{
  "url": "https://openlegislation.uk/eu-regulation-2015-3/annex-VI",
  "json_url": "https://openlegislation.uk/eu-regulation-2015-3/annex-VI.json",
  "legislation": "eur/2015/3",
  "legislation_title": "Commission Delegated Regulation (EU) 2015/3 of 30 September 2014 supplementing Regulation (EC) No 1060/2009 of the European Parliament and of the Council with regard to regulatory technical standards on disclosure requirements for structured finance instruments (Text with EEA relevance)",
  "legislation_url": "https://openlegislation.uk/eu-regulation-2015-3",
  "path": "annex/VI",
  "kind": "annex",
  "number": "VI",
  "heading": "Loan Level Data — Reporting template for structured finance instruments backed by credit card loans",
  "text": "ASSETS:\nField Name\nStatic/Dynamic\nData Type\nField Definition and Criteria\nDeal-Specific Information\nPool Cut-Off Date\nDynamic\nYYYY-MM-DD\nPool or portfolio cut-off date. This is the date at which the underlying asset data within the report is referenced.\nPool Identifier\nStatic\nText/Numeric\nPool or portfolio identifier, e.g. Master Issuer plc, or SPV 2012-1 plc.\nServicer Name\nStatic\nText/Numeric\nName of the entity servicing the account.\nBackup Servicer Name\nDynamic\nText/Numeric\nName of the backup servicer.\nSeller\nStatic\nText/Numeric\nName of Seller.\nType of Transaction\nStatic\nList\nStandalone, Master Trust — Capitalist, Master Trust — Socialist or Other.\nLoan Level Information\nAccount Identifier\nStatic\nText/Numeric\nUnique identifier for a particular account in the pool. It must be encrypted to ensure data protection.\nOriginator\nStatic\nText/Numeric\nLender that originated the account. If unknown, please enter Seller.\nBorrower Identifier\nStatic\nText/Numeric\nUnique identifier for a particular borrower; must be encrypted to ensure data protection. This may be the same as the Account Identifier.\nCurrency Denomination Of Receivable\nStatic\nList\nThe currency in which the receivable is denominated.\nPool Addition Date\nStatic\nYYYY-MM\nDate that the account entered the pool.\nBorrower’s Employment Status\nStatic\nList\nEmployment status of the primary applicant.\nPrimary Income Currency\nStatic\nList\nPrimary income currency denomination.\nIncome Verification For Primary Income\nStatic\nList\nIncome verification for primary income.\nGeographic Region\nDynamic\nList\nThe region where the borrower is located.\nEmployee\nStatic\nY/N\nIs the borrower an employee of the originator or seller?\nAccount Opening Date\nStatic\nYYYY-MM\nThe date that the account was opened.\nTotal Current Balance\nDynamic\n9(11).99\nWhat is the total current amount owed by the borrower (including all fees and interest) on the account?\nTotal Credit Limit\nDynamic\n9(11).99\nWhat is the credit limit of the borrower on the account?\nScheduled Payment Frequency\nDynamic\nList\nWhat is the minimum frequency with which the borrower are obliged to make payments if they have a balance outstanding.\nNext Minimum Contractual Payment\nDynamic\n9(11).99\nThe next minimum scheduled payment due from the borrower.\nCurrent Blended Yield\nDynamic\n9(3).99\nTotal weighted average yield including all fees applicable at last billing date (i.e. this is billed, not cash yield) (%).\nCurrent Interest Rate Basis\nDynamic\nList\nCurrent interest rate basis.\nAccount Status\nDynamic\nList\nCurrent status of account.\nArrears Balance\nDynamic\n9(11).99\nCurrent balance of arrears, defined as the sum of minimum contractual payments due but unpaid by the borrower.\nArrears Balance Capitalised\nDynamic\n9(11).99\nSum of arrears capitalised to date.\nDate of Most Recent Arrears Capitalisation\nDynamic\nYYYY-MM\nMost recent date that arrears were capitalised on this card.\nNumber Of Days In Arrears\nDynamic\nNumeric\nNumber of days the account is in arrears as of the pool cut-off date.\nPayment Method\nDynamic\nList\nUsual method of payment (can be based upon last payment received).\nDate Of Charge Off\nDynamic\nYYYY-MM\nThe date of default.\nOriginal Charge Off Amount\nDynamic\n9(11).99\nThe total balance on the account at the date the account was charged-off.\nCumulative Recoveries\nDynamic\n9(11).99\nCumulative recoveries — only relevant for accounts that have charged-off. For accounts that have not been charged-off, enter 0.\nPOOL AND BOND INFO:\nField Name\nStatic/Dynamic\nData Type\nField Definition and Criteria\nCollateral Level Data (To be completed for all structures)\nGross Charge Offs In The Period\nDynamic\n9(11).99\nFace value of gross principal charge-offs (i.e. before recoveries) for the period. Charge-off is as per transaction definition, or alternatively per lender’s usual practice.\nRecoveries In The period\nDynamic\n9(11).99\nGross recoveries received during the period.\nDelinquencies 30-59 Days %\nDynamic\n9(3).99\nBased upon total balance of receivables, not number of accounts (%).