Metro 2 Special Comment Code AI: Deferred Payment

Specification

Code	AI
Meaning	Deferred Payment
Field	Special Comment (Field 31)
Record	Base Segment
Length / position	2 chars · 213–214
Category	Hardship, Workout and Payment Plans
CRRG reference	CRRG Exhibits 6 & 7 (Special Comment Codes)

The source's stated purpose is a temporary skip-pay: a defined number of payments moved to the end of the obligation or to a later date.
AI explains why no payment arrived without the account being delinquent. That is the whole point of the comment.
AI does NOT mean the payments were waived. Deferred payments are still owed, usually extending the loan or creating a balloon at the end.
AI differs from forbearance in emphasis: forbearance suspends collection during a hardship, while a deferral moves specific scheduled payments. Some furnishers use them for overlapping situations, so pick the one that matches the agreement you actually made.
AI is a short-lived comment. It belongs on the record for the deferral window only.

1An auto lender grants a holiday skip-a-payment and defers one installment to the end of the loan.
2A credit union defers two payments for a member after a natural disaster.
3A consumer-finance company approves a one-month deferral so a borrower can cover an emergency expense.
4A student-loan servicer defers payments during an eligible in-school or grace period arrangement.

Report AI for the cycles the payments are actually deferred, then remove it.
Do not report the deferred cycles as delinquent. A payment that was not due under the agreement is not a missed payment.
If the deferral extends the maturity of the loan, update Terms Duration so the schedule on the report matches reality.
Do not use AI to cover cycles the borrower simply did not pay without an approved deferral.
If the deferral turns into a long hardship pause, B or C describes the account more accurately.

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

Payment Rating and the Payment History Profile for a deferred cycle should show the account as not delinquent, because no payment was contractually due.
Amount Past Due should be zero for amounts covered by the deferral.
Terms Duration may need to increase if the deferred payments extend the loan's maturity.
Current Balance typically holds or rises slightly during a deferral because principal is not being reduced.
Date of First Delinquency does not move; a deferral granted after a delinquency does not undo the delinquency that already occurred.