Metro 2 ECOA Code T: Terminated

Specification

Code	T
Meaning	Terminated
Field	ECOA Code (Field 10)
Record	Base Segment
Length / position	1 char · 63–63
Category	Relationship Lifecycle Instructions
CRRG reference	CRRG ECOA Code table (Base Segment)

Code T ends a relationship rather than describing one. It is the designator you move a consumer to when their association with the account stops but the record itself is still live.
It is not a deletion instruction. Code Z removes a consumer from the account; code T marks the association as terminated. Choose based on whether the consumer should disappear from the tradeline or be shown as no longer associated with it.
It does not close the account. Account Status and Date Closed do that, and an account can be closed with every consumer still designated 1 or 2.
It does not settle the balance. Terminating an association says nothing about whether the obligation was paid, charged off, or sold.
In the bankruptcy handling documented elsewhere in the BureauRelay Metro 2 guide, code T is the designator used for a non-filing consumer protected by a stay, with the real designator resumed when the protection ends.

1A non-filing spouse is protected by an automatic stay and the furnisher moves that consumer to a terminated designator for the protected period.
2A card issuer ends a consumer's association with an account after a legal release while the remaining obligor keeps the tradeline.
3A servicer terminates one party's association following a court order that reallocates responsibility for the debt.

Resume the consumer's real designator when the condition that caused the termination ends. Leaving a consumer on code T indefinitely misstates a relationship that has since resumed.
Do not use code T as a general-purpose way to stop reporting a consumer you no longer want on the file. The designator has to be true.
Do not use code T when the correct action is removal. If the consumer should no longer appear on the tradeline, that is code Z.
Keep the remaining consumers' designators accurate in the same record. Terminating one association does not change anyone else's liability.

A file can be structurally valid and still be wrong. These are the cross-field conditions ECOA Code T has to satisfy.

Applies per consumer. The Base Segment consumer and each J1 or J2 associated consumer carry their own ECOA code, so terminating one association leaves the others untouched.
Independent of Account Status. Code T does not imply status 13, DA, or any closure code, and the account's status, balance and Payment Rating continue to report on their own terms.
Distinct from ECOA Z: T marks an association as ended, Z instructs the bureaus to remove that consumer from the account.
Where a bankruptcy stay drove the termination, the Consumer Information Indicator carries the bankruptcy detail. The ECOA code and the indicator have to tell a consistent story about the same consumer.