Metro 2 Special Comment Code AU: Repayment Plan

Specification

Code	AU
Meaning	Repayment Plan
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)

AU describes a plan aimed at catching the account up. That is its distinguishing feature against AB, which asserts that a formal agreement governs payment generally.
AU is true only while the plan is in force and being performed. It comes off when the plan completes or the borrower falls out of it.
AU does NOT mean the arrears were forgiven. A repayment plan repays them on a schedule.
AU does NOT convert a delinquent account to current on its own. The account becomes current when the arrears are actually cured.
In this library, AU means repayment plan. A conflicting in-repo list labels AU "Account closed due to inactivity"; that reading is not used here.

1A mortgage servicer spreads four months of missed payments across the next twelve payments and reports the loan on a plan while the borrower performs.
2A card issuer places a delinquent account on a fixed-payment catch-up program.
3A student-loan servicer enrolls a borrower in a structured plan to bring a defaulted balance back into good standing.
4An auto lender agrees to a schedule that adds a partial arrears payment to each of the next six installments.

Report AU for every cycle the plan is live and the borrower is performing under it.
Remove it in the first file after the plan completes or the borrower defaults on it.
Do not use AU on an account with no arrears and no plan. It is not a general-purpose soft comment.
Keep Account Status truthful while the plan runs. A plan in progress does not retroactively make missed payments on-time payments.
If the plan permanently re-writes the loan's terms, CN is the accurate comment from that point.

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

Scheduled Monthly Payment should equal the amount actually required under the plan for the cycles the plan governs.
Amount Past Due should decline over the life of a plan that is being performed; a flat past-due amount alongside AU is a contradiction worth checking.
Date of Last Payment and Actual Payment Amount should show payments arriving on the plan's cadence.
Date of First Delinquency is unaffected by entering a repayment plan and stays anchored to the original delinquency.
When the arrears are fully cured, Account Status returns to current and the comment comes off in the same record.