Consumer Loan in ESG data model

Traits

Traits for this entity are listed here.

is.CDM.entityVersion

Parameter	Value	Data type	Explanation
versionNumber	"4.3"	string	semantic version number of the entity

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Base entity from which all ESG Data Model entities are derived. en A loan that establishes consumer credit that is granted for personal use; usually unsecured and based on the borrower's integrity and ability to pay	entity	a reference to the constant entity holding the list of localized text

is.identifiedBy
names a specific identity attribute to use with an entity

Parameter	Value	Data type	Explanation
attribute	ConsumerLoan/(resolvedAttributes)/LoanAccountNumber	attribute

minimumObjectModelVersion
Minimum version of the object model required to fully understand the data schema used.

Parameter	Value	Data type	Explanation
versionNumber	"1.2.3"	string

is.IDM.modelVersion
Semantic version number of the IDM.

Parameter	Value	Data type	Explanation
versionNumber	"2.0.0"	string

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{A684D871-5F33-434E-870C-B80276F6827E}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nativeTo.businessArea
The name of the business area from which the entity originates.

Parameter	Value	Data type	Explanation
name	"Customer Credit & Collections"	string

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Consumer Loan	entity	a reference to the constant entity holding the list of localized text

has.entitySchemaAbstractionLevel
A level of abstraction assigned to an Entity schema. Logical schema descriptions use complex dataTypes, inheritance, and entities as attributes. Resolved descriptions contain none of those things, only final trait and attribute sets are shown. A composition schema manipulates, guides, or restates parts of logical schemas to produce one resolved schema.

Parameter	Value	Data type	Explanation
level	"resolved"	string	Possible values: logical, composition, resolved

Attributes

Name	Description	First Included in Instance
CreditGrantorId	The unique identifier of a Credit Grantor.	Sustainability/esg-data-model/ConsumerLoan
LoanAccountNumber	The unique identifier of a loan.	Sustainability/esg-data-model/ConsumerLoan
LoanGracePeriod	The period of time after the due date that's allowed before a penalty is charged.	Sustainability/esg-data-model/ConsumerLoan
LoanPrincipalAmount	The loan amount not including interest.	Sustainability/esg-data-model/ConsumerLoan
ConsumerLoanTerm	For a loan this is the duration between the beginning of the loan and the end date, at which time the balance of the loan would be due.	Sustainability/esg-data-model/ConsumerLoan
DurationUnitOfMeasureId	The unique identifier of a Unit Of Measure.	Sustainability/esg-data-model/ConsumerLoan
NumberOfPayments	The number of payments that are due to pay off the loan.	Sustainability/esg-data-model/ConsumerLoan
MonthlyPaymentAmount	The amount of principal and interest you are obligated to pay each month.	Sustainability/esg-data-model/ConsumerLoan
FirstPaymentDueDate	The date that the first payment is due.	Sustainability/esg-data-model/ConsumerLoan
PayoffDate	The date of the last payment.	Sustainability/esg-data-model/ConsumerLoan
AnnualPercentageRate	A way of expressing the cost of credit on a loan. Under federal law, all consumer loans must disclose the Annual Percentage Rate.	Sustainability/esg-data-model/ConsumerLoan
TotalInterestAmount	The total interest that will be collected on the loan.	Sustainability/esg-data-model/ConsumerLoan
DownPayment	Money you pay at the time of the purchase to reduce the amount that will be financed.	Sustainability/esg-data-model/ConsumerLoan
CustomerFicoScoreAtLoanApproval	The consumer's FICO score on the approval date of the loan.Your FICO score is the dominant method lenders use to assess how deserving you are of their credit. Whether you're looking to get a mortgage, car loan or home-equity loan, you're going to get scored. Named after Fair Isaac Corp., the firm that developed the scoring model used by the three major credit bureaus -- Equifax, Experian and Trans Union -- your FICO score is calculated using a computer model that compares the information in your credit report to what's on the credit reports of thousands of other customers. FICO scores range from about 300 to 900. Generally, the higher the score, the lower the credit risk. It's very difficult to say what's a "good" or "bad" score, though, since lenders have different standards for how much risk they will accept. A credit score that one lender considers satisfactory may be regarded as unsatisfactory by other lenders for comparable credit instruments.Scores also fluctuate depending on credit activity. Since credit bureaus only calculate your score at the lender's request, it will be based on the information in your file at that particular credit bureau, at that particular time only.The Fair, Isaac model takes into account five factors when evaluating your credit worthiness.Past payment history About 35 percent of your FICO score is based on this, which includes late payments, delinquencies and bankruptcies. The fewer the late payments, the better your score -- though a recent late payment hurts your score more than one from five years ago.Outstanding debtAbout 30 percent of your FICO score, this includes what you owe on your credit cards and how much you owe on installment loans, compared with the original amounts of the loans. How long you've had credit How long you've had accounts and how often you use them, this accounts for about 15 percent of your FICO score.New applications for credit Research shows that opening several credit accounts in a short period does represent greater risk, especially for people who do not have long-established credit history. This makes up about 10 percent of your FICO score. Types of credit Making up about another 10 percent of your FICO score, this includes credit cards and loans, including installment and mortgage loans.Bear in mind, however, that U.S. law forbids personal information such as ethnicity, religion, sex or marital status from being reflected in your FICO score.The main benefit of credit scoring, lenders argue, is that an automated system allows for faster decisions. Keep in mind, too, that a credit bureau score isn't the only factor lenders take into account when considering your loan application.	Sustainability/esg-data-model/ConsumerLoan
UnsecuredPersonalLoanIndicator	Indicates that the personal loan is unsecured., which is a personal loan that requires no collateral or security.	Sustainability/esg-data-model/ConsumerLoan
SecuredPersonalLoanIndicator	Indicates that the loan is requires collateral or security of a savings account, stocks, bonds, certificates of deposit, etc.	Sustainability/esg-data-model/ConsumerLoan
ConsumerLoanTypeId	The unique identifier of a type of consumer loan.	Sustainability/esg-data-model/ConsumerLoan
IsoCurrencyCode	The ISO 4217 currency code.	Sustainability/esg-data-model/ConsumerLoan
BillingCycleId	The unique identifier of a Billing Cycle.	Sustainability/esg-data-model/ConsumerLoan
CustomerId	The unique identifier of a Customer.	Sustainability/esg-data-model/ConsumerLoan

