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Loan Rate Schedule Modification

Enterprise SOAP API > API by Reference > Core Services > Loan Rate Schedule Modification

Loan Rate Schedule Modification

Loan Rate Schedule Modification is a jXchange service that was designed to modify the loan rate schedules that meet the criteria entered within the request due to clarification of the rule regarding rate changes for Regulation Z open-end, non-Real Estate secured variable rate consumer accounts. This ruling requires that lenders send a notice 45 days before a rate increase for accounts with the following characteristics: Consumer Loan, Open end, Variable Rate, Not Real Estate secured, and Floor rate is present on the loan.

Message Flow

In jXchange, the Loan Rate Schedule Modification service uses a typical exchange of MType messages to modify the loan rate schedules that meet the criteria entered within the request.

Primary Request

The consumer forwards the LnRateSchedModRq_MType message to the service provider.

The message contains the following simple elements:

  • ActIntentKey
  • Dlt
  • LnUnitId
  • RateRevDt

The message contains the following complex elements:

  • Custom_CType
  • InAcctId references AccountId_CType
  • LnRateSchedInfoRec_CType
  • MsgRqHdr_CType

The message contains the following array:

  • ErrOvrRdInfoArray_AType

Primary Response

The service provider returns the LnRateSchedModRs_MType message to the consumer.

The message contains the following simple element:

  • RsStat

The message contains the following complex elements:

  • Custom_CType
  • MsgRsHdr_CType

Loan Rate Schedule Modification Behavior

The Loan Rate Schedule Modification service behavior is as follows.

The standard modification message tenets are applicable.

Adhere to the tenets related to the JHANull attribute.

Adhere to the tenets for fault reporting.

Adhere to the tenets related to correlation identifications.

Adhere to the concurrency model tenets.

LnRateSchedModRq_MType

LnRateSchedModRq_MType is a message MType element.

Contains:

  • Custom_CType
  • ErrOvrRdInfoArray_AType
  • InAcctId references AccountId_CType
  • LnRateSchedInfoRec_CType
  • MsgRqHdr_CType

Simple Elements

The following simple elements are contained within this message.

ActIntentKey
The service provider key that is delivered to the consumer to be submitted in a subsequent modification operation.
Dlt
The delete element. Canonical values are:
  • false
  • true
LnUnitId
The identification assigned to a unit of a loan.
RateRevDt
The date used to determine if a rate should be changed.

Custom_CType

Custom_CType is a complex CType element.

This element is optional.

ErrOvrRdInfoArray_AType

ErrOvrRdInfoArray_AType is an array AType element. This is an array of overrides for faults.

Contains:

  • ErrOvrRd_CType

ErrOvrRd_CType

ErrOvrRd_CType is a complex CType element. This element is used to override errors created in a previous request. This element is optional.

Simple Elements

The following simple elements are contained within this complex.

BusSvcType
The business service type used to convey certain Add and Mod message handling. The canonical value is NoValidate.
ErrCode
The error code.

InAcctId

AccountId_CType is a complex CType element. This element contains the incoming account identification information and any restrictions.

InAcctId references AccountId_CType.

Simple Elements

The following simple elements are contained within this complex.

AcctId
The number or character that identifies an account record.
AcctType
The number or character that categorizes the AcctId.
Rstr
The level of restrictions that can exist at a parent and/or child node. Canonical values are:
  • Hid
  • NoAccess
  • NoAccessPart
  • ReadOnly
  • ReadOnlyPart
  • ReadWrite
  • ReadWritePart

LnRateSchedInfoRec_CType

LnRateSchedInfoRec_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

CurIdx
The current index.
NewPrevRate
The new previous rate.
NewPrinIntPmt
The new principal interest payment.
NewRateEffDt
The effective date a new rate is applied to an account.
NewRate
The current interest rate for a specific account on a specific date.
PrevIdxVal
The previous index value.
PrimeRateIdx
The prime rate index.
PrtRateChgNotCode
The code that designates the behavior for print rate change notices.
RateRevDayOfMonth
The day of month for rate reviews. This code is only required if the rate review date is the 29th of the month.
RateRevDt
The date used to determine if a rate should be changed.
RateRevStatDt
The date that a rate review status was applied or updated.
RateRevStat
The status of an account identification's rate change activity. Canonical values are:
  • Apply
  • Cancel
  • Pend
  • Replace
RateRevTerm
The rate review term. The system checks the prime rate for change at the interval specified in this field. Entries may be in number of days or number of months.
RateRevTermUnits
The rate review term code. This code determines whether the prime review term is in months or days. Canonical values are:
  • Days
  • Month
  • NA
RateVarCode
The rate variance code. This code tells the system if the variance from prime is above, below, or is of a percentage. Canonical values are:
  • NA
  • Negative
  • Pct
  • Positive
RateVar
The rate variance. The amount of variance from the prime rate allowed for the account.
ReAmrtzPmt
Determines if the system is to re-amortize the payment amount automatically. Canonical values are:
  • false
  • true
  • OnDemand
  • Info
RevDtRate
The rate that was in effect when the account was scheduled for a rate review.

MsgRqHdr_CType

MsgRqHdr_CType is a complex CType element. This is the default message request header.

Contains:

  • AuthenUsrCred_CType
  • jXchangeHdr_CType

Simple Elements

The following simple elements are contained within this complex.

AuthenProdCred
Authentication of the Consumer Product Credentials in the form of a WS Security element that contains a single SAML V2.0 Assertion.

AuthenUsrCred_CType

AuthenUsrCred_CType is a complex CType element. This element represents authentication of the end-user credentials in the form of a WS Security element that contains a single SAML V2.0 Assertion.

Simple Elements

The following simple elements are contained within this complex.

