{
  "tool_id": "art-398-lint-metro2-record",
  "note": "Metro 2 base-segment + DOFD lint (public subset, FL-1). Vector 1: current account, no DOFD. Vector 2: delinquent status missing required DOFD (error). Vector 3: delinquent with valid DOFD, FCRA-obsolete (warning, still compliant).",
  "vectors": [
    {
      "name": "current_account_no_dofd",
      "description": "Paid/closed account (status 13), no delinquency, no DOFD required -- clean pass.",
      "policy_parameters": {
        "account_type": "01",
        "date_opened": "2018-03-15",
        "date_reported": "2026-06-01",
        "current_balance": 0,
        "amount_past_due": 0,
        "account_status": "13",
        "payment_rating": "0",
        "has_j1_segment": false,
        "has_j2_segment": false,
        "has_k_segment": false
      },
      "output_payload": {
        "compliant": true,
        "error_count": 0,
        "warning_count": 0,
        "metro2_subset_score": 100,
        "is_delinquent_status": false,
        "obsolete_per_fcra": false,
        "field_status": {
          "account_type": {
            "present": true
          },
          "date_opened": {
            "present": true,
            "valid": true
          },
          "date_reported": {
            "present": true,
            "valid": true
          },
          "current_balance": {
            "present": true,
            "valid": true
          },
          "account_status": {
            "present": true,
            "valid": true
          },
          "payment_rating": {
            "present": true,
            "valid": true
          },
          "date_of_first_delinquency": {
            "present": false,
            "valid": true,
            "age_days": null
          },
          "j1_segment_present": false,
          "j2_segment_present": false,
          "k_segment_present": false
        },
        "issues": [],
        "disambiguation": "lint_metro2_record checks Metro 2 base-segment field presence/format, account-status and payment-rating code validity, and DOFD/obsolescence cross-field consistency, all from a PUBLIC SUBSET of the format (not the licensed CRRG).",
        "pii_note": "Operates on structural codes, dates, and amounts only. No consumer name, SSN, or address fields exist in this schema -- use synthetic or anonymised account data.",
        "subset_coverage_statement": "This lints a PUBLIC SUBSET of Metro 2 Format base-segment fields and the statutory DOFD/obsolescence rule. It does not implement the CDIA Credit Reporting Resource Guide (CRRG), a licensed document -- J1/J2/K1-K4 segments are checked as presence flags only.",
        "table_version": "METRO2-PUBLIC-SUBSET-V1",
        "table_source": "CFPB \"Key Dimensions and Processes in the U.S. Credit Reporting System\" (Dec 2012, consumerfinance.gov); CDIA public Metro 2 Format overview (cdiaonline.org); FCRA 15 U.S.C. Sec 1681c(a)(4)-(5); Federal Reserve Regulation V (12 CFR Part 1022).",
        "regulatory_basis": "Metro 2 Format (CDIA); FCRA 15 U.S.C. Sec 1681c(a)(4)-(5) (obsolescence); Federal Reserve Regulation V, 12 CFR Part 1022."
      },
      "golden_hash": "c3904aa47c555e45d76717380202a7a6f76a0aaa39d10d3f6e4e32ab13ecd759"
    },
    {
      "name": "delinquent_missing_dofd",
      "description": "Account status 97 (delinquent) with no DOFD provided -- ERROR per FCRA Sec 1681c(a)(4)-(5).",
      "policy_parameters": {
        "account_type": "01",
        "date_opened": "2019-05-01",
        "date_reported": "2026-06-01",
        "current_balance": 1500,
        "amount_past_due": 300,
        "account_status": "97",
        "payment_rating": "9",
        "has_j1_segment": true,
        "has_j2_segment": false,
        "has_k_segment": false
      },
      "output_payload": {
        "compliant": false,
        "error_count": 1,
        "warning_count": 0,
        "metro2_subset_score": 80,
        "is_delinquent_status": true,
        "obsolete_per_fcra": false,
        "field_status": {
          "account_type": {
            "present": true
          },
          "date_opened": {
            "present": true,
            "valid": true
          },
          "date_reported": {
            "present": true,
            "valid": true
          },
          "current_balance": {
            "present": true,
            "valid": true
          },
          "account_status": {
            "present": true,
            "valid": true
          },
          "payment_rating": {
            "present": true,
            "valid": true
          },
          "date_of_first_delinquency": {
            "present": false,
            "valid": true,
            "age_days": null
          },
          "j1_segment_present": true,
          "j2_segment_present": false,
          "k_segment_present": false
        },
        "issues": [
          {
            "code": "DOFD_MISSING_FOR_DELINQUENT_STATUS",
            "severity": "ERROR",
            "field": "date_of_first_delinquency",
            "message": "Account status \"97\" indicates delinquency; DOFD is required (FCRA Sec 1681c(a)(4)-(5))."
