Metro 2 Consumer Information Indicator G: Bankruptcy Chapter 12

Specification

Code	G
Meaning	Bankruptcy Chapter 12 - 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 discharge counterpart of C, and the least common code in this set.
Replaces C on the record once the case discharges.
The account is tagged rather than removed, exactly as with the other discharge codes.
Chapter 12 discharge typically follows completion of plan payments, so the payment history during the plan period is real history and stays on the record.
Because C and G are rare, they are frequently absent from legacy mapping tables. An unrecognised chapter that silently falls back to a Chapter 7 code produces a wrong filing on the consumer's file.

1An agricultural lender receives a Chapter 12 discharge order on an equipment note and moves the CII from C to G.
2A community bank completes its post-plan reconciliation for a family farming borrower and updates the tagged tradelines.
3A rural credit union zeroes the remaining unsecured portion of a member loan after Chapter 12 discharge.
4A furnisher audits its C-tagged inventory quarterly and moves the discharged cases to G rather than leaving them pending indefinitely.

Report G only for a genuine Chapter 12 discharge. Do not use it as a generic discharge code.
Adjust the Current Balance in the same record to what remains legally collectible.
Do not leave C on a discharged case.
Do not re-age the Date of First Delinquency.
Keep the tradeline reporting; discharge tags it, it does not remove it.

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

Current Balance and Amount Past Due reflect what the consumer still legally owes after discharge.
Account Status moves to the matching closed or paid condition; the zero-balance statuses require both Current Balance and Amount Past Due to be zero.
Date of First Delinquency stays frozen where the petition froze it.
The discharged consumer's segment is the only one that carries G.
Terms Duration and Terms Frequency continue to describe the original contract unless the loan itself was modified.