Metro 2 Special Comment Code AP: Closed at Consumer's Request

Specification

Code	AP
Meaning	Closed at Consumer's Request
Field	Special Comment (Field 31)
Record	Base Segment
Length / position	2 chars · 213–214
Category	Account and Credit-Line Closures
CRRG reference	CRRG Exhibits 6 & 7 (Special Comment Codes)

The distinction AP carries is who initiated the closure. A consumer-initiated closure reads very differently from a grantor-initiated one.
AP does NOT mean the balance is zero. An account can be closed at the consumer's request while a balance is paid down under the original terms.
AP does NOT close the account by itself. Account Status and Date Closed do that; AP explains the reason.
Where the thing closed is specifically a credit line rather than the whole account, CI carries the consumer-initiated version of that event.
In this library, the consumer-requested closure comment is AP. A conflicting in-repo list assigns that meaning to AC; that reading is not used here.

1A cardholder calls to close a credit card and the issuer closes it with a zero balance.
2A borrower asks a lender to close a personal line of credit after paying it off.
3A consumer closes a retail charge account in writing after a dispute with the store is settled.
4A member asks a credit union to close a share-secured card and the collateral is released.

Populate Date Closed in the same record. A closure comment with no Date Closed is a contradiction.
Do not report AP when the grantor closed the account for inactivity, risk, or delinquency. That is CH territory when a credit line is involved, or simply CM.
Report the comment in the cycle of closure; there is no need to repeat a closure explanation forever once the account is finished.
Do not use AP to imply the consumer was in good standing. Account Status carries that.
If the closure was reported in error, correct the record rather than layering another comment on top.

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

Requires Date Closed to be populated in the same Base Segment record.
Pairs naturally with Account Status 13 (paid and closed with a zero balance) when the balance was settled at closure.
If Current Balance is still greater than zero, Account Status must describe an open-but-closed-to-further-use condition rather than a paid status.
Amount Past Due should be zero on a consumer-requested closure of an account in good standing; a past-due amount alongside AP invites a status-payment mismatch edit.
Do not report a Credit Limit that implies the line is still usable after the closure is reported.