          }
        ],
        "disambiguation": "lint_metro2_record checks Metro 2 base-segment field presence/format, account-status and payment-rating code validity, and DOFD/obsolescence cross-field consistency, all from a PUBLIC SUBSET of the format (not the licensed CRRG).",
        "pii_note": "Operates on structural codes, dates, and amounts only. No consumer name, SSN, or address fields exist in this schema -- use synthetic or anonymised account data.",
        "subset_coverage_statement": "This lints a PUBLIC SUBSET of Metro 2 Format base-segment fields and the statutory DOFD/obsolescence rule. It does not implement the CDIA Credit Reporting Resource Guide (CRRG), a licensed document -- J1/J2/K1-K4 segments are checked as presence flags only.",
        "table_version": "METRO2-PUBLIC-SUBSET-V1",
        "table_source": "CFPB \"Key Dimensions and Processes in the U.S. Credit Reporting System\" (Dec 2012, consumerfinance.gov); CDIA public Metro 2 Format overview (cdiaonline.org); FCRA 15 U.S.C. Sec 1681c(a)(4)-(5); Federal Reserve Regulation V (12 CFR Part 1022).",
        "regulatory_basis": "Metro 2 Format (CDIA); FCRA 15 U.S.C. Sec 1681c(a)(4)-(5) (obsolescence); Federal Reserve Regulation V, 12 CFR Part 1022."
      },
      "golden_hash": "b539dd35b11ad959ed46d2debb6f6d4bfd6b9b0bf866f30a426f9821e3b05921"
    },
    {
      "name": "delinquent_dofd_fcra_obsolete",
      "description": "Delinquent status 88 with a valid DOFD 4018 days before date_reported -- exceeds FCRA 7yr+180d obsolescence, WARNING only (still compliant, no ERROR).",
      "policy_parameters": {
        "account_type": "01",
        "date_opened": "2015-01-01",
        "date_reported": "2026-06-01",
        "current_balance": 500,
        "account_status": "88",
        "date_of_first_delinquency": "2015-06-01",
        "payment_rating": "9"
      },
      "output_payload": {
        "compliant": true,
        "error_count": 0,
        "warning_count": 1,
        "metro2_subset_score": 95,
        "is_delinquent_status": true,
        "obsolete_per_fcra": true,
        "field_status": {
          "account_type": {
            "present": true
          },
          "date_opened": {
            "present": true,
            "valid": true
          },
          "date_reported": {
            "present": true,
            "valid": true
          },
          "current_balance": {
            "present": true,
            "valid": true
          },
          "account_status": {
            "present": true,
            "valid": true
          },
          "payment_rating": {
            "present": true,
            "valid": true
          },
          "date_of_first_delinquency": {
            "present": true,
            "valid": true,
            "age_days": 4018
          },
          "j1_segment_present": false,
          "j2_segment_present": false,
          "k_segment_present": false
        },
        "issues": [
          {
            "code": "OBSOLETE_PER_FCRA_605C",
            "severity": "WARNING",
            "field": "date_of_first_delinquency",
            "message": "Record is 4018 days past DOFD, exceeding the FCRA 7-year-plus-180-day obsolescence period -- should not be furnished further."
          }
        ],
        "disambiguation": "lint_metro2_record checks Metro 2 base-segment field presence/format, account-status and payment-rating code validity, and DOFD/obsolescence cross-field consistency, all from a PUBLIC SUBSET of the format (not the licensed CRRG).",
        "pii_note": "Operates on structural codes, dates, and amounts only. No consumer name, SSN, or address fields exist in this schema -- use synthetic or anonymised account data.",
        "subset_coverage_statement": "This lints a PUBLIC SUBSET of Metro 2 Format base-segment fields and the statutory DOFD/obsolescence rule. It does not implement the CDIA Credit Reporting Resource Guide (CRRG), a licensed document -- J1/J2/K1-K4 segments are checked as presence flags only.",
        "table_version": "METRO2-PUBLIC-SUBSET-V1",
        "table_source": "CFPB \"Key Dimensions and Processes in the U.S. Credit Reporting System\" (Dec 2012, consumerfinance.gov); CDIA public Metro 2 Format overview (cdiaonline.org); FCRA 15 U.S.C. Sec 1681c(a)(4)-(5); Federal Reserve Regulation V (12 CFR Part 1022).",
        "regulatory_basis": "Metro 2 Format (CDIA); FCRA 15 U.S.C. Sec 1681c(a)(4)-(5) (obsolescence); Federal Reserve Regulation V, 12 CFR Part 1022."
      },
      "golden_hash": "08e25449254d6d11a6fe78c09a8a0892d9d66ff1f6a0900d1c3ec1c7e39dd258"
    }
  ]
}