Metro 2 Special Comment Code C: Account in Extended Forbearance

Specification

Code	C
Meaning	Account in Extended Forbearance
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)

C is the long-duration counterpart of B. The distinction the source draws is duration of hardship, not a different legal mechanism.
Like B, it describes a condition that is currently true and must be removed once the arrangement ends.
C does NOT mean the debt was forgiven, settled, or reduced. Nothing about the amount owed changes because forbearance was extended.
C does NOT substitute for a delinquency status if the borrower stops honoring the extended arrangement. Once the borrower falls outside the agreement, the account reports as what it is.
Moving from B to C mid-hardship is normal. Only one Special Comment can be reported per cycle, so the record simply carries C from that cycle forward.

1A mortgage servicer extends a hardship pause past the initial short-term window while a loss-mitigation review is under way.
2A student-loan servicer reports a long hardship forbearance for a borrower who has been out of work for most of a year.
3A lender continues a payment suspension for a borrower recovering from a long medical event.
4A servicer carries an extended disaster-related forbearance for properties in a declared disaster area.

Switch from B to C when the arrangement crosses from a short pause into a long-term one, and report C every cycle after that until it ends.
Remove the comment in the first file after the extended forbearance ends, whether it ends by cure, by modification, or by default.
If the extended forbearance is resolved by permanently changing the loan terms, report CN (loan modified) from the cycle the modification takes effect.
Do not leave C in place through a subsequent charge-off. Once the account charges off, the comment no longer describes it.
Do not report C on an account that never actually entered forbearance because a request was denied.

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

Account Status must remain truthful for each cycle of the extended arrangement; a long forbearance does not convert a delinquent account into a current one.
Date of First Delinquency is unaffected. Extending a forbearance never moves the FCRA purge clock.
Current Balance commonly grows across an extended forbearance as interest capitalizes; that growth should be consistent cycle to cycle.
If the exit from extended forbearance re-writes Terms Duration, Terms Frequency, or Scheduled Monthly Payment, the comment should change to CN in the same record those values change.