Security
Defines the wsse:Security SOAP header element per section 4.

jXchangeHdr_CType

jXchangeHdr_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

AuditUsrId
The user ID that the consumer would like written in the audit as performing the requested service. It varies, but it could be the same as the user ID. It is not used to authenticate. It is used to audit the Soap Header Fault.
AuditWsId
The workstation ID that the consumer would like written in the audit as performing the requested service for the Soap Header Fault. It varies, but it could be the same as the user ID.
AuthenUsrId
The user ID which the consumer would like the service provider to authenticate with for the Soap Header Fault. It is a user ID that the provider understands.

This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header SrchMsgRqHdr_CType and the Message Request Header MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

BusCorrelId
The correlation identification as related to business functions and activities.
ConsumerName
The name of the service consumer (business name) for the Soap Header Fault.
ConsumerProd
The name of the product which is consuming the service (business product name) for the Soap Header Fault.
InstEnv
An identification provided by the consumer that defines the environment in which the institution is operating. Canonical values are:
  • Prod
InstRtId
The identification of the entity of the submitted message. A financial institution entity uses the routing transit or nine-digit number assigned to financial institutions for routing as assigned by the American Bankers Association. Any leading zeros must be provided for a complete routing and transit number. A non-financial institution entity should use a mutually agreed upon identification that must contain at least one non-integer character. The canonical value is JHA.

The element is required in all message requests.

jXLogTrackingId
An identification provided by jXchange to be able to trace the request and response of a message from the third-party gateway, internal gateway, and service provider for the Soap Header Fault.
JxVer
Contains the version jXchange is running for the Soap Header Fault.
ValidConsmName
The consumer name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table. The canonical value is: JHA.
ValidConsmProd
The consumer product name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table.
WorkflowCorrelId
The correlation identification as related to workflow functions and activities.
jXchangeHdr_CType Deprecation Details
AuthenUsrId
The user ID which the consumer would like the service provider to authenticate with for the Soap Header Fault. It is a user ID that the provider understands.

This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header SrchMsgRqHdr_CType and the Message Request Header MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

LnRateSchedModRs_MType

LnRateSchedModRs_MType is a message MType element.

Contains:

  • Custom_CType
  • MsgRsHdr_CType

Simple Elements

The following simple elements are contained within this message.

RsStat
The status of the response. Canonical values are:
  • Fail
  • Success

Custom_CType

Custom_CType is a complex CType element.

This element is optional.

MsgRsHdr_CType

MsgRsHdr_CType is a complex CType element. This is the default message response header.

Contains:

  • jXchangeHdr_CType
  • MsgRecInfoArray_AType

jXchangeHdr_CType

jXchangeHdr_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

AuditUsrId
The user ID that the consumer would like written in the audit as performing the requested service. It varies, but it could be the same as the user ID. It is not used to authenticate. It is used to audit the Soap Header Fault.
AuditWsId
The workstation ID that the consumer would like written in the audit as performing the requested service for the Soap Header Fault. It varies, but it could be the same as the user ID.
AuthenUsrId
The user ID which the consumer would like the service provider to authenticate with for the Soap Header Fault. It is a user ID that the provider understands.

This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header SrchMsgRqHdr_CType and the Message Request Header MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

BusCorrelId
The correlation identification as related to business functions and activities.
ConsumerName
The name of the service consumer (business name) for the Soap Header Fault.
ConsumerProd
The name of the product which is consuming the service (business product name) for the Soap Header Fault.
InstEnv
An identification provided by the consumer that defines the environment in which the institution is operating. Canonical values are:
  • Prod
InstRtId
The identification of the entity of the submitted message. A financial institution entity uses the routing transit or nine-digit number assigned to financial institutions for routing as assigned by the American Bankers Association. Any leading zeros must be provided for a complete routing and transit number. A non-financial institution entity should use a mutually agreed upon identification that must contain at least one non-integer character. The canonical value is JHA.

The element is required in all message requests.

jXLogTrackingId
An identification provided by jXchange to be able to trace the request and response of a message from the third-party gateway, internal gateway, and service provider for the Soap Header Fault.
JxVer
Contains the version jXchange is running for the Soap Header Fault.
ValidConsmName
The consumer name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table. The canonical value is: JHA.
ValidConsmProd
The consumer product name that can be validated by enterprise governance. The canonical values are managed in a consumer/product enterprise table.
WorkflowCorrelId
The correlation identification as related to workflow functions and activities.
jXchangeHdr_CType Deprecation Details
AuthenUsrId
The user ID which the consumer would like the service provider to authenticate with for the Soap Header Fault. It is a user ID that the provider understands.

This element deprecates in accordance with XSD contract tenets. Effective date: 2017–01–01. The new complex element for user authentication credentials was added to both the Search Message Request Header SrchMsgRqHdr_CType and the Message Request Header MsgRqHdr_CType. AuthenUsrId is ignored by the service providers when the authentication user credentials AuthenUsrCred_CType package is delivered. The expectation is that the password credentials and the user name token are provided in the authentication user credential complex element in accordance with the standards established by WS-Security.

MsgRecInfoArray_AType

MsgRecInfoArray_AType is an array AType element. This is an array of messages that can be returned in a response.

Contains:

  • MsgRec_CType
MsgRec_CType

MsgRec_CType is a complex CType element.

Simple Elements

The following simple elements are contained within this complex.

ErrCat
The Soap Header Fault error category.
ErrCode
The error code.
ErrDesc
The Soap Header Fault error description.
ErrElem
The Soap Header Fault when an error or fault occurs. This optional element contains the element which is causing the error condition.
ErrElemVal
The Soap Header Fault when an error or fault occurs. This optional element contains the value of the element which is causing the error condition.
ErrLoc
The Soap Header Fault error location. This is typically the program that generated the error condition.
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Last updated Mon Jan 24 2022