\nDelinquencies 60-89 Days %\nDynamic\n9(3).99\nBased upon total balance of receivables, not number of accounts (%).\nDelinquencies 90-119 Days %\nDynamic\n9(3).99\nBased upon total balance of receivables, not number of accounts (%).\nDelinquencies 120-149 Days %\nDynamic\n9(3).99\nBased upon total balance of receivables, not number of accounts (%).\nDelinquencies 150-179 Days %\nDynamic\n9(3).99\nBased upon total balance of receivables, not number of accounts (%).\nDelinquencies 180+ Days %\nDynamic\n9(3).99\nBased upon total balance of receivables, not number of accounts (%).\nDilutions\nDynamic\n9(11).99\nTotal reductions in principal receivables during the period, i.e. inclusive of fraud claims.\nRevenue Collections In The Period\nDynamic\n9(11).99\nCollections treated as revenue in the period.\nPrincipal Collections In The Period\nDynamic\n9(11).99\nCollections treated as principal in the period.\nAny Trigger Occurrence\nDynamic\nY/N\nHas any trigger event occurred, that is still outstanding? e.g. any pay-out event, any trigger based upon the originator’s rating, status or value of delinquencies, yield, dilutions, defaults etc.\nSPV Size - Value\nDynamic\n9(11).99\nFace value of all receivables (principal and charges) in which the trust or SPV has a beneficial interest at the cut-off date.\nSPV Size - Number Of Accounts\nDynamic\n9(11).99\nNumber of accounts in which the trust or SPV has a beneficial interest at the cut-off date.\nSPV Size - Value - Principal Only\nDynamic\n9(11).99\nFace value of all receivables (principal only) in which the trust or SPV had a beneficial interest at the cut-off date.\nNote Balance\nDynamic\n9(11).99\nFace value of all asset-backed notes, collateralised by the receivables in the trust or SPV.\nTransferor Interest %\nDynamic\n9(3).99\nThe actual transferor’s interest in the trust, expressed as a percentage.\nExcess Spread Amount\nDynamic\n9(11).99\nThe amount remaining after note interest and topping up of any reserve account.\nReport Date\nDynamic\nYYYY-MM-DD\nThe date on which the transaction report was issued.\nSeries Level Information (For master trusts only)\nSeries Name\nStatic\nText/Numeric\nName of series, if part of a master trust.\nInvestor Interest For This Series At End Of Period %\nDynamic\n9(3).9(5)\nThe investor’s interest of this series in the trust, expressed as a percentage.\nRevenue Allocated To This Series\nDynamic\n9(11).99\nRevenue amounts allocated to this series from the trust.\nExcess Spread Amount\nDynamic\n9(11).99\nThe amount remaining after the period’s collections have been fully applied to cover the issuer’s obligations per the revenue waterfall in the transaction documentation.\nTransaction Report Contact Information\nPoint Contact\nStatic\nText/Numeric\nName of the department and the point person(s) of the information sources.\nContact Information\nStatic\nText/Numeric\nTelephone number and email address.\nBOND INFO BY TRANCHE:\nField Name\nStatic/Dynamic\nData Type\nField Definition and Criteria\nTranche Level Information (For this series only)\nBond Class Name\nStatic\nText/Numeric\nThe designation (typically a letter and/or number) given to a tranche of bonds which exhibit the same rights, priorities and characteristics as defined in the prospectus, e.g. 2012 Class A1a etc.\nInternational Securities Identification Number\nStatic\nText/Numeric\nThe international security identification code or codes, or if no ISIN then any other unique securities code such as a CUSIP, assigned to this tranche by an exchange or other entity. If more than one code, enter comma-delimited.\nInterest Payment Date\nDynamic\nYYYY-MM-DD\nThe first occurring date, after the pool cut-off date being reported, upon which interest payments are scheduled to be distributed to bondholders of this tranche.\nPrincipal Payment Date\nDynamic\nYYYY-MM-DD\nThe first occurring date, after the pool cut-off date being reported, upon which principal payments are scheduled to be distributed to bondholders of this tranche.\nBond Currency\nStatic\nList\nThe denomination of this tranche.\nReference Rate\nStatic\nList\nThe base reference interest index as defined in the prospectus or final terms applicable to this specific tranche.\nLegal Maturity\nStatic\nYYYY-MM-DD\nThe date by which this specific tranche must be fully repaid in order not to be in default.\nBond Issue Date\nStatic\nYYYY-MM-DD\nDate this bond was issued.\nInterest Payment Frequency\nStatic\nList\nThe frequency with which interest is due to be paid on this specific tranche.\nSeries name\nStatic\nText/Numeric\nName of series, if part of a master trust. If standalone, use Pool Identifier.",
  "extent": "E+W+S+N.I.",
  "status": null,
  "version": "current",
  "annotations": [],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/eur/2015/3/annex/VI",
    "retrieved_at": "2026-11-01T14:46:58.999912+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}