Data Dictionary
Item Number K207
OTHER CONSUMER LOANS TO INDIVIDUALS FOR HOUSEHOLD, FAMILY, AND OTHER PERSONAL EXPENDITURES (INCLUDES SINGLE PAYMENT, INSTALLMENT, AND ALL STUDENT LOANS)Call confidentiality applies to FFIEC 031/041.
| Series | Start Date | End Date | Confidential? | Reporting Forms |
|---|---|---|---|---|
| BHCKK207 | 2011-03-31 | 9999-12-31 | No | FR Y-9C |
| RCFDK207 | 2011-03-31 | 9999-12-31 | No | FFIEC 031 |
| RCFNK207 | 2011-03-31 | 9999-12-31 | No | |
| RCONK207 | 2011-03-31 | 9999-12-31 | No | Multiple Forms |
| WRSSK207 | 2015-01-07 | 9999-12-31 | Yes | FR 2644 |
Data Description:
Report (on the FFIEC 041, in column B; on the FFIEC 031, in columns A and B, as appropriate) all other loans to individuals for household, family, and other personal expenditures (other than those that meet the definition of a "loan secured by real estate" and other than those for purchasing or carrying securities). Include loans for
such purposes as:
(1) purchases of household appliances, furniture, trailers, and boats;
(2) repairs or improvements to the borrower's residence (that do not meet the definition of a "loan secured by real estate");
(3) educational expenses, including student loans;
(4) medical expenses;
(5) personal taxes;
(6) vacations;
(7) consolidation of personal (nonbusiness) debts;
(8) purchases of real estate or mobile homes to be used as a residence by the borrower's family (that do not meet the definition of a "loan secured by real estate"); and
(9) other personal expenditures.
Other consumer loans may take the form of:
(1) Installment loans, demand loans, single payment time loans, and hire purchase contracts (for purposes other than retail sales of passenger cars and other vehicles such as minivans, vans, sport-utility vehicles, pickup trucks, and similar light trucks for personal use), and should be reported as loans to individuals for household, family, and other personal expenditures regardless of size or maturity and regardless of whether the loans are made by the consumer loan department or by any other department of the bank.
(2) Retail installment sales paper purchased by the bank from merchants or dealers (other than dealers of passenger cars and other vehicles such as minivans, vans, sport-utility vehicles, pickup trucks, and similar light trucks), finance companies, and others.
Exclude from other consumer loans:
(1) All direct and purchased loans, regardless of purpose, that meet the definition of a loan secured by real estate" as evidenced by mortgages, deeds of trust, land contracts, or other instruments, whether first or junior liens (e.g., equity loans, second mortgages), on real estate (report in Schedule RC-C, part I, item 1).
(2) Loans to individuals that do not meet the definition of a "loan secured by real estate" for the purpose of investing in real estate when the real estate is not to be used as a residence or vacation home by the borrower or by members of the borrower's family (report as all other loans in Schedule RC-C, part I, item 9.b).
(3) Loans to individuals for commercial, industrial, and professional purposes and for "floor plan" or other wholesale financing (report in Schedule RC-C, part I, item 4).
(4) Loans to individuals for the purpose of purchasing or carrying securities (report
in Schedule RC-C, part I, item 9.b).
(5) Loans to individuals for investment (as distinct from commercial, industrial, or professional) purposes other than those for purchasing or carrying securities (report as all other loans in Schedule RC-C, part I, item 9.b).
(6) Loans to merchants, automobile dealers, and finance companies on their own
(cont.) promissory notes, secured by the pledge of installment paper or similar instruments (report in Schedule RC-C, part I, item 4, or as loans to nondepository financial institutions in Schedule RC-C, part I, item 9.a, as appropriate).
(7) Loans to farmers, regardless of purpose, to the extent that can be readily identified as such loans (report in Schedule RC-C, part I, item 3).
(8) All credit extended to individuals for household, family, and other personal expenditures arising from:
(a) Credit cards (report in Schedule RC-C, part I, item 6.a);
(b) Prearranged overdraft plans (report in Schedule RC-C, part I, item 6.b); and
(c) Retail sales of passenger cars and other vehicles such as minivans, vans, sport-utility vehicles, pickup trucks, and similar light trucks for personal use (report in Schedule RC-C, part I, item 6.c).
RCFNK207 Formula SUM(RCFDK207, -RCONK207)