Metro 2 Consumer Information Indicator H: Bankruptcy Chapter 13

Specification

Code	H
Meaning	Bankruptcy Chapter 13 - Discharged or Plan Completed
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)

Covers both discharge and completion of the plan, which in a Chapter 13 are usually the same milestone reached from different directions.
Replaces D. A tradeline still carrying D three years after the plan completed reports an active case that no longer exists.
The account survives but is tagged, like the other discharge codes.
Payments made through the plan are real and remain in the payment history. H does not erase or rewrite the months the consumer paid.
It does not mean the account is current in the ordinary sense. It means the case concluded.

1A mortgage servicer receives the trustee's final report and discharge order after a five-year plan and moves the CII from D to H.
2An auto lender whose arrears were cured through a completed plan updates the tagged tradeline at plan completion.
3A credit union receives a Chapter 13 discharge on a signature loan and zeroes the remaining unsecured balance.
4A furnisher's monthly bankruptcy reconciliation identifies D-tagged accounts whose cases closed and updates them in the next file.

Report H in the cycle you learn the plan completed or the discharge entered.
Zero any balance that was discharged, and keep reporting any balance that legitimately survives, such as a secured loan the consumer is retaining and paying.
Do not leave D on a completed case, and do not blank the field instead of reporting H.
Do not re-age the Date of First Delinquency at completion. A completed plan does not create a fresh start date for the old delinquency.
If the case was dismissed rather than completed, H is not the accurate code.

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

Current Balance reflects what actually remains owed. On a retained secured loan that continues after the plan, that is a real, non-zero balance.
Account Status matches the facts: a satisfied account moves to a closed, zero-balance status, while a retained loan continues reporting its ongoing status.
Date of First Delinquency stays frozen at its pre-petition value.
Payment History Profile keeps the months paid through the plan; those months are not rewritten by the completion.
On a joint account, only the filer's segment carries H; a non-filing co-obligor's obligation is reported independently.