The CDIA’s Metro 2 format adds a “DS” Special Comment Code for accounts in a debt settlement program. It debuts in Q2 2027 — and a furnisher may only report it when enrollment in a for-profit debt settlement program has been verified.
Find which accounts are enrolled today, and with which company — the baseline for any DS reporting decision.
Enrollment changes monthly. Monitoring keeps the verification current instead of letting it age.
Every hit is dated and audit-logged — the record behind the code, if it is ever questioned.
Contact us to set up secured access, or read what a debt settlement scrub is — and see the Regulation F article for the collection side of the same problem.
It debuts in Q2 2027. Furnishers can prepare now by establishing how they will verify enrollment before reporting it.
No — it is voluntary. The requirement is conditional: if a furnisher reports it, enrollment must have been verified first.
No. The code covers for-profit debt settlement programs. Debt management plans from credit counseling agencies are excluded — and the EnrolledHits network contains no DMP records, so a hit is never a counseling plan in disguise.
Dated evidence that the consumer is enrolled in a qualifying program: the enrollment status, the company holding it, and how current the information is. EnrolledHits returns all three on every hit, with an as-of date and an audit trail.
“Credit risk assessors have long faced limited visibility during the window when a consumer is actively in settlement but before the account is officially reported as settled.”
— ACA International’s analysis of the DS code, as reported by White & Jacobs
That window is exactly what an enrollment check closes — the code reports later; the network answers now.
Send your first file this week. We set up your secured access, run your full-inventory scrub, and turn monitoring on the same day — plans priced by volume, quoted for your portfolio.
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