CreditGrantorId

The unique identifier of a Credit Grantor. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Credit Grantor ID
description	The unique identifier of a Credit Grantor.
isPrimaryKey	true
dataFormat	int32

Traits

List of traits for the CreditGrantorId attribute are listed here.

is.dataFormat.integer
is.identifiedBy
names a specific identity attribute to use with an entity

Parameter	Value	Data type	Explanation
attribute	ConsumerLoan/(resolvedAttributes)/CreditGrantorId	attribute

is.linkedEntity.identifier
Marks the attributes that hold foreign key references to a linked (used as an attribute) entity. This attribute is added to the resolved entity to enumerate the referenced entities.

Parameter	Value	Data type	Explanation
entityReferences	entityReference attributeReference CreditGrantor.cdm.json/CreditGrantor CreditGrantorId	entity	a reference to the constant entity holding the list of entity references

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Credit Grantor ID	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The unique identifier of a Credit Grantor.	entity	a reference to the constant entity holding the list of localized text

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{C155AD99-38E5-45EF-98C3-D804787595D5}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.dataFormat.integer

LoanAccountNumber

The unique identifier of a loan. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Loan Account Number
description	The unique identifier of a loan.
isPrimaryKey	true
dataFormat	string
maximumLength	20

Traits

List of traits for the LoanAccountNumber attribute are listed here.

is.dataFormat.character
is.dataFormat.big
indicates an atomic but multi-unit version of a fundamental type such as a multi byte encoded character, a double precision float, a long integer.

is.dataFormat.array
indicates a contiguous sequence of fundamental units that should be taken as a whole and considered one value. Array of Character is a String, and Array of Byte is a Binary Object.

