Metro 2 Compliance Audit Engine
Our built-in compliance audit engine validates every Metro 2 submission against CDIA standards and FCRA requirements before the file reaches the bureau.
What Our Compliance Audit Checks
Base Segment Validation
Validates all required and optional base segment fields including account number, balance, payment status, account type, and ECOA codes against CDIA specifications.
J1/J2 Segment Checks
Validates associated consumer segments for joint accounts, authorized users, and co-signers — ensuring proper relationship codes and consumer identity fields.
K-Segment Validation
Validates supplemental account information segments including purchase money mortgage indicators and specialized payment data.
Payment History Accuracy
Cross-validates payment history strings against account open dates, status codes, and balance history to detect inconsistencies that bureaus flag.
FCRA Compliance Checks
Validates data accuracy requirements under the Fair Credit Reporting Act, including dispute response timelines and account status accuracy.
Bureau-Specific Rules
Applies bureau-specific validation rules for Equifax, Experian, TransUnion, and Innovis — each bureau has unique requirements beyond the base CDIA standard.
Compliance Audit Report
Generated after every submission
Why Compliance Audits Matter
Bureau rejections can delay credit reporting by 30+ days. FCRA violations can result in regulatory action. Our compliance audit catches issues before they become costly problems.