Field J1-10RequiredCompliance Fields

    Metro 2 Field J1-10: J1 ECOA Code

    The ECOA (association) code describing the J1 consumer's relationship to the account — for example joint, authorized user, or co-signer. Required for a valid J1 segment.

    Quick Reference

    Field Number:J1-10
    Position:95-95
    Length:1 characters
    Type:code
    Record:J1 Segment
    Required:Yes

    Allowed Values

    ValueMeaning
    1Individual (Sole Responsibility)
    2Joint Contractual Liability
    3Authorized User
    5Co-Maker or Guarantor
    7Maker (Business Account With a Personal Guarantee)
    TTerminated
    WBusiness / Commercial
    XDeceased
    ZDelete Consumer From the Account

    Validation Rules

    • Must be a valid ECOA code (see error j1-ecoa-invalid)
    • Required on every J1 segment

    Examples

    23

    Common Errors

    • Invalid ECOA value on the J1 segment
    • Using ECOA 1 (individual) for a clearly joint relationship

    Tips & Best Practices

    • The J1 ECOA code defines how the additional consumer relates to the account

    Related Fields

    10
    ECOA Code
    Equal Credit Opportunity Act code indicating the consumer's ...
    J1-11
    J1 Consumer Information Indicator
    Optional indicator for a consumer-level condition (bankruptc...

    Other Compliance Fields

    31Special Comment32Compliance Condition Code33Consumer Information IndicatorJ1-11J1 Consumer Information IndicatorJ2-10J2 ECOA Code

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    J1 ECOA Code - Metro 2 Field J1-10