is.identifiedBy
names a specific identity attribute to use with an entity

Parameter	Value	Data type	Explanation
attribute	ConsumerLoan/(resolvedAttributes)/LoanAccountNumber	attribute

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{B540967C-79CE-444C-AA56-8DC330B443AE}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Loan Account Number	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The unique identifier of a loan.	entity	a reference to the constant entity holding the list of localized text

is.constrained
maximum length or value constraints

Parameter	Value	Data type	Explanation
maximumLength	"20"	integer

is.dataFormat.character
is.dataFormat.array
indicates a contiguous sequence of fundamental units that should be taken as a whole and considered one value. Array of Character is a String, and Array of Byte is a Binary Object.

LoanGracePeriod

The period of time after the due date that's allowed before a penalty is charged. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Loan Grace Period
description	The period of time after the due date that's allowed before a penalty is charged.
dataFormat	decimal
isNullable	true

Traits

List of traits for the LoanGracePeriod attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

Parameter	Value	Data type	Explanation
precision	"3"	integer	the total number of significant digits
scale	"0"	integer	the number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{B3DD429D-D4A0-40BF-AB72-7899FE743F88}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Loan Grace Period	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The period of time after the due date that's allowed before a penalty is charged.	entity	a reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

LoanPrincipalAmount

The loan amount not including interest. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Loan Principal Amount
description	The loan amount not including interest.
dataFormat	decimal
isNullable	true

Traits

List of traits for the LoanPrincipalAmount attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

Parameter	Value	Data type	Explanation
precision	"18"	integer	the total number of significant digits
scale	"2"	integer	the number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{0496FAE5-6F8D-4140-93B2-6729A0C2B75D}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Loan Principal Amount	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The loan amount not including interest.	entity	a reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

ConsumerLoanTerm

For a loan this is the duration between the beginning of the loan and the end date, at which time the balance of the loan would be due. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Consumer Loan Term
description	For a loan this is the duration between the beginning of the loan and the end date, at which time the balance of the loan would be due.
dataFormat	int32
isNullable	true

Traits

List of traits for the ConsumerLoanTerm attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{7923D0FE-38D9-4C6A-A2B4-0194DFD3470B}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Consumer Loan Term	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en For a loan this is the duration between the beginning of the loan and the end date, at which time the balance of the loan would be due.	entity	a reference to the constant entity holding the list of localized text

is.dataFormat.integer

DurationUnitOfMeasureId

The unique identifier of a Unit Of Measure. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Duration Unit Of Measure ID
description	The unique identifier of a Unit Of Measure.
dataFormat	int32
isNullable	true

Traits

List of traits for the DurationUnitOfMeasureId attribute are listed here.

is.dataFormat.integer
is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Duration Unit Of Measure ID	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The unique identifier of a Unit Of Measure.	entity	a reference to the constant entity holding the list of localized text

is.linkedEntity.identifier
Marks the attributes that hold foreign key references to a linked (used as an attribute) entity. This attribute is added to the resolved entity to enumerate the referenced entities.

Parameter	Value	Data type	Explanation
entityReferences	entityReference attributeReference UnitOfMeasure.cdm.json/UnitOfMeasure UnitOfMeasureId	entity	a reference to the constant entity holding the list of entity references

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{8239BB84-AFC5-46ED-8F6E-4DB1767E3664}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.dataFormat.integer

NumberOfPayments

The number of payments that are due to pay off the loan. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Number Of Payments
description	The number of payments that are due to pay off the loan.
dataFormat	int32
isNullable	true

Traits

List of traits for the NumberOfPayments attribute are listed here.

is.dataFormat.integer
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{0E039152-9B44-449F-9806-C1895F9DC5EE}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Number Of Payments	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The number of payments that are due to pay off the loan.	entity	a reference to the constant entity holding the list of localized text

is.dataFormat.integer

MonthlyPaymentAmount

The amount of principal and interest you are obligated to pay each month. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Monthly Payment Amount
description	The amount of principal and interest you are obligated to pay each month.
dataFormat	decimal
isNullable	true

Traits

List of traits for the MonthlyPaymentAmount attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

