Updating Ownership Information

Click the down arrow to select whether the member owns, leases, finances, or does not own an automobile. This field is credit union-defined; however, the recommended options are:

O - Owns

L - Leases

F - Financed

N - None

Then, enter the model year of the automobile.

Length: 4 numeric

Keywords: AU and AY (model year)

Click the down arrow to select the member's residence status. This field is credit union-defined; however, the recommended options are:

A - Apartment

O - Own

R - Rent

Then, enter the number of years the member has resided at the current residence. This field is credit-union defined.

Length: 2 alphanumeric

Keywords: HM and YS (number of years)

Click the down arrow to select other vehicles in the member's possession. This field is credit union-defined; however, the recommended options are:

A - Auto

B - Boat

C - Motorcycle

M - Motor home

Then, enter the model year of the other vehicle.

Length: 4 numeric

Keywords: OV and YE (model year)

The credit union-defined indication that the member has a mortgage on his home.

Length: 1 alphanumeric

Keyword: MT

The number of dependent's the member has. You can customize this field and make it a required field in New Members & Services using the Customized Fields window.

Length: 2 numeric

Keyword: DE

Select the Politically Exposed Person check box to indicate that the member is a politically-exposed person, such as a senator, governor, mayor, etc. This information is included in the transmission to AML Compliance Manager.

Reporting Analytics: Politically Exposed (Member Information folder > Member Base subject and Month-end Information > Member Month-end folder > ME Member Base subject)

The credit union-defined status of this account. Statements can be sorted using the member's status code. The sequence of a selective trial balance also can be based on the status code. This field can be customized using the Customized Fields window.

Length: 1 alphanumeric

Keyword: MS

Indicates miscellaneous information regarding this account. This field is credit union-defined. This field can be customized using the Customized Fields window.

Length: 1 alphanumeric

Keyword: MI

Select how the account was opened from the Open Method drop-down list. This information is included in the transmission to AML Compliance Manager. The valid values are:

F - Face-To-Face

I - Internet

P - Postal Delivery

T - Telephone

N - Non-Face

Reporting Analytics: Open Method (Member Base subject in the Member Information folder and the ME Member Base subject in the Month-end Information\Member Month-end folder)

The date the member declared bankruptcy.

The bankruptcy status of the member.

Select this check box if your credit union found a match against the OFAC database on either the member's name, member's SSN, joint owner's name, joint owner's SSN, or the co-borrower's name. The credit union Compliance Department can freeze the account funds by entering 9 in the Share Hold field on the Shares - Holds Detail tab.

Keyword: OF

Click the down arrow to select the date the OFAC Match check box was maintained from the pop-up calendar or enter the date in MM/DD/YYYY format. The date must be equal to or less that the current date and cannot be future dated.

Keyword: OD

The last date a hard pull credit report was requested for the member. This can be the date saved from the Scores dialog box or it can be manually entered by selecting a date from the calendar or entering the date in MM/DD/YYYY format.

Keyword: CB

The credit bureau that supplied the credit score. This can be the credit bureau source saved from the Scores dialog box or it can be manually entered. This field can be customized using the Customized Fields window.

Security Permission: MbrInfo - Field - Credit Score - View Restricted

Security Group: Member Level Credit Score - User is View Restricted

The credit union-defined bankruptcy risk score for this account. This can be the score saved from the Scores dialog box or it can be manually entered. This field can be customized using the Customized Fields window.

Length: 4 numeric

Keyword: BR

The hard pull credit score for the member. This can be the score saved from the Scores dialog box or it can be manually entered. This field can be customized using the Customized Fields window.

Length: 4 numeric

Security Permission: MbrInfo - Field - Credit Score - View Restricted

Security Group: Member Level Credit Score - User is View Restricted

To add a new soft pull score, select the Add New Score check box. Portico will save the existing soft pull score information to credit score history and clear the fields. You can then enter the soft pull date, source, score and model and click Save. You can use this option to manually add a soft pull score if your credit union obtains credit scores outside of Portico.

Keyword: 1A

Select the View Soft Pull Credit Scores icon to display the Credit Scores dialog box and view the soft pull score displayed on the Ownership Information tab plus four previous soft pull credit scores.

The date the soft pull credit report was requested for the member. This can be the date saved from the Scores dialog box or it can be manually entered by selecting a date from the calendar or entering the date in MM/DD/YYYY format.

Keyword: 1D

The credit bureau source that supplied the soft pull credit report. This can be the source saved from the Scores dialog box or it can be manually entered. This field can be customized using the Customized Fields window.

Keyword: 1O

The soft pull credit score for the member. This can be the credit score saved from the Scores dialog box or it can be manually entered. This field can be customized using the Customized Fields window.

Length: 4 numeric

Security Permission: MbrInfo - Field - Credit Score - View Restricted

Security Group: Member Level Credit Score - User is View Restricted

Keyword: 1S

The credit bureau model used to determine the soft pull score for the member. This can be the score model saved from the Scores dialog box or it can be manually entered. This field can be customized using the Customized Fields window.

Keyword: 1X

Click the down arrow to report a confirmed or verified address, or other information about the member's address to the credit bureau. Blank is the system default. The valid values are:

B - Business Address - not consumer's residence

C - Confirmed/verified address

D - Data reporter's default address

M - Military address

N - Not confirmed address

P - Bill Payer Service - not consumer's residence

S - Secondary Address

U - Non-deliverable address/Returned mail

Y - Known to be address of primary consumer

Portico will enter the value selected in the Address Indicator field on the Metro II transmission. The AD column on the Credit Bureau Listing Report 350 will display the address indicator.

Note: If C – Confirmed/verified address is selected, the field should be changed back to blank after being reported to the credit bureau.

This option supports the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 (known as the Red Flag Rule) which requires a consumer reporting agency (CRA) to provide the user of a consumer report “a notice of address discrepancy” if the address provided by the user is “substantially different” from the address the CRA has on the consumer. The Address Indicator field on the Metro II transmission enables you to report a confirmed or verified address to the credit bureau.

Reporting Analytics: Metro2 Address Ind (Member Information folder > Member Base subject and Month-end Information > Member Month-end folder > ME Member Base subject)

Select the Covered Borrower check box to indicate that the member has been verified as a covered borrower under the Military Lending Act (MLA).

Reporting Analytics: MLA Covered Borrower Flag in Member Information – Member Base and Month-end Information – Member Month-end – ME Member Base

Keyword: CE

Click the Date down arrow to select a date from the pop-up calendar indicating when the Covered Borrower check box was selected. You can also specify a date when the covered borrower indicator no longer applies and the Covered Borrower check box is cleared.

Reporting Analytics: MLA Covered Borrower Date in Member Information – Member Base and Month-end Information – Member Month-end – ME Member Base

Keyword: DT

Click the down arrow to assign the member a BSA risk code. This field can be customized using the Customized Fields window.

Keyword: BI

Teller - Basic

Teller - Advanced

Member Services - User

Teller - Advanced

Member Services - User

22, 36

03

25, 26

35

41

21

23, 24

05, 06

16, 17

32