Metro 2 Consumer Information Indicator F: Bankruptcy Chapter 11

Specification

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

The Chapter 11 counterpart of E. It records the outcome of a reorganization case that reached discharge.
Replaces B on the record. A tradeline carrying B after the case has been discharged reports a resolved case as still pending.
The account survives but is tagged, in the same way as the other discharge codes.
Discharge under a confirmed plan does not necessarily mean nothing was paid. Amounts actually received during the case belong in the payment history, which F does not overwrite.
It does not imply the plan succeeded commercially, only that the case reached discharge.

1A lender holding a personally guaranteed note receives the Chapter 11 discharge order for the individual and updates the CII from B to F.
2A mortgage servicer records discharge of an individual Chapter 11 case and zeroes the remaining unsecured deficiency it had been reporting.
3A private student loan servicer updates a tagged account after a rare individual Chapter 11 discharge.
4A bank reconciles its bankruptcy vendor feed at month end and finds a set of B-tagged accounts whose cases have discharged, and moves them to F.

Report F in the cycle you learn of the discharge and adjust the balance to what remains legally collectible from the consumer.
Do not leave B on a discharged case.
Do not use F for a case that was dismissed or converted. Report the code that matches the chapter and outcome that actually occurred.
Do not re-age the Date of First Delinquency at discharge.
Keep furnishing the tradeline; a discharge is not an instruction to delete history.

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

Current Balance reflects only what remains legally owed by the consumer after discharge, which for fully discharged unsecured debt is zero.
Account Status moves to the closed or paid condition that matches the facts; a zero balance is required by Account Status 13 and by 61 through 65.
Date of First Delinquency stays frozen at its pre-petition value.
Only the discharged consumer's segment carries F. A co-obligor who did not file is reported on their own terms.
Portfolio Type and Account Type do not change because a bankruptcy discharged.