> For the complete documentation index, see [llms.txt](https://developers.bloomcredit.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://developers.bloomcredit.io/furnishment/furnishment-concepts.md).

# Metro2 Explained

### What is the ECOA (Equal Credit Opportunity Act)?

The ECOA code defines the relationship of the primary consumer to the account and designates the account as joint, individual, etc., in compliance with the Equal Credit Opportunity Act.

| Code | Code Description                                                                                                                                    |
| ---- | --------------------------------------------------------------------------------------------------------------------------------------------------- |
| 1    | <p>Individual (This consumer has contractual responsibility for this account and is<br>primarily responsible for its payment</p>                    |
| 2    | <p>Joint contractual Liability (This consumer has contractual responsibility for this<br>joint account)</p>                                         |
| 3    | <p>Authorized User (This consumer is an authorized user of this account;<br>another consumer has contractual responsibility.)</p>                   |
| 5    | <p>Co-maker or Guarantor (This consumer is the co-maker or guarantor for this<br>account, who becomes liable if the maker defaults.)</p>            |
| 7    | Maker (This consumer is the maker who is liable for the account, but a co-maker or guarantor is liable if the maker defaults.)                      |
| T    | <p>Terminated (The association with the account has been terminated by this<br>consumer.)</p>                                                       |
| W    | Deceased (This consumer is deceased.)                                                                                                               |
| X    | <p>Business/Commercial (This code is used to identify that the company reported in<br>the Name field is contractually liable for this account.)</p> |
| Z    | <p>Delete Consumer (This code is used to delete this consumer from the<br>account.)</p>                                                             |

Date we received the statement = "Statement Date" = "Account Information Date" on Metro2

* payment history, current balance, etc. should be included in the current as of date of account information
* account status will be determined by all of the data leading up to the date of account information
  * days delinquency
  * amount past due
  * current balance
*


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