ECOA Codes

The following table lists the Equal Credit Opportunity Act (ECOA) codes that Latitude by Genesys supports.

Code	Description
1	Individual: Party has contractual responsibility for the account and has primary responsibility for its payment.
2	Joint Contractual Liability: Party signed an agreement to repay all debts arising on the account. There are other parties associated to the account who could have contractual responsibility.
3	Authorized User: Party is an authorized user of the account; another party has contractual responsibility.
5	Co-maker or Guarantor: Party guaranteed the account and assumes responsibility for the account if the maker defaults.
7	Maker: Party is responsible for the account; a cosigner guaranteed the account.
T	Terminated: Party is no longer associated to the account; do not report.
W	Business/Commercial: Account is for a company.
X	Deceased: Party is deceased. There could be other parties associated to the account.
Z	Delete: Party reported in error; delete the party from the reporting file.