Parameter	Value	Data type	Explanation
precision	"18"	integer	the total number of significant digits
scale	"2"	integer	the number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{F8DFB542-7292-4F36-A05C-99416244CDBA}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Monthly Payment Amount	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The amount of principal and interest you are obligated to pay each month.	entity	a reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

FirstPaymentDueDate

The date that the first payment is due. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	First Payment Due Date
description	The date that the first payment is due.
dataFormat	date
isNullable	true

Traits

List of traits for the FirstPaymentDueDate attribute are listed here.

is.dataFormat.date
means.measurement.date
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{BE6167F5-0884-4B35-A1F7-3C7C82064C50}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en First Payment Due Date	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The date that the first payment is due.	entity	a reference to the constant entity holding the list of localized text

is.dataFormat.date

PayoffDate

The date of the last payment. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Payoff Date
description	The date of the last payment.
dataFormat	date
isNullable	true

Traits

List of traits for the PayoffDate attribute are listed here.

is.dataFormat.date
means.measurement.date
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{C8AC846B-D39A-42D4-906E-C24A0C3FD6DB}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Payoff Date	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The date of the last payment.	entity	a reference to the constant entity holding the list of localized text

is.dataFormat.date

AnnualPercentageRate

A way of expressing the cost of credit on a loan. Under federal law, all consumer loans must disclose the Annual Percentage Rate. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Annual Percentage Rate
description	A way of expressing the cost of credit on a loan. Under federal law, all consumer loans must disclose the Annual Percentage Rate.
dataFormat	decimal
isNullable	true

Traits

List of traits for the AnnualPercentageRate attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

Parameter	Value	Data type	Explanation
precision	"22"	integer	the total number of significant digits
scale	"10"	integer	the number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{B429040B-1267-4571-854A-D6C4C49A180A}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Annual Percentage Rate	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en A way of expressing the cost of credit on a loan. Under federal law, all consumer loans must disclose the Annual Percentage Rate.	entity	a reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

TotalInterestAmount

The total interest that will be collected on the loan. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Total Interest Amount
description	The total interest that will be collected on the loan.
dataFormat	decimal
isNullable	true

Traits

List of traits for the TotalInterestAmount attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

Parameter	Value	Data type	Explanation
precision	"18"	integer	the total number of significant digits
scale	"2"	integer	the number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{E9C9E91C-CDCC-4F97-83BC-A4DBBC3D2EEF}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Total Interest Amount	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The total interest that will be collected on the loan.	entity	a reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

DownPayment

Money you pay at the time of the purchase to reduce the amount that will be financed. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Down Payment
description	Money you pay at the time of the purchase to reduce the amount that will be financed.
dataFormat	decimal
isNullable	true

Traits

List of traits for the DownPayment attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

Parameter	Value	Data type	Explanation
precision	"18"	integer	the total number of significant digits
scale	"2"	integer	the number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{B272B231-5B07-44DF-AC9E-09170E326FDB}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Down Payment	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Money you pay at the time of the purchase to reduce the amount that will be financed.	entity	a reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

CustomerFicoScoreAtLoanApproval

The consumer's FICO score on the approval date of the loan.

Your FICO score is the dominant method lenders use to assess how deserving you are of their credit. Whether you're looking to get a mortgage, car loan or home-equity loan, you're going to get scored.

Named after Fair Isaac Corp., the firm that developed the scoring model used by the three major credit bureaus -- Equifax, Experian and Trans Union -- your FICO score is calculated using a computer model that compares the information in your credit report to what's on the credit reports of thousands of other customers. FICO scores range from about 300 to 900. Generally, the higher the score, the lower the credit risk. It's very difficult to say what's a "good" or "bad" score, though, since lenders have different standards for how much risk they will accept.

A credit score that one lender considers satisfactory may be regarded as unsatisfactory by other lenders for comparable credit instruments.

Scores also fluctuate depending on credit activity. Since credit bureaus only calculate your score at the lender's request, it will be based on the information in your file at that particular credit bureau, at that particular time only. The Fair, Isaac model takes into account five factors when evaluating your credit worthiness.

