Base Segment ErrorsCritical
B004Invalid ECOA Code
The ECOA code is not valid for this account type
Affected Field
#9ECOA Code
Description
The ECOA (Equal Credit Opportunity Act) Code indicates the type of participation on the account. Valid codes are 1-7 for individuals and joint accounts, and specific codes for authorized users and business accounts. The code must be appropriate for the account type and consumer relationship.
Common Causes
- Incorrect code for account type
- Using deprecated ECOA codes
- Not updating code when account changes
- Misunderstanding of ECOA requirements
How to Fix
- 1Use the correct ECOA code for the consumer's relationship
- 2Update code when ownership or relationship changes
- 3Refer to ECOA code definitions in Metro 2 format reference
Examples
Invalid
0Valid
10 is not a valid ECOA code; 1 indicates individual account
More Base Segment Errors
Metro 2 code reference
A rejected value is usually a wrong code rather than a wrong format. Every CRRG code set has a per-code page with its meaning and cross-field rules. Metro 2 codes: the complete cheat sheet puts all of them on one page.
Catch Errors Before Submission
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