruptcy Chapter 13

Specification

Code	D
Meaning	Bankruptcy Chapter 13 - Petition Filed
Field	Consumer Information Indicator (Field 33)
Record	Base Segment
Length / position	2 chars · 217–218
Category	Bankruptcy Petition Filed
CRRG reference	CRRG Exhibit 11 (Consumer Information Indicator)

Chapter 13 reorganizes debt into a court-supervised repayment plan, typically over three to five years, for consumers with regular income.
D covers the filing and the period the plan is being paid. Completion of the plan is reported with H, not by leaving D in place forever.
Purging treatment matches the other petition codes: the DOFD freezes and the indicator persists for up to ten years.
Payments made through a trustee are still payments. Continue reporting the Payment History Profile and Actual Payment Amount truthfully while D is on the record.
D does not mean the account is current. If the account was delinquent when the petition was filed, that delinquency remains part of the history.
This is the code the product runtime emits for a Chapter 13 bankruptcy loan event, which corroborates the chapter mapping used across this set.

1A mortgage servicer receives a Chapter 13 petition on a loan that was 90 days past due and tags the account while the arrears are cured through the plan.
2An auto lender continues reporting a 72-month note that the consumer is paying through a confirmed Chapter 13 plan.
3A credit union tags a signature loan after receiving the trustee's notice of commencement.
4A furnisher receives trustee disbursements monthly and reflects them in Actual Payment Amount while D remains on the record.

Report D from the cycle the filing is known to you, and keep it while the plan runs.
Report H when the plan is completed or the debt is discharged. Do not leave D on a completed case.
Do not re-age the Date of First Delinquency because plan payments started. Plan payments do not cure the original delinquency for DOFD purposes.
Do not report D on a co-borrower who did not file, even where a co-debtor stay protects them.
Continue furnishing monthly. A pending Chapter 13 is not a reason to stop reporting an account you still hold.

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

Date of First Delinquency: freeze it for the life of the case. This is the single most audited interaction in this set.
Payment History Profile and Actual Payment Amount continue to reflect what was actually received, including trustee disbursements.
Account Status keeps describing real performance. Moving to a paid status because a plan was confirmed is premature until the debt is actually satisfied.
On a joint account, only the filer's segment carries D. The non-filing co-obligor's J1 or J2 segment stays blank.
Compliance Condition Code remains a separate field with its own dispute and closure meanings; it is not a second place to record the bankruptcy.