Past payment history About 35 percent of your FICO score is based on this, which includes late payments, delinquencies and bankruptcies. The fewer the late payments, the better your score -- though a recent late payment hurts your score more than one from five years ago.

Outstanding debt About 30 percent of your FICO score, this includes what you owe on your credit cards and how much you owe on installment loans, compared with the original amounts of the loans. How long you've had credit How long you've had accounts and how often you use them, this accounts for about 15 percent of your FICO score.

New applications for credit Research shows that opening several credit accounts in a short period does represent greater risk, especially for people who do not have long-established credit history. This makes up about 10 percent of your FICO score.

Types of credit Making up about another 10 percent of your FICO score, this includes credit cards and loans, including installment and mortgage loans. Bear in mind, however, that U.S. law forbids personal information such as ethnicity, religion, sex or marital status from being reflected in your FICO score.

The main benefit of credit scoring, lenders argue, is that an automated system allows for faster decisions. Keep in mind, too, that a credit bureau score isn't the only factor lenders take into account when considering your loan application. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Customer FICO Score At Loan Approval
description	The consumer's FICO score on the approval date of the loan. Your FICO score is the dominant method lenders use to assess how deserving you are of their credit. Whether you're looking to get a mortgage, car loan or home-equity loan, you're going to get scored. Named after Fair Isaac Corp., the firm that developed the scoring model used by the three major credit bureaus -- Equifax, Experian and Trans Union -- your FICO score is calculated using a computer model that compares the information in your credit report to what's on the credit reports of thousands of other customers. FICO scores range from about 300 to 900. Generally, the higher the score, the lower the credit risk. It's very difficult to say what's a "good" or "bad" score, though, since lenders have different standards for how much risk they will accept. A credit score that one lender considers satisfactory may be regarded as unsatisfactory by other lenders for comparable credit instruments. Scores also fluctuate depending on credit activity. Since credit bureaus only calculate your score at the lender's request, it will be based on the information in your file at that particular credit bureau, at that particular time only. The Fair, Isaac model takes into account five factors when evaluating your credit worthiness. Past payment history About 35 percent of your FICO score is based on this, which includes late payments, delinquencies and bankruptcies. The fewer the late payments, the better your score -- though a recent late payment hurts your score more than one from five years ago. Outstanding debt About 30 percent of your FICO score, this includes what you owe on your credit cards and how much you owe on installment loans, compared with the original amounts of the loans. How long you've had credit How long you've had accounts and how often you use them, this accounts for about 15 percent of your FICO score. New applications for credit Research shows that opening several credit accounts in a short period does represent greater risk, especially for people who do not have long-established credit history. This makes up about 10 percent of your FICO score. Types of credit Making up about another 10 percent of your FICO score, this includes credit cards and loans, including installment and mortgage loans. Bear in mind, however, that U.S. law forbids personal information such as ethnicity, religion, sex or marital status from being reflected in your FICO score. The main benefit of credit scoring, lenders argue, is that an automated system allows for faster decisions. Keep in mind, too, that a credit bureau score isn't the only factor lenders take into account when considering your loan application.
dataFormat	decimal
isNullable	true

Traits

List of traits for the CustomerFicoScoreAtLoanApproval attribute are listed here.

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

Parameter	Value	Data type	Explanation
precision	"3"	integer	the total number of significant digits
scale	"0"	integer	the number of digits to the right of the decimal place

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{E73A5488-2618-4A75-A8E1-D71690D2B2C8}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Customer FICO Score At Loan Approval	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The consumer's FICO score on the approval date of the loan. Your FICO score is the dominant method lenders use to assess how deserving you are of their credit. Whether you're looking to get a mortgage, car loan or home-equity loan, you're going to get scored. Named after Fair Isaac Corp., the firm that developed the scoring model used by the three major credit bureaus -- Equifax, Experian and Trans Union -- your FICO score is calculated using a computer model that compares the information in your credit report to what's on the credit reports of thousands of other customers. FICO scores range from about 300 to 900. Generally, the higher the score, the lower the credit risk. It's very difficult to say what's a "good" or "bad" score, though, since lenders have different standards for how much risk they will accept. A credit score that one lender considers satisfactory may be regarded as unsatisfactory by other lenders for comparable credit instruments. Scores also fluctuate depending on credit activity. Since credit bureaus only calculate your score at the lender's request, it will be based on the information in your file at that particular credit bureau, at that particular time only. The Fair, Isaac model takes into account five factors when evaluating your credit worthiness. Past payment history About 35 percent of your FICO score is based on this, which includes late payments, delinquencies and bankruptcies. The fewer the late payments, the better your score -- though a recent late payment hurts your score more than one from five years ago. Outstanding debt About 30 percent of your FICO score, this includes what you owe on your credit cards and how much you owe on installment loans, compared with the original amounts of the loans. How long you've had credit How long you've had accounts and how often you use them, this accounts for about 15 percent of your FICO score. New applications for credit Research shows that opening several credit accounts in a short period does represent greater risk, especially for people who do not have long-established credit history. This makes up about 10 percent of your FICO score. Types of credit Making up about another 10 percent of your FICO score, this includes credit cards and loans, including installment and mortgage loans. Bear in mind, however, that U.S. law forbids personal information such as ethnicity, religion, sex or marital status from being reflected in your FICO score. The main benefit of credit scoring, lenders argue, is that an automated system allows for faster decisions. Keep in mind, too, that a credit bureau score isn't the only factor lenders take into account when considering your loan application.	entity	a reference to the constant entity holding the list of localized text

is.dataFormat.numeric.shaped
for setting the exact precision and scale of numeric values

UnsecuredPersonalLoanIndicator

Indicates that the personal loan is unsecured., which is a personal loan that requires no collateral or security. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Unsecured Personal Loan Indicator
description	Indicates that the personal loan is unsecured., which is a personal loan that requires no collateral or security.
dataFormat	boolean
isNullable	true

Traits

List of traits for the UnsecuredPersonalLoanIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{E2374844-7A59-4182-87EA-573C978EC37F}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Unsecured Personal Loan Indicator	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Indicates that the personal loan is unsecured., which is a personal loan that requires no collateral or security.	entity	a reference to the constant entity holding the list of localized text

is.dataFormat.boolean

SecuredPersonalLoanIndicator

Indicates that the loan is requires collateral or security of a savings account, stocks, bonds, certificates of deposit, etc. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Secured Personal Loan Indicator
description	Indicates that the loan is requires collateral or security of a savings account, stocks, bonds, certificates of deposit, etc.
dataFormat	boolean
isNullable	true

Traits

List of traits for the SecuredPersonalLoanIndicator attribute are listed here.

is.dataFormat.boolean
has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{D0C99FDE-B17E-4DF0-A5CF-3D4F9A0AACAA}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Secured Personal Loan Indicator	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Indicates that the loan is requires collateral or security of a savings account, stocks, bonds, certificates of deposit, etc.	entity	a reference to the constant entity holding the list of localized text

is.dataFormat.boolean

ConsumerLoanTypeId

The unique identifier of a type of consumer loan. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Consumer Loan Type ID
description	The unique identifier of a type of consumer loan.
dataFormat	int32
isNullable	true

Traits

List of traits for the ConsumerLoanTypeId attribute are listed here.

is.dataFormat.integer
is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Consumer Loan Type ID	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The unique identifier of a type of consumer loan.	entity	a reference to the constant entity holding the list of localized text

is.linkedEntity.identifier
Marks the attributes that hold foreign key references to a linked (used as an attribute) entity. This attribute is added to the resolved entity to enumerate the referenced entities.

Parameter	Value	Data type	Explanation
entityReferences	entityReference attributeReference ConsumerLoanType.cdm.json/ConsumerLoanType ConsumerLoanTypeId	entity	a reference to the constant entity holding the list of entity references

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{A506872B-157C-43E6-A07C-85E0AD76141C}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.dataFormat.integer

IsoCurrencyCode

The ISO 4217 currency code. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	ISO Currency Code
description	The ISO 4217 currency code.
dataFormat	string
maximumLength	3
isNullable	true

Traits

List of traits for the IsoCurrencyCode attribute are listed here.

is.dataFormat.character
is.dataFormat.big
indicates an atomic but multi-unit version of a fundamental type such as a multi byte encoded character, a double precision float, a long integer.

is.dataFormat.array
indicates a contiguous sequence of fundamental units that should be taken as a whole and considered one value. Array of Character is a String, and Array of Byte is a Binary Object.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en ISO Currency Code	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The ISO 4217 currency code.	entity	a reference to the constant entity holding the list of localized text

is.constrained
maximum length or value constraints

Parameter	Value	Data type	Explanation
maximumLength	"3"	integer

is.linkedEntity.identifier
Marks the attributes that hold foreign key references to a linked (used as an attribute) entity. This attribute is added to the resolved entity to enumerate the referenced entities.

Parameter	Value	Data type	Explanation
entityReferences	entityReference attributeReference Currency.cdm.json/Currency IsoCurrencyCode	entity	a reference to the constant entity holding the list of entity references

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{4FCECE13-5FF9-424F-8786-72990694353E}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.dataFormat.character
is.dataFormat.array
indicates a contiguous sequence of fundamental units that should be taken as a whole and considered one value. Array of Character is a String, and Array of Byte is a Binary Object.

BillingCycleId

The unique identifier of a Billing Cycle. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Billing Cycle ID
description	The unique identifier of a Billing Cycle.
dataFormat	int32
isNullable	true

Traits

List of traits for the BillingCycleId attribute are listed here.

is.dataFormat.integer
is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Billing Cycle ID	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The unique identifier of a Billing Cycle.	entity	a reference to the constant entity holding the list of localized text

is.linkedEntity.identifier
Marks the attributes that hold foreign key references to a linked (used as an attribute) entity. This attribute is added to the resolved entity to enumerate the referenced entities.

Parameter	Value	Data type	Explanation
entityReferences	entityReference attributeReference BillingCycle.cdm.json/BillingCycle BillingCycleId	entity	a reference to the constant entity holding the list of entity references

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{6F193CD0-FA84-4E2D-89B7-D5CF366E0CBB}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.dataFormat.integer

CustomerId

The unique identifier of a Customer. First included in: Sustainability/esg-data-model/ConsumerLoan (this entity)

Properties

Name	Value
displayName	Customer ID
description	The unique identifier of a Customer.
dataFormat	int64
isNullable	true

Traits

List of traits for the CustomerId attribute are listed here.

is.dataFormat.integer
is.dataFormat.big
indicates an atomic but multi-unit version of a fundamental type such as a multi byte encoded character, a double precision float, a long integer.

is.nullable
The attribute value can be set to NULL.

is.localized.displayedAs
Holds the list of language specific display text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en Customer ID	entity	a reference to the constant entity holding the list of localized text

is.localized.describedAs
Holds the list of language specific descriptive text for an object.

Parameter	Value	Data type	Explanation
localizedDisplayText	languageTag displayText en The unique identifier of a Customer.	entity	a reference to the constant entity holding the list of localized text

is.linkedEntity.identifier
Marks the attributes that hold foreign key references to a linked (used as an attribute) entity. This attribute is added to the resolved entity to enumerate the referenced entities.

Parameter	Value	Data type	Explanation
entityReferences	entityReference attributeReference IndividualCustomer.cdm.json/IndividualCustomer CustomerId	entity	a reference to the constant entity holding the list of entity references

has.schemaObjectIdentifier
The schema object has an identifier, which is a string, specified as the parameter of the trait. It allows writers to define more identification values.

Parameter	Value	Data type	Explanation
identifier	"{D62BD654-DEB1-4E0C-82F8-A676D8D734D0}"	string	The identifier for the schema object. There's no uniqueness guarantee enforced by CDM. It's a contract between reader and writer of the schema.

is.dataFormat.integer
is.dataFormat.big
indicates an atomic but multi-unit version of a fundamental type such as a multi byte encoded character, a double precision float, a long integer.