Metro 2 Consumer Information Indicator R: Reaffirmation of Debt

Specification

Code	R
Meaning	Reaffirmation of Debt
Field	Consumer Information Indicator (Field 33)
Record	Base Segment
Length / position	2 chars · 217–218
Category	Reaffirmation
CRRG reference	CRRG Exhibit 11 (Consumer Information Indicator)

A reaffirmation is a court-recognised agreement under which the consumer stays personally liable for a specific debt that would otherwise have been discharged.
Per the source appendix, R keeps the tradeline reporting through the bankruptcy. The account continues to accrue real payment history rather than going flat at discharge.
It applies to one debt, not to the whole case. A consumer can reaffirm a car loan and have the rest of their unsecured debt discharged, so R on your account is entirely compatible with discharge codes on someone else's.
It is not a modification of the loan. Terms, balance and payment continue to be reported from the underlying contract unless that contract actually changed.
The legacy reaffirmation codes W, X and Y were retired and must not be reported after April 2021. If an older mapping table still emits them, R is the code it should be emitting instead.
If the reaffirmation is later rescinded, V is the accurate code, and the account returns to the bankruptcy status it would otherwise have carried.

1An auto lender receives a filed reaffirmation agreement on a vehicle the consumer wants to keep and continues reporting the loan with R.
2A credit union reaffirms a share-secured loan with a member in Chapter 7 so the member keeps the account open.
3A mortgage servicer records a reaffirmation on a first lien the borrower intends to retain and continues normal monthly reporting.
4A furnisher upgrading from a pre-2021 mapping table replaces its W, X and Y outputs with R.

Report R once the reaffirmation agreement is actually in place, not when it is merely proposed.
Keep furnishing the account monthly. The whole point of a reaffirmation is that the tradeline continues.
Do not report a discharge code for a debt that was reaffirmed. A reaffirmed debt was not discharged as to the consumer.
Do not report the retired codes W, X or Y under any circumstances.
If the reaffirmation is rescinded within the rescission window, move to V rather than blanking the field.

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

Current Balance and Amount Past Due continue to report the real obligation, because the consumer remains liable.
Account Status continues to describe performance on the reaffirmed loan, including any new delinquency that occurs after the reaffirmation.
Date of First Delinquency stays frozen at its pre-petition value for the original delinquency sequence. A reaffirmation does not manufacture a clean slate.
The indicator applies to the consumer who signed the agreement, so on a joint account the segments can legitimately differ.
S removes R, not Q. Q is scoped to the bankruptcy